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QBE Insurance (Australia) Limited
Motor vehicleInsurance Product Disclosure Statement and Policy Wording
CONTENTS
3Introduction & welcome
3About this booklet
3Updating our PDS
4About QBE
4IMPORTANT INFORMATION
4Choose your type of cover
5Duty of disclosure
6Changes to the information you have given us
7You need to disclose all drivers
7Privacy Promise
9Your premium
1021 day cooling off period
10Dispute resolution
11The General Insurance Code of Practice
11Financial Claims Scheme
12POLICY WORDING
12Insurer
12Our agreement with you
12Your Policy
12Paying your premium
13Preventing our right of recovery
13Other party's interest
13Changing your Policy
14Policy comes to an end on total loss
14Definitions (The meaning of some words)
17Cover types
17Comprehensive
18Third party, fire and theft cover
18Third party only cover
19Standard benefits - cover we automatically include
29Agreed or market value (Comprehensive policies only)
30Optional benefits - extra cover you can purchase
35Legal liability - (Comprehensive, Third party fire and theft and Thirdparty only)
37When you are not insured
43Making a claim
Date of preparation: 7th December 2013Date effective: 7th December 2013QM4346-1213
1
47How GST affects any payments we make
48Repair information
49Replacement of damaged parts
49Excess. The amount you pay towards a claim
51How your Policy may be cancelled
2
Introduction & welcomeWe understand how important it is to be comfortable with your cover so weare glad you chose QBE to take care of your insurance. As the largestAustralian owned general insurer and reinsurer, we have been taking careof the insurance needs of Australians since 1886. Safe, strong and secure,you can be confident you’ve made a great choice.
Inside, you will find the information you need to know about your Policy. Weexplain what your Policy covers, information about discounts and excessesand importantly, how to make a claim. Remember, whether you call us fora quote, or to report a claim, or to change your details, you can rely on ourfriendly team to help you.
Please take the time to read through this booklet and if you have anyquestions or need more information, call us on 1300 734 728 or the phonenumber at the top of your Policy Schedule.
Thank you for making QBE your first choice.
About this bookletThis booklet is a Product Disclosure Statement (PDS) and is also the PolicyWording. Other documents may comprise the PDS and we will tell you if thisis the case in the relevant document.
This booklet has two (2) parts: Important Information to help you understandthe insurance, and the Policy Wording, which sets out terms and conditionof the cover provided. It is up to you to choose the cover you need. Anyadvice in this booklet is general in nature only and has not considered yourobjectives, financial situation or needs.You should carefully consider theinformation provided having regard to your personal circumstances to decideif it is right for you.
Updating our PDSWe may update the information contained in this PDS when necessary. Apaper copy of any updated information is available to you at no cost by callingus. We will issue you with a new PDS or a supplementary PDS, where theupdate is to rectify a misleading or deceptive statement or omission, whichis materially adverse from the point of view of a reasonable person decidingwhether to obtain or renew this insurance.
3
About QBEQBE Insurance (Australia) Limited is a member of the QBE Insurance Group(ASX: QBE). QBE Insurance Group is Australia’s largest international generalinsurance and reinsurance group, and one of the top 25 insurers andreinsurers worldwide. The company has been operating in Australia since1886 and continues to provide insurance solutions that are focused on theneeds of policyholders.
QBE is a respected name in Australian insurance, backed by sizeable assets,and well known as a strong and financially secure organisation.
IMPORTANT INFORMATIONThe information provided in this section includes high level information aboutthe options in cover you can choose from, as well as factors that affect thecost, our dispute resolution process, your duty of disclosure, cooling offrights, how to make a claim and other relevant information.
The Policy Wording section sets out the detailed terms, conditions andexclusions relating to the insurance.
If we issue you with a Policy, you will be given a Policy Schedule. The PolicySchedule sets out the specific terms applicable to your cover and should beread together with the Policy Wording.
The Policy Wording and Policy Schedule form your legal contract with us soplease keep them is a safe place for future reference.You should check thePolicy or Renewal Schedule when you receive it to ensure it accuratelystates what you have insured.
If you require further assistance or information about this product, pleasecontact the company you are buying this Policy through, contact QBE on1300 734 728.
Choose your type of coverYour QBE Policy insures you for an incident occurring in Australia.
You can choose the level of cover you need from the options available:
Comprehensive – covers accidental damage to your vehicle as well asdamage to third party property, or if your vehicle suffers damage froma fire or theft.Third party, fire & theft – only covers damage to your vehicle if it is aresult of fire or theft, as well as damage to third party property causedby you.Third party only cover – no cover for damage to your vehicle, cover onlyfor damage caused to the property of a third party.
4
Duty of disclosure
New business
What you must tell us
When answering our questions, you must be honest and you have a dutyunder the law to tell us anything known to you, and which a reasonableperson in the circumstances would include in answer to the questions. Wewill use the answers in deciding whether to insure you and anyone else tobe insured under this insurance and on what terms.
Who needs to tell us
It is important that you understand you are answering our questions in thisway for yourself and anyone else who is an insured under this insurance.
If you do not tell us
If you do not answer our questions in this way, we may reduce or refuse topay a claim, or cancel your insurance. If you answer our questionsfraudulently, we may refuse to pay a claim and treat the insurance as neverhaving worked.
Renewals, variations, extensions and reinstatements
Once your insurance is entered into and is no longer new business thenyour duty to us changes.You are required before you renew, vary, extendor reinstate your insurance, to tell us everything you know and that areasonable person in the circumstances could be expected to know, is amatter that is relevant to our decision whether to insure you, and anyoneelse to be insured under this insurance, and if so, on what terms.
You do not have to tell us about any matter:
that diminishes the risk to be undertaken by us;that is of common knowledge;that we know or should know or, in the ordinary course of our business,we ought to know;as to which compliance with your duty is waived by us.
Non-disclosure
If you fail to comply with your duty of disclosure, we may be entitled to reduceour liability under the insurance in respect of a claim or may cancel theinsurance.
If your non-disclosure is fraudulent, we may also have the option of avoidingthe insurance from its beginning.
5
You must disclose to us all previous claims
You are asked at the time you take out this insurance to give us full andcorrect details concerning any:
renewal or insurance policy declined, cancelled or refused, or whereany excess was imposed;claim refused by an insurer;claim made;criminal conviction or finding of guilt for an offence,
in relation to you and your family because any of these may affect thepremium and extent of insurance.
For example, we may be entitled to:
charge you an additional premium;impose (back-dated) restrictions including declining your insurance backto when this information should have been provided;decline to insure your building, contents or valuables;refuse a claim.
When renewing your Policy with us you must also advise us of any changesto your:
claims;insurance; orcriminal history.
We will notify you in writing of the effect a change may have on your renewal.
Changes to the information you have givenusIt is important to advise us of any charge to the information you have givenus, otherwise your QBE insurance may be affected. Changes would include:
a change to the ownership of your vehicle;a change of address;a change to the vehicle you wish to be insured by this Policy;a new regular driver of your vehicle;a modification to your vehicle;the addition of a non-standard accessory.
If you wish to insure any fitted non-standard accessory or modification, eachone must be advised to us for our acceptance, which we will confirm byissuing an alteration advice.
Please note that we may require you to pay an additional premium as aresult of any of these changes.
6
You need to disclose all driversYou are asked at the time you take out this insurance to give us full andcorrect details of all drivers who are likely to use your vehicle once a monthor more, including:
driving or riding related traffic offence, conviction or any loss of driverslicence;renewal or insurance policy declined, cancelled, refused, or where anyexcess was imposed;claim refused by an insurer;claim made;motor vehicle or motor cycle accident, theft or fire; andcriminal conviction or found guilty of an offence.
Any of these situations may affect the premium and extent of insurancecover provided. Providing this information may result in:
an additional premiuma particular driver being declined insurance cover;a claim being refused.
When renewing your QBE Policy with us you must also advise us of anychanges to the driving, claims, insurance or criminal history of all drivers.We will notify you in writing of the effect such changes may have on yourrenewal.
Privacy PromiseAll companies in the QBE Group are committed to safeguarding your privacyand the confidentiality of your personal information. QBE collects only thatpersonal information from or about you for the purpose of assessing yourapplication for insurance and administering your insurance policy, includingany claim made by you. QBE will only use and disclose your personalinformation for a purpose you would reasonably expect.We will request yourconsent for any other purpose.
Without this personal information we may not be able to issue insurancecover, administer your insurance or process your claim. Our aim is to alwayshave accurate and up-to-date information. When you receive a PolicySchedule, Certificate of Insurance, Renewal or other document from us, youshould contact us if the information is not correct.
QBE uses the services of a related company located in the Philippines toprovide Call Centre sales and claims handling, accounting and administrationservices to QBE in Australia.
QBE or our authorised agent may collect or disclose your personalinformation from or to:
any person authorised by you;a mail house, records management company or technology servicesprovider (for printing and/or delivery of mail and email, including secure
7
storage and management of our records). These companies may belocated or the records stored using 'Cloud' technology overseas,including in India, Ireland, USA or the Netherlands;a financier whose name appears on your Policy Schedule (for thepurpose of confirming the currency of your Policy or when you have aclaim and the insured property is a total loss, to confirm if the financierhas a current interest);an organisation that provides you with banking facilities (for the purposeof arranging direct debit or other payment transactions or confirmingpayments made by you to us);a financial services provider or our agent who is arranging your insurance(for the purpose of confirming your personal and insurance details);another person named as a co-insured on your Policy (for the purposeof confirming if full disclosure has been made to us);another insurer (to obtain confirmation of your no claim bonus or toassess insurance risks or to assist with an investigation);our reinsurer that may be located overseas (for the purpose of seekingrecovery from them);a dispute resolution organisation such as the Financial OmbudsmanService (for the purpose of resolving disputes between QBE and youor between QBE and a third party);a company to conduct surveys on our behalf for the purpose of improvedcustomer services; andan insurance reference bureau (to record any claims you may makeupon us).
In addition to the above, in the event of a claim, QBE or our authorised agentmay disclose your personal information:
to a repairer or supplier (for the purpose of repairing or replacing yourinsured items);to an investigator, assessor (for the purpose of investigating or assessingyour claim);to a lawyer or recovery agent (for the purpose of defending an actionby a third party against you or recovering our costs including your excessor seeking a legal opinion regarding the acceptance of a claim);to a witness to a claim (for the purpose of obtaining a witness statement);to another party to a claim (for the purpose of obtaining a statementfrom them or seeking recovery from them or to defend an action by athird party).
Personal information (about you) may also be obtained from the abovepeople or organisations.
In addition we will:
give you the opportunity to find out what personal information we holdabout you and when necessary, correct any errors in this information.Generally we will do this without restriction or charge; andprovide our dispute resolution procedures to you, should you wish tocomplain about how we handle your personal information.
8
To obtain further information about our Privacy Policy or to request accessto or correct your personal information, please email:[email protected] make a complaint email: [email protected].
Your premiumWhat is premium?
Premium means any amount we require you to pay under the Policy andincludes government charges.
You pay the premium - We insure you
Provided we receive the premium, we will insure you as set out in this Policyand the Policy Schedule in respect of an incident occurring during the periodof insurance. When you apply for this insurance, you will be advised of thepremium. If you choose to effect cover, the amount will be set out in thePolicy Schedule.
How your premium is calculated
We take various factors into consideration when calculating your premiumincluding:
the sum(s) insured;the type of cover you have chosen;the year, make and model of the vehicle being insured;your residential address;any no claim discount to which you may be entitled;the age of the main driver and any other drivers, as well as their drivingand insurance history;the cost of any optional benefits you have selected;the level of excess you choose to pay;the frequency with which you choose to pay your premium.
Ways to reduce your premium
You may be eligible for the following discounts we offer:
No Claim Bonus
No Claim Bonus is a premium discount awarded for not making a claim.A No Claim Bonus discount increases each year that you remain claimfree until you reach our maximum discount. Based on the claims lodgedduring the period of insurance, your Policy’s No Claim Bonus will beadjusted when you renew your Policy and this can either:
increase (up to our maximum No Claim Bonus),decrease, orremain the same.
9
If your vehicle is involved in an incident your No Claim Bonus will notbe affected if we decide the incident was not your fault and you provideus with the name, current residential address and vehicle registrationof the person who caused the event.
If you make a claim and we decide that you are at fault, your No ClaimBonus will be affected and may be reduced when you renew your Policy.
Multi Policy Discount
If this Policy insures your vehicle and you also hold a buildings and/orcontents policy through the same financial institution, we may provideyou with a multi policy discount.You may also be entitled to the samediscounts on other household insurance products. For more information,contact your financial institution.
Security Discounts
If you have fitted extra security devices to your vehicle then you maybe eligible for a discount. This will depend upon the type of securitydevices you have fitted.
Other ways you can help reduce your premium:
Choose a higher excess
You can choose a higher excess for a reduced premium.Your PolicySchedule will indicate the excess applicable in the event of a claim.Please refer to ‘Your excess’ for more information on excess options.
21 day cooling off periodIf you want to return your insurance after your decision to buy it, you maycancel it and receive a full refund. To do this we must receive your requesteither in writing or via email: [email protected] within twenty one (21) daysof its commencement.
This cooling off right does not apply if you have made or are entitled to makea claim. Even after the cooling off period ends, you still have cancellationrights. However, we may deduct certain amounts from any refund (see 'Howyour Policy may be cancelled – Refund of premium').
Dispute resolutionWe will do everything possible to provide a quality service to you. However,we recognise that occasionally there may be some aspect of our service ora decision we have made that you wish to query or draw to our attention.We have a complaints and dispute resolution procedure which undertakesto provide an answer to your complaint within fifteen (15) working days.
If you would like to make a complaint or access our internal dispute resolutionservice please contact your nearest QBE office and ask to speak to a disputeresolution specialist. If you are not happy with our answer, or we have taken
10
more than fifteen (15) working days to respond, you may take your complaintto the Financial Ombudsman Service (FOS), an ASIC approved externaldispute resolution body.
FOS resolves certain insurance disputes between consumers and insurersand will provide an independent review at no cost to you. QBE is bound bythe determination of FOS but the determination is not binding on you.
The General Insurance Code of PracticeQBE Insurance (Australia) Limited is a signatory to the General InsuranceCode of Practice.
The Code aims to:
promote more informed relations between insurers and their customers;improve consumer confidence in the general insurance industry;provide better mechanisms for the resolution of complaints and disputesbetween insurers and their customers; andcommit insurers and the professionals they rely upon to higher standardsof customer service.
Financial Claims SchemeThis Policy is a protected policy under the Financial Claims Scheme (FCS),which protects certain insureds and claimants in the event of an insurerbecoming insolvent. In the unlikely event of QBE becoming insolvent youmay be entitled to access the FCS, provided you meet the eligibility criteria.
More information may be obtained from APRA - www.apra.gov.au or1300 55 88 49.
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POLICY WORDING
InsurerThis Policy is underwritten by QBE Insurance (Australia) LimitedABN 78 003 191 035, AFS Licence No. 239545 of 82 Pitt Street, SydneyNSW 2000.
Our agreement with youThis Policy is a legal contract between you and us.You pay us the premiumand we provide you with the cover you have chosen as set out in the Policy,occurring during the period of insurance shown on your Policy Schedule orany renewal period.
The limits of cover applying to the cover selected by you and the amount ofany excess that applies to your Policy, is shown on your Policy Schedule.
Your PolicyYour Policy consists of the Policy Wording in this booklet and the PolicySchedule we give you. Please keep them in a safe place for future reference.
Please check the Policy Schedule details to ensure it accurately states whatyou have insured. Be sure to check that the sum insured for the variousareas of cover are adequate.
If you need any further information about any part of your Policy, please askus or your financial services provider.
Paying your premiumAnnual premium
Paying your premium on time is important because it affects your insurance.If you are paying your premium annually in one payment, and you have notpaid by the due date or your payment is dishonoured, this Policy will notoperate and there will be no cover.
Instalment payments
If you are paying your premium by instalments, we will specify on your PolicySchedule when we will deduct the first instalment. Thereafter, instalmentpayments will be debited on the date or frequency you have nominated. Ifyou are paying your premium in instalments by direct debit from your creditcard or financial institution account, you must tell us if these details changeno later than seven (7) days before your next instalment is due. We will notpay a claim under this Policy if, at the time the claim occurred, any premiuminstalment has remained unpaid for one (1) month or more.
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If any instalment of premium has remained unpaid for one (1) month, wemay cancel this Policy. However, we will send you a notice confirming theaction we intend to take and when any cancellation will become effective.
At renewal
If you have been paying your premium by instalment, we will continue todeduct instalments for your Renewal Policy on the same day of the monthat the new premium level unless you tell us otherwise.
If any instalment of premium has remained unpaid for one (1) month, we willcancel this Policy. We will send you a reminder setting out our intention totake two (2) instalments on the next payment date. If payment is not receivedafter this reminder, we will send you a notice telling you of the date the Policywill cease unless payment is received.We send a notice to confirm the Policyhas been cancelled.
Adjustment of premium on renewal
If a claim occurs in the previous period of insurance and you do not notifyus until after the premium for the current period of insurance was calculated,then you must pay any additional premium that would have been calculatedhad you told us about the claim on the day that the claim occurred. Thiscondition does not affect any other rights that we have, including the rightsthat we have under 'Your duty of disclosure'.
If your payment details change
If the direct debit arrangements you use to pay by instalment changes, suchas you are issued a new credit card or change your bank arrangements, youmust tell us. You should do this at least seven (7) days in advance of yournext payment date.
Preventing our right of recoveryIf you have agreed not to seek compensation from another person who isliable to compensate you for any loss, damage or liability which is coveredby this Policy, we will not cover you under this Policy for that loss, damageor liability.
Other party's interestYou must tell us of the interest of all parties (e.g. financiers) who will becovered by this insurance. We will protect their interests only if you havetold us about them and we have noted them on your Policy Schedule.
Changing your PolicyIf you want to make a change to this Policy, the change becomes effectivewhen:
we agree to it; andwe give you a new Policy Schedule detailing the change.
13
Policy comes to an end on total lossIf you have a claim that results in QBE declaring you have a total loss, thePolicy terms have been met by QBE and the Policy comes to an end.
If you paid an annual premium no refund is due to you.
If you were paying by instalments, we will deduct the premium outstandingfor the period of insurance from our settlement payment to you.
Definitions (The meaning of some words)Some words and expressions in this Policy have a specific meaning whichis given below.
MeaningWord or term
the amount shown on your Policy Schedule wehave agreed to insure your vehicle for.
Agreed value
a licence or permit to drive that is in force and heldby you or an insured person at the time of theincident and is current for the class of your vehicle.
Driving licence
spouse or partner, a parent, grandparent, brother,sister, child or grandchild (including in each casehalf, step, or adopted relationships) of an insuredperson.
Family
the person or entity with a security interest in yourvehicle.
Financier
any event which results in a claim on this Policy.Incident
you and any other person who has your permissionto drive your vehicle.
Insured person
the cash purchase price of a vehicle of the sameage, type and condition, in your local area, butexcluding costs and charges for registration, stamp
Market value
duty transfer and any dealer warranty costs. Toassist in determining the market value we may alsouse 'The Red Book' price guide, 'Glass's DealerGuide' or other available information.
any alteration to your vehicle’s standard body,interior, engine, suspension, wheels, tyres orpaintwork which could affect its value, safety,performance or appearance.
Modification
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MeaningWord or term
There is no cover for any modification that is notshown on your Policy Schedule. Modifications notinsured could include; mag or alloy wheels, wideor special tyres, a fairing, a spoiler, an air scoop,special paintwork, decals, murals, a pop-top,campervan fittings, a rally-pack, LP gas conversion,a turbo conversion, a sun-roof.
any fitted items owned by you, which are not astandard accessory fitted to the model of yourvehicle. Examples can include a:
Non-standardaccessory
blue tooth kit, sunroof, mag wheels, bull baror permanently fixed global positioning system(GPS);audio visual equipment;rear parking sensors.
There is no cover for any fitted non-standardaccessory unless it is shown on your PolicySchedule.
essential daily items such as clothes, glasses andluggage. Personal items do not include:
Personal items
mobile phones, portable Global PositioningSystems and electronic devices;cash, cheques, credit cards and negotiableinstruments;tools of trade.
any amount we require you to pay under the Policyand includes government charges.
Premium
any child’s booster seat, baby capsule or fireextinguisher owned by you.
Removable safetyequipment
Schedule the Policy Schedule; orthe renewal notice you have paid; orthe alteration advice sent to you.
Important note:You should check to ensure thatall the information is correct in the Policy Schedule.If anything is wrong, contact us immediately.
means a security interest as defined in section 12of the Personal Property Securities Act 2009 (Cth).
Security interest
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MeaningWord or term
any item included in the standard configuration ofa particular vehicle make and model. They do noteffect the performance of the vehicle, examplescan include:
Standardaccessories
air conditioning;headlight protectors;floor mats.
Standard accessories are automatically insured aspart of the vehicle and therefore are not requiredto be specified.
either agreed value or market value as shown onthe Policy Schedule.
Sum insured
when we determine that repairs to your vehicle areuneconomical and includes where the repair costsand salvage value when added together are likelyto exceed the sum insured of your vehicle.
Total loss
use of your vehicle for one (1) of the following:Use
private use, which means for:social, domestic, pleasure purposes andtravel to and from work; plusa small amount of time being spent usingyour vehicle for business or work purposes;
business use, which means for:private use; plusthe majority of normal working hours beingspent using your vehicle for business orwork purposes;
commercial use, which means for:private use; plususe in a business:
where your vehicle is licensed for thecarriage of goods; oras a primary producer.
Important note: Insurance is limited for some typesof business or commercial use. Please refer to'When you are not insured - The use of yourvehicle'.
QBE Insurance (Australia) LimitedABN 78 003 191 035.
We, our and us
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MeaningWord or term
the person(s) named in the Policy Schedule as theinsured.
You and your
a registered trailer owned by you or in your or aninsured person’s possession, custody or controlwhich can be legally towed by your vehicle,including a boat trailer, a camper trailer, a caravantrailer or any other trailer.
Your trailer
Refer to standard benefits on page 23 for theinsurance we provide on a single axle box trailer.
the registered motor vehicle owned by you whichis described in the Policy Schedule including:
Your vehicle
standard accessories and removable safetyequipment; plusany fitted non-standard accessory ormodification, as shown in the Policy Schedule.
Also included is:
a replacement motor vehicle if insured by usunder the change of vehicle benefit;a substitute vehicle as described under 'Drivinganother vehicle' (page 36);your trailer for the purpose of the insuranceexclusions under 'When you are not insured'(page 37).
Cover typesYou can select one (1) of the following QBE cover types:
Comprehensive; orThird party, fire and theft; orThird party only.
The type of cover you have selected will be noted on your Policy Schedule.
ComprehensiveThis Policy is designed to cover you for theft or damage to the insured vehiclewhich occurs during the period of insurance up to the amount of the suminsured or other specified maximum limit. We also cover your (and certainother person’s we specify) legal liability as a result of damage caused toanother persons property by your vehicle up to the limit shown on your PolicySchedule.
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Driver option for comprehensive cover
30 plus nominated driver comprehensive cover
If you choose this option, we will calculate your premium on the basis thatyour car will be driven by no more than two (2) nominated drivers who arethirty (30) years of age or over. The drivers you nominate will be listed onyour Policy Schedule.
The cover provided by this Policy is restricted to your vehicle being drivenby an insured person (as shown on your Policy Schedule) who;
(a) is thirty (30) years of age and over, and;(b) holds a current driving licence.
If at the time of the incident your vehicle is being driven by a person otherthan an insured person (a nominated driver as shown on your PolicySchedule), you will have to contribute towards the cost of the incident bypaying us an undeclared driver excess, as shown on the Policy Schedule.
The undeclared driver excess will not be applied where you can prove to usthat your vehicle was driven:
(i) without your consent;(ii) by a person, in the motor trade who was servicing or repairing it, or
was an attendant parking it, or who used it because a serious medicalemergency had arisen.
In these circumstances you will have to pay all the excesses which wouldnormally apply to the Policy.
Third party, fire and theft coverThird party, fire and theft provides insurance for your legal liability as a resultof damage caused to another person's property by your vehicle up to thelimit shown on your Policy Schedule. This Policy does not cover loss to yourvehicle except in the event that the damage to your vehicle was caused byor arising from fire, theft or attempted theft or in the circumstances describedunder the uninsured motorist benefit in the standard benefits section in thisPolicy on page 25.
Third party only coverThird party only cover provides insurance for your legal liability as a resultof damage caused to another person’s property by your vehicle up to thelimit shown on your Policy Schedule. This Policy does not cover damage toyour vehicle except in the circumstances described under the uninsuredmotorists benefit noted under the standard benefits section in this Policy onpage 25.
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Sta
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clud
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ust a
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r yo
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We
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rer
info
rmat
ion
on p
age
48).
19
Th
ird
par
ty o
nly
Th
ird
par
tyfi
re &
th
eft
Co
mp
reh
ensi
veD
escr
ipti
on
Ben
efit
We
will
pay
a m
axim
um o
f $50
0 fo
r es
sent
ial t
empo
rary
rep
airs
toal
low
you
r ve
hicl
e to
be
driv
en im
med
iate
ly a
fter
the
inci
dent
.E
ssen
tial
tem
pora
ryre
pairs
If yo
ur v
ehic
le is
sto
len
and
we
agre
e th
at it
is n
eces
sary
for
you
to h
ire a
noth
er v
ehic
le, w
e w
ill r
eim
burs
e yo
u th
e re
ason
able
dai
lyco
st o
f hiri
ng a
veh
icle
sim
ilar
to y
our
vehi
cle:
Hire
car
follo
win
g a
thef
t
from
a h
irer
we
appr
ove;
until
the
time
that
you
r ve
hicl
e is
foun
d, b
ut fo
r no
mor
e th
anfo
urte
en (
14)
days
;up
to a
max
imum
of $
1,00
0; o
run
til y
our
clai
m is
pai
d;
whi
ch e
ver
happ
ens
first
.
You
mus
t pro
duce
the
hire
car
rec
eipt
s.W
e w
ill n
ot p
ay fo
r fu
el o
ran
y ot
her
char
ges.
20
Th
ird
par
ty o
nly
Th
ird
par
tyfi
re &
th
eft
Co
mp
reh
ensi
veD
escr
ipti
on
Ben
efit
If yo
ur v
ehic
le c
anno
t be
driv
en a
s a
resu
lt of
an
inci
dent
, we
will
reim
burs
e yo
u up
to $
50 fo
r ex
pens
es in
curr
ed b
y yo
u an
doc
cupa
nts
of y
our v
ehic
le to
retu
rn d
irect
ly to
you
r hom
e.Yo
u m
ust
have
rec
eipt
s to
sub
stan
tiate
you
r cl
aim
.
Trav
ellin
gex
pens
es
If yo
ur v
ehic
le is
dam
aged
, and
we
have
acc
epte
d th
e cl
aim
, we
will
pay
the
reas
onab
le c
ost o
f rem
oval
to th
e ne
ares
t rep
aire
r or
plac
e of
saf
ety
or to
ano
ther
pla
ce w
e ha
ve a
utho
rised
.
Tow
ing
cost
s
We
will
cov
er u
p to
$50
0 fo
r pe
rson
al it
ems,
as
defin
ed o
n pa
ge15
, dam
aged
in y
our
vehi
cle
as a
res
ult o
f an
acci
dent
whe
re w
eha
ve a
ccep
ted
your
cla
im, e
xclu
ding
any
cla
ims
for
thef
t and
or
atte
mpt
ed th
eft.
Per
sona
l ite
ms
If th
e ke
ys to
you
r ve
hicl
e ha
ve b
een
stol
en, a
nd w
e ac
cept
you
rcl
aim
, we
will
pay
for
the
repl
acem
ent o
f you
r ve
hicl
e’s
keys
and
if ne
cess
ary,
the
re-c
odin
g of
you
r veh
icle
’s lo
cks
up to
a m
axim
umof
$1,
000
afte
r de
duct
ion
of y
our
basi
c P
olic
y ex
cess
.
Rep
lace
men
tof
key
s an
dre
codi
ng o
flo
cks
21
Th
ird
par
ty o
nly
Th
ird
par
tyfi
re &
th
eft
Co
mp
reh
ensi
veD
escr
ipti
on
Ben
efit
To b
e en
title
d to
this
ben
efit
the
thef
t of t
he k
eys
need
s to
hav
ebe
en re
port
ed to
the
Pol
ice,
and
the
keys
wou
ld n
eed
to h
ave
been
stol
en b
y so
meo
ne o
ther
than
you
, a m
embe
r of
you
r fa
mily
,an
othe
r pe
rson
who
res
ides
with
you
or
som
eone
invi
ted
to y
our
plac
e of
res
iden
ce.
Cov
er u
nder
this
ben
efit
does
not
ent
itle
you
to a
cla
im fo
r a
rent
alve
hicl
e or
any
oth
er a
dditi
onal
ben
efit.
If yo
u ar
e m
ore
than
100
kms
away
from
hom
e an
d yo
ur v
ehic
leca
n no
t be
safe
ly d
riven
as
a re
sult
of a
n in
cide
nt c
over
ed b
y th
isP
olic
y, w
e w
ill r
eim
burs
e yo
u up
to $
500
for
the
cost
of e
ssen
tial
Em
erge
ncy
acco
mm
odat
ion
and
tran
spor
tco
sts
tem
pora
ry a
ccom
mod
atio
n (r
oom
rent
al o
nly)
and
tran
spor
t for
you
and
the
occu
pant
s of
you
r ve
hicl
e.Yo
u m
ust h
ave
rece
ipts
tosu
bsta
ntia
te y
our
clai
m.
If yo
ur v
ehic
le is
a to
tal l
oss,
we
will
pro
vide
you
with
a re
plac
emen
tve
hicl
e of
the
sam
e m
ake
and
mod
el o
r ne
ares
t equ
ival
ent i
n th
em
arke
t at t
he ti
me
of lo
ss if
the
mod
el h
as b
een
supe
rsed
ed,
prov
ided
:
Rep
lace
men
tve
hicl
e
you
are
the
orig
inal
ow
ner
and
have
insu
red
your
veh
icle
with
us fr
om n
ew; a
nd
22
Th
ird
par
ty o
nly
Th
ird
par
tyfi
re &
th
eft
Co
mp
reh
ensi
veD
escr
ipti
on
Ben
efit
your
veh
icle
is le
ss th
an tw
o (2
) yea
rs o
ld a
nd h
as b
een
driv
enle
ss th
an 2
0,00
0km
s; a
ndyo
ur v
ehic
le w
as o
rigin
ally
insu
red
for
the
purc
hase
pric
e.
If yo
ur tr
aile
r is
a s
ingl
e ax
le b
ox tr
aile
r, w
e w
ill p
ay fo
r th
e co
st o
fre
pairs
or
repl
acem
ent u
p to
a li
mit
of $
1,00
0 if
it is
sto
len
orda
mag
ed w
hen
atta
ched
to y
our
vehi
cle.
Trai
ler
cove
r
Impo
rtan
t not
es:
the
insu
ranc
e is
lim
ited
to a
sin
gle
axle
box
trai
ler,
not
am
ultip
le a
xle
trai
ler;
cont
ents
of a
trai
ler
are
not i
nsur
ed b
y th
is P
olic
y.
If yo
u m
ake
a cl
aim
for
acci
dent
al b
reak
age
or d
amag
e to
you
rve
hicl
e’s
win
dscr
een
or w
indo
w g
lass
you
will
be
requ
ired
to p
ayth
e st
anda
rd e
xces
s sh
own
on y
our
Pol
icy
Sch
edul
e.
Win
dscr
een
cove
r
Cla
ims
for
acci
dent
al b
reak
age
or d
amag
e to
you
r w
inds
cree
n or
win
dow
gla
ss w
ill n
ot im
pact
on
your
no
clai
m b
onus
. QB
E's
win
dscr
een
cove
r en
sure
s th
at n
o ex
cess
is p
ayab
le w
here
the
exis
ting
win
dscr
een
or w
indo
w g
lass
is r
epai
red.
23
Th
ird
par
ty o
nly
Th
ird
par
tyfi
re &
th
eft
Co
mp
reh
ensi
veD
escr
ipti
on
Ben
efit
Sho
uld
you
wis
h to
pur
chas
e ad
ditio
nal w
inds
cree
n pr
otec
tion
plea
se s
ee th
e 'E
xces
s-fr
ee w
inds
cree
n an
d w
indo
w g
lass
prot
ectio
n' o
ptio
n on
(pa
ge 3
2.)
Not
e: F
or th
e pu
rpos
es o
f thi
s be
nefit
'Bre
akag
e' m
eans
a fr
actu
reth
at e
xten
ds th
roug
h th
e en
tire
thic
knes
s of
the
glas
s or
whe
re th
ew
inds
cree
n is
lam
inat
ed, a
frac
ture
that
ext
ends
thro
ugh
all l
ayer
sof
the
win
dscr
een.
unin
sure
dm
otor
ist
bene
fit o
nly
If yo
u liv
e ov
er 1
00km
from
the
plac
e w
here
we
auth
oris
e yo
urre
pairs
to b
e do
ne, w
e w
ill p
ay th
e re
ason
able
cos
t of r
e-de
liver
yof
you
r ve
hicl
e to
you
r ho
me,
to a
lim
it of
$50
0.
Re-
deliv
ery
cost
s
Fol
low
ing
an in
cide
nt in
volv
ing
your
veh
icle
, we
will
als
o pa
y fo
rth
e co
st o
f sto
len
or d
amag
ed to
ols
owne
d by
you
car
ried
for
use
on y
our
vehi
cle
(add
ition
al to
thos
e su
pplie
d by
the
man
ufac
ture
r)to
a li
mit
of $
50, p
rovi
ded
the
tool
s ar
e no
t use
d in
con
nect
ion
with
your
trad
e or
occ
upat
ion.
Veh
icle
tool
s
24
Th
ird
par
ty o
nly
Th
ird
par
tyfi
re &
th
eft
Co
mp
reh
ensi
veD
escr
ipti
on
Ben
efit
If an
insu
red
or n
omin
ated
driv
er s
usta
ins
a fa
tal i
njur
y, w
ithin
twel
ve (
12)
mon
ths
of a
nd a
s a
resu
lt of
an
inci
dent
cov
ered
by
this
Pol
icy
we
will
pay
$2,
500
to th
e de
ceas
ed’s
est
ate.
Fata
lity
cove
r
If yo
u se
ll or
oth
erw
ise
disp
ose
of y
our
vehi
cle,
oth
er th
an w
hen
itis
a to
tal l
oss
clai
m th
at is
acc
epte
d by
us,
we
will
insu
re y
our n
ewly
acqu
ired
vehi
cle
unde
r th
is P
olic
y if:
Cha
nge
ofve
hicl
e
you
acqu
ire y
our
new
veh
icle
with
in fo
urte
en (
14)
days
of t
hedi
spos
al o
f you
r ve
hicl
e; a
ndyo
u gi
ve u
s de
tails
of t
he n
ew v
ehic
le w
ithin
that
tim
e; a
ndw
e ag
ree
to in
sure
it a
nd y
ou p
ay a
ny e
xtra
pre
miu
m w
ere
quire
.
If yo
ur v
ehic
le is
acc
iden
tally
dam
aged
in a
col
lisio
n w
ith a
noth
erve
hicl
e w
here
we
agre
e th
at th
e ot
her
driv
er is
100
% a
t fau
lt, a
ndw
e ag
ree
that
the
owne
r of
the
vehi
cle
or th
e ot
her
driv
er h
as n
o
Uni
nsur
edm
otor
ist b
enef
it
$5,0
00lim
itap
plie
s$5
,000
lim
it ap
plie
sin
sura
nce
cove
ring
dam
age
to th
e pr
oper
ty o
f a th
ird p
arty
, we
will
,at
our
opt
ion,
eith
er re
pair
your
veh
icle
to it
s co
nditi
on im
med
iate
lypr
ior t
o th
e tim
e of
loss
or p
ay y
ou th
e co
st o
f rep
airs
to y
our v
ehic
le
25
Th
ird
par
ty o
nly
Th
ird
par
tyfi
re &
th
eft
Co
mp
reh
ensi
veD
escr
ipti
on
Ben
efit
resu
lting
from
acc
iden
tal l
oss
or d
amag
e to
you
r veh
icle
, pro
vide
d:
you
can
tell
us th
e re
gist
ratio
n nu
mbe
r of t
he o
ther
veh
icle
and
the
nam
e an
d ad
dres
s of
the
driv
er o
f the
oth
er v
ehic
le; a
ndat
the
time
of th
e lo
ss o
r da
mag
e th
e ot
her
vehi
cle
was
not
owne
d or
reg
iste
red
in y
our
nam
e or
in th
e na
me
of a
per
son
who
is a
rel
ativ
e of
you
rs o
r an
y pe
rson
with
who
m y
ouor
dina
rily
live.
The
max
imum
am
ount
we
will
pay
und
er th
is b
enef
it fo
r al
l cla
ims
from
any
one
(1)
acc
iden
t or
serie
s of
acc
iden
ts a
risin
g ou
t of t
heon
e ca
use
or e
vent
is th
e le
sser
of $
5,00
0 an
d th
e m
arke
t val
ueof
you
r ve
hicl
e at
the
time
of th
e lo
ss o
r da
mag
e. If
we
pay
you
the
mar
ket v
alue
of y
our
vehi
cle,
then
you
r ve
hicl
e in
its
dam
aged
cond
ition
will
bec
ome
our
prop
erty
.
Not
e:T
he $
5,00
0 lim
it do
es n
ot a
pply
to c
ompr
ehen
sive
pol
icie
s.
Whe
re:
Fin
ance
gap
cove
ryo
ur v
ehic
le is
dec
lare
d a
tota
l los
s; a
nd
26
Th
ird
par
ty o
nly
Th
ird
par
tyfi
re &
th
eft
Co
mp
reh
ensi
veD
escr
ipti
on
Ben
efit
your
veh
icle
is s
ubje
ct to
a fi
nanc
e ag
reem
ent t
hrou
gh a
finan
cial
inst
itutio
n, d
irect
ly r
elat
ing
to th
e pu
rcha
se o
f the
insu
red
vehi
cle;
and
the
outs
tand
ing
bala
nce
of y
our
finan
ce a
gree
men
t les
s an
yar
rear
s ex
ceed
s yo
ur v
ehic
les
sum
insu
red.
We
will
pay
:
the
diffe
renc
e be
twee
n th
e to
tal l
oss
amou
nt a
nd th
e am
ount
to p
ayou
t the
fina
nce
agre
emen
t up
to a
max
imum
of 2
5% o
fyo
ur v
ehic
les
sum
insu
red.
Pro
vide
d:
the
bene
fit v
alue
and
tota
l los
s am
ount
do
not e
xcee
d th
eam
ount
out
stan
ding
on
your
fina
ncia
l agr
eem
ent;
that
any
pay
men
t ove
r th
e ag
reed
tota
l los
s am
ount
doe
s no
tin
clud
e an
y am
ount
s in
arr
ears
at t
he ti
me
of th
e lo
ss;
27
Th
ird
par
ty o
nly
Th
ird
par
tyfi
re &
th
eft
Co
mp
reh
ensi
veD
escr
ipti
on
Ben
efit
that
any
add
ition
al p
aym
ent o
ver
and
abov
e th
e ag
reed
tota
llo
ss a
mou
nt w
ill in
clud
e an
y di
scou
nts
appl
icab
le fo
r fu
llpa
ymen
t of t
he fi
nanc
ial c
ontr
act;
your
veh
icle
was
not
sub
ject
to r
epla
cem
ent c
over
und
er th
isP
olic
y (s
ee p
age
22 a
nd p
age
32 fo
r m
ore
info
rmat
ion
onre
plac
emen
t cov
er).
We
cove
r you
r leg
al li
abili
ty to
pay
for t
he c
lean
ing
up o
f any
deb
risof
you
r ve
hicl
e fo
llow
ing
an a
ccid
ent.
Afte
r ac
cide
ntcl
eanu
p
The
max
imum
am
ount
we
will
pay
is $
1,00
0 fo
r an
y on
e (1
)ac
cide
nt.
We
will
cov
er y
our
lega
l lia
bilit
y as
a r
esul
t of d
amag
e ca
used
toan
othe
r pe
rson
s pr
oper
ty b
y yo
ur v
ehic
le u
p to
the
limit
show
n on
your
Pol
icy
Sch
edul
e. (F
or fu
ll de
tails
see
lega
l lia
bilit
y in
form
atio
non
pag
e 35
.)
Lega
l lia
bilit
y
= c
over
ed
=
not
cov
ered
28
Agreed or market value (Comprehensivepolicies only)If you have a QBE Comprehensive Policy, you can choose which type ofsum insured you prefer, either market value or agreed value.The sum insuredfor your nominated vehicle is shown on the Policy Schedule:
Market value – at the time of an incident or total loss we will pay up tothe market value for your vehicle (please refer to definitions on page 14for the meaning of 'Market value').Agreed value – at the time of an incident or total loss we will pay up tothe value we have agreed to insure your vehicle for during the periodof insurance.This amount will be shown on your Policy Schedule. (pleaserefer to definitions on page 14 for the meaning of 'Agreed value').
The legal liability cover insures you up to a set limit of liability shown on thePolicy Schedule.
Specific limits may apply to other property you want to insure, or to benefitswe may pay. Please refer to your Policy Schedule and the standard benefitslisted on page 28.
Excesses may apply. See payment of excesses on page 49.
You need to make sure you are happy with both your sum(s) insured andrelevant limits that apply.This is important because, if you are underinsured,you may have to bear the uninsured proportion of any loss yourself.
29
Op
tio
nal
ben
efit
s -
extr
a co
ver
you
can
pu
rch
ase
All
optio
nal c
over
s if
sele
cted
and
acc
epte
d by
us
will
be
show
n on
you
r P
olic
y S
ched
ule.
The
se c
over
s ar
e on
ly a
vaila
ble
to c
ompr
ehen
sive
polic
yhol
ders
and
will
res
ult i
n an
add
ition
al p
rem
ium
pay
able
.
Th
ird
par
tyo
nly
Th
ird
par
tyfi
re &
th
eft
Com
preh
ensi
veD
escr
ipti
on
Op
tio
n
If yo
u se
lect
this
opt
ion
and
your
veh
icle
is in
volv
ed in
an
inci
dent
that
isco
vere
d un
der
this
Pol
icy,
and
we
have
agr
eed
to p
ay y
our
clai
m, w
e w
illre
imbu
rse
you
for
the
cost
s yo
u in
cur
hirin
g a
car
whi
le y
our
vehi
cle
is b
eing
repa
ired
or if
dee
med
a to
tal l
oss.
Hire
car
afte
rac
cide
nt
We
will
rei
mbu
rse
you
an a
mou
nt u
p to
the
max
imum
dai
ly r
ate
as s
how
non
you
r P
olic
y S
ched
ule:
for
a m
axim
um o
f fou
rtee
n (1
4) d
ays;
or
until
you
r ve
hicl
e is
rep
aire
d; o
run
til w
e pa
y yo
ur c
laim
;
whi
chev
er h
appe
ns fi
rst.
The
cov
er w
ill c
omm
ence
on
the
date
you
r ve
hicl
e is
take
n to
the
repa
irer.
You
will
nee
d to
org
anis
e an
d pa
y fo
r th
e hi
re c
ar.W
e ar
e no
t res
pons
ible
for
ensu
ring
that
a h
ire c
ar is
ava
ilabl
e.Yo
u m
ust a
lso
give
us
a co
py o
f the
30
Th
ird
par
tyo
nly
Th
ird
par
tyfi
re &
th
eft
Com
preh
ensi
veD
escr
ipti
on
Op
tio
n
rent
al a
gree
men
t and
any
rec
eipt
s fo
r th
e hi
re c
ar b
efor
e w
e w
ill p
ay y
ou. I
fth
e co
st o
f the
hire
car
is m
ore
than
the
max
imum
dai
ly r
ate,
you
will
hav
eto
pay
the
diffe
renc
e.
We
do n
ot p
ay fo
r:
addi
tiona
l hiri
ng c
osts
;ru
nnin
g co
sts,
incl
udin
g th
e co
sts
of fu
el;
dam
age
to th
e hi
re c
ar;
any
insu
ranc
e, in
sura
nce
exce
ss o
r ot
her
cost
s yo
u m
ay b
e lia
ble
for
unde
r th
e hi
re c
ar r
enta
l agr
eem
ent.
We
will
not
cov
er y
ou u
nder
this
opt
iona
l ben
efit
if:
the
only
dam
age
to y
our
vehi
cle
is to
its
win
dscr
eens
or
win
dow
gla
ss;
or your
veh
icle
is s
tole
n, b
ecau
se y
ou m
ay b
e ab
le to
cla
im u
nder
the
‘Hire
car
cost
s fo
llow
ing
thef
t’ st
anda
rd b
enef
it (s
ee p
age
20).
Not
e:T
his
optio
n is
onl
y av
aila
ble
to b
e ad
ded
to y
our
Pol
icy
on in
cept
ion
or r
enew
al o
nly.
31
Th
ird
par
tyo
nly
Th
ird
par
tyfi
re &
th
eft
Com
preh
ensi
veD
escr
ipti
on
Op
tio
n
If yo
u se
lect
this
opt
ion
you
will
not
nee
d to
pay
the
stan
dard
exc
ess
whe
nyo
ur c
laim
is fo
r acc
iden
tal b
reak
age
or d
amag
e to
you
r veh
icle
's w
inds
cree
nor
win
dow
gla
ss d
urin
g th
e pe
riod
of in
sura
nce.
Exc
ess-
free
win
dscr
een
and
win
dow
gla
sspr
otec
tion
Not
e: F
or th
e pu
rpos
es o
f thi
s be
nefit
'bre
akag
e' m
eans
a fr
actu
re th
atex
tend
s th
roug
h th
e en
tire
thic
knes
s of
the
glas
s or
whe
re th
e w
inds
cree
nis
lam
inat
ed, a
frac
ture
that
ext
ends
thro
ugh
all l
ayer
s of
the
win
dscr
een.
If yo
u se
lect
this
opt
ion
and
your
veh
icle
is a
tota
l los
s, w
e w
ill p
rovi
de y
ouw
ith a
rep
lace
men
t veh
icle
of t
he s
ame
mak
e an
d m
odel
(if
the
mod
el h
asbe
en s
uper
sede
d th
en th
e ne
ares
t equ
ival
ent o
f the
sam
e m
ake
avai
labl
ein
the
mar
ket a
t the
tim
e of
loss
) pr
ovid
ed:
4 ye
ar n
ew c
arre
plac
emen
t
you
purc
hase
d it
new
from
the
man
ufac
ture
r or
thei
r de
aler
or
as a
dem
onst
rato
r ve
hicl
e; a
ndyo
ur v
ehic
le is
no
mor
e th
an fo
ur (4
) yea
rs o
ld fr
om th
e da
te o
f pur
chas
ew
hen
new
; and
has
been
driv
en le
ss th
an 1
00,0
00km
s at
the
time
of th
e to
tal l
oss;
and
it w
as o
rigin
ally
insu
red
for
the
purc
hase
pric
e an
d th
e P
olic
y S
ched
ule
show
s it
is in
sure
d fo
r re
plac
emen
t.
32
Th
ird
par
tyo
nly
Th
ird
par
tyfi
re &
th
eft
Com
preh
ensi
veD
escr
ipti
on
Op
tio
n
Whe
re y
our
vehi
cle
is a
tota
l los
s if
the
prov
isio
ns a
bove
are
not
met
, or
you
do n
ot w
ant a
rep
lace
men
t veh
icle
, the
sum
insu
red
will
be
mar
ket v
alue
at
the
time
of th
e in
cide
nt.
Not
e:T
his
optio
nal c
over
can
onl
y be
sel
ecte
d if
your
veh
icle
is le
ss th
antw
o (2
) yea
rs o
ld a
t the
tim
e of
cov
er b
eing
pro
vide
d an
d yo
u ar
e th
e or
igin
alow
ner.
If yo
ur v
ehic
le b
ecom
es g
reat
er th
an fo
ur (
4) y
ears
old
dur
ing
the
final
rep
lace
men
t cov
er r
enew
al p
erio
d, th
e re
plac
emen
t cov
er c
ease
s an
dth
e ve
hicl
es s
um in
sure
d be
com
es m
arke
t val
ue.
If yo
u ha
ve r
etai
ned
your
max
imum
No
clai
m b
onus
for
mor
e th
an tw
o (2
)ye
ars
and
you
sele
ct th
is o
ptio
n yo
ur n
o cl
aim
bon
us w
ill n
ot b
e re
duce
d or
affe
cted
if y
ou m
ake
any
at fa
ult c
laim
s w
ithin
the
perio
d of
insu
ranc
e.
Life
time
nocl
aim
bon
uspr
otec
tion
If yo
u se
lect
this
opt
ion
your
no
clai
m b
onus
will
not
be
redu
ced
or a
ffect
edfo
r on
e (1
) at
faul
t cla
im y
ou m
ake
with
in th
e pe
riod
of in
sura
nce.
No
clai
m b
onus
prot
ectio
n
33
Th
ird
par
tyo
nly
Th
ird
par
tyfi
re &
th
eft
Com
preh
ensi
veD
escr
ipti
on
Op
tio
n
You
can
sele
ct fr
om o
ur r
ange
of e
xces
s op
tions
.You
can
red
uce
your
prem
ium
by
sele
ctin
g fr
om o
ur v
olun
tary
exc
ess
optio
ns, t
he g
reat
er th
evo
lunt
ary
exce
ss y
ou c
hoos
e, th
e lo
wer
you
r pr
emiu
m.Y
ou c
an a
lso
choo
seto
rem
ove
your
sta
ndar
d ex
cess
for
an a
dditi
onal
pre
miu
m, a
ny o
ther
appl
icab
le e
xces
ses
are
paya
ble.
Sel
ecta
ble
exce
ss
= a
vaila
ble
=
Not
ava
ilabl
e
34
Legal liability - (Comprehensive,Third partyfire and theft and Third party only)
Legal liability for damage to another person's property
If you become legally liable for damage to another person's property directlycaused during the period of insurance by:
a part of your vehicle or your trailer attached to it;goods falling from your vehicle or your trailer attached to it, where youhave taken reasonable measures to secure them;the loading or unloading of your vehicle or your trailer attached to it;
then we will pay:
the reasonable cost of the damage for which there is liability; orthe amount awarded by a court in Australia;
up to the limit of liability shown on your Policy Schedule.
Legal liability for injury or death to another person (Gapcover)
If you become legally liable for bodily injury or death to another person directlycaused during the period of insurance by:
a part of your vehicle or your trailer attached to it;goods falling from your vehicle or your trailer attached to it, where youhave taken reasonable measures to secure them;
where you:
have Compulsory Third Party insurance but that insurance does notcover the liability, ordo not need Compulsory Third Party insurance and in the case of yourvehicle it is not being driven at the time of the incident;
then we will pay:
the reasonable amount for which there is liability; orthe amount awarded by a court in Australia;
up to the limit of liability shown on your Policy Schedule.
But we will not pay if you are declined insurance under your 'CompulsoryThird Party Policy' because of some failure by you.
Important Note: There are limits to this insurance – Please refer to Legalliability under the heading 'When you are not insured – Legal liability' onpage 39.
35
Driving another vehicle
We will insure you under this section when you drive a substitute motorvehicle because your vehicle is being repaired or serviced. This does notinclude a hire car.
But we will not pay for any damage to the substitute vehicle.
Passengers
QBE's legal liability covers damage caused to another person’s property bya passenger who is lawfully travelling in or getting in or out of your vehicleor a substitute motor vehicle.
Other people driving your vehicle
We will also insure under this section an insured person driving your vehicleor the driver of the substitute motor vehicle who is in charge of that vehiclewith your permission.
We will not insure that driver if you knew or should reasonably have knownthat they had been refused:
motor vehicle or motor bike insurance; orthe renewal of motor vehicle or motor bike insurance.
Principals indemnity
We will insure your employer, business partner or principal for legal liabilityincurred following an incident in which your vehicle (other than a substitutevehicle owned by your employer, business partner or principal) is involvedprovided that your vehicle was driven by you or was under your control.
Maritime liability
If your vehicle is being transported by sea between ports within Australia,we will pay your contribution in respect of your vehicle for general averageand salvage charges incurred by a shipowner where necessary for the safetyof the ship and cargo, provided you are liable to contribute under MaritimeLaw.
Legal costs
We will pay all legal costs reasonably incurred with our written consent arisingfrom a claim for which you are insured under this section.
Limit of liability
We will not pay more than the limit shown on the Policy Schedule for ourtotal liability under this section in respect of all claims arising out of oneincident or series of related incidents, including all costs, charges, expensesand legal costs. Any excess payable by you is included in the liability limit.
36
When you are not insured
You are not insured for:
For example, but not limited to:Theft or damage to your vehicle
Vehicle left unlocked at asupermarket car park.
When you or an insured personleave your vehicle unattended andunlocked in a public place.
Having a secret agreement withanother person to steal your vehicleor your trailer.
When the theft is by a person actingwith the express or implied consentof you or an insured person.
When your vehicle is stolen by afriend or prospective buyer afteryou have given them permission touse it.
When the theft is by a person towhom you have lent your vehicle,but this will not apply if the incidentis theft by deception and you havekept the driving licence or otherform of legal identification of thatperson.
When the damage is: (i) wear and tear of your vehicleor trailer resulting fromageing or loss of valuethrough ordinary use.
(i) the result of normal wear andtear, rust or corrosion to yourvehicle.
(ii)(ii) we would not pay to repairrust damage, a worn out
structural failure, electrical ormechanical breakdown.
engine, old radiator andwater hoses or a faultyelectrical system.
(iii)(iii) putting unleaded petrol in avehicle that runs on diesel.
a result of using a type of fuelthat is not intended for thespecific make and model ofyour vehicle and engine.
When your vehicle is stolenbecause it was left at the scene ofan accident when it could havebeen readily towed to our holdingyard or another place of safety.
When you or an insured personhave not taken all reasonable stepsto protect your vehicle from beingstolen or further damaged after ithas been involved in an incident.
Damage to tyres caused by theapplication of the brakes or bypunctures, cuts or bursting.
When the damage is to the tyres ofyour vehicle unless it was causedin the incident.
37
For example, but not limited to:Theft or damage to your vehicle
When the theft or damage is: (i) you should read thedefinition of non-standardaccessory and advise us to
(i) to a non-standard accessorynot shown on the PolicySchedule. include on your Policy
Schedule any non-standardaccessory fitted to yourvehicle, otherwise thataccessory is not insured.
(ii)(ii) you should read thedefinition of a modificationand advise us to include on
to a modification not shownon the Policy Schedule.
your Policy Schedule anymodification to your vehicle,otherwise that modificationon your vehicle may not beinsured.
(iii)(iii) theft of glasses, clothing,jewellery, camping gear,sporting equipment from yourvehicle.
to personal items as a resultof theft or attempted theftand or damage to items thatare not defined as personalitems, see page 21.
Financial loss caused by yourinability to use your vehicle or touse damaged personal property.
For financial or consequential loss.
For example, but not limited to:Legal liability
You would have no insurance underthis Policy for any vehicle or trailer:
For accidental bodily injury or deathto another person where you or inthe case of a substitute motor
if your statutory CTP insuranceapplies; or
vehicle, its owner, have or arerequired by law to have CompulsoryThird Party insurance (CTP). if it should apply but does not
because you failed to renewyour vehicle registration (whichincludes CTP insurance) orfailed to have CTP insurancein a State or Territory whereyou have to buy a separatepolicy; or
38
For example, but not limited to:Legal liability
For example, but not limited to:
even though you were notrequired to have CTPinsurance for the vehicle(because you use it only onprivate property or off road) butyou were driving it at the timeof the accident.
Serious collision resulting in bodilyinjury or death.
For accidental bodily injury or deathto a family member.
Court imposed fines.For fines or penalties (including anyinterest and costs) incurred by aninsured person.
Court imposed settlement.For any punitive, aggravated,exemplary, or multiple damages(including any interest and costs)against an insured person.
Where you signed a contract withanother party in which youundertook to protect their interests.
Arising out of an undertaking orguarantee given by an insuredperson without our written authority.
You borrow another person's golfclubs and run over them with yourvehicle, we will not pay for theclubs.
For damage to property owned byan insured person or in theirpossession, custody or control.
The injured person is entitled toclaim workers' compensationbenefits.
For which there is an entitlement toclaim an amount or benefit under astatute or other policy in respect ofthe liability.
For example, but not limited to:Alcohol, drugs, driving licence
If you or an insured persondriving your vehicle at the timeof the incident:
(i) charged with driving underthe influence of alcohol ordrugs.
(i) was affected by alcohol ordrugs to an extent thatimpaired the control of yourvehicle, or
39
For example, but not limited to:Alcohol, drugs, driving licence
(ii) had a blood alcohol levelexceeding the statutory limitfor the State or Territory inwhich the incident occurred,or
(iii)(iii) you are driving a vehicle thatis outside your licence classor condition.
did not hold a current drivinglicence which is valid to driveunder Australian law or hadnot complied with allconditions of the drivinglicence.
Refusing to take a Policebreathaliser test.
If you or an insured person,following the incident, refused totake a Police alcohol or drug test.
But you will have insurance if theperson driving your vehicle was notyou or a family member, and weagree that you had no reason tosuspect that the person wasaffected by alcohol or drugs or didnot have a driving licence.
If we do pay a claim because youwere unaware that the persondriving your vehicle was affectedby alcohol or drugs or did not havea driving licence, then we reservethe right to recover from that driver.
For example, but not limited to:The use of your vehicle
If at the time of the incident yourvehicle was being driven by youor an insured person and was:
(i) your vehicle’s registrationhad expired or your vehiclewas not licensed.
(i) not registered.
(ii)(ii) your vehicle was being usedby you in a robbery or was
being used for an unlawfulpurpose.
being used to transport illegaldrugs or stolen goods.
(iii)(iii) there is no insurance whenyou use your vehicle on a
being used:
40
For example, but not limited to:The use of your vehicle
race track for any reason,unless you have told us
(a) on a race track,speedway track orcourse, beforehand and we agreed
to insure you by issuing an(b) for driver training ordriver instruction on a endorsement, shown on your
Policy Schedule.race track, speedwaytrack or course unlessyour Policy isendorsed for such use,
(c) in preparation for arace, time-trial,hill-climb or any othercompetitive motorsport or contest,
(d) in a rally or eventwhere the road wasclosed to public traffic.
Using your vehicle as a taxi.Being used for carrying passengersfor hire, fare or reward but this doesnot apply to car pooling.
Allowing someone the temporaryuse of your vehicle in exchange forpayment.
Being let out on hire.
For example, but not limited to:Condition of your vehicle
If at the time of the incident yourvehicle was:
(i) when the condition of yourvehicle contributed to theincident e.g. worn out tyres,(i) in an unsafe, unroadworthy
or illegal condition, but thisdoes not apply if:
defective brakes, defectivelights or the body is full ofrust.(a) the condition did not
contribute to the causeof the incident, or
(b) you or an insuredperson were unawareof the defect and itwas reasonable to beunaware of it.
(ii)(ii) overloading your vehiclecontributed to the accident,
overloaded, but this does notapply if the overloading did
e.g. by carrying a bigger loadnot contribute to the cause ofthe incident. in the boot than your vehicle
was designed to carry or by
41
For example, but not limited to:Condition of your vehicle
similarly overloading yourtrailer.
Intentional acts
If the incident arises out of anintentionally harmful or damagingact by:
you, an insured person or afamily member;a person with the express orimplied consent of you, aninsured person or familymember;a passenger of your vehicle ora substitute vehicle.
Operation of law, war or nuclearmaterial.
If the incident is caused by:lawful seizure, repossession orother operation of law;invasion, war, civil war orrebellion;nuclear weapons, nuclear fuel,waste or material;acts of terrorism where suchact is directly or indirectlycaused by, contributed to by,resulting from, or arising out ofor in connection with biological,chemical, or nuclear weapons,pollution or contamination.
Sanction limitation and exclusion clause
You are not insured under any section of this Policy where a claim paymentbreaches any sanction prohibition or restriction under United Nationsresolutions or the trade or economic sanctions, laws or regulations ofAustralia, the European Union, United Kingdom or United States of America.
42
Making a claim
What you or an insured person must do
Prevent further loss or damage by taking all reasonable stepsto reduce the loss or damage and prevent any further loss ordamage.
Inform the Police immediately following theft or maliciousdamage or where you are required by law to do so.
At the scene of the accident take full details of all vehicles,drivers and witnesses. This information will be required toprocess your claim. Make a note of:
The accident:
date and time,road conditions (wet or dry),location,if appropriate, sketch map of what actually happenedincluding the direction of travel of the vehicles involved,details of any obstacles and names of the streets.
Other drivers and vehicles:
name of driver,driver's address,driver's phone number,make of vehicle,registration number,name of owner,owner's address,owner's phone number,owner's insurance company.
Witnesses:
name,address,daytime phone number.
Call us on 1300 734 728 as soon as possible when you discoverthat an incident likely to result in a claim has occurred. We willexplain the claims process so you understand what you needto do next.
43
What you or an insured person must do
The person calling to notify us of a claim must be listed as aninsured person on the Policy. If the person calling is not a listedinsured person, we must obtain written authority from the listedinsured before lodging a claim.
Complete a claim form, if we require it.
Return the completed claim form promptly together with allletters, documents, valuations, receipts or proof of ownershipthat you have been asked to provide, otherwise we cannotprocess the claim.
Assist us with your claim. Before we will pay anything underthis Policy, you and any relevant insured person, must havecomplied with all the requirements of this section and continueto give us any information we request and provide reasonableassistance throughout the claim or any proceedings.
At our request, we may need you to:provide written statements under oath;be interviewed about the circumstances of the claim;allow us to inspect (and if we wish) take possession of yourvehicle.
Pay your excess – Refer to page 49 for more information onyour excess and when you are required to pay an excess.
Provide every notice or communication from another party.Youor any relevant insured person must provide us as soon aspossible with every notice or communication receivedconcerning a claim by another person or concerning anyprosecution, inquest or other official inquiry arising from theincident.
What you or an insured person must not do
Admit guilt or fault (except in court or to the Police).
Offer or negotiate to pay a claim.
Admit liability.
Dispose of any damaged items without first seeking ourapproval.
44
What you or an insured person must not do
Authorise repairs. Except for essential temporary repairs, see'standard benefits' on page 28, you are not authorised tocommence repairs without our approval.
Delay contacting us whenever possible to notify us of an incidentwhich could lead to a claim on this Policy.You may have tocontribute towards your claim if your late notification results inhigher costs for us or harms our investigation opportunities.
Provide us with false or misleading information. We may denypart or all of your claim if you or an insured person are nottruthful and frank in any statement made in connection with aclaim or if a claim is fraudulent or false in any respect. We willreport any suspected fraudulent act to the Police for furtherinvestigation.
Where more than one (1) person is insured
If more than one (1) person is insured under the Policy, we will treat astatement, act, omission or a claim by an insured person as having beenmade by all of them.
How a claim affects your sum insured
If we pay a claim:
on a total loss basis, your Policy with us ends (see 'How your Policymay be cancelled' on page 51),for the cost of repairs to your vehicle, your sum insured remains thesame as it was before the claim.
For example, if your sum insured is $20,000 and we pay a claim for $3,000,your sum insured remains at $20,000.
Important note: Following a claim on a specified item such as a CD playeryou should make sure that the replacement item is added to your PolicySchedule.
What happens when your vehicle is a total loss
At QBE, where we decide your vehicle is a total loss, and we agree to payyour claim, your Policy comes to an end. How your claim is settled will dependon whether you have taken out an agreed value policy or a market valuepolicy.
If a security interest is registered over your vehicle, we will:
pay the financier the sum insured, up to the amount required to dischargeyour loan or finance agreement; andif applicable, pay you the remaining balance of the sum insured.
45
If no security interest is registered over your vehicle, we will:
pay you the sum insured; orreplace your vehicle, provided:
you are the original owner and have insured your vehicle with us fromnew, andyour vehicle is less than two (2) years old and has been driven lessthan 20,000kms, andyour vehicle was originally insured for the purchase price
if a similar make and model is available.
Discharging a security interest
You must take the necessary steps we require to remove any security interestin your vehicle after your loan or finance agreement has been discharged.
Premium after a total loss
If you have paid your Policy in full there is no refund of
premium
as we have fulfilled our contract to you.
If you pay your Policy in instalments we will deduct any unpaid instalmentamount up until your Policy renewal date from the total sum insured.
If you purchase another vehicle, a new insurance policy is required.
Vehicle salvage
If we have replaced your vehicle or paid your sum insured, your vehiclebecomes our property. If you choose to keep your vehicle in its damagedcondition then the salvage value will be deducted from your sum insured. Ifwe are replacing your vehicle you will need to pay us the salvage value first.
We will receive any vehicle registration refund, in states where we are entitledto do so.You will provide us with a signed written authority to enable us torecover this refund.
How claims administration and legal proceedings areundertaken
When a claim is lodged under this Policy, we have the right at our discretionto exercise all the legal rights of an insured person relating to the incidentand to do so in their name.
We will take full control of the administration, conduct or settlement of theclaim including any recovery or defence that we may consider necessary.
We will also report any suspected fraudulent act to the Police for furtherinvestigation.
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Contribution
Where the incident insured by this Policy is also insured elsewhere and wehave paid more than our reasonable share of your claim, we may exerciseour right to seek contribution from the other insurer or insurers.
How GST affects any payments we makeThe premium payable for this Policy is subject to GST.When we pay a claim,your GST status will determine the amount we pay.
When you are:
not registered for GST, the amount we pay is the sum insured/limit ofliability or the other limits of insurance cover including GST;registered for GST, we will pay the sum insured/limit of liability or theother limits of insurance and where you are liable to pay an amount forGST in respect of an acquisition relevant to your claim (such as servicesto repair a damaged item insured under the Policy) we will pay for theGST amount.
We will reduce the GST amount we pay for by the amount of any input taxcredits to which you are or would be entitled if you made a relevantacquisition. In these circumstances, the Input Tax Credit may be claimablethrough your Business Activity Statement (BAS).
You must advise us of your correct Australian Business Number and TaxablePercentage.Your Taxable Percentage is your entitlement to an Input TaxCredit on your premium as a percentage of the total GST on that premium.
If you don’t tell us your correct GST status, any GST liability is yourresponsibility.
Where the settlement of your claim is less than the sum insured/limit ofliability or the other limits of insurance cover, we will only pay an amount forGST (less your entitlement for Input Tax Credit) applicable to the settlement.This means that if these amounts are not sufficient to cover your loss, wewill only pay the GST relating to our settlement of the claim.
We will (where relevant) pay you on your claim by reference to the GSTexclusive amount of any supply made by any business of yours which isrelevant to your claim.
If, after we have assessed your claim, you are required to enter into a contractwith a third party to replace or reinstate lost or damaged items that we haveagreed to pay under this Policy, you will enter into that agreement with thethird party as our agent unless advised otherwise.
GST, Input Tax Credit (ITC), Business Activity Statement (BAS) andAcquisition have the same meaning as given to those expressions in A NewTax System (Goods and Services Tax) Act 1999 (Cth) and related legislationas amended from time to time.
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Repair information
Choice of repairer
If you lodge a claim and we agree to repair your vehicle we can refer you toa QBE accredited repairer or you may nominate a repairer of your choice.
You must not authorise the repair of your vehicle without our written authority.
Where we recommend our accredited repairer
We will:
provide you with the names of two (2) repairers for you to obtain quotesfrom;need to inspect your vehicle prior to authorising repairs; andpay the cost of repairs directly to the repairer we authorise.
Where a QBE assessment centre is available to you we will advise of thisprocess.
Where you nominate a repairer
You must:
obtain a quote from a repairer of your choice who is appropriatelylicensed, however if you do we may require you to obtain a second quotefrom a repairer of our choice; andallow us to assess your vehicle prior to authorising repairs.
We will:
pay the reasonable costs, as determined by us, to have your vehiclerepaired, directly to the repairer we have authorised to carry out therepairs.
In determining reasonable costs we consider a number of factors including:
the advice of an experienced motor vehicle assessor that we appoint;a quote from another repairer of our choice; andany adjustment allowing for method of repair.
In the event that repairs are carried out without our authority we will notprovide our lifetime guarantee (see page 19) on repairs and where permittedby law will pay only what we determine to be the reasonable cost of repairs.
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Replacement of damaged parts
Within Manufacturers Standard New Car Warranty period
If your vehicle is covered under the Manufacturers Standard New CarWarranty (not including an extended warranty period) we will only usemanufacturers approved parts in repairing your vehicle. In the event that thepart is a windscreen or a body glass then Australian Design Rule compliantparts may be used.
Outside Manufacturers Standard New Car Warranty
We may use new, recycled or reconditioned parts when repairing vehicleswhich are no longer covered under the Manufacturers Standard New CarWarranty. Where the use of recycled or reconditioned parts is requested wewill only use the parts if they are equal to or exceed the quality of the partbeing replaced.
You may have to contribute towards the cost of repairs
We are entitled to require you to contribute towards the cost of repairs wherethe condition or appearance of your vehicle improves as a result of replacingold parts with new parts or repainting more than the damaged area.
Contribution
Where the incident insured by this Policy is also insured elsewhere and wehave paid more than our reasonable share of your claim, we may exerciseour right to seek contribution from the other insurer or insurers.
If parts and accessories are not available
Where parts and accessories are not available locally we will only pay:
the cost of parts and accessories of an equivalent make and model ofmotor vehicle listed in the latest suppliers list within the State or Territoryin which repairs are being carried out; andsurface freight costs of getting parts to the repairer.
We will not pay the extra cost of specially made parts for your vehicle whenthe parts or accessories required for repair are not readily available.
Excess.The amount you pay towards aclaimAn excess is the amount which you may have to pay each time you makea claim. Each excess is printed on the Policy Schedule. If following an incidentmore than one (1) excess applies, you will have to pay the total of all theexcesses that apply to you. If we determine your claim comprises of morethan one (1) incident, you will have to pay the applicable excesses for eachincident.
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You may have to pay:
This is the first amount you have to pay, allvehicles carry a standard excess.
A standard vehicleexcess
If the driver at the time of the incident is within thespecified age group shown on your PolicySchedule.
An age excess
This excess does not apply when:
the only damage to your vehicle is to thewindscreen or window glass; orthe incident is a result of fire, explosion,lightning, flood, theft or where your vehicle isdamaged while parked.
This applies when the Policy Schedule has nameddrivers listed and your vehicle is being driven bya person who is not named on the Policy Scheduleas a driver.
An undeclareddriver excess
It is your responsibility to notify us of drivers ofyour vehicle because your premium or excesscould be affected.
This is an excess we may require under yourPolicy. We would not have accepted you or yourvehicle for insurance without this excess.
An imposed excess
If an imposed excess has been applied it will beshown on the Policy Schedule.
This is an excess that you have elected to haveto reduce your premium. A voluntary excess ispaid in addition to your standard excess and anyother applicable excesses.
A voluntary excess
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If your vehicle is damaged in a collision with another vehicle, you will nothave to pay any excess if all of the following apply:
we agree that the other driver involved in the collision was totally at fault;you can give us the name and address of the other driver and theregistration number of the other vehicle, andthe other driver is not a family member.
How your Policy may be cancelled
Cancellation by you
You may cancel this Policy at any time by giving us notice in writing.
Cancellation by us during the period of insurance
We may cancel this Policy on any of the grounds set out in the InsuranceContracts Act 1984 (Cth) and we will always put this in writing to you.
When your vehicle is a total loss
Where we have paid a claim on a total loss basis your Policy with us isdeemed to have been fulfilled and:
there is no refund of any premium, orif you have been paying your premium by instalments we will deductany unpaid instalment amount up to your Policy renewal date from thetotal sum insured.
Cancellation by us on expiry of this Policy
We may cancel this Policy at the end of the period of insurance. If this isabout to happen we will tell you in writing within the terms set out in theInsurance Contracts Act 1984 (Cth).
Refund of premium
On cancellation, a refund of the premium will be calculated equal to theunexpired period of this Policy less an administration fee and anynon-refundable government charges.
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Index
A7, 21, 26, 28, 37, 39, 41, 43
Accident ............................................................................
50Age excess ........................................................................14, 16, 29, 45Agreed value .....................................................................39-40Alcohol ...............................................................................
C10, 13, 51Cancellation .......................................................................17, 25Change of vehicle ..............................................................3-10, 12-14, 19-23, 25, 30-33,
Claim .................................................................................
36, 39-40, 42-49, 5136, 47, 49Contribution .......................................................................
D4, 13, 17-18, 23, 25-26, 28,
Damage .............................................................................
31-32, 35-39, 43, 5039Damages ...........................................................................35, 38Death to another person ....................................................14, 29Definitions .........................................................................
Driving another vehicle .....................................................14, 18, 37, 40Driving licence ...................................................................39-40Drugs .................................................................................
E22Emergency accommodation and transport ........................3, 18, 29, 34, 49-50
Excesses ...........................................................................
F45False or misleading information .........................................6, 14, 22Family ................................................................................39-40, 42, 51Family member .................................................................25Fatality cover .....................................................................38Financial loss ...................................................................39Fines ..................................................................................45-46Fraudulent act ....................................................................
H30Hire car after accident .......................................................20Hire car following a theft ....................................................
I50Imposed excess ................................................................
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4, 9-10, 14, 18, 20-22, 24-25,
Incident ..............................................................................
29-30, 33, 35-37, 39-47, 49-5014, 18, 36-37, 39-42, 44-46
Insured person ...................................................................
42Intentional acts ..................................................................
L17-18, 28-29, 35-36, 39
Legal liability .....................................................................
M36Maritime liability .................................................................14, 16, 26, 29, 33, 45
Market value ......................................................................
37Mechanical breakdown ......................................................6, 14-15, 17, 38Modification .......................................................................
N8-10, 23, 33No Claim Bonus .................................................................33No Claim Bonus protection ................................................6, 15, 17, 38Non-standard accessory ...................................................
O36Other people driving your vehicle ......................................41Overloaded ........................................................................
P3, 49Parts ..................................................................................15, 21, 38Personal items .................................................................6-7, 9-10, 12-15, 18, 25, 30, 34, 46-47, 50-51
Premium ...........................................................................
4, 8, 15, 17-18, 25-26, 28-29, 35-36, 38-39, 46
Property .............................................................................
R24Re-delivery costs ...............................................................15, 17Removable safety equipment ...........................................8, 19, 21, 30, 48-49
Repairer .............................................................................
16, 19-20, 23-25, 45, 48-49
Repairs ..............................................................................
37Rust damage .....................................................................
S16, 46Salvage value ...................................................................3-4, 7-10, 12-18, 23, 28-30,
Schedule ............................................................................
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32, 35-36, 38, 41, 45, 49-5050Standard vehicle excess ....................................................37Structural failure ................................................................17, 36, 42Substitute vehicle ..............................................................12, 16-17, 27, 29, 33, 45-46, 51
Sum insured ......................................................................
T42Terrorism ............................................................................4, 7, 17-19, 21-22, 28, 31, 34-35, 37-38, 43, 50
Theft ................................................................................
15, 24Tools ..................................................................................8, 14, 16, 22, 25-30, 32-33, 45-46, 51
Total loss ............................................................................
21Towing costs ......................................................................17, 23, 37-38Trailer .................................................................................21Travelling expenses ...........................................................14-15, 37, 41Tyres ..................................................................................
U18, 50Undeclared driver excess ..................................................18-19, 24-25Uninsured motorist benefit ................................................37Unlocked ............................................................................5, 7, 13-14, 16, 24, 37-41, 49
Use ....................................................................................
V34, 50Voluntary excess ...............................................................
W42War ...................................................................................37Wear and tear ....................................................................
Y17, 23, 35, 37, 42
Your trailer .........................................................................
4, 6-7, 10, 14-33, 35-42, 44-46, 48-51
Your vehicle .......................................................................
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QM4346-1213
For all enquiries please contact your financial institution
QBE Insurance (Australia) Limited
82 Pitt Street Sydney NSW 2000 Australia
This Policy is underwritten by QBE Insurance (Australia) Limited ABN 78 003 191 035, AFSL 239545 of 82 Pitt Street, Sydney NSW 2000 Australia
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