Motor Policy Nsw

7/31/2019 Motor Policy Nsw

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Motor InsuranceProduct disclosure

statement andpolicy booklet

Edition 1


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Page 1 of 2

Motor Insurance SupplementaryProduct Disclosure StatementThis Supplementary Prduct Disclsure Statement (Supplementary PDS) updates, and shuld be read with, the

Mtr Insurance Prduct Disclsure Statement and Plicy Bklet (PDS) Editin 1. These dcuments tgether

with yur current Certificate f Insurance make up the terms and cnditins f yur insurance plicy with us.

SUPPLEMENTARY PDS 1.1

This Supplementary Prduct Disclsure Statement (Supplementary PDS) Editin 1.1 will apply t plicies with

a cmmencement date n r after 23 May 2011 r with a renewal effective date n r after 20 June 2011.

PERSoNAL ITEMS (PAGE 11 oF THE PDS)We have made a change to the personal items cover outlined on page 11 of the PDS to improve cover in relation tomotorcycles.

The words that appear under the heading Personal Items are deleted and replaced with the following:

If we agree to pay your claim and your personal items suffer loss or damage caused by an incident:

we will:

payupto$500ifyourvehicleisamotorvehicletoreplaceorrepairthoseitems,

payupto$2000ifyourvehicleisamotorcycletoreplaceorrepairitemsthatarewornbyyouandyourpassengertoprovideprotectionfrominjurywhenyouareridingyourmotorcyclesuchasprotectivehelmets,jackets,boots,andtrousers.Themostwewillpayforanyoneitemis$1000.

Continued over page


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Page 2 of 2

not covered:

mobilephones

cash

babycapsulesandchildseats(forcoverfortheseitemsseepage11column3ofthePDS)

standardequipment,modifications,optionsoraccessoriesexceptiftheyareprotectiveitemsthatyouoryour

passenger were wearing when riding your motorcycle itemslostordamagedasaresultoftheftorattemptedtheft.

FINANCIAL CLAIMS SCHEME

Ifwebecomeinsolvent,thispolicymaybeprotectedundertheFederalGovernment'sFinancialClaimsSchemeadministered by APRA. This means that if you meet certain eligibility criteria you may receive payment under the scheme.Formoreinformationpleaseseewww.apra.gov.auorcontacttheAPRAhotlineon1300131060.

InsuranceAustraliaLimitedABN11000016722

AFSLicenceNo.227681tradingasNRMAInsurance

388GeorgeStreetSydneyNSW2000G014096 04/11


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1

Thank you for choosingNRMA InsuranceBy choosing NRMA Insurance, youre choosing to get on with the life you

enjoy and stop thinking about the what ifs.

NRMA Insurance has been helping people for many years. We want to make

things simple when it comes to insurance from being clear about what

you're covered for, to less complicated claims.

This booklet tells you what you need to know about your insurance policy.

If theres anything you dont understand or need help with, just give us a

call on 132 132 or visit an NRMA ofce.


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Contents I you cannot fnd what you are looking or here, please go to the index on page 46.Features & Benefts 4

Our agreement with you 5

What your Policy covers 6

Comprehensive Insurance 7

- Coverforlossordamage 7

- Windscreen,sunroof&windowglassdamage 7

- Keys,locks&barrels 8

Additional cover 9

- Hirecaraftertheftorattemptedtheft 9

- Newreplacementvehicle 10 - Storagecosts 10

- Personalitems 11

- Towing 11

- Babycapsules&childseats 11

- Trailerorcaravandamage 12

- Emergencyrepairs 12

Optional cover 13

- Hirecaroption 13

- Windscreenoption 14

Third Party Fire & Thet Insurance 15

- Coverforre&theftlossordamage 15

- Limitedcoverforaccidentdamagetoyourvehicle 15

-Uninsuredmotoristdamage 15 -Insuredmotoristdamage 16

Additional cover 17

- Towing 17

- Hirecaraftertheftorattemptedtheft 17

- Storagecosts 18

- Emergencyrepairs 18

Third Party Property Damage Insurance 19

- Uninsuredmotoristdamage 19

Additional cover 19

- Towing 19

Cover or all types o Insurance 20

- Liabilitycoverfordamageyoucausetosomeoneelse'sproperty 20

- Legalrepresentation 21 - Youruninsuredloss 22 - Helplinebenets 22

Things that may aect cover 23

- Generalexclusions 23

-Drivingundertheinuenceofalcoholordrugs 24

-Unlicenseddrivers 24 -Impropervehicleuse 24

- Yourresponsibi litieswhenyouareinsuredwithus 25

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Claiming under your Policy 26

Your responsibilities when making aclaim under this Policy 27

Excesses 28 - Whatisanexcess? 28 - Whenanexcessapplies 28 - Whenanexcessdoesnotapply 28

How we settle a claim 29

Repairing your vehicle 29

- Choosingarepairer 29 - Partsusedwhenrepairingyourvehicle 30

Lietime guarantee o repairs 30

The Motor Vehicle Insurance and Repair

Industry Code o Conduct 30

I your vehicle is a total loss

- ComprehensiveInsurance 31

- ThirdPartyFireandTheftInsurance 31 - Uninsuredmotoristdamage 32

- Insuredmotoristdamage 32Recovery against another party 32

I you are a business registered or required to be

registered or GST purposes and entitled to an

input tax credit 32

Credit provider's rights 33

More about this Policy 34

How we work out your premium 35 Discountsyoumaybeeligiblefor 35

Paying your premium - what you should know 36

- Unpaidannualpremium 36

- Unpaidmonthlyinstalments 36

Making changes to your Policy 37

- YouwanttomakechangestoyourPolicy 37

- Yousellorgiveawayyourvehicle 37

- Youchangevehicles 37 - YouwanttocancelyourPolicy 38

- WewanttocancelyourPolicy 38

- Wewanttogiveyouwrittennotice 38

How to resolve a complaint or dispute 39

General Insurance Code o Practice 39

Privacy o your personal inormation 40

Privacy o your personal inormation

or marketing purposes 41

Defnitions (words with special meaning) 42

Claim payment examples 44

Index 46

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Third Party

Summary o covers Comprehensive Third Party PropertyFire & Thet

Damage

Features & Benefts

BelowisasummaryofsomeofthefeaturesandbenetsofthisPolicydependingonthetypeofcoveryouchoose.Thissummaryisintendedasaguideonly.Forfulldetailsofcoverincludingexclusions,pleasereadthepagesthatfollow.

Cover or accidental damage to your vehicle

Cover or re and thet

Cover or food, storm or a malicious act

Automatic cover or modications

Cover or damaged personal items

Hire car cover ater thet or attempted thet

Cover or emergency repairs

Liability cover

24 month replacement vehicle

Maximum No Claim Discount or Lie

24/7 paperless claims service

Choice o repairer

24/7 emergency assistance when travelling (Helpline benets)

Lietime guarantee on repairs we authorise

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Our agreement with youYourMotorInsurancePolicyisacontractbetweenyouandusmadeupof: yourcurrentCerticateofInsurance,and

thisProductDisclosureStatementandPolicyBooklet(PDS),and anyapplicableSupplementaryPDS.

Paying your premium

Inreturnforthepaymentofyourpremium,wewillprovidethecoveryouhavechosen.Youcanelecttopayyourpremiumonanannualbasis,orbymonthlyinstalments(seepage36fordetailsofhowtopayyourpremiumandwhathappensifyoufailtopay).

21 day cooling-o period

Youhaveacooling-offperiodthatallowsyoutocancelyourPolicywithin21daysofitbeingissuedifyoutelluswithinthisperiod.IfyouhavenotmadeanyclaimsonyourPolicy,wewillrefundinfullthepremiumyouhavepaid.

Words with special meaning

SomewordsinthisPDShavespecialmeaning.PleaserefertotheDenitionssectiononpage42formoredetails.

GST

AlldollarvaluesdescribedinthisPDSincludeGST.

Special conditions

WemayimposespecialconditionsonyourPolicythatmayexclude,restrictorextendcoverforapersonoraparticularmatter.Forexample,wemaynotoffercoverforastormorbushrewithintherst48hoursofthestartofthePolicy.AnyimposedconditionswillbelistedonyourcurrentCerticateofInsurance.

Co-insureds

Ifmorethanonepersonisnamedastheinsured,wewilltreatastatement,act,omissionorclaimbyanyoneofthesepeopleasastatement,act,omissionorclaimbyallofthosepeople.

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YourPolicycoversyourmotorvehicleormotorcyclethatislistedonyourcurrentCerticateofInsurance.

ThisisreferredtoasyourvehicleinthisPDS.

Therearethreedifferenttypesofinsurancetochooseforyourvehicle: ComprehensiveInsurance ThirdPartyFire&TheftInsurance ThirdPartyPropertyDamageInsurance.

ThetypeofinsuranceyouhavechosenwillbelistedonyourcurrentCerticateofInsurance.Thescopeofyourcoverdependsuponthetypeofinsuranceyouhavechosen.

YourPolicyprovidescoverforincidentsthatoccurintheperiodofinsurancesetoutonyourcurrentCerticateofInsurance.

Ifyoumakeaclaim,youmayneedtopayanexcess.Also,yourNoClaimDiscountandanyfuture

premiummaybeaffected.

What your Policy covers

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IfyourMotorVehiclesufferslossordamage,wehaveagreedtopayyourclaim,wewillprovidethecoverslisted

Comprehensive Insurance

IfyouholdComprehensiveInsurancewewillprovidecoverasdescribedonpages7to14.

ComprehensiveInsurancealsoincludesthefollowingcoverdescribedinthesectionCoverforalltypesofinsurance:

Liabilitycoverfordamageyoucausetosomeoneelse'spropertyseepage20

Legalrepresentationseepage21

Youruninsuredlossseepage22

Helplinebenetsseepage22.

Cover or loss or damage

Wewillcoverlossordamagetoyourvehiclecausedbyanyofthefollowingincidents: anaccidentincludingacollision ood re

maliciousact storm theftorattemptedtheft.

we will decide whether to:

repairyourvehicle,or payyouthecostofrepairingyourvehicle,or

payyoutheagreedormarketvalue,

dependingonthecoverlistedonyourcurrentCerticateofInsurancelessanyapplicabledeductions(seepage31fordetails).

Windscreen, sunroo & window

glass damage

Ifonlyyourvehicleswindscreen,sunrooforwindowglassisdamagedasaresultofanincidentdescribedonthispageundertheheadingCoverforlossordamage:

we will:

repairorreplacethewindscreen,sunrooforwindowglass,or

payyouthecostofrepairingorreplacingthewindscreen,sunrooforwindowglass.

you need to:

payanybasicexcess,butnotanageor

specialexcess.

SeeThingsthatmayaffectcoveronpages23to25forimportantpolicyexclusionsthataffectallcover.Theseareinadditiontoanylimitationstocoverdescribedonpages7to14.

Forexamplesofhowwecalculateaclaimforlossordamagetoyourvehicle,pleaseseeexamples1and2intheClaimpaymentexamplesonpage44.

Com

preh

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sive

Tobecoveredforwindscreen,sunroofandwindowglassrepairsorreplacementwithouttheneedtopayabasicexcess,seetheWindscreenoptiononpage14.

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Keys, locks & barrels

Ifthekeysofyourvehiclearestolen:

we will:

payupto$1,000overandaboveanybasicexcessthatappliestoyourPolicy

toreplaceorre-codeyourvehicleskeys,locksandbarrels.

you need to:

reportthetheftofthekeystothePolice.

Comprehen

sive

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Comprehensive Insurance Additional cover

Ifyoumakeaclaimforanincidentdescribedonpage7undertheheadingCoverforlossordamage,youmaybe

entitledtooneormoreofthefollowingadditionalcovers.

Hire car ater thet or

attempted thet

Ifweagreetopayyourclaimasaresultoftheftorattemptedtheftofyourvehicleanditcannotbedrivenorisunsafetodrive,wewillpayforthecostofahirecaruptoa

maximumof$50perday: uptoamaximumof21days,or untilyourvehicleisrecoveredandrepaired,or

untilwepayyourclaimifyourvehicleisatotalloss

whicheveristheshortestperiodoftime.

you need to:

payforthehirecarrst,and provideuswiththehirecaragreementandreceiptforpaymentofthehirecar.

not covered:

runningcostsofthehirecar additionalhirecarcosts lossordamagetothehirecar liabilityarisingfromtheuseofthehirecar(exceptasdescribedunderHirecar

excessandbondscoverseethispage).

Wearenotresponsibleforensuringahirecarisavailable.

Hire car excess and bonds

Wewillpayyouupto$2,000intotalforanyexcessyouarerequiredtopay,andtheamountofsecuritybondforfeitedunderahirecaragreementif: wehaveagreedtopayforthecostof

thehirecarunderHirecaraftertheftorattemptedtheftcover(seethispage),and

theexcessorsecuritybondispayableasaresultoflossordamagetothehirecarorlossordamagecausedbythehirecarduringthehireperiodwecover.

you need to:

provideuswithacopyofthehirecar

agreement,and providereceiptsforanyamountsbeingclaimed.

Forhirecarafteranincidentotherthantheftorattemptedtheft,pleaseseeHirecaroptiononpage13. C

om

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sive


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New replacement vehicle

Ifyourvehicleisconsideredbyustobeatotallossandweagreetopayyourclaim,youcanchoosetohaveyourvehiclereplaced,if:

youhaveboughtyourvehiclenew,oryoupurchasedademonstratorvehicle,and

thevehicleisintherst24monthsofitsregistrationatthetimeoftheincident,and

areplacementvehicleisavailableinAustraliawhichisofthesamemake,model,enginesize,equipmentlevelandpainttype,and

wehaveagreementfromanycreditprovidernotedonyourcurrentCerticateofInsuranceifapplicable,and

thevehiclehasatareweightoflessthan2.5tonnes.

we will:

replaceyourvehiclewithavehicleofthesamemake,model,enginesize,equipmentlevelandpainttype

replaceanymodications,optionsoraccessories

paytherst12monthsregistrationand

CompulsoryThirdParty(CTP)Insurance,ifapplicable,onthereplacementvehicle.

you need to:

payusany - excessthatapplies, - outstandingpremium,includingthe

balanceofallmonthlyinstalments, - refundyoureceivefromtheregistration

andCTPInsuranceoveryourvehicle.

I your vehicle is replaced:

yourPolicycomestoanendandnorefundofpremiumisdue,and

yourvehiclebecomesourproperty.

Storage costs

Ifweagreetopayyourclaimandasaresultofanincidentyourvehicleisreasonablyrequiredtobeheldinstorage:

we will:

paythereasonablestoragecostsforyourvehiclefromthetimetheclaimislodged.

Youcanarrangecoverforyourreplacementvehiclebycalling

132132orvisitanNRMAofce.

Foranexampleofhowwecalculateaclaimforanewreplacementvehicle,pleaseseeexample3intheClaimpaymentexamplesonpage44.

Comprehen

sive

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Personal items

Ifweagreetopayyourclaimandpersonalitemsinyourvehiclesufferlossordamagecausedbyanincidentexcepttheftorattemptedtheft:

we will: payupto$500toreplaceorrepairthepersonalitemsifyourvehicleisamotorvehicle,

payupto$500toreplaceyourhelmetifyourvehicleisamotorcycle.

not covered:

personalitemsotherthanahelmetifyourvehicleisamotorcycle

mobilephones cash babycapsulesandchildseats(forcoverfortheseitemsseethispage)

standardequipment,modications,optionsoraccessories.

Towing

Ifweagreetopayyourclaimandyourvehiclecannotbedrivenorisunsafetodriveandrequirestowingasaresultofanincident:

we will: paythecostofonetowtogetyourvehiclefromthesceneoftheincidentto:

- thenearestrepairerrecommendedbyus,or

- arepairmanagementcentre,or - arepairernominatedbyyou,or - aplaceofsafety.

Ifmorethanonetowisrequired,wewilldecidewhichonewewillpayfor.

Baby capsules & child seats

Ifweagreetopayyourclaimandanybabycapsuleorchildseatinyourvehicleisstolenordamagedasaresultofanincident:

we will:

payupto$500peritem,towardsreplacingeachbabycapsuleorchildseat.

Com

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sive

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Comprehen

sive

Trailer or caravan damage

Ifweagreetopayyourclaimandyourtrailerorcaravansufferslossordamageasaresultofanincidentwhileattachedtoorbeingtowedbyyourvehicle:

we will: payupto$1,000towardsrepairingorreplacingyourtrailerorcaravan.

not covered:

damagetothecontentsofthetrailerorcaravan.

Emergency repairs

Ifweagreetopayyourclaimandyouhavemadeemergencyrepairstoyourvehicleasaresultofanincident:

we will:

coveranyemergencyrepairsupto$500withoutanyprioragreementbetweenyouandus.

you need to:

keepthereceiptsforallrepairs.

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Comprehensive Insurance Optional cover

IfyouholdComprehensiveInsurance,youmayaddthefollowingoptionstoyourPolicybypayinganyadditionalpremiumthatapplies.

AnyoptionsyouhavechosenwillbelistedonyourcurrentCerticateofInsurance.

Hire car option

Ifyouhavechosenthisoptionandyourvehiclecannotbedrivenoritisunsafetodriveasaresultofanincidentdescribedonpages7and8andweagreetopayyourclaim:

we will:

payforthecostofahirecaruptoamaximumof$50perday:

- uptoamaximumof14days,or - untilyourvehicleisrepaired,or - untilwepayyourclaimifyourvehicleis

atotalloss whicheveristheshortestperiodoftime.

you need to:


Thisoptiondoesnotapplyiftheincidentistheftorattemptedtheft.

not covered:


excessandbondscoverseethispage).



Wewillalsopayyouupto$2,000intotalforanyexcessyouarerequiredtopay,andtheamountofsecuritybondforfeitedunderahirecaragreementif:

wehaveagreedtopayforthecostofthehirecarundertheHirecaroption(seethispage),and


you need to:

provideuswithacopyofthehirecaragreement,and providereceiptsforanyamountsbeingclaimed.


ForhirecaraftertheftorattemptedtheftpleaseseeHirecaraftertheftorattemptedtheftonpage9.

Com

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Comprehen

sive

Windscreen option

Ifyouhavechosenthisoption,youwillnotneedtopayanyexcesswhenonlyyourvehicleswindscreen,sunrooforwindowglassisdamagedasaresultofanincidentdescribedonpage7undertheheading

Coverforlossordamage:

we will:

repairorreplacethewindscreen,sunrooforwindowglass,or

payyouthecostofrepairingorreplacingthewindscreen,sunrooforwindowglass.

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Third Party Fire & ThetInsurance

IfyouholdThirdPartyFire&TheftInsurancewewillprovidecoverasdescribedonpages15to18.

ThirdPartyFire&TheftInsurancealsoincludesthefollowingcoverdescribedinthesectionCoverforalltypesofinsurance.





Cover or fre & thet loss

or damage

Wewillcoverlossordamagetoyourmotorvehicleupto$10,000causedbyeitherofthefollowingincidents: re

theftorattemptedtheft.


repairyourvehicle,or payyouthecostofrepairingyourvehicle,or

payyouthemarketvaluelessanyapplicabledeductions(seepage31fordetails).

Themostwewillpayis$10,000.

Limited cover or accident

damage to your vehicle

Ifyouarenotatfaultinacollisionweprovidelimitedcoverforthedamagetoyourvehiclebaseduponwhetherthepersonatfaultwas:

uninsuredforthedamagetoyourvehicle,or insuredforthedamagetoyourvehicle.

Uninsured motorist damage

Wewillprovideyoulimitedcoverupto$5,000fordamagetoyourvehicleif:

- yourvehicleisdamagedinacollisionwithanothervehicle,and

- weagreethecollisionwasentirelythe

otherdriver'sfault,and - youcanprovideuswiththeregistrationoftheothervehicle,andthenameandresidentialaddressoftheotherdriver,and

- thedamageismorethanthebasicexcessthatappliestoyourPolicy,and

- thedriveroftheothervehicleisuninsuredforyourdamage.

Th

irdP

art

y

Fire&Th

et


Forexamplesofhowwecalculateaclaimforreortheft,pleaseseeexamples1and4intheClaimpaymentexamplesonpages44to45.

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ThirdParty

Fire&Thet


repairyourvehicle,or payyouthecostofrepairingyourvehicle,or payyouthemarketvalueofyourvehicle,lessanyapplicabledeductions(seepage32fordetails).

Insured motorist damage

Wewillprovideyoulimitedcoverupto$5,000fordamagetoyourvehicleif:


- weagreethecollisionwasentirelytheotherdriver'sfault,and

- youcanprovideuswiththeregistrationoftheothervehicle,andthenameand

residentialaddressoftheotherdriver,and

- thedamageismorethanthebasicexcessthatappliestoyourPolicy,and

- thedriveroftheothervehicleisinsuredandentitledtocoverforyourdamage.

you must:

payusanadministrationchargeof$300.


repairyourvehicle,or payyouthecostofrepairingyourvehicle,or payyouthemarketvalueofyourvehicle,lessanyapplicabledeductions(seepage32fordetails).

ForexamplesofhowwecalculateaclaimforUninsuredmotoristdamageorInsuredmotoristdamage,pleaseseeexamples1,5and6intheClaimpaymentexamplesonpages44to45.

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Third Party Fire &Thet Insurance Additional cover

Ifweagreetopayyourclaimforanincidentdescribedonpages15and16undertheheadingCoverforre&theftlossordamageorUninsuredmotoristdamageorInsuredmotoristdamage,youmaybeentitledtooneormoreofthefollowingadditionalcovers.

Towing

Ifweagreetopayyourclaimandyourvehiclecannotbedrivenorisunsafetodriveandrequirestowingasaresultofanincident:

we will:

paythecostofonetowtogetyourvehiclefromthesceneoftheincidentto:



Ifmorethanonetowisrequired,wewill

decidewhichonewewillpayfor.

Hire car ater thet or

attempted thet

Ifweagreetopayyourclaimasaresultoftheftorattemptedtheftofyourvehicleanditcannotbedrivenorisunsafetodrive,wewillpayforthecostofahirecaruptoa

maximumof$50perday: uptoamaximumof21days,or untilyourvehicleisrecoveredandrepaired,or

untilwepayyourclaimifyourvehicleisatotalloss,

whicheveristheshortestperiodoftime.

you need to:


not covered:


excessandbondscoverseepage18).


Th

irdP

art

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Fire&Th

et


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ThirdParty

Fire&Thet


Wewillalsopayyouupto$2,000intotalforanyexcessyouarerequiredtopay,andtheamountofsecuritybondforfeitedunderahirecaragreementif: wehaveagreedtopayforthecostofthehirecarunderHirecaraftertheftorattemptedtheft(seepage17),and


you need to:

provideuswithacopyofthehirecaragreement,and

providereceiptsforanyamountsbeingclaimed.

Storage costs

Ifweagreetopayyourclaimandasaresultofanincidentyourvehicleisreasonablyrequiredtobeheldinstorage:

we will:

paythereasonablestoragecostsforyourvehiclefromthetimetheclaimislodged.

.

Emergency repairs

Ifweagreetopayyourclaimandyouhavemadeemergencyrepairstoyourvehicleasaresultofanincident:

we will:

coveranyemergencyrepairsupto$500withoutanyprioragreementbetweenyouandus.

you need to:

keepthereceiptsforallrepairs.

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Third Party PropertyDamage Insurance

IfyouholdThirdPartyPropertyDamageInsurancewewillprovidecoverasdescribedonthispage.

ThirdPartyPropertyDamageInsurancealsoincludesthefollowingcoverdescribedinthesectionCoverforalltypesofinsurance:





Uninsured motorist damage

Thisprovideslimitedcoverfordamagetoyourvehiclewhenyouarenotatfaultinacollision(Liabilitycoverfordamageyoucausetosomeoneelse'spropertyonpage20).

wewillprovideyouwithlimitedcoverupto$5,000forlossordamagetoyourvehicleif:


- thedriveroftheothervehicleisuninsuredforthedamage,and

- weagreethecollisionwasentirelytheotherdriver'sfault,and

- youcanprovideuswiththeregistrationnumberoftheothervehicle,andthenameandresidentialaddressoftheotherdriver,and

- thedamageismorethanthebasicexcessthatappliestoyourPolicy.


repairyourvehicle,or payyouthecostofrepairingyourvehicle,

or payyouthemarketvalueofyourvehicle,lessanyapplicabledeductions(seepage32).

Third Party PropertyDamage Insurance Additional cover

Towing

IfweagreetopayyourclaimunderUninsuredmotoristdamageandyourvehiclecannotbedrivenorisunsafetodriveandrequirestowingasaresultofacollision,

we will:

paythecostofonetowtogetyourvehiclefromthesceneoftheincidentto:



Ifmorethanonetowisrequired,wewilldecidewhichonewewillpayfor.

T

hirdP

art

yPro

pe

rtyD

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age

SeeThingsthatmayaffectcoveronpages23to25forimportantpolicyexclusionsthataffectallcover.Theseareinadditiontoanylimitationstocoverdescribedonthispage.

ForexamplesofhowwecalculateaclaimforUninsuredmotoristdamage,pleaseseeexamples1and5intheclaimpaymentexamplesonpages44to45.

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ForalltypesoInsurance

Cover or all types oInsurance

Ifyouholdanytypeofinsurance,wewillprovidecoverasdescribedinthefollowingsections:

Liabilitycoverfordamageyoucausetosomeoneelse'sproperty-seethispage

Legalrepresentation-seepage21

Youruninsuredloss-seepage22

Helplinebenets-seepage22

Liability cover or damage you

cause to someone else's property

Underliabilitycover,weprotectyouifsomeonemakesaclaimagainstyouforlossordamagetotheirproperty.

Forexample,ifyouareatfaultinanaccidentanddamagesomeonesvehicle.

Who we will cover

Wewillcover: you,or anydriver,or anypassenger,or youremployer,includingthegovernment,yourbusinesspartnerorprincipalwhen:

- youareusingorareinchargeofyourvehicleastheiremployee,businesspartneroragentoftheprincipal,or

- yougivepermissionforyourvehicletobeusedbyanotheremployee,businesspartneroragentoftheprincipal.

Yourprincipalisapersonwithwhomyouhaveanexpressagreementtoactas

theiragent.

What we will cover

Wewillcovertheliabilityofapersonwecoverforanyclaimagainstthemarisingfromlossordamagetosomebodyelsesproperty,inanincidentthatiscausedbytheuseofyourvehicle.

We will also:

actfor,orarrangerepresentationforthepersonwecover

attempttoresolvetheclaimifweconsiderthatthepersonwecoverisatfaultforthelossordamage

defendtheclaiminacourtortribunalifweconsiderthatthepersonwecoverisnotatfaultforthelossordamage.

Itisourchoicewhetherwedefendorresolvetheclaimand,ifweresolvetheclaim,howmuchwepaytoresolvetheclaim.

Themostwewillpayinrelationtoanyoneincidentis$20million.Inaddition,wewillpaylegalcostswhenourlawyersactinconnectionwiththeclaim.


Forexamplesofhowwecalculatealiabilityclaimandlegalcosts,pleaseseeexample7intheClaimpaymentexamplesonpage45.

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Substitute vehicle

Inthesamewaywecoverliabilityfortheuseofyourvehicle,wealsocoverliabilitycausedbytheuseofasubstitutevehicle(forthemeaningofsubstitutevehicle,seepage43).

When we provide liability cover

Tobeentitledtoliabilitycover: theincidentmustoccurduringtheperiodofinsurancesetoutonyourcurrentCerticateofInsurance

thepersonwecovermustbeclaimedagainstbythepersonwhosepropertyislostordamagedintheincidentandmustlodgeaclaimforliabilitycoverwithusunderyourPolicy

ifthepersonwecoverisnotyouandthatpersonwasdrivingthevehicletheymust,atthetimeofincident,havehadyourpermissiontodrivethevehicle

ifthepersonwecoverisnotyouandthatpersonwasapassengertheymust,atthetimeoftheincident,havehadyourpermissiontobeinthevehicleorthepermissionofapersonwhohasyourpermissiontodrivethevehicle.

When you are not entitled to

liability cover

wedonotcoveranyclaimfororarisingfrominjuryordeathfromanincident

wewillnotcoverdamagetopropertythatyou,orthepersonwecover,ownorhaveintheircustody,controlorpossession

wewillnotcovertheliabilityofanypassengerwhowasundertheinuenceofanyalcoholordrugatthetimeoftheincident

wedonotcoveranyexemplaryorpunitivedamages,nesorpenaltiesclaimed,orderedorawardedagainstyouorthepersonwecover.

Legal representation

Ifyourvehicleisinvolvedinanincidentwhichresultsinyouoradriverofthevehiclewhohaspermissiontodriveyourvehicleneedinglegalrepresentationasaresultofthatincident:

wewillpaythereasonablecostsoflegalrepresentationifyouorthatdriverneedstoberepresentedbeforeacoronerconductinganinquiry

wemaychoosetopaythereasonablecostsoflegalrepresentationifyouorthatdriverneedstoberepresentedbeforeamagistrate.

Themostwewillpayforanylegal

representationis$10,000.

you must:

contactusbeforeincurringthesecostsotherwisewemaynotcoveryouforthesecosts.

For

alltypeso

Insuran

ce

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ForalltypesoInsurance

Your uninsured loss

Ifwepayyourclaim,andtakestepstorecoverfromathirdpartysomeoralloftheamountwepayyou,wemay,ifwechooseto,alsoattempttorecoveronyourbehalf,lossordamagewhichisnotcoveredbyyourPolicybutthat

yousufferinconnectionwiththeincident.

Thismeanswemaydecidetorecoveryouruninsuredloss,aswellasourclaimpayments,fromathirdparty.

you must:

havetoldusaboutyouruninsuredlossandaskedustoseekrecoveryofit,

provideuswithanydocumentsyouhave

thatproveyouruninsuredloss,and haveenteredintoanagreementaboutthetermsonwhichwe,orourrecoveryagentsorlawyers,willrecoveryouruninsuredlossonyourbehalf.Youmayneedtocontributeyourshareofanylegalorrecoveryagentscosts.

Ifwetakestepstorecoverourclaimpaymentsyouagreethatwecanretainany

amountwerecover.

not covered:

Wewillnotseekrecoveryoflossordamagecoveredunderanotherinsurancepolicyoranylossordamagefororarisingfrompersonalinjuryordeath.

Helpline benefts 132 900

24 hour assistance

Helplineisatelephoneservicethatprovidesassistanceandadvice24hoursaday,sevendaysaweek.Thelevelofassistanceandtherangeofbenetsavailabletoyouvaries

accordingtothetypeofcoveryouhavechosen.

Helplineprovidesassistance: overthephonewhiletravelling withaccidents withillnessorinjuries withillnessorinjuriesthatneedhospilisation

withillnessorinjuriesthatinterruptadrivingtrip

ifsomeonetravellingwithyoudies ifsomeonenottravellingwithyoudies ifyourvehicleisstolen.

22

FordetailsonthebenetsofHelplinepleaserefertoourNRMAMotorInsuranceHelplineBenetsGuide,locatedatwww.nrma.com.au/motorhelplineorcontactuson132900orvisitanNRMAofce.


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Things that may aectcover

Insomesituations,wemaynotcoveryouatallorwemaylimitthecoverwegiveyouunderyourPolicy.Theseareknownas

exclusions.Weoutlinetheexclusionsinthefollowingsections.

General exclusions

Theexclusionsshownonpages23to24applytoallcoverunderyourPolicy.Thesesectionsalsoapplytoliabilitycover.

Exclusions or liability cover

TheexclusionsforliabilitycoverareshownunderWhenyouarenotentitledtoliabilitycoveronpage21.

Other exclusions

Throughoutthisbooklet,weoutlineotherexclusionsthatapplytospecicsituationsandthelimitsonyourcover.

Your responsibilities when you

are insured with us and whenyou make a claim

Whenyouareinsuredwithusandwhenyouneedtomakeaclaim,youmustmeetcertainresponsibilities.Weoutlineyourresponsibilitiesonpages25and27.

General exclusions

Theexclusionsonthispageandpage24applytoallcoverunderyourPolicy.

not covered:

lossordamagethatoccursoutside

Australia lossordamagelessthananyapplicableexcesses

claimsarisingfromincidentsthatoccuroutsidetheperiodofinsurancelistedonyourcurrentCerticateofInsurance

tyredamagecausedbyroadcuts,punctures,burstsorbraking

mechanical,structural,electronicorelectricalfailures

repairstoolddamage deterioration,wear,tear,rust,erosionorotherformsofcorrosion

lossthatoccursbecauseyoucannotuseyourvehicleexcepttotheextentyourPolicyprovidesyouwithhirecarcover

thecostofxingfaultyrepairs lossordamagetoyourvehiclewhileitisonconsignment

depreciation lossofthevalueofyourvehicle.

not covered:

lossordamagecausedintentionallybyyou,orapersonactingwithyourexpressorimpliedconsent

lossordamagecausedbyorarisingfrom: - theseizure,impoundment,saleor

destructionofyourvehiclebyanylawenforcementorgovernmentagency

- anyhostilities,rebellion,riot,civilcommotionorwarwhetherwarhasbeenformallydeclaredornot

- theuse,existence,orescapeofanynuclearorradio-activematerial

- anyactofterrorismthatinvolvesbiological,chemicalornuclearpollutionorcontamination

- thedischargeofanypollutantorcontaminantfromyourvehicleorasubstitutevehicle

- abreachofcontractoranobligationunderacontract

- afailuretosecureyourvehicle,orleavingyourvehicleinanunsafepositionafterit:

brokedown,or sufferedaccidentaldamage,or wasstolenandthenfound.

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24

Thingstha

tmayaectcov

er

Driving under the inuence o alcohol

or drugs

If,atthetimeofanincident,thedriverofyourvehicleorasubstitutevehicle: wasundertheinuenceofanyalcoholordrug;or

hadabloodalcohollevelhigherthanthe

levelpermittedbylawwewillrefuseanyclaimunless:

youwerenotthedriverandyoucansatisfyusyouhadnoreasontosuspectthatthedriverwasaffectedbyalcoholoranydrug.Evenifweagreetopayyourclaimforlossordamagetoyourvehicle,thedriverwillhavenoliabilitycoverandwemayseek

recoveryofanamountfromthisdriver.

Driving unlicensed

If,atthetimeofanincident,thedriverofyourvehicleorasubstitutevehicle: didnotholdalicence,or wasacancelled,suspendedordisqualieddriver,or

wasalearnerdrivernotaccompaniedby

alicenseddriverwhoholdstheclassoflicencerequiredbythelearner'spermit,or

didnotholdtheappropriateclassoflicenceforthevehicle

wewillrefuseanyclaimunless:

youwerenotthedriverandyoucansatisfyusyouhadnoreasontosuspectthatanyofthesemattersappliedtothedriver.Even

ifweagreetopayyourclaimforlossordamagetoyourvehicle,thedriverwillhavenoliabilitycoverandwemayseekrecoveryofanamountfromthisdriver.

Improper vehicle use

If,atthetimeofanincident: youorthedriverofyourvehicleorasubstitutevehiclewereengagedinawilfulorrecklessactwhiledrivingthevehicle,or

yourvehicle,asubstitutevehicleoranythingattachedtoyourvehicleora

substitutevehiclewasbeingusedtocarryorstoreexplosives,ammableorcombustiblesubstancesorliquidsillegally,or

yourvehicleorasubstitutevehicleoranythingbeingtowed,includingatrailerorcaravan,was:

- inanunsafecondition,or - beingtowedillegally,or

yourvehicleorasubstitutevehiclewasbeingusedinarace,trial,testorcontest,orforunlawfulpurposes.

wewillrefuseanyclaim.


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Your responsibilities when you

are insured with us.

Ifyoudonottellusthefollowingwemayrefuseorreduceaclaim,orcancelyourPolicy: youchangetheaddresswhereyour

vehicleisnormallykept youchangethewayyouuseyourvehicle youuseyourvehicleforadrivereducationcourse

youhireoutyourvehicle yourvehicleisnotinaconditionthatmeetsregistrationrequirementsinyourStateorTerritory

yourvehicleisnotingoodorderandrepair,freefromrust,mechanical,hailorunrepaireddamage,oranyotherdamagethatwouldmakeitunsafe

youuseyourvehicleforeventsrelatingtoamotorvehicleclub,bashorcharityevent.

Whenmakingaclaimyoualsoneedtomeettheresponsibilitiesonpage27

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Excesses

Excesses

What is an excess?

Anexcessisanamountyoucontributetowardsthecostofaclaim.

Therearethreetypesofexcess: basic age special.

Ifyoumakeaclaimyoumustpayanyexcessthatapplieseithertousortotherepairerorsupplier.Wewilltellyouwhotopayyourexcessto.Wemaynotnalisea

claimuntilyouhavepaidanyexcessthatapplies.

IfyouholdComprehensiveMotorVehicleInsurance,youcanchooseahigherbasicexcesstoreduceyourpremium(seeourChoiceofExcessDiscountonpage35).

Ifavailable,youmayremovethebasicexcessbypayinganextrapremium.

When an excess applies

Ifyoumakeanytypeofclaim,youmustpayany: basicexcessthatapplies,and ageexcesswherethedriverofyourvehiclewasunder25yearsofage,or

25yearsofageormorewithlessthan2yearsofdrivingexperienceafterobtainingaprovisionalorprobationarylicence,and

specialexcessinadditiontoanyageexcessorbasicexcess.

ThetypeandamountofanyPolicyexcessyoumustpayarelistedonyourcurrentCerticateofInsurance.

When an excess does not apply

Youwillnothavetopayanexcessif: youmakeaclaimforanincidentthatweagreewasnotinanywaythefaultofyou,thedriverof,orapassengerinyourvehicle,orasubstitutevehicle,and

youcanprovidethenameandresidentialaddressofaperson(s)weagreeisatfault,andtheamountoftheclaimismorethananybasicexcess.

Youwillnothaveanexcessifyouareclaimingforwindscreen,sunrooforwindowglassdamageonlyandyouhavechosentheWindscreenOptionavailableunderComprehensiveInsurance(seepage14).

Forfurtherdetailsonexcesses,togetherwithdetailsonhowtheseexcessesarecalculated,pleaserefertoourMotorInsurancePremium,ExcessandDiscountsGuidelocatedatwww.nrma.com.au/motorpedorcontactNRMAInsuranceon132132orvisitanNRMAofce.

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How we settle a claim

Repairing your vehicle

Ifweagreetopayyourclaimforlossordamagetoyourvehicleandweagreeyourvehiclecanberepaired,informationonhow

wesettleyourclaimisdescribedonpages29and30.

I your vehicle is a total loss

Ifyourvehicleisconsideredbyustobeatotalloss,howwesettleyourclaimwilldependuponthetypeofcoveryouhavechosen:

forComprehensiveInsurance,seepage31.

forThirdPartyFire&TheftInsurance,

iftheincidentisre,theftorattemptedtheftseepage31

forThirdPartyFire&TheftInsurance,iftheincidentiscoveredunderUninsuredmotoristdamageorInsuredmotoristdamageseepage32

forThirdPartyPropertyDamageInsurance,iftheincidentiscoveredunder'Uninsuredmotoristdamage'seepage32.

Repairing your vehicle

Choosing a repairer

Ifweagreetorepairyourvehicle,youcanletusndyouarepaireroryoucannominateyourownrepairer.

I you let us fnd you a repairer

we will:

adviseyouofarepairmanagementcentretoattendorapreferredrepairertoundertakerepairstoyourmotorvehicle,and

choosethemostsuitablerepairmethodforthetypeofdamagetoyourvehicle.

we may: needtoinspectyourvehiclebeforeauthorisingrepairs.Ifso,wewilltellyouwhereyouneedtotakeyourvehicleorhaveyourvehicletowed

arrangeforapartoftherepairtobecarriedoutbyaspecialistserviceprovider,forexamplewindscreenrepairs

requireyoutocontributetothecostsiftherepairstoyourvehicleleaveitinabetterconditionthanbeforetheincident.

we will not:

coveranyadditionalcostsincurredthroughextensivedelaysanddifcultiesinobtainingparts.

I you choose to nominate your own

repairer

you must:

choosearepairerthathasallnecessarylicencesandauthorisationsrequiredbylaw

obtainourauthorisationfortherepairsandquotedcostbeforethoserepairsarecommenced.

we will:

choosethemostsuitablerepairmethodforthetypeofdamagetoyourvehicle,and

- decidewhethertoauthoriseandpayforthefairandreasonablecostsof

repairs,or - decidewhethertopayyouthefairandreasonablecosttorepairyourvehicle

Indeterminingthefairandreasonablecost,wemayconsideranumberoffactors,includingquotesfromotherrepairers.

we may:

needtoinspectyourvehiclebeforeauthorisingrepairs.Ifso,wewilltellyou

whereyouneedtotakeyourvehicleorhaveyourvehicletowed

requireyoutocontributetothecostsiftherepairstoyourvehicleleaveitinabetterconditionthanbeforetheincident.

Howw

ese

ttleaclaim

Forexamplesofhowwecalculateclaimsifyourvehiclecanberepairedorisatotalloss,pleaseseetheClaimpaymentexamplesonpages44to45.

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Howwesettleaclaim

we will not:

beresponsibleforensuringtheavailabilityoftherepairer

coveranyadditionalcostsincurredthroughextensivedelaysanddifcultiesinobtainingparts.

Parts used when repairing your vehicle

Ifweagreetorepairyourvehiclewewillrepairyourvehicleusingnewpartsorqualitynon-mechanicalreusableparts.

Ourpolicyistousenon-mechanicalreusablepartsornon-genuinepartsonly

whenthis: isconsistentwiththeageandconditionofthevehicle

doesnotaffectthesafetyorthestructuralintegrityofthevehicle

complieswiththevehiclemanufacturersspecicationsandapplicableAustralianDesignRules

doesnotadverselyaffectthepost-repair

appearanceofthevehicle doesnotvoidoraffectthewarrantyprovidedbythevehiclemanufacturer.

Generally,wedonotauthorisetheuseofreusablepartsfortherepairofanymotorvehiclethatislessthanthreeyearsold.

Lietime guarantee o repairs

Ifweauthoriserepairstoyourvehicle,wewillguaranteetheworkmanshipontherepairsauthorisedbyusforthelifeofyourvehicle.

The Motor Vehicle

Insurance and Repair

Industry Code o Conduct

Thiscodeisintendedtopromotetransparent,informed,effectiveandco-operativerelationshipsbetweensmashrepairersandinsurancecompaniesbasedonmutualrespectandopencommunication.Wesupportthecodeandarecommittedtocontinuallyreviewingouroperationstoensurecompliance.

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C dit id i ht we will: however:


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Cre

ditprov

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der'srigh

ts

Credit providers rights

Ifyouhaveborrowedmoneyusingyourvehicleassecurity,youmayberequiredtonotethecreditprovidersinterestinthevehicle.

Thismayalsoapplyifyoulease,orhaveahirepurchaseagreementonyourvehicle.

Ifthisisthecase,andthecreditproviderislistedonyourcurrentCerticateofInsurance,thecoveryouhavechosenextendstothemandtheconditionsandexclusionsalsoapplytothem.

we will:

consideryourvehicleusedassecuritytobeunderanancearrangement

ifwedecidetopayyouthecostofrepairsortheagreedormarketvalueofyourvehicle,paythecreditproviderthelesser

of: - whereapplicable,theagreedvalue,or

themarketvalue,dependingonthecoverlistedonyourcurrentCerticateofInsurance(lessanyapplicabledeductions)

- whereapplicable,thecostofrepairingyourvehicle(lessanyapplicabledeductions)

- thebalancethenowingtothecreditproviderunderanancearrangement

ifthecreditproviderisentitledtothesalvageofthevehicleintheeventofaclaim,deducttheestimatedsalvagevalueofthevehiclefromanyamountthatwepay.

however:

ourabilitytopaytheclaimmaybeaffectedifthecreditproviderfailstoprovideuswiththeinformationwerequire

wewilltreatanystatement,act,omissionorclaimbyyouasastatement,act,

omissionorclaimbythecreditprovider

ifwepaythecreditprovider,wenolongerhaveanobligationtoyouundertheclaimfortheamountpaidtothem.Wemaytrytorecovertheamountofthatpaymentifsomeoneelsewasatfault.Wewilldothisineitheryournameorthecreditprovidersname.

33

M b t thi P li


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More about this Policy

34

How we work out your No Claim Discount Choice o Excess Discount


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35

How we work out yourpremium

YourinsurancepremiumisbasedonthelikelihoodofaclaimbeingmadeonyourPolicyinthefuture.Thereareanumberoffactorswetakeintoaccountindeterminingyourpremium.

Discounts you may be

eligible or

Ifyoutakeoutinsurancewithusyoumaybeeligibleforoneormoreofthefollowingdiscountsdescribedonthispage:

NoClaimDiscount

Multi-PolicyDiscount

YearsofInsuranceDiscount

ChoiceofExcessDiscount

WecalculatethediscountsthatapplytoyourPolicybeforewetellyouwhatyourpremiumwillbe.DiscountswehaveappliedwillbelistedonyourcurrentCerticateofInsurance.Wemayintroducenewdiscountsfromtimetotime.

No Claim Discount

AppliesifyouholdComprehensiveInsurance.

NoClaimDiscountisarewardforgooddriving.WecalculateyourlevelofNoClaimDiscountbasedonthenumber

ofyearsyouhavebeendrivingandyourclaimsandincidenthistory.

Multi-Policy Discount

Multi-PolicyDiscountappliesifyouholdMotorInsuranceandcertainotherproductsandservices.

Years o Insurance Discount

AppliesifyouholdComprehensiveInsurance.

YearsofInsuranceDiscountisbasedonthenumberofyearsyoucontinuouslyholdyourInsurancePolicywithus.

Choice o Excess Discount

AppliesifyouholdComprehensiveMotorVehicleInsurance.

ChoiceofExcessDiscountallowsyoutoreduceyourpremiumbyselectingahigherbasicexcess.Theexcessyou

chooseisshownasyourbasicexcessonyourcurrentCerticateofInsurance.

Forfulldetailsofhowweworkoutyourpremiumandthediscountsyou

maybeeligiblefor,pleaserefertoourMotorInsurancePremium,ExcessandDiscountsGuidelocatedatwww.nrma.com.au/motorpedorcontactNRMAInsuranceon132132orvisitanNRMAofce.

AnydiscountsappliedwillbelistedonyourcurrentCerticateofInsurance.ItisimportantyoucheckyourcurrentCerticateofInsurancetoensureyouaregettingthediscountsyouareentitledtoandthatyourpersonal

informationisaccurate,completeanduptodate. Prem

iuman

dD

iscoun

ts


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You want to cancel your Policy We want to cancel your Policy We want to give you written


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Makingch

angestoyourPolicy

y y

IfyouwanttocancelyourPolicyyoumustcontactusrst. ifyouarepayingyourpremiumannually,wewilldeductfromthepremiumyoupaidanamountthatcovers

- theperiodthatyouhavebeeninsuredfor,and

- acancellationfeeof$30, thenwewillpayyouwhatisleftofthepremium.

ifyouarepayingyourpremiumbymonthlyinstalments,youmustpayusanymonthlyinstalmentsduebutunpaidtogetherwithacancellationfeeof$30.Youauthoriseustodeducttheseamountsbywayof

directdebitfromtheaccountorcreditcardyouhavepreviouslynominatedformonthlyinstalmentdeductions.

y y

IfwewanttocancelyourPolicy:

we will:

provideyouwithwrittennotice,ifrequired refundyourunusedpremiumafterdeductinganamountthatcoverstheperiodthatyouhavebeeninsuredfor.

however:

ifyouarepayingyourpremiumbymonthlyinstalments,youmustpayusanymonthlyinstalmentsduebutunpaid.Youauthoriseustodeducttheseamountsbywayofdirectdebitfromtheaccountorcreditcardyouhavepreviouslynominatedfor

monthlyinstalmentdeductions.

g y

notice

IfweneedtoprovideyouwithanywrittennoticeregardingyourPolicy:

we will:

deliveritpersonally,or sendittoyourlastknownaddress,or deliveritbyfaxorelectronicallywhereitispermittedbylaw,or

sendyouanelectroniclinkbywhichyoucanaccessthenoticewherethisispermittedbylaw.

however:

itisimportantthatyoutellusofany

changeofpostaladdressorelectronicaddress(ifapplicable)assoonaspossible.

YoumaycancelyourPolicyandreceiveafullrefundwithinthe21daycooling-offperiod(seepage5fordetails).

38

How to resolve a 3 Seek an external review General Insurance Code


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How to resolve acomplaint or dispute

Followthesehelpfulstepstoassistyouinresolvinganycomplaintyoumayhave.

1 Talk to us frst Ifyouhaveacomplaint,therstthingtodoisspeaktooneofourstaff

Ifyourcomplaintrelatesspecicallytoaclaim,speakwiththeclaimsofcermanagingyourclaim(seebackcoverforcontactdetails)

Ifthestaffmemberorclaimsofcerisunabletohelpresolvethematterforyou,youmayspeaktoamanager.

2 Seek a review

Ifthematterisstillnotresolved,themanagerwillreferyoutotherelevantdisputehandlingdepartmentorareawho

willconductareviewofyourcomplaint.

Youareentitledtoseekanexternalreviewofourdecision.Wewillprovideyouwithinformationaboutoption(s)availabletoyou,including,ifappropriate,referringyoutotheexternaldisputeresolutionschemeadministeredbythe

FinancialOmbudsmanService(FOS).

General Insurance Codeo Practice

WesupportandadheretotheGeneralInsuranceCodeofPractice.

The objectives o the Code are: topromotebetter,moreinformedrelationsbetweeninsurersandtheircustomers

toimproveconsumercondenceinthegeneralinsuranceindustry

toprovidebettermechanismsfortheresolutionofcomplaintsanddisputesbetweeninsurersandtheircustomers,and

tocommitinsurersandtheprofessionalstheyrelyupontohigherstandardsof

customerservice.

AcopyoftheCodecanbeobtainedfromtheInsuranceCouncilofAustraliabyvisitingwww.insurancecouncil.com.au.

Complaints

Ifyouarenotsatisedwithourresponse,youcangotostep2.

Ifyouarenotsatisedwithourresponsetoyourdispute,youcangotostep3.

Furtherinformationaboutourcomplaintanddisputeresolutionproceduresisavailablebycontactingus(seebackcoverforcontactdetails)

39

Privacy o your personal When you provide your personal insurancereferencebureausl f t i


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i acy o you pe so alinormation

WearecommittedtohandlingyourpersonalinformationinaccordancewiththeprivacylawsandthetermsofthisPDS.

Youcanchoosenottogiveussomeorallofthepersonalinformationwerequire,butthiswillaffectourabilitytoprovideyouwithcover.

Our Privacy Charter includes

inormation on

howtocontactusregardingprivacy howtochangeyourmarketingconsent

howtoaccessyourpersonalinformation.

y y

inormation

Youacknowledgeandconsenttous,InsuranceAustraliaLimitedtradingasNRMAInsurance,SGIOandSGIC,ouragentsandourrelatedentities(CGU*andIMA**)andtheirdistributorscollectingandusingyourinformationonacondentialbasis: toconsideryourinsuranceapplicationandanysubsequentapplicationforinsurance

tounderwriteandpriceanypolicy tocalculateandofferdiscounts toissueyouwithapolicy toadministerthepolicy toinvestigate,assessandpayanyclaim

madebyoragainstyouorthatcouldbemadeagainstyou

andrecovermonieswehavepaidyouorrecoverdebtsyouhaveincurred.

Forthesepurposes,youacknowledgeandconsenttous,ouragentsandourrelatedentitiesandtheirdistributorscollectingyourpersonalinformationfrom,anddisclosingyourinformationto: ouragents ourrelatedentitiesandtheirdistributors NRMAMotoring&Services***(NSW/ACTcustomersonly)

otherinsurers

lawenforcementagencies ourserviceproviders(whichincludesinvestigatorsandrecoveryagents,lawyers,assessors,repairers,suppliers,advisersandanyagentofthese).

Whenyouprovidepersonalinformationtous,ouragentsandourrelatedentitiesandtheirdistributorsaboutanotherperson: youmustbeauthorisedtodoso,and youmustinformthatperson,unlessinformingthemwouldposeaseriousthreattothelifeorhealthofanyindividual

- whoweare - howweuseanddisclosetheir

informationand

- thattheycangainaccesstothatinformation.

Anexamplemightbeifyouprovideinformationtousaboutanotherpersonsdrivinghistory.

* CGUInsuranceLimitedABN27004478371

** InsuranceManufacturersofAustraliaPty

LimitedABN93004208084***NRMAMotoring&Servicesisthetrading

nameofNationalRoads&MotoristsAssociationLimitedABN77000010506,aseparateandunrelatedcompanytoNRMAInsurance.

Privacy

40

TogetacopyofourPrivacyChartervisitourwebsitetoviewacopy,orpickupacopyatanyNRMAofce.

Privacy o your personal When you provide your personal HoweverY t t f i i k ti


45/54


y y pinormation ormarketing purposes

Yourpersonalinformationhelpsustoprovideyouwitharangeofleading

insuranceproductsandservices.

Wemayalsouseyourpersonalinformationtoofferyouadditionalproductsandservices.

HowwehandleyourpersonalinformationisexplainedinourPrivacyCharter.

inormation to us

Youacknowledgeandconsenttous,ourouragentsandourrelatedentitiesandtheirdistributorscollectingandusingyourpersonalinformationto contactyouformarketresearch provideyouwithinformationandoffersaboutproductsandservicesweoffer

provideyouwithinformationandoffersaboutproductsandservicesofferedbyNRMAMotoring&Services*(NSW/ACTcustomersonly)anditsrelatedentities,ourrelatedentitiesandbyotherorganisationsandtoanyagentofthesethatwepromote,andwemaydothisvia

post,sms,emailortelephone.

Youacknowledgeandconsenttousdisclosingyourpersonalinformationforthesemarketingandmarketresearchpurposesto ourrelatedentitiesandtheirdistributors NRMAMotoring&Services*(NSW/ACTcustomersonly)anditsrelatedentities

theagentofanyofthese.

Theaboveacknowledgmentsandconsentsapplyforuptothreemonthsaftertheendofthispolicy.

Youcanoptoutfromreceivingmarketinginformationatanytimebycontactingus.Youmustinformusifyoudonotwantyourpersonalinformationdisclosedorusedforthesemarketingormarketresearchpurposes.

* NRMAMotoring&ServicesisthetradingnameofNationalRoads&MotoristsAssociationLimitedABN77000010506,aseparateandunrelatedcompanytoNRMAInsurance.

Priv

acy

41

TogetacopyofourPrivacyChartervisitourwebsitetoviewacopy,orpickupacopyatanyNRMAofce.

Defnitionsaccessory market value


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DefnitionsThefollowingwordshavebeengivenspecialmeaning.

anyextraitemttedtoyourvehicle,whetherbythemanufacturerornot.

agreed value

theamountweagreetoinsureyourvehiclefor.Theamountislistedonyourcurrent

CerticateofInsurance.Theagreedvalueincludes: anymodications,optionsoraccessoriesthatareattachedtothevehicle

GST registration CompulsoryThirdParty(CTP)Insurance otheron-roadcosts.Butitdoesnotinclude:

allowancefordealerprot warrantycosts futurestampduty transferfees.

driver

thedriverofamotorvehicleortheriderofamotorcycle.

incident

asingleoccurrenceoraseriesofoccurrences,includinganaccidentorseriesofaccidents,arisingoutoftheoneevent.

ourassessmentofyourvehicle'svalueatthetimeoftheincidentyouareclaimingfor,usinglocalmarketpricesandconsideringtheageandconditionofourvehicle.Itincludes: anymodications,optionsoraccessories

thatareattachedtothevehicle GST registration CompulsoryThirdParty(CTP)Insurance otheron-roadcosts.Butitdoesnotinclude: allowancefordealerprot warrantycosts futurestampduty

transferfees.

modifcation

analterationtothestandardbody,engine,suspension,wheelsorpaintworkofyourvehiclewhichmayaffectitsvalue,safety,performanceorappearance.

non-genuine parts

partswhichwerenotmanufacturedbya

suppliertotheoriginalmanufacturerofthevehicle.

option

seeaccessory.Defnition

s

42

premium you


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thetotalamountyoupayforyourinsurancethatincludesapplicablegovernmenttaxessuchasGST,andanydutiesorchargespayablebyyou.ItisshownonyourcurrentCerticateofInsurance.Ifyoupaybymonthlyinstalments,thepremiumisthetotal

oftheinstalmentsyoumustpayforthefullpolicyperiod.

standard equipment

theequipmentoriginallyttedtoyourvehicleatthetimeofmanufacture.Itdoesnotincludeanymodications,options,oraccessories.

substitute vehicle

amotorvehicleormotorcycleyouhaveborrowedbecauseyourmotorvehicleormotorcycleisbeingrepaired,servicedorhasbrokendown.Thisdoesnotincludeahirecar.

us, we and our

theproductissuer,InsuranceAustraliaLimitedtradingasNRMAInsurance.

thepersonorpersonsnamedastheinsuredonyourcurrentCerticateofInsurance.Ifmorethanonepersonisnamedastheinsured,wewilltreatastatement,act,omissionorclaimbyanyoneofthesepeopleasastatement,act,omissionorclaim

byallthosepeople.

your vehicle

themotorvehicleormotorcycleshownonyourcurrentCerticateofInsuranceincludingitsstandardequipmentandanymodications,optionsoraccessoriesthatareattachedtothevehicle.

Defn

ition

s

43

Claim payment examples


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1 All types o insurance:

Repairing your vehicle pages 7, 15 and 16

Wedecidetorepairyourvehicleandyouletusndyouarepairer.

Thevehiclewastowedfromthesceneoftheaccidenttoourassessingcentre.Thetowingcompanyinvoicedyoufor$350.Thecostoftherepairsis$3,350.

Thereisanexcessof$600.YouarenotregisteredforGST.

you pay the $600 excess to the repairer

we pay the repairer $2,750

($3,350 - $600)

we will pay the towing company $350

2 Comprehensive Insurance

Total loss page 7

Wedecidethatyourvehicleisatotalloss.

TheagreedvalueofthevehiclelistedontheCerticateofInsuranceis$14,200.Thevehiclewastowedfromsceneofaccidenttoourassessingcentre.Thetowingcompanyinvoicedyoufor$350.

Thereisanexcessof$500andyoucan

getaregistrationandcompulsorythirdpartyinsurancerefundof$250.YouarenotregisteredforGST.

we pay you $13,450

($14,200 - $500 - $250)

we will pay the towing company $350

3 Comprehensive Insurance

New replacement vehicle page 10

Wedecidethatyourvehicleisatotalloss.

Yourvehiclewasonly2monthsoldandlessthen2.5tonnes.Thecosttousofanewreplacementvehicleis$30,000.

Thereisanexcessof$500andyoucangetaregistrationandcompulsorythirdpartyinsurancerefundof$250.Newregistrationandcompulsorythirdpartyinsurancewillcost$850.YouarenotregisteredforGST.

we pay to replace the vehicle $30,850

($30,000 + $850)

you will pay us $750 ($500 + $250)

TheseClaimpaymentexamplesshowyouhowaclaimsettlementiscalculatedbaseduponsomepracticalscenarios.Anyclaimsettlementamountwilldependuponthefactsofeachcase.

44

Claimp

ay

mentexamples


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Indexalcoholanddrivers 24annual premium

creditprovidersrights 33


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Indexa

accessories seedenitionofyourvehicle 43

accidentdamage comprehensive 7 thirdpartyre&theft 15 thirdpartypropertydamage 19additionalcovers babycapsules&childseats 11 emergencyrepairs comprehensive 12 thirdpartyre&theft 18

hirecaraftertheftorattemptedtheft comprehensive 9 thirdpartyre&theft 17 newreplacementvehicle 10 personalitems 11 storagecosts comprehensive 10 thirdpartyre&theft 18 towing comprehensive 11

thirdpartyre&theft 17 thirdpartypropertydamage 19 trailerorcaravandamage 12ageexcess 28agreedvalue 42

annualpremium whathappensifyoudon'tpay 36attemptedtheft 7,15

b

babycapsules 11

basicexcess 28

c

cancellationofpolicy 38caravandamage 12changingvehicles 37changingpolicydetails 37childseats 11choiceofexcessdiscount 35choosingarepairer 29

claimpaymentexamples 44claimingunderyourpolicy 26claims 26 againstyou 20 howtomakeaclaim 26 repairingyourvehicle 29 vehiclecannotberepaired 31codes codeofpractice 39

motorvehicleinsuranceandrepairindustrycodeofconduct 30co-insureds 5complaintsprocedure 39comprehensiveinsurance 7cooling-offperiod 5

d

damagetoyourvehicle comprehensive 7 thirdpartyre&theft 15 thirdpartypropertydamage 19

denitions 42discounts 35drinkdriving 24driver 42drugsanddrivers 24

e

emergencyassistancewhentravelling 22emergencyrepairs comprehensive 12

thirdpartyre&theft 18excess age 28 basic 28 guide 28 special 28 whenitdoesapply 28 whenitdoesnotapply 28exclusionsfromcover

general 23 liability 21 thingsthatmayaffectcover 23

featuresandbenets 4Index

46

re comprehensive 7

hirecaroption 13howwesettleaclaim 29

motorvehicleinsuranceandrepairindustrycodeofconduct 30


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p thirdpartyre&theft 15reandtheft comprehensive 7 thirdpartyre&theft 15ood 7

g

generalexclusionsfromcover 23generalinsurancecodeofpractice 39giveawayyourvehicle 37glassdamage 7gst 5guaranteeofrepairs 30

h

helmetdamage 11helpline 22hirecar afteraccident 13 aftertheftorattemptedtheft comprehensive 9 thirdpartyre&theft 17 bond comprehensive 9

comprehensiveoptionalcover 13 thirdpartyre&theft 18 excess comprehensive 9 comprehensiveoptionalcover 13 thirdpartyre&theft 18

howweworkoutyourpremium 35

i

incident 42inputtaxcredits 32

insuredmotoristdamage 16k

keysofvehicle 8

l

legalrepresentation 21liability cover 20 exclusions 21

lifetimeguaranteeonrepairs 30locksofvehicle 8

m

makingchangestoyourpolicy 37maliciousact 7marketvalue 42mechanical,structural,electronicorelectricalfailures 23

mobilephones 11modications seedenitionofyourvehicle 43monthlyinstalments 5,36 whathappensifyoudon'tpayaninstalment 36

ymotorcyclehelmet 11multi-policydiscount 35

n

newreplacementvehicle 10

nominateyourownrepairer 29noclaimdiscount 35non-genuineparts 42nonpaymentofpremium annual 36 monthlyinstalments 36notices 38

o

optionsttedtovehicles

seedenitionofyourvehicle 43optionalcoversforcomprehensive, hirecar 13 windscreen 14

p

partsusedwhenrepairingyourvehicle 30payingpremiums whathappensifyoudon'tpay 36

annual 36 monthlyinstalment 36personalinformation 40-41personalitems 11policereporting 27policycoverage 6

Index

47

preferredrepairer 29premiums 5,36

comprehensive 9 thirdpartyre&theft 17

u

uninsured loss 22


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48

pprivacyofyourpersonalinformation 40-41

r

registrationvehicle 25repairingyourvehicle 29

repairs emergency comprehensive 12 thirdpartyre&theft 18 lifetimeguarantee 30 motorvehicleinsuranceandrepairindustrycodeofconduct 30

preferredrepairer 29replacingwithanewvehicleafteratotalloss 10

resolutionofcomplaints 39responsibilitiesofyou whenyouareinsuredwithus 25 whenyoumakeaclaim 27rightsofcreditproviders 33rust 25

s

sellingyourvehicle 37

settlingclaims 29specialconditions 5specialexcess 28specialmeaningwords 5stolenkeys 8stolenvehicles-hirecaroption

p ystoragecostsforvehicles comprehensive 10 thirdpartyre&theft 18storm 7substitutevehicle 43

liabilitycover 20 generalexclusions 23summaryofcovers 4sunroofdamage 7

t

theftorattemptedtheft comprehensive 7 thirdpartyre&theft 15 reportingtopolice 27

thingsthatmayaffectcover 23thirdpartyre&theftinsurance 15thirdpartypropertydamage insurance 19trailerdamage 12totallossofvehicle comprehensive 31 thirdpartyre&theft 31 thirdpartypropertydamage 32

towing comprehensive 11 thirdpartyre&theft 17 thirdpartypropertydamage 19typesofexcess 28typesofinsurance 6

uninsuredloss 22uninsuredmotoristdamage thirdpartyre&theft 16 thirdpartypropertydamage 19unlicenseddriver 24unrepaireddamage 25

v

vehicle-seedenitionofyourvehicle 43

w

windowglassdamage 7windscreendamage 7windscreenoption 14writtennotice 38

wordswithspecialmeaning 5 seedenitions 42

y

yearsofinsurance 35you-seedenition 43yourresponsibilities whenyouareinsuredwithus 25 whenyoumakeaclaim 27youruninsuredloss 22

yourvehicle 6 seedenition 43

Index


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This information in this booklet is current at the date of preparation. More up-to-date information may be available by calling 132 132or visiting nrma.com.au. We will give you a free paper copy of any updates if you request them. If it becomes necessary, we will issue asupplementary or replacement Product Disclosure Statement.This Product Disclosure Statement is dated 3 March 2009.2009


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This product is issued byInsurance Australia Limited ABN 11 000 016 722AFS Licence No. 227681 trading as NRMA Insurance388 George Street Sydney NSW 2000 G012973 03/09

ContactEnquiries and new business132 132

Claims131 123

Helpline132 900

Report insurance fraud1800 237 283

nrma.com.au

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Motor Policy Nsw