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.