About This Policy
This Policy insures your private car. The car is insured at the cover level shown in the Schedule:
| Cover level | What it includes |
|---|---|
| Comprehensive | Accidental loss or damage to your car from any cause not excluded, your legal liability for damage to other people's property, and supplementary bodily injury cover |
| Third party, fire and theft | Loss or damage to your car caused by fire or theft, your legal liability for damage to other people's property, and supplementary bodily injury cover |
| Third party only | Your legal liability for damage to other people's property, and supplementary bodily injury cover. There is no cover for loss of or damage to your car |
The Policy is made up of this wording, the Schedule and any Endorsement. Where the Schedule and this wording differ, the Schedule applies. Words with special meanings are listed in the Definitions section.
Who This Policy Is For
This Policy is for individuals insuring a car used mainly for private purposes. It is a consumer insurance contract, and the duty to take reasonable care not to make a misrepresentation in the Your Duty to Take Reasonable Care condition applies instead of the duty of disclosure.
This wording is designed for retail clients. An issuer using it must give a Product Disclosure Statement and make a Target Market Determination available, as the Corporations Act 2001 (Cth) requires. This wording is not itself a Product Disclosure Statement. The General Insurance Code of Practice applies.
This Policy is a prescribed contract for motor vehicle insurance under the Insurance Contracts Act 1984 (Cth) and the Insurance Contracts Regulations 2017 (Cth). Where it gives less cover than standard cover, the issuer must clearly inform you in writing of each difference before the contract is entered into; otherwise the standard cover applies. An issuer must check any change to a Default Schedule Value against the list of differences it gives you. [WP REVIEW: list each departure from prescribed motor standard cover (insured events, exclusions, excesses and the minimum amounts) for the Product Disclosure Statement, and confirm whether the Alcohol and Drugs exclusion, which applies only where the Insured person knew or could reasonably have known of the driver's state, is within the exclusions the Regulations allow.]
Compulsory Third Party Insurance
This Policy is not compulsory third party (CTP) insurance. CTP is a separate statutory insurance, arranged through each State or Territory scheme, that covers liability for death or bodily injury caused by a motor vehicle. You must keep CTP, or registration that includes it, in force for every registrable Insured vehicle. The Supplementary Bodily Injury extension gives limited cover only where no CTP or statutory scheme responds.
Version and Document History
This document is version-controlled. The version and date shown on the cover page and in the footer of each page govern this text. The Version of This Wording condition says which version applies to your Policy.
Schedule
(Completed separately for each policy. It contains your specific details.)
The Schedule shows:
- The named insured and the regular driver
- The Period of Insurance
- Your car: registration, make, model and year, garaging address, Permitted use, cover level, value basis and Sum insured
- The listed drivers, if any
- The Excesses, and your no claim bonus rating
- The third party property damage limit and supplementary bodily injury sub-limit
- Sub-limits and other values that differ from the defaults in the Default Schedule Values
- The premium, with stamp duty, levies and GST
- The State or Territory whose law governs this Policy (see the Governing Law and Jurisdiction condition)
- The Endorsements that apply, by code, with their variables
- Interested parties, such as a financier
Definitions
These words have the meanings below wherever they appear in this Policy, the Schedule or an Endorsement, with a capital letter. The singular includes the plural.
| Accidental Loss or Damage | Sudden, unintended and unexpected physical loss or damage. It does not include deliberate damage or gradual deterioration. |
| Agreed Value | The value shown in the Schedule for a specific Insured vehicle, agreed between you and us at inception or renewal. It includes standard equipment, accessories, modifications and signwriting unless the Schedule says otherwise. |
| Control Group | The chief executive officer, chief financial officer, general counsel, head of risk or insurance, and directors of the Named insured, or a person performing an equivalent role. Where the Named insured is an individual, the Control group is that individual. |
| Dangerous Goods | Goods that are dangerous goods under the Australian Code for the Transport of Dangerous Goods by Road and Rail, or under the law of the State or Territory where they are carried. |
| Endorsement | A written change to this Policy that we issue, shown in the Schedule by its code. |
| Excess | The amount you bear as the first part of each claim, as shown in the Schedule. |
| Insured Person | A person or entity described in the Who Is Covered clause. |
| Insured Vehicle | The car shown in the Schedule, including its standard equipment, accessories and modifications, and a replacement car you buy during the Period of Insurance for the first 14 days after you take possession of it, on the same cover level and terms, provided you tell us about it within those 14 days. |
| Market Value | The reasonable retail selling price of the vehicle immediately before the loss, having regard to its make, model, age, condition and kilometres travelled. |
| Named Insured | The individual or individuals shown in the Schedule as the named insured. |
| Not at Fault | A driver is Not at fault for an Occurrence where, on the evidence reasonably available to us, the driver did not cause or contribute to it. We decide this reasonably and in good faith, and we give you our reasons in writing. If you disagree, you may ask us to review the decision, and you may complain under the Complaints and Disputes condition. |
| Occurrence | An event, or a series of events arising from one source or original cause, that results in loss, damage or liability neither expected nor intended by an Insured person. |
| Period of Insurance | The period shown in the Schedule, unless the Policy is cancelled earlier. |
| Permitted Use | Private use, including travel to and from work, and any other use shown in the Schedule. Use for hire, fare or reward and use mainly for business are not Permitted use unless the Schedule shows them. |
| Schedule | The document we issue with this Policy, including the vehicle schedule, any declarations and any Endorsement, as most recently issued. |
| Substitute Vehicle | A vehicle you use temporarily, for no longer than 30 days, while an Insured vehicle is being repaired or serviced or cannot be used because of breakdown or loss, where the substitute vehicle is not owned by you. Substitute Vehicles sets out the cover. |
| Sum Insured | The amount shown in the Schedule for each Insured vehicle. |
| Total Loss | An Insured vehicle that is damaged beyond economic repair, or that is stolen and not recovered within the period shown in the Schedule. |
| We, Us, Our | The insurer named in the Schedule. |
| You, Your | The person or persons shown in the Schedule as the named insured. |
Cover for Your Vehicles
This section applies to each Insured vehicle shown in the Schedule as Comprehensive or as Third party, fire and theft. It does not apply to a vehicle shown as Third party only.
Comprehensive
If an Insured vehicle shown as Comprehensive suffers Accidental loss or damage during the Period of Insurance, we will pay for the loss or damage as set out in the Basis of Settlement provision. This includes Accidental loss or damage caused by collision or overturning; fire, lightning or explosion; theft or attempted theft; storm, flood, hail or cyclone; malicious damage or vandalism; falling objects; impact with an animal; immersion in water; and landslide, subsidence or earthquake.
Third Party, Fire and Theft
If an Insured vehicle shown as Third party, fire and theft suffers loss or damage during the Period of Insurance caused by fire, lightning or explosion, or by theft or attempted theft, we will pay for the loss or damage as set out in the Basis of Settlement provision. This cover does not include collision, malicious damage, storm, flood or any other accidental damage to the Insured vehicle, except as Uninsured Motorist Damage provides.
Basis of Settlement
We settle a claim for loss of or damage to an Insured vehicle on the value basis shown for it in the Schedule:
| Value basis | How we settle a Total loss |
|---|---|
| Market value (the default) | We pay the Market value of the vehicle immediately before the loss, up to its Sum insured, less the Excess |
| Agreed value | We pay the Agreed value shown in the Schedule, less the Excess |
Where the vehicle can be economically repaired, we settle as set out in the Repairs provision. Where it is a Total loss, the Total Loss provision applies.
Repairs
Where an Insured vehicle can be economically repaired, we may pay you the reasonable cost of repair, or arrange the repair. The Choice of Repairer provision applies to who repairs the vehicle. We do not use second-hand or non-genuine parts without your consent, except where the vehicle is more than five years old and genuine parts are not reasonably available. We will not pay for an improvement in the vehicle's condition beyond its condition before the loss, except where the only reasonable repair is with new parts.
Total Loss
Where an Insured vehicle is a Total loss, we pay on the value basis shown in the Schedule, less the Excess and any unpaid premium for that vehicle. Cover for that vehicle then ends, and no premium is refunded for it. Where the Schedule names a financier, the Subrogation and Interested Parties condition applies to the payment.
New Vehicle Replacement
If an Insured vehicle shown as Comprehensive is a Total loss within the period shown in the Schedule after its first registration as a new vehicle, and its gross vehicle mass does not exceed the limit shown in the Schedule, we will replace it with a new vehicle of the same make, model and specification, including on-road costs, where one is reasonably available in Australia. The most we pay is the percentage of the Sum insured shown in the Schedule. If a replacement is not reasonably available, we pay on the value basis shown in the Schedule.
Choice of Repairer
You may choose your own repairer. If you use a repairer we recommend, we guarantee the quality of the repairs for as long as you own the vehicle. If you use your own repairer, we pay the reasonable cost of repair, which may be less than your repairer's quote if their charges exceed the prevailing market rate for that work. Where we are a signatory to the Motor Vehicle Insurance and Repair Industry Code of Conduct, or a State scheme applies, estimates, authorisations and disputes with repairers are handled in accordance with it.
Additional Benefits
These benefits are paid in addition to the Sum insured, for the cover levels shown, up to the limits shown in the Schedule or, if none is shown, in the Default Schedule Values. No Excess applies to them unless the Schedule says otherwise.
| Benefit | Cover levels | What we pay |
|---|---|---|
| Hire car after theft | Comprehensive; Third party, fire and theft | The reasonable cost of hiring a similar car, per day, until your car is recovered or the claim is settled |
| Hire car after accident | Comprehensive | The reasonable cost of hiring a similar car, per day, until the repair is complete, where the driver was Not at fault and the other party is identified |
| Towing | Comprehensive; Third party, fire and theft | The reasonable cost of moving your car to the nearest repairer or a safe place |
| Emergency repairs | Comprehensive | The reasonable cost of repairs needed to make your car safe to drive home or to a repairer |
| Windscreen and window glass | Comprehensive | Replacement or repair of broken glass, with no Excess |
| Personal effects | Comprehensive | Personal effects in your car lost or damaged in the same Occurrence, excluding money and jewellery |
| Locks and keys | Comprehensive; Third party, fire and theft | Replacing or recoding locks and keys after the keys are stolen |
| Child seats and restraints | Comprehensive | Replacing child seats and restraints damaged in the Occurrence |
| Emergency travel and accommodation | Comprehensive | Reasonable travel and accommodation costs where your car cannot be driven after loss or damage more than the distance shown in the Schedule from home |
| Trailer while attached | Comprehensive | Loss of or damage to a trailer you own while it is attached to your car |
What Is Not Covered for Your Car
In addition to the General Exclusions section, we do not pay under Cover for Your Vehicles for:
- mechanical, electrical or electronic breakdown, failure, wear and tear, rust or corrosion, unless caused by an insured event;
- damage to tyres by road punctures, cuts or bursts, unless other insured damage to your car happens at the same time;
- loss of value or depreciation after a repair;
- loss of use or any other consequential loss, except the benefits in the Additional Benefits extension; or
- loss of your car to a buyer who has not paid for it, or who paid with a dishonoured payment, when you were selling it.
Your Legal Liability
This section applies to every Insured vehicle, whatever its cover level.
Third Party Property Damage
If an Insured person becomes legally liable to pay compensation for damage to other people's property caused by an Occurrence during the Period of Insurance arising from the use of an Insured vehicle or a Substitute vehicle, we will pay that compensation, up to the third party property damage limit shown in the Schedule for each Occurrence. We also pay the reasonable legal costs of defending the claim that we incur or approve in writing; these costs are paid in addition to the limit.
Who Is Covered
Each of the following is an Insured person under this section: you; any person driving, using or in charge of an Insured vehicle with your permission; any passenger in, or getting into or out of, an Insured vehicle; and your employer or principal, where an Insured vehicle is being used in their business with your consent. Each Insured person is covered as if a separate policy had been issued to them, but our total liability for each Occurrence does not exceed the limits shown in the Schedule.
Where an exclusion or condition of this Policy depends on what a person knew, intended or consented to, it applies to an Insured person only by reference to what that Insured person knew, intended or consented to. What one Insured person knew, intended or consented to is not attributed to another, except that the knowledge, intention and consent of a member of the Control group is the Named insured's.
Supplementary Bodily Injury
We will pay the compensation an Insured person becomes legally liable to pay for the death of, or bodily injury to, another person caused by an Occurrence during the Period of Insurance arising from the use of an Insured vehicle, but only to the extent that the liability is not covered by any compulsory third party insurance or statutory accident compensation scheme. Where a scheme pays part of the liability, we pay only the part it does not cover. This applies only where the vehicle was registered, and any required compulsory third party insurance was in force, at the time (or the vehicle was not required to be registered). The most we pay is the supplementary bodily injury sub-limit shown in the Schedule for each Occurrence, which is part of, not in addition to, the third party property damage limit.
We also pay the reasonable legal costs of defending a claim under this extension that we incur or approve in writing. These costs are part of, not in addition to, the supplementary bodily injury sub-limit.
We do not pay under this extension any amount a scheme has paid or would have paid had the registration, insurance and claim requirements of the scheme been met; death of or injury to the driver of the Insured vehicle; or fines, penalties or aggravated, punitive or exemplary damages.
[WP REVIEW: confirm how this extension interacts with each State and Territory compulsory third party scheme, including claims the scheme pays in part or declines.]
Uninsured Motorist Damage
If an Insured vehicle shown as Third party, fire and theft or Third party only is damaged in a collision with another vehicle whose driver is uninsured, and the driver of the Insured vehicle was Not at fault, we will pay for the damage up to the amount shown in the Schedule, provided you give us the name and address of the other driver and the registration of their vehicle. For this extension, a driver is uninsured if no insurance responds to the damage the driver caused to the Insured vehicle.
Substitute Vehicles
The Third Party Property Damage clause extends to liability arising from the use of a Substitute vehicle, as though it were an Insured vehicle. It does not extend to loss of or damage to the Substitute vehicle itself. If the Substitute vehicle is also insured under another policy, the Other Insurance condition applies. [WP REVIEW: confirm that relying on contribution, rather than a limit for vehicles insured elsewhere, is consistent with s 45 of the Insurance Contracts Act 1984 (Cth).]
Trailers
The Third Party Property Damage clause extends to liability arising from a trailer while it is attached to, or has accidentally become detached from, an Insured vehicle, whether or not you own it.
What Is Not Covered for Your Legal Liability
In addition to the General Exclusions section, we do not pay under Your Legal Liability for liability:
- for damage to property owned by, leased to, or in the custody or control of an Insured person, other than a Substitute vehicle or a trailer covered by the Trailers extension;
- for death or bodily injury, except as provided by the Supplementary Bodily Injury extension;
- arising from the carriage of Dangerous goods;
- assumed under a contract, except to the extent you would have been liable without it; or
- for fines or penalties, or aggravated, punitive or exemplary damages.
General Exclusions
These exclusions apply to every section of this Policy. A section may have its own exclusions as well. Where an exclusion refers to a driver, it applies only to loss, damage or liability that arises while that person is in charge of the Insured vehicle. The Insurance Contracts Act 1984 (Cth) condition applies to each of them.
Unlicensed or Disqualified Driver
Loss, damage or liability while the Insured vehicle is driven by a person who does not hold a current licence appropriate for the vehicle, or whose licence is suspended, cancelled or disqualified. This exclusion does not apply to an Insured person who did not know, and could not reasonably have known, that the driver was unlicensed or disqualified, or where the vehicle was driven without your consent.
Alcohol and Drugs
Loss, damage or liability while the Insured vehicle is driven by a person whose ability to drive is impaired by alcohol or a drug, who has a blood or breath alcohol level above the legal limit for that driver, or who refuses a lawful test. This exclusion does not apply to an Insured person who did not know, and could not reasonably have known, of the driver's state, or where the vehicle was driven without your consent.
Unsafe or Unroadworthy Condition
Loss, damage or liability caused by the use of a vehicle in an unsafe or unroadworthy condition that you knew about, or ought reasonably to have known about, before the loss.
Racing and Competition
Loss, damage or liability while the vehicle is used for racing, pace-making, speed or reliability testing, rallying or any competition, or on a racetrack.
Overloading
Loss, damage or liability caused by a load carried or a weight towed that exceeds the manufacturer's rated capacity or the vehicle's registered capacity.
Outside Australia
Loss, damage or liability that occurs outside Australia, unless the Schedule shows otherwise.
Hire, Fare or Reward
Loss, damage or liability while the vehicle is used for hire, fare or reward, including rideshare and food delivery for a platform, unless the Schedule shows it as Permitted use or an Endorsement covers it. Sharing the cost of a trip with passengers, where you make no profit, is not use for hire, fare or reward.
Use Other Than the Permitted Use
Loss, damage or liability while the vehicle is used other than for its Permitted use, where you knew of or consented to that use.
Deliberate Acts
Loss, damage or liability that you deliberately cause, or that is deliberately caused by a person acting with your consent or knowledge who intends the loss or damage. The Joint Insureds condition applies.
War
Loss, damage or liability arising from war, invasion, act of a foreign enemy, hostilities (whether war is declared or not), civil war, rebellion, revolution, insurrection, or military or usurped power.
Nuclear
Loss, damage or liability arising from ionising radiation or contamination by radioactivity from nuclear fuel or nuclear waste, or from nuclear weapons material.
Terrorism
Loss, damage or liability arising from an act of terrorism. [WP REVIEW: confirm whether the scheme under the Terrorism Insurance Act 2003 (Cth), as renamed, can apply to motor vehicle insurance and, if it can, whether this exclusion needs an exception for it.]
Your Obligations When Something Happens
These obligations apply to every claim. The Insurance Contracts Act 1984 (Cth) condition applies to each of them: we will not refuse a claim only because you did not meet one of them, except to the extent the Insurance Contracts Act 1984 (Cth) allows.
Tell Us About an Incident
Tell us as soon as reasonably practicable after any accident, theft or other event that may give rise to a claim. Give us when and where it happened; the registration and description of each vehicle involved; the names and contact details of the drivers, passengers and witnesses; what happened and what was damaged; the other party's insurance details if known; and a copy of any police report. Report theft and malicious damage to the police as soon as reasonably practicable.
Do Not Admit Liability
Do not admit fault or liability, or offer or agree to pay anything, without our written consent, except as the law requires. You may exchange details with the other driver.
Protect the Vehicle
Take reasonable steps to prevent further loss or damage. If the vehicle is not safe to drive, arrange for it to be towed. Reasonable towing costs are covered as an additional benefit for the cover levels that include it.
Cooperate With Us
Give us the information and help we reasonably need to assess, defend or settle a claim and to recover from others. Let us inspect the vehicle before repairs start, except emergency repairs needed to make it safe.
Maintain Your Car
Keep each Insured vehicle registered and roadworthy, and comply with the registration, licensing and safety laws that apply to it.
Tell Us About Changes
Tell us during the Period of Insurance when you change your car; when the address where it is normally kept overnight changes; when it is modified; when someone not shown in the Schedule starts to drive it regularly; or when you start to use it for business, rideshare or delivery.
We may change the premium or terms because of a change you tell us about, but only by giving you written notice of the new premium or terms. They apply only from the date stated in the notice, which is not earlier than the notice period shown in the Default Schedule Values after we send it. If you do not accept them, you may cancel the Policy as the Cancellation condition allows, we will refund the premium for the unexpired Period of Insurance on a pro-rata basis from the date of cancellation, and the new premium or terms do not apply to you. [WP REVIEW: confirm this mid-period variation mechanism against the variation and unfair contract terms provisions of the Insurance Contracts Act 1984 (Cth).]
General Conditions
These conditions apply to every section of this Policy.
Insurance Contracts Act 1984 (Cth)
Nothing in this Policy excludes, restricts or modifies the operation of the Insurance Contracts Act 1984 (Cth). Where this Policy is inconsistent with the Act, the Act prevails.
If this Policy would otherwise let us refuse to pay a claim, in whole or in part, because of something you did or did not do after this Policy was entered into, section 54 of the Act applies. We may not refuse to pay the claim only because of that act or omission. Our liability is reduced by the amount that fairly represents the extent to which our interests were prejudiced. Where the act or omission could reasonably be regarded as capable of causing or contributing to the loss, we may refuse to pay only the part of the claim that the act or omission caused or contributed to. We may not refuse any part that you prove the act or omission did not cause. This applies to every condition, exclusion, limit and obligation in this Policy, not only to the claims conditions.
Your Duty to Take Reasonable Care
This is a consumer insurance contract. Before you enter into, renew, extend, vary or reinstate this Policy, you have a duty under s 20B of the Insurance Contracts Act 1984 (Cth) to take reasonable care not to make a misrepresentation to us. Answer each of our questions honestly and accurately, and as fully as you can. If you do not meet this duty, we may be entitled to reduce our liability for a claim, to cancel the Policy, or, where the misrepresentation is fraudulent, to avoid the Policy from its beginning, as the Act allows.
Premium and Instalments
The premium is shown in the Schedule. Where you pay by instalments and an instalment is unpaid for one month or more, we may refuse a claim that arises after the instalment fell due, and we may cancel the Policy by written notice in accordance with the Insurance Contracts Act 1984 (Cth). Before we refuse a claim or cancel for an unpaid instalment, we will give you written notice that the instalment is overdue and what you must pay to keep the Policy in force. [WP REVIEW: align with s 39 of the Insurance Contracts Act and the issuer's instalment terms.]
Excesses
The Excesses shown in the Schedule apply to each claim, for each Insured vehicle, as follows:
| Excess | When it applies |
|---|---|
| Basic excess | Every claim, unless this condition says no excess applies |
| Age excess | In addition, where the driver at the time of the loss was under the age shown in the Schedule |
| Inexperienced driver excess | In addition, where the driver had held a licence for that class of vehicle for less than the period shown in the Schedule |
| Unlisted driver excess | In addition, where the Schedule shows named drivers and the driver was not one of them |
| Voluntary excess | In addition, where you chose a higher excess for a lower premium |
No excess applies to a claim for windscreen or window glass only, or where the driver of the Insured vehicle was Not at fault and you give us the name and address of the person responsible. Where more than one Insured vehicle is damaged in the same Occurrence, you pay one basic excess (the highest that applies), plus any additional excess for each driver.
No Claim Bonus
Your no claim bonus rating is shown in the Schedule. It improves by one step at each renewal after a Period of Insurance with no at-fault claim, up to the highest rating, and falls by the number of steps shown in the Default Schedule Values for each at-fault claim. A claim does not count as at fault where the driver was Not at fault and you give us the name and address of the person responsible, or where it is for windscreen or window glass only, or for theft, storm, hail or flood. Your rating affects only the premium; it does not change your cover.
Cancellation
You may cancel this Policy, or remove an Insured vehicle from it, at any time by telling us. We refund the premium for the unexpired Period of Insurance on a pro-rata basis, less any non-refundable government charges. If we have paid a Total loss of an Insured vehicle, no refund applies to that vehicle.
We may cancel this Policy only as the Insurance Contracts Act 1984 (Cth) allows, by giving you written notice as that Act requires, which is at least 30 days' written notice or any longer notice the Act requires. We refund the premium for the unexpired Period of Insurance on a pro-rata basis.
Cancellation does not affect a claim for loss, damage or liability that occurred before the cancellation took effect.
Cooling-off Period
You may cancel this Policy within the cooling-off period shown in the Default Schedule Values, which starts on the day the Policy is issued, by telling us in writing. We will refund the premium in full, less any non-refundable government charges, unless you have made a claim.
Other Insurance
If a loss covered by this Policy is also covered by another insurance policy, we will not refuse or reduce our payment because of that other insurance. We may seek contribution from the other insurer as the law allows. This does not apply where the Schedule or an Endorsement states that this Policy is excess of a specified underlying policy, in which case this Policy pays only after the limit of that specified policy is exhausted.
GST
Where you are entitled to an input tax credit for the GST on a payment we make, we reduce the payment by that entitlement. You must tell us the extent of your entitlement when you make a claim. Limits and Sums insured include GST unless the Schedule says otherwise.
Subrogation and Interested Parties
After we pay a claim, we may take recovery action in your name against any person responsible, and you must give us reasonable help with it. We will not take recovery action against an Insured person, or against a member of your family or household who was driving with your permission, unless the loss was caused by their deliberate or criminal act.
Where the Schedule names a financier or lessor as an interested party, we will pay a claim for the loss of or damage to that Insured vehicle to them, or to you and them jointly, to the extent of their interest.
Salvage
If we pay a claim for a Total loss, the salvage belongs to us. Before we sell it or dispose of it, we will offer you the chance to keep it at its salvage value, unless the law prevents the vehicle from being repaired or re-registered.
Fraudulent Claims
If a claim is made fraudulently, we may refuse to pay it, as s 56 of the Insurance Contracts Act 1984 (Cth) allows, and we may cancel the Policy. The Joint Insureds condition applies.
Joint Insureds
Where more than one person is shown in the Schedule as the Named insured, this Policy applies to each of them separately. A fraud, deliberate act or failure to comply with this Policy by one of them does not affect the cover of any other who did not know of it, did not take part in it and did not consent to it.
Complaints and Disputes
We are bound by the General Insurance Code of Practice. If you have a complaint about this Policy or a claim, contact us first. We will acknowledge your complaint within one business day and give you a written response within 30 calendar days. If you are experiencing financial hardship, you may ask us for help, as the Code provides. If you are not satisfied with our response, or we do not respond in time, you may take the complaint to the Australian Financial Complaints Authority (AFCA), www.afca.org.au, 1800 931 678, subject to its terms of reference. AFCA's service is free to you.
Privacy
We collect, use and disclose personal information in accordance with the Privacy Act 1988 (Cth) and our privacy policy, which explains how to access and correct it and how to complain about a privacy matter.
Sanctions
We do not provide cover, pay any claim or provide any benefit under this Policy to the extent that doing so would expose us to any sanction, prohibition or restriction under:
- the Autonomous Sanctions Act 2011 (Cth), the Charter of the United Nations Act 1945 (Cth), or regulations made under either Act; or
- the trade or economic sanctions laws of the United Kingdom, the United States of America or the European Union, to the extent they apply to us.
[WP REVIEW: confirm that naming the UK, US and EU regimes is appropriate for Australian capacity; this is a deliberate library-wide scope choice.]
Governing Law and Jurisdiction
This Policy is governed by the law of the State or Territory shown in the Schedule as the governing-law jurisdiction at inception. Each party submits to the non-exclusive jurisdiction of the courts of that State or Territory. [WP REVIEW: add a service-of-suit clause where the insurer is not APRA-authorised.]
Version of This Wording
The version of this wording that applies to your Policy is the version shown in the Schedule. A later version applies only from the next renewal, or from an earlier date we agree with you in writing.
Endorsement Library
An Endorsement applies only where its code is shown in the Schedule. Each modifies only the clauses it names, and is read together with the variables shown for it in the Schedule. Other terms of this Policy continue to apply. If a variable an Endorsement needs is not shown in the Schedule, the default in the Default Schedule Values applies; if there is none, the Endorsement does not apply until we show the variable in the Schedule.
| Code | Endorsement |
|---|---|
| E05 | Agreed Value |
| E06 | Increased Windscreen Cover |
| E10 | Extended Hire Vehicle |
| E14 | Electric and Hybrid Vehicles |
E05 Agreed Value
Each Insured vehicle shown in the Schedule for this Endorsement is insured for its Agreed value, and the Basis of Settlement provision settles a Total loss on that basis. The Agreed value is fixed at inception or renewal and does not change because the Schedule is reissued for another reason.
Schedule variables: vehicles covered; Agreed value of each.
Questions
- How many vehicles are insured for an agreed value? (Derived.)
qs.mot.vehicles.agreed_value_count
Default rules (the first rule that matches applies; agencies may set their own actions and thresholds)
- When
qs.mot.vehicles.agreed_value_count > 0: Apply automatically
Underwriter responses (on a referral or suggestion): Attach; Do not attach
Reason shown on the quote and schedule: Applies because {qs.mot.vehicles.agreed_value_count} vehicle(s) are insured for an agreed value.
E06 Increased Windscreen Cover
The windscreen and window glass additional benefit is increased to the amount shown in the Schedule for each Occurrence, and includes the recalibration of cameras and sensors mounted on the glass.
Schedule variables: windscreen limit each Occurrence.
Questions
- Do you want the windscreen benefit increased?
qs.mot.cover.windscreen_increased
Default rules (the first rule that matches applies; agencies may set their own actions and thresholds)
- When
qs.mot.cover.windscreen_increased == true: Offer as a priced option
Underwriter responses (on a referral or suggestion): Attach; Attach with amended sub-limit; Do not attach
Reason shown on the quote and schedule: Offered as an option to increase the windscreen benefit.
E10 Extended Hire Vehicle
The hire vehicle additional benefits are increased to the daily amount and period shown in the Schedule, and the benefit for hire after an accident applies whoever was at fault.
Schedule variables: daily amount; period.
Questions
- Do you want the hire vehicle benefit extended?
qs.mot.cover.hire_extended
Default rules (the first rule that matches applies; agencies may set their own actions and thresholds)
- When
qs.mot.cover.hire_extended == true: Offer as a priced option
Underwriter responses (on a referral or suggestion): Attach; Attach with amended sub-limit; Do not attach
Reason shown on the quote and schedule: Offered as an option to extend the hire vehicle benefit.
E14 Electric and Hybrid Vehicles
For each Insured vehicle that is electric or hybrid, the Cover for Your Vehicles section includes Accidental loss or damage to its traction battery, and to charging equipment you own at the garaging address and portable charging cables, up to the amount shown in the Schedule; and the Third Party Property Damage clause extends to liability arising from charging the vehicle. We do not pay for loss of battery capacity through age or use.
Schedule variables: charging equipment limit.
Questions
- How many vehicles are electric or hybrid? (Derived.)
qs.mot.vehicles.ev_count
Default rules (the first rule that matches applies; agencies may set their own actions and thresholds)
- When
qs.mot.vehicles.ev_count > 0: Apply automatically
Underwriter responses (on a referral or suggestion): Attach; Attach with amended sub-limit; Do not attach
Reason shown on the quote and schedule: Applies because {qs.mot.vehicles.ev_count} vehicle(s) are electric or hybrid.
Default Schedule Values
These are the defaults that apply where the Schedule does not show another amount. Each figure is a Schedule value: an issuer may vary it in the Schedule without amending this wording, subject to the Product Disclosure Statement. The Schedule may not set the third party property damage limit below the minimum amount that standard cover requires under the Insurance Contracts Regulations 2017 (Cth). Before an issuer varies a figure, it must check the change against the list of differences from standard cover that it gives you, and update that list if the change adds a difference.
| Clause | Item | Default |
|---|---|---|
| The Third Party Property Damage clause | Third party property damage limit each Occurrence | $20,000,000 |
| The Supplementary Bodily Injury extension | Supplementary bodily injury sub-limit each Occurrence | $5,000,000 |
| The Uninsured Motorist Damage extension | Uninsured motorist damage | $5,000 |
| The definition of Total Loss | Period before a stolen car is a Total loss | 14 days |
| The New Vehicle Replacement provision | Period from first registration; gross vehicle mass limit; most we pay | 24 months; 3.5 tonnes; 120% of the Sum insured |
| The Additional Benefits extension | Hire car after theft | $100 a day for up to 21 days |
| The Additional Benefits extension | Hire car after accident | $100 a day for up to 14 days |
| The Additional Benefits extension | Towing | $2,500 each Occurrence |
| The Additional Benefits extension | Emergency repairs | $750 each Occurrence |
| The Additional Benefits extension | Windscreen and window glass | $3,000 each Occurrence |
| The Additional Benefits extension | Personal effects | $1,000 each Occurrence |
| The Additional Benefits extension | Locks and keys | $1,500 each Occurrence |
| The Additional Benefits extension | Child seats and restraints | $750 each seat |
| The Additional Benefits extension | Emergency travel and accommodation | $1,000 each Occurrence; more than 100 km from home |
| The Additional Benefits extension | Trailer while attached | $2,000 each trailer |
| The Tell Us About Changes obligation | Notice before a changed premium or changed terms apply | 14 days |
| The Excesses condition | Basic excess | $750 |
| The Excesses condition | Age excess; age | $1,000 for a driver under 21; $600 for a driver aged 21 to 24 |
| The Excesses condition | Inexperienced driver excess; period | $500; licence held for less than 2 years |
| The Excesses condition | Unlisted driver excess | $800 |
| The No Claim Bonus condition | Steps lost for each at-fault claim | 2 |
| The Cooling-off Period condition | Cooling-off period | 21 days |
Licence and Trademark Notice
This wording's text is licensed under Creative Commons Attribution 4.0 International (CC BY 4.0). The licence applies to the wording text only. It does not extend to, and no licence is granted in, the "Meridian" name, the Cuttleflow Systems name, logo, bearing mark, or any other trademark, trade dress, or brand asset, all of which remain the property of their respective owners and may not be used without separate permission.
An adopting agency's own schedule, endorsements, and other materials prepared for use with this wording are not required to be released under CC BY 4.0 merely because they are used together with this wording; CC BY 4.0 requires only that you attribute the wording text you use.
This wording is provided for general use and adaptation. Adopting agencies and their advisers are responsible for obtaining their own legal, regulatory, and reinsurance advice before use, and use of this wording requires the approval of the relevant capacity provider, and a Product Disclosure Statement and target market determination where the law requires them. Any Wording Partner review and sign-off letter issued in respect of this wording runs to Cuttleflow Pty Ltd t/a Cuttleflow Systems only and does not constitute legal advice to any adopting agency or insured.
Designed for the Australian market. Assumes application of the Insurance Contracts Act 1984 (Cth). Users are responsible for their own legal review, regulatory compliance, and reinsurance alignment.
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