Two men in a Mini pick up a woman hitchhiker off the road. The woman, Shirl, informs the men, Gerry and John, that she is a virgin. Gerry makes a bet with John that Shirl will have lost her virginity to him by the time they reach the town of Wanganui.
Gerry has sex with Shirl while restraining her in the back seat of the Mini (this is not shown, but implied: the parked car is seen moving and rocking from outside).
A discussion follows as to whether or not the sexual encounter counted as Shirl losing her virginity; she insists it was non-consensual and therefore rape, but Gerry disagrees.
It is implied that Shirl has had sex with a drug dealer; she is shown waking up in the man's bed, covered by a sheet (no nudity shown).
Gerry covers the inside walls of a boxcar with pictures of naked women posing suggestively, which are visible in the background of scenes in the boxcar.
It is implied that Gerry and Shirl have slept together in the boxcar during the night; they are shown the next morning in bed together, covered by a sheet. Gerry intends to have sex with her again, but she interrupts to give him something. Her bare breasts are briefly visible for one shot in this scene.
A police officer pulls over a woman driver and they proceed to have sex in his patrol car (no nudity shown); it is then revealed that they already know each other and are acting out a sexual role-playing game.
John reunites in Invercargill with his wife who left him at the start of the film, and they have sex; they are shown naked on her bed in an embrace.
When the police arrive to arrest John, he walks out of the house naked; there is a brief full frontal nude shot of him in which his genitals are visible at a distance.