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Health & disability

When you’re covered by ACC, and when you’re not

Injuries caused by accidents

What kinds of things does “accident” cover?

Accident Compensation Act 2001, s 25

An “accident” means a specific event where your body is subject to some force or resistance outside your body (including when you’re injured in a fall), or where you move suddenly to avoid an external force or resistance, or where you twist your body in some way.

The term “accident” also includes:

  • breathing in or swallowing a gas, liquid or foreign object on one specific occasion (long-term exposure at work to harmful substances like asbestos can also be covered under a separate ACC category: see below “Conditions caused gradually: Covered only if work-related”)
  • burns, or exposure to radiation or rays on one specific occasion (but usually not sunburn: see below, “What aren’t ‘accidents’?”)
  • absorbing chemicals through your skin over a period of up to one month.

What aren’t “accidents”?

The following things aren’t “accidents” and won’t be covered by ACC:

  • injuries not caused by any specific event – for example, if you develop muscle pain after a long drive
  • injuries like slipped discs that are caused by sneezing or coughing fits (because they’re caused by forces inside your body, not external forces)
  • catching common illnesses like colds or flu by breathing in viruses or bacteria
  • sunburn, hypothermia and other conditions caused by exposure to the elements (sun, rain, cold, wind and so on), unless your normal activities are restricted by the condition for at least a month
  • damage to your teeth or dentures (false teeth) that’s caused by natural use of those teeth or dentures. So if you break a tooth while eating, ACC won’t cover you.

    Note: In the past, ACC had accepted claims if teeth had been damaged by biting on a foreign object that had gotten into food, like a small stone or piece of glass, because they saw this as not being “natural use” of teeth (they wouldn’t accept your claim if it was through biting on something hard that was part of the food, like a piece of bone or a peach stone, as they saw that as “natural use”). However, recent court decisions have taken a narrower approach to “natural use”, and so in 2017 ACC announced there would never be cover for damage to teeth caused by biting on something hard in your food, whether it’s part of the food or a foreign object like a stone.

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Accident compensation (ACC)

Where to go for more support

Community Law


Your local Community Law Centre can provide free initial legal advice and information.

Accident Compensation Corporation (ACC)



Claims helpline: 0800 101 996
Treatment Injury and Sexual Abuse (sensitive claims): 0800 735 566
Accidental death: 0800 101 996
Deaf community fax: 0800 332 354
Email: claims@acc.co.nz

General enquiries

Phone: (04) 816 7400
Email: information@acc.co.nz


Phone: 0800 650 222
Email: complaints@acc.co.nz

Health and Disability Commissioner


Health and Disability advocates are available to help users of health services make complaints about their health service provider. Health and Disability advocates are free.

Sexual abuse claims (“Sensitive” claims)

ACC Sensitive Claims team

Phone: 0800 735 566
Email: sensitiveclaims@acc.co.nz

Find Support website – www.findsupport.co.nz

This is an ACC website that will help you find information and support. You can click on “Find a therapist” on the home page to find a therapist in your area who can help you begin the process of making an ACC claim.

Support organisations

Sexual abuse support centres


TOAHNNEST: Te Ohakii a Hine – National Network for Ending Sexual Violence Together has a list of places where you can get help.

Medical Council of NZ


The Medical Council registers doctors in New Zealand and has responsibilities in the areas of standards, conduct and competence.

Privacy Commissioner


The Privacy Commissioner has a wide range of functions, including investigating complaints about breaches of privacy, running education programmes, and examining proposed legislation and how it may affect individual privacy.



Phone: 0800 273 030

Email: info@wayfinders.org.nz

Wayfinders are a free national service that’s available to anyone who have questions about ACC or a specific ACC claim. Their service is available for people who may want an alternative way to interact with ACC rather than deal with ACC directly.

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