Terms and Conditions

1. Acceptance of Terms

By accessing and using TrailerInsurance.co.nz ("the Website"), you agree to be bound by these Terms and Conditions. If you do not agree to these terms, you should not use this Website. We reserve the right to modify these terms at any time without notice.

2. Use License

Permission is granted to temporarily download one copy of the materials (information, images, and software) on the Website for personal, non-commercial transitory viewing only. This is the grant of a licence, not a transfer of title.

You may not:

• Modify or copy the materials
• Use the materials for any commercial purpose or for any public display
• Attempt to reverse engineer, decompile, or disassemble any software
• Remove any copyright or other proprietary notations from the materials
• Transfer or assign the materials to another person
• Use the Website to transmit harmful or malicious code

3. Disclaimer of Warranties

The materials on the Website are provided on an "as is" basis. TrailerInsurance.co.nz makes no warranties, express or implied, regarding the materials, including but not limited to:

• Accuracy, completeness, or reliability of the information provided
• Fitness for a particular purpose
• Non-infringement of third-party rights
• Uninterrupted service or error-free operation

You use the Website at your own risk. We do not guarantee that our services will be uninterrupted, timely, secure, or error-free.

4. Limitation of Liability

To the maximum extent permitted by New Zealand law, TrailerInsurance.co.nz shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including loss of profits, data, or use, even if advised of the possibility of such damages.

Our total liability for any claim related to the Website shall not exceed the amount paid by you to use our services, or NZD $100, whichever is less.

5. Indemnification

You agree to indemnify and hold harmless TrailerInsurance.co.nz, its officers, directors, employees, and agents from any claims, damages, losses, or expenses arising from:

• Your use of the Website
• Violation of these Terms and Conditions
• Infringement of any third-party intellectual property rights
• False or misleading information you provide

6. User-Provided Information

When you submit information through our quote form or other services, you represent and warrant that:

• The information you provide is true, accurate, and complete
• You have the authority to provide such information
• You are at least 18 years of age
• Your use does not violate any applicable law or regulation

7. Third-Party Content and Links

The Website may contain links to third-party websites and references to third-party content. We do not endorse, control, or assume responsibility for such external content. Your use of third-party websites is governed by their own terms and conditions.

We are not responsible for:

• The availability or accuracy of third-party websites
• The content, products, or services offered by third parties
• Any transactions or dealings with third parties

8. Intellectual Property Rights

All content on the Website, including text, graphics, logos, images, and software, is the property of TrailerInsurance.co.nz or its content suppliers and is protected by international copyright laws. You may not reproduce, distribute, or transmit any content without our prior written permission.

9. Prohibited Conduct

You agree not to use the Website to:

• Transmit spam, viruses, or any harmful code
• Harass, threaten, or abuse other users
• Impersonate any person or entity
• Engage in illegal activities or encourage others to do so
• Attempt unauthorised access to our systems
• Interfere with the normal operation of the Website

10. Suspension and Termination

We may suspend or terminate your access to the Website at any time, without notice, if you violate these Terms and Conditions or engage in prohibited conduct. Upon termination, your right to use the Website ceases immediately.

11. Jurisdiction and Governing Law

These Terms and Conditions are governed by and construed in accordance with the laws of New Zealand. Any disputes arising from these terms shall be subject to the exclusive jurisdiction of the courts of New Zealand.

12. Severability

If any provision of these Terms and Conditions is found to be invalid or unenforceable, the remaining provisions shall remain in full force and effect, and the invalid provision shall be modified to the minimum extent necessary to make it valid and enforceable.

13. Entire Agreement

These Terms and Conditions, together with our Privacy Policy, constitute the entire agreement between you and TrailerInsurance.co.nz and supersede all prior negotiations, representations, and agreements relating to the use of the Website.

14. Contact Information

If you have questions about these Terms and Conditions, please contact us:

• Email: hello@cover4you.co.nz
• Phone: 09 885 9549
• Hours: Monday-Friday, 8am-6pm NZST