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Motor InsuranceProduct disclosure
statement andpolicy booklet
Edition 1
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Page 1 of 2
Motor Insurance SupplementaryProduct Disclosure StatementThis Supplementary Prduct Disclsure Statement (Supplementary PDS) updates, and shuld be read with, the
Mtr Insurance Prduct Disclsure Statement and Plicy Bklet (PDS) Editin 1. These dcuments tgether
with yur current Certificate f Insurance make up the terms and cnditins f yur insurance plicy with us.
SUPPLEMENTARY PDS 1.1
This Supplementary Prduct Disclsure Statement (Supplementary PDS) Editin 1.1 will apply t plicies with
a cmmencement date n r after 23 May 2011 r with a renewal effective date n r after 20 June 2011.
PERSoNAL ITEMS (PAGE 11 oF THE PDS)We have made a change to the personal items cover outlined on page 11 of the PDS to improve cover in relation tomotorcycles.
The words that appear under the heading Personal Items are deleted and replaced with the following:
If we agree to pay your claim and your personal items suffer loss or damage caused by an incident:
we will:
payupto$500ifyourvehicleisamotorvehicletoreplaceorrepairthoseitems,
payupto$2000ifyourvehicleisamotorcycletoreplaceorrepairitemsthatarewornbyyouandyourpassengertoprovideprotectionfrominjurywhenyouareridingyourmotorcyclesuchasprotectivehelmets,jackets,boots,andtrousers.Themostwewillpayforanyoneitemis$1000.
Continued over page
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Page 2 of 2
not covered:
mobilephones
cash
babycapsulesandchildseats(forcoverfortheseitemsseepage11column3ofthePDS)
standardequipment,modifications,optionsoraccessoriesexceptiftheyareprotectiveitemsthatyouoryour
passenger were wearing when riding your motorcycle itemslostordamagedasaresultoftheftorattemptedtheft.
FINANCIAL CLAIMS SCHEME
Ifwebecomeinsolvent,thispolicymaybeprotectedundertheFederalGovernment'sFinancialClaimsSchemeadministered by APRA. This means that if you meet certain eligibility criteria you may receive payment under the scheme.Formoreinformationpleaseseewww.apra.gov.auorcontacttheAPRAhotlineon1300131060.
InsuranceAustraliaLimitedABN11000016722
AFSLicenceNo.227681tradingasNRMAInsurance
388GeorgeStreetSydneyNSW2000G014096 04/11
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1
Thank you for choosingNRMA InsuranceBy choosing NRMA Insurance, youre choosing to get on with the life you
enjoy and stop thinking about the what ifs.
NRMA Insurance has been helping people for many years. We want to make
things simple when it comes to insurance from being clear about what
you're covered for, to less complicated claims.
This booklet tells you what you need to know about your insurance policy.
If theres anything you dont understand or need help with, just give us a
call on 132 132 or visit an NRMA ofce.
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Contents I you cannot fnd what you are looking or here, please go to the index on page 46.Features & Benefts 4
Our agreement with you 5
What your Policy covers 6
Comprehensive Insurance 7
- Coverforlossordamage 7
- Windscreen,sunroof&windowglassdamage 7
- Keys,locks&barrels 8
Additional cover 9
- Hirecaraftertheftorattemptedtheft 9
- Newreplacementvehicle 10 - Storagecosts 10
- Personalitems 11
- Towing 11
- Babycapsules&childseats 11
- Trailerorcaravandamage 12
- Emergencyrepairs 12
Optional cover 13
- Hirecaroption 13
- Windscreenoption 14
Third Party Fire & Thet Insurance 15
- Coverforre&theftlossordamage 15
- Limitedcoverforaccidentdamagetoyourvehicle 15
-Uninsuredmotoristdamage 15 -Insuredmotoristdamage 16
Additional cover 17
- Towing 17
- Hirecaraftertheftorattemptedtheft 17
- Storagecosts 18
- Emergencyrepairs 18
Third Party Property Damage Insurance 19
- Uninsuredmotoristdamage 19
Additional cover 19
- Towing 19
Cover or all types o Insurance 20
- Liabilitycoverfordamageyoucausetosomeoneelse'sproperty 20
- Legalrepresentation 21 - Youruninsuredloss 22 - Helplinebenets 22
Things that may aect cover 23
- Generalexclusions 23
-Drivingundertheinuenceofalcoholordrugs 24
-Unlicenseddrivers 24 -Impropervehicleuse 24
- Yourresponsibi litieswhenyouareinsuredwithus 25
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Claiming under your Policy 26
Your responsibilities when making aclaim under this Policy 27
Excesses 28 - Whatisanexcess? 28 - Whenanexcessapplies 28 - Whenanexcessdoesnotapply 28
How we settle a claim 29
Repairing your vehicle 29
- Choosingarepairer 29 - Partsusedwhenrepairingyourvehicle 30
Lietime guarantee o repairs 30
The Motor Vehicle Insurance and Repair
Industry Code o Conduct 30
I your vehicle is a total loss
- ComprehensiveInsurance 31
- ThirdPartyFireandTheftInsurance 31 - Uninsuredmotoristdamage 32
- Insuredmotoristdamage 32Recovery against another party 32
I you are a business registered or required to be
registered or GST purposes and entitled to an
input tax credit 32
Credit provider's rights 33
More about this Policy 34
How we work out your premium 35 Discountsyoumaybeeligiblefor 35
Paying your premium - what you should know 36
- Unpaidannualpremium 36
- Unpaidmonthlyinstalments 36
Making changes to your Policy 37
- YouwanttomakechangestoyourPolicy 37
- Yousellorgiveawayyourvehicle 37
- Youchangevehicles 37 - YouwanttocancelyourPolicy 38
- WewanttocancelyourPolicy 38
- Wewanttogiveyouwrittennotice 38
How to resolve a complaint or dispute 39
General Insurance Code o Practice 39
Privacy o your personal inormation 40
Privacy o your personal inormation
or marketing purposes 41
Defnitions (words with special meaning) 42
Claim payment examples 44
Index 46
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Third Party
Summary o covers Comprehensive Third Party PropertyFire & Thet
Damage
Features & Benefts
BelowisasummaryofsomeofthefeaturesandbenetsofthisPolicydependingonthetypeofcoveryouchoose.Thissummaryisintendedasaguideonly.Forfulldetailsofcoverincludingexclusions,pleasereadthepagesthatfollow.
Cover or accidental damage to your vehicle
Cover or re and thet
Cover or food, storm or a malicious act
Automatic cover or modications
Cover or damaged personal items
Hire car cover ater thet or attempted thet
Cover or emergency repairs
Liability cover
24 month replacement vehicle
Maximum No Claim Discount or Lie
24/7 paperless claims service
Choice o repairer
24/7 emergency assistance when travelling (Helpline benets)
Lietime guarantee on repairs we authorise
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Our agreement with youYourMotorInsurancePolicyisacontractbetweenyouandusmadeupof: yourcurrentCerticateofInsurance,and
thisProductDisclosureStatementandPolicyBooklet(PDS),and anyapplicableSupplementaryPDS.
Paying your premium
Inreturnforthepaymentofyourpremium,wewillprovidethecoveryouhavechosen.Youcanelecttopayyourpremiumonanannualbasis,orbymonthlyinstalments(seepage36fordetailsofhowtopayyourpremiumandwhathappensifyoufailtopay).
21 day cooling-o period
Youhaveacooling-offperiodthatallowsyoutocancelyourPolicywithin21daysofitbeingissuedifyoutelluswithinthisperiod.IfyouhavenotmadeanyclaimsonyourPolicy,wewillrefundinfullthepremiumyouhavepaid.
Words with special meaning
SomewordsinthisPDShavespecialmeaning.PleaserefertotheDenitionssectiononpage42formoredetails.
GST
AlldollarvaluesdescribedinthisPDSincludeGST.
Special conditions
WemayimposespecialconditionsonyourPolicythatmayexclude,restrictorextendcoverforapersonoraparticularmatter.Forexample,wemaynotoffercoverforastormorbushrewithintherst48hoursofthestartofthePolicy.AnyimposedconditionswillbelistedonyourcurrentCerticateofInsurance.
Co-insureds
Ifmorethanonepersonisnamedastheinsured,wewilltreatastatement,act,omissionorclaimbyanyoneofthesepeopleasastatement,act,omissionorclaimbyallofthosepeople.
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YourPolicycoversyourmotorvehicleormotorcyclethatislistedonyourcurrentCerticateofInsurance.
ThisisreferredtoasyourvehicleinthisPDS.
Therearethreedifferenttypesofinsurancetochooseforyourvehicle: ComprehensiveInsurance ThirdPartyFire&TheftInsurance ThirdPartyPropertyDamageInsurance.
ThetypeofinsuranceyouhavechosenwillbelistedonyourcurrentCerticateofInsurance.Thescopeofyourcoverdependsuponthetypeofinsuranceyouhavechosen.
YourPolicyprovidescoverforincidentsthatoccurintheperiodofinsurancesetoutonyourcurrentCerticateofInsurance.
Ifyoumakeaclaim,youmayneedtopayanexcess.Also,yourNoClaimDiscountandanyfuture
premiummaybeaffected.
What your Policy covers
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IfyourMotorVehiclesufferslossordamage,wehaveagreedtopayyourclaim,wewillprovidethecoverslisted
Comprehensive Insurance
IfyouholdComprehensiveInsurancewewillprovidecoverasdescribedonpages7to14.
ComprehensiveInsurancealsoincludesthefollowingcoverdescribedinthesectionCoverforalltypesofinsurance:
Liabilitycoverfordamageyoucausetosomeoneelse'spropertyseepage20
Legalrepresentationseepage21
Youruninsuredlossseepage22
Helplinebenetsseepage22.
Cover or loss or damage
Wewillcoverlossordamagetoyourvehiclecausedbyanyofthefollowingincidents: anaccidentincludingacollision ood re
maliciousact storm theftorattemptedtheft.
we will decide whether to:
repairyourvehicle,or payyouthecostofrepairingyourvehicle,or
payyoutheagreedormarketvalue,
dependingonthecoverlistedonyourcurrentCerticateofInsurancelessanyapplicabledeductions(seepage31fordetails).
Windscreen, sunroo & window
glass damage
Ifonlyyourvehicleswindscreen,sunrooforwindowglassisdamagedasaresultofanincidentdescribedonthispageundertheheadingCoverforlossordamage:
we will:
repairorreplacethewindscreen,sunrooforwindowglass,or
payyouthecostofrepairingorreplacingthewindscreen,sunrooforwindowglass.
you need to:
payanybasicexcess,butnotanageor
specialexcess.
SeeThingsthatmayaffectcoveronpages23to25forimportantpolicyexclusionsthataffectallcover.Theseareinadditiontoanylimitationstocoverdescribedonpages7to14.
Forexamplesofhowwecalculateaclaimforlossordamagetoyourvehicle,pleaseseeexamples1and2intheClaimpaymentexamplesonpage44.
Com
preh
en
sive
Tobecoveredforwindscreen,sunroofandwindowglassrepairsorreplacementwithouttheneedtopayabasicexcess,seetheWindscreenoptiononpage14.
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Keys, locks & barrels
Ifthekeysofyourvehiclearestolen:
we will:
payupto$1,000overandaboveanybasicexcessthatappliestoyourPolicy
toreplaceorre-codeyourvehicleskeys,locksandbarrels.
you need to:
reportthetheftofthekeystothePolice.
Comprehen
sive
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IfyourMotorVehiclesufferslossordamage,wehaveagreedtopayyourclaim,wewillprovidethecoverslisted
Comprehensive Insurance Additional cover
Ifyoumakeaclaimforanincidentdescribedonpage7undertheheadingCoverforlossordamage,youmaybe
entitledtooneormoreofthefollowingadditionalcovers.
Hire car ater thet or
attempted thet
Ifweagreetopayyourclaimasaresultoftheftorattemptedtheftofyourvehicleanditcannotbedrivenorisunsafetodrive,wewillpayforthecostofahirecaruptoa
maximumof$50perday: uptoamaximumof21days,or untilyourvehicleisrecoveredandrepaired,or
untilwepayyourclaimifyourvehicleisatotalloss
whicheveristheshortestperiodoftime.
you need to:
payforthehirecarrst,and provideuswiththehirecaragreementandreceiptforpaymentofthehirecar.
not covered:
runningcostsofthehirecar additionalhirecarcosts lossordamagetothehirecar liabilityarisingfromtheuseofthehirecar(exceptasdescribedunderHirecar
excessandbondscoverseethispage).
Wearenotresponsibleforensuringahirecarisavailable.
Hire car excess and bonds
Wewillpayyouupto$2,000intotalforanyexcessyouarerequiredtopay,andtheamountofsecuritybondforfeitedunderahirecaragreementif: wehaveagreedtopayforthecostof
thehirecarunderHirecaraftertheftorattemptedtheftcover(seethispage),and
theexcessorsecuritybondispayableasaresultoflossordamagetothehirecarorlossordamagecausedbythehirecarduringthehireperiodwecover.
you need to:
provideuswithacopyofthehirecar
agreement,and providereceiptsforanyamountsbeingclaimed.
Forhirecarafteranincidentotherthantheftorattemptedtheft,pleaseseeHirecaroptiononpage13. C
om
preh
en
sive
SeeThingsthatmayaffectcoveronpages23to25forimportantpolicyexclusionsthataffectallcover.Theseareinadditiontoanylimitationstocoverdescribedonpages7to14.
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New replacement vehicle
Ifyourvehicleisconsideredbyustobeatotallossandweagreetopayyourclaim,youcanchoosetohaveyourvehiclereplaced,if:
youhaveboughtyourvehiclenew,oryoupurchasedademonstratorvehicle,and
thevehicleisintherst24monthsofitsregistrationatthetimeoftheincident,and
areplacementvehicleisavailableinAustraliawhichisofthesamemake,model,enginesize,equipmentlevelandpainttype,and
wehaveagreementfromanycreditprovidernotedonyourcurrentCerticateofInsuranceifapplicable,and
thevehiclehasatareweightoflessthan2.5tonnes.
we will:
replaceyourvehiclewithavehicleofthesamemake,model,enginesize,equipmentlevelandpainttype
replaceanymodications,optionsoraccessories
paytherst12monthsregistrationand
CompulsoryThirdParty(CTP)Insurance,ifapplicable,onthereplacementvehicle.
you need to:
payusany - excessthatapplies, - outstandingpremium,includingthe
balanceofallmonthlyinstalments, - refundyoureceivefromtheregistration
andCTPInsuranceoveryourvehicle.
I your vehicle is replaced:
yourPolicycomestoanendandnorefundofpremiumisdue,and
yourvehiclebecomesourproperty.
Storage costs
Ifweagreetopayyourclaimandasaresultofanincidentyourvehicleisreasonablyrequiredtobeheldinstorage:
we will:
paythereasonablestoragecostsforyourvehiclefromthetimetheclaimislodged.
Youcanarrangecoverforyourreplacementvehiclebycalling
132132orvisitanNRMAofce.
Foranexampleofhowwecalculateaclaimforanewreplacementvehicle,pleaseseeexample3intheClaimpaymentexamplesonpage44.
Comprehen
sive
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Personal items
Ifweagreetopayyourclaimandpersonalitemsinyourvehiclesufferlossordamagecausedbyanincidentexcepttheftorattemptedtheft:
we will: payupto$500toreplaceorrepairthepersonalitemsifyourvehicleisamotorvehicle,
payupto$500toreplaceyourhelmetifyourvehicleisamotorcycle.
not covered:
personalitemsotherthanahelmetifyourvehicleisamotorcycle
mobilephones cash babycapsulesandchildseats(forcoverfortheseitemsseethispage)
standardequipment,modications,optionsoraccessories.
Towing
Ifweagreetopayyourclaimandyourvehiclecannotbedrivenorisunsafetodriveandrequirestowingasaresultofanincident:
we will: paythecostofonetowtogetyourvehiclefromthesceneoftheincidentto:
- thenearestrepairerrecommendedbyus,or
- arepairmanagementcentre,or - arepairernominatedbyyou,or - aplaceofsafety.
Ifmorethanonetowisrequired,wewilldecidewhichonewewillpayfor.
Baby capsules & child seats
Ifweagreetopayyourclaimandanybabycapsuleorchildseatinyourvehicleisstolenordamagedasaresultofanincident:
we will:
payupto$500peritem,towardsreplacingeachbabycapsuleorchildseat.
Com
preh
en
sive
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Comprehen
sive
Trailer or caravan damage
Ifweagreetopayyourclaimandyourtrailerorcaravansufferslossordamageasaresultofanincidentwhileattachedtoorbeingtowedbyyourvehicle:
we will: payupto$1,000towardsrepairingorreplacingyourtrailerorcaravan.
not covered:
damagetothecontentsofthetrailerorcaravan.
Emergency repairs
Ifweagreetopayyourclaimandyouhavemadeemergencyrepairstoyourvehicleasaresultofanincident:
we will:
coveranyemergencyrepairsupto$500withoutanyprioragreementbetweenyouandus.
you need to:
keepthereceiptsforallrepairs.
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Comprehensive Insurance Optional cover
IfyouholdComprehensiveInsurance,youmayaddthefollowingoptionstoyourPolicybypayinganyadditionalpremiumthatapplies.
AnyoptionsyouhavechosenwillbelistedonyourcurrentCerticateofInsurance.
Hire car option
Ifyouhavechosenthisoptionandyourvehiclecannotbedrivenoritisunsafetodriveasaresultofanincidentdescribedonpages7and8andweagreetopayyourclaim:
we will:
payforthecostofahirecaruptoamaximumof$50perday:
- uptoamaximumof14days,or - untilyourvehicleisrepaired,or - untilwepayyourclaimifyourvehicleis
atotalloss whicheveristheshortestperiodoftime.
you need to:
payforthehirecarrst,and provideuswiththehirecaragreementandreceiptforpaymentofthehirecar.
Thisoptiondoesnotapplyiftheincidentistheftorattemptedtheft.
not covered:
runningcostsofthehirecar additionalhirecarcosts lossordamagetothehirecar liabilityarisingfromtheuseofthehirecar(exceptasdescribedunderHirecar
excessandbondscoverseethispage).
Wearenotresponsibleforensuringahirecarisavailable.
Hire car excess and bonds
Wewillalsopayyouupto$2,000intotalforanyexcessyouarerequiredtopay,andtheamountofsecuritybondforfeitedunderahirecaragreementif:
wehaveagreedtopayforthecostofthehirecarundertheHirecaroption(seethispage),and
theexcessorsecuritybondispayableasaresultoflossordamagetothehirecarorlossordamagecausedbythehirecarduringthehireperiodwecover.
you need to:
provideuswithacopyofthehirecaragreement,and providereceiptsforanyamountsbeingclaimed.
SeeThingsthatmayaffectcoveronpages23to25forimportantpolicyexclusionsthataffectallcover.Theseareinadditiontoanylimitationstocoverdescribedonpages7to14.
ForhirecaraftertheftorattemptedtheftpleaseseeHirecaraftertheftorattemptedtheftonpage9.
Com
preh
en
sive
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Comprehen
sive
Windscreen option
Ifyouhavechosenthisoption,youwillnotneedtopayanyexcesswhenonlyyourvehicleswindscreen,sunrooforwindowglassisdamagedasaresultofanincidentdescribedonpage7undertheheading
Coverforlossordamage:
we will:
repairorreplacethewindscreen,sunrooforwindowglass,or
payyouthecostofrepairingorreplacingthewindscreen,sunrooforwindowglass.
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Third Party Fire & ThetInsurance
IfyouholdThirdPartyFire&TheftInsurancewewillprovidecoverasdescribedonpages15to18.
ThirdPartyFire&TheftInsurancealsoincludesthefollowingcoverdescribedinthesectionCoverforalltypesofinsurance.
Liabilitycoverfordamageyoucausetosomeoneelse'spropertyseepage20
Legalrepresentationseepage21
Youruninsuredlossseepage22
Helplinebenetsseepage22.
Cover or fre & thet loss
or damage
Wewillcoverlossordamagetoyourmotorvehicleupto$10,000causedbyeitherofthefollowingincidents: re
theftorattemptedtheft.
we will decide whether to:
repairyourvehicle,or payyouthecostofrepairingyourvehicle,or
payyouthemarketvaluelessanyapplicabledeductions(seepage31fordetails).
Themostwewillpayis$10,000.
Limited cover or accident
damage to your vehicle
Ifyouarenotatfaultinacollisionweprovidelimitedcoverforthedamagetoyourvehiclebaseduponwhetherthepersonatfaultwas:
uninsuredforthedamagetoyourvehicle,or insuredforthedamagetoyourvehicle.
Uninsured motorist damage
Wewillprovideyoulimitedcoverupto$5,000fordamagetoyourvehicleif:
- yourvehicleisdamagedinacollisionwithanothervehicle,and
- weagreethecollisionwasentirelythe
otherdriver'sfault,and - youcanprovideuswiththeregistrationoftheothervehicle,andthenameandresidentialaddressoftheotherdriver,and
- thedamageismorethanthebasicexcessthatappliestoyourPolicy,and
- thedriveroftheothervehicleisuninsuredforyourdamage.
Th
irdP
art
y
Fire&Th
et
SeeThingsthatmayaffectcoveronpages23to25forimportantpolicyexclusionsthataffectallcover.Theseareinadditiontoanylimitationstocoverdescribedonpages15to18.
Forexamplesofhowwecalculateaclaimforreortheft,pleaseseeexamples1and4intheClaimpaymentexamplesonpages44to45.
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ThirdParty
Fire&Thet
we will decide whether to:
repairyourvehicle,or payyouthecostofrepairingyourvehicle,or payyouthemarketvalueofyourvehicle,lessanyapplicabledeductions(seepage32fordetails).
Insured motorist damage
Wewillprovideyoulimitedcoverupto$5,000fordamagetoyourvehicleif:
- yourvehicleisdamagedinacollisionwithanothervehicle,and
- weagreethecollisionwasentirelytheotherdriver'sfault,and
- youcanprovideuswiththeregistrationoftheothervehicle,andthenameand
residentialaddressoftheotherdriver,and
- thedamageismorethanthebasicexcessthatappliestoyourPolicy,and
- thedriveroftheothervehicleisinsuredandentitledtocoverforyourdamage.
you must:
payusanadministrationchargeof$300.
we will decide whether to:
repairyourvehicle,or payyouthecostofrepairingyourvehicle,or payyouthemarketvalueofyourvehicle,lessanyapplicabledeductions(seepage32fordetails).
ForexamplesofhowwecalculateaclaimforUninsuredmotoristdamageorInsuredmotoristdamage,pleaseseeexamples1,5and6intheClaimpaymentexamplesonpages44to45.
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Third Party Fire &Thet Insurance Additional cover
Ifweagreetopayyourclaimforanincidentdescribedonpages15and16undertheheadingCoverforre&theftlossordamageorUninsuredmotoristdamageorInsuredmotoristdamage,youmaybeentitledtooneormoreofthefollowingadditionalcovers.
Towing
Ifweagreetopayyourclaimandyourvehiclecannotbedrivenorisunsafetodriveandrequirestowingasaresultofanincident:
we will:
paythecostofonetowtogetyourvehiclefromthesceneoftheincidentto:
- thenearestrepairerrecommendedbyus,or
- arepairmanagementcentre,or - arepairernominatedbyyou,or - aplaceofsafety.
Ifmorethanonetowisrequired,wewill
decidewhichonewewillpayfor.
Hire car ater thet or
attempted thet
Ifweagreetopayyourclaimasaresultoftheftorattemptedtheftofyourvehicleanditcannotbedrivenorisunsafetodrive,wewillpayforthecostofahirecaruptoa
maximumof$50perday: uptoamaximumof21days,or untilyourvehicleisrecoveredandrepaired,or
untilwepayyourclaimifyourvehicleisatotalloss,
whicheveristheshortestperiodoftime.
you need to:
payforthehirecarrst,and provideuswiththehirecaragreementandreceiptforpaymentofthehirecar.
not covered:
runningcostsofthehirecar additionalhirecarcosts lossordamagetothehirecar liabilityarisingfromtheuseofthehirecar(exceptasdescribedunderHirecar
excessandbondscoverseepage18).
Wearenotresponsibleforensuringahirecarisavailable.
Th
irdP
art
y
Fire&Th
et
SeeThingsthatmayaffectcoveronpages23to25forimportantpolicyexclusionsthataffectallcover.Theseareinadditiontoanylimitationstocoverdescribedonpages15to18.
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ThirdParty
Fire&Thet
Hire car excess and bonds
Wewillalsopayyouupto$2,000intotalforanyexcessyouarerequiredtopay,andtheamountofsecuritybondforfeitedunderahirecaragreementif: wehaveagreedtopayforthecostofthehirecarunderHirecaraftertheftorattemptedtheft(seepage17),and
theexcessorsecuritybondispayableasaresultoflossordamagetothehirecarorlossordamagecausedbythehirecarduringthehireperiodwecover.
you need to:
provideuswithacopyofthehirecaragreement,and
providereceiptsforanyamountsbeingclaimed.
Storage costs
Ifweagreetopayyourclaimandasaresultofanincidentyourvehicleisreasonablyrequiredtobeheldinstorage:
we will:
paythereasonablestoragecostsforyourvehiclefromthetimetheclaimislodged.
.
Emergency repairs
Ifweagreetopayyourclaimandyouhavemadeemergencyrepairstoyourvehicleasaresultofanincident:
we will:
coveranyemergencyrepairsupto$500withoutanyprioragreementbetweenyouandus.
you need to:
keepthereceiptsforallrepairs.
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Third Party PropertyDamage Insurance
IfyouholdThirdPartyPropertyDamageInsurancewewillprovidecoverasdescribedonthispage.
ThirdPartyPropertyDamageInsurancealsoincludesthefollowingcoverdescribedinthesectionCoverforalltypesofinsurance:
Liabilitycoverfordamageyoucausetosomeoneelse'spropertyseepage20
Legalrepresentationseepage21
Youruninsuredlossseepage22
Helplinebenetsseepage22.
Uninsured motorist damage
Thisprovideslimitedcoverfordamagetoyourvehiclewhenyouarenotatfaultinacollision(Liabilitycoverfordamageyoucausetosomeoneelse'spropertyonpage20).
wewillprovideyouwithlimitedcoverupto$5,000forlossordamagetoyourvehicleif:
- yourvehicleisdamagedinacollisionwithanothervehicle,and
- thedriveroftheothervehicleisuninsuredforthedamage,and
- weagreethecollisionwasentirelytheotherdriver'sfault,and
- youcanprovideuswiththeregistrationnumberoftheothervehicle,andthenameandresidentialaddressoftheotherdriver,and
- thedamageismorethanthebasicexcessthatappliestoyourPolicy.
we will decide whether to:
repairyourvehicle,or payyouthecostofrepairingyourvehicle,
or payyouthemarketvalueofyourvehicle,lessanyapplicabledeductions(seepage32).
Third Party PropertyDamage Insurance Additional cover
Towing
IfweagreetopayyourclaimunderUninsuredmotoristdamageandyourvehiclecannotbedrivenorisunsafetodriveandrequirestowingasaresultofacollision,
we will:
paythecostofonetowtogetyourvehiclefromthesceneoftheincidentto:
- thenearestrepairerrecommendedbyus,or
- arepairmanagementcentre,or - arepairernominatedbyyou,or - aplaceofsafety.
Ifmorethanonetowisrequired,wewilldecidewhichonewewillpayfor.
T
hirdP
art
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SeeThingsthatmayaffectcoveronpages23to25forimportantpolicyexclusionsthataffectallcover.Theseareinadditiontoanylimitationstocoverdescribedonthispage.
ForexamplesofhowwecalculateaclaimforUninsuredmotoristdamage,pleaseseeexamples1and5intheclaimpaymentexamplesonpages44to45.
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ForalltypesoInsurance
Cover or all types oInsurance
Ifyouholdanytypeofinsurance,wewillprovidecoverasdescribedinthefollowingsections:
Liabilitycoverfordamageyoucausetosomeoneelse'sproperty-seethispage
Legalrepresentation-seepage21
Youruninsuredloss-seepage22
Helplinebenets-seepage22
Liability cover or damage you
cause to someone else's property
Underliabilitycover,weprotectyouifsomeonemakesaclaimagainstyouforlossordamagetotheirproperty.
Forexample,ifyouareatfaultinanaccidentanddamagesomeonesvehicle.
Who we will cover
Wewillcover: you,or anydriver,or anypassenger,or youremployer,includingthegovernment,yourbusinesspartnerorprincipalwhen:
- youareusingorareinchargeofyourvehicleastheiremployee,businesspartneroragentoftheprincipal,or
- yougivepermissionforyourvehicletobeusedbyanotheremployee,businesspartneroragentoftheprincipal.
Yourprincipalisapersonwithwhomyouhaveanexpressagreementtoactas
theiragent.
What we will cover
Wewillcovertheliabilityofapersonwecoverforanyclaimagainstthemarisingfromlossordamagetosomebodyelsesproperty,inanincidentthatiscausedbytheuseofyourvehicle.
We will also:
actfor,orarrangerepresentationforthepersonwecover
attempttoresolvetheclaimifweconsiderthatthepersonwecoverisatfaultforthelossordamage
defendtheclaiminacourtortribunalifweconsiderthatthepersonwecoverisnotatfaultforthelossordamage.
Itisourchoicewhetherwedefendorresolvetheclaimand,ifweresolvetheclaim,howmuchwepaytoresolvetheclaim.
Themostwewillpayinrelationtoanyoneincidentis$20million.Inaddition,wewillpaylegalcostswhenourlawyersactinconnectionwiththeclaim.
SeeThingsthatmayaffectcoveronpages23to25forimportantpolicyexclusionsthataffectallcover.Theseareinadditiontoanylimitationstocoverdescribedonpages20to22.
Forexamplesofhowwecalculatealiabilityclaimandlegalcosts,pleaseseeexample7intheClaimpaymentexamplesonpage45.
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Substitute vehicle
Inthesamewaywecoverliabilityfortheuseofyourvehicle,wealsocoverliabilitycausedbytheuseofasubstitutevehicle(forthemeaningofsubstitutevehicle,seepage43).
When we provide liability cover
Tobeentitledtoliabilitycover: theincidentmustoccurduringtheperiodofinsurancesetoutonyourcurrentCerticateofInsurance
thepersonwecovermustbeclaimedagainstbythepersonwhosepropertyislostordamagedintheincidentandmustlodgeaclaimforliabilitycoverwithusunderyourPolicy
ifthepersonwecoverisnotyouandthatpersonwasdrivingthevehicletheymust,atthetimeofincident,havehadyourpermissiontodrivethevehicle
ifthepersonwecoverisnotyouandthatpersonwasapassengertheymust,atthetimeoftheincident,havehadyourpermissiontobeinthevehicleorthepermissionofapersonwhohasyourpermissiontodrivethevehicle.
When you are not entitled to
liability cover
wedonotcoveranyclaimfororarisingfrominjuryordeathfromanincident
wewillnotcoverdamagetopropertythatyou,orthepersonwecover,ownorhaveintheircustody,controlorpossession
wewillnotcovertheliabilityofanypassengerwhowasundertheinuenceofanyalcoholordrugatthetimeoftheincident
wedonotcoveranyexemplaryorpunitivedamages,nesorpenaltiesclaimed,orderedorawardedagainstyouorthepersonwecover.
Legal representation
Ifyourvehicleisinvolvedinanincidentwhichresultsinyouoradriverofthevehiclewhohaspermissiontodriveyourvehicleneedinglegalrepresentationasaresultofthatincident:
wewillpaythereasonablecostsoflegalrepresentationifyouorthatdriverneedstoberepresentedbeforeacoronerconductinganinquiry
wemaychoosetopaythereasonablecostsoflegalrepresentationifyouorthatdriverneedstoberepresentedbeforeamagistrate.
Themostwewillpayforanylegal
representationis$10,000.
you must:
contactusbeforeincurringthesecostsotherwisewemaynotcoveryouforthesecosts.
For
alltypeso
Insuran
ce
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ForalltypesoInsurance
Your uninsured loss
Ifwepayyourclaim,andtakestepstorecoverfromathirdpartysomeoralloftheamountwepayyou,wemay,ifwechooseto,alsoattempttorecoveronyourbehalf,lossordamagewhichisnotcoveredbyyourPolicybutthat
yousufferinconnectionwiththeincident.
Thismeanswemaydecidetorecoveryouruninsuredloss,aswellasourclaimpayments,fromathirdparty.
you must:
havetoldusaboutyouruninsuredlossandaskedustoseekrecoveryofit,
provideuswithanydocumentsyouhave
thatproveyouruninsuredloss,and haveenteredintoanagreementaboutthetermsonwhichwe,orourrecoveryagentsorlawyers,willrecoveryouruninsuredlossonyourbehalf.Youmayneedtocontributeyourshareofanylegalorrecoveryagentscosts.
Ifwetakestepstorecoverourclaimpaymentsyouagreethatwecanretainany
amountwerecover.
not covered:
Wewillnotseekrecoveryoflossordamagecoveredunderanotherinsurancepolicyoranylossordamagefororarisingfrompersonalinjuryordeath.
Helpline benefts 132 900
24 hour assistance
Helplineisatelephoneservicethatprovidesassistanceandadvice24hoursaday,sevendaysaweek.Thelevelofassistanceandtherangeofbenetsavailabletoyouvaries
accordingtothetypeofcoveryouhavechosen.
Helplineprovidesassistance: overthephonewhiletravelling withaccidents withillnessorinjuries withillnessorinjuriesthatneedhospilisation
withillnessorinjuriesthatinterruptadrivingtrip
ifsomeonetravellingwithyoudies ifsomeonenottravellingwithyoudies ifyourvehicleisstolen.
22
FordetailsonthebenetsofHelplinepleaserefertoourNRMAMotorInsuranceHelplineBenetsGuide,locatedatwww.nrma.com.au/motorhelplineorcontactuson132900orvisitanNRMAofce.
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hingsth
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Things that may aectcover
Insomesituations,wemaynotcoveryouatallorwemaylimitthecoverwegiveyouunderyourPolicy.Theseareknownas
exclusions.Weoutlinetheexclusionsinthefollowingsections.
General exclusions
Theexclusionsshownonpages23to24applytoallcoverunderyourPolicy.Thesesectionsalsoapplytoliabilitycover.
Exclusions or liability cover
TheexclusionsforliabilitycoverareshownunderWhenyouarenotentitledtoliabilitycoveronpage21.
Other exclusions
Throughoutthisbooklet,weoutlineotherexclusionsthatapplytospecicsituationsandthelimitsonyourcover.
Your responsibilities when you
are insured with us and whenyou make a claim
Whenyouareinsuredwithusandwhenyouneedtomakeaclaim,youmustmeetcertainresponsibilities.Weoutlineyourresponsibilitiesonpages25and27.
General exclusions
Theexclusionsonthispageandpage24applytoallcoverunderyourPolicy.
not covered:
lossordamagethatoccursoutside
Australia lossordamagelessthananyapplicableexcesses
claimsarisingfromincidentsthatoccuroutsidetheperiodofinsurancelistedonyourcurrentCerticateofInsurance
tyredamagecausedbyroadcuts,punctures,burstsorbraking
mechanical,structural,electronicorelectricalfailures
repairstoolddamage deterioration,wear,tear,rust,erosionorotherformsofcorrosion
lossthatoccursbecauseyoucannotuseyourvehicleexcepttotheextentyourPolicyprovidesyouwithhirecarcover
thecostofxingfaultyrepairs lossordamagetoyourvehiclewhileitisonconsignment
depreciation lossofthevalueofyourvehicle.
not covered:
lossordamagecausedintentionallybyyou,orapersonactingwithyourexpressorimpliedconsent
lossordamagecausedbyorarisingfrom: - theseizure,impoundment,saleor
destructionofyourvehiclebyanylawenforcementorgovernmentagency
- anyhostilities,rebellion,riot,civilcommotionorwarwhetherwarhasbeenformallydeclaredornot
- theuse,existence,orescapeofanynuclearorradio-activematerial
- anyactofterrorismthatinvolvesbiological,chemicalornuclearpollutionorcontamination
- thedischargeofanypollutantorcontaminantfromyourvehicleorasubstitutevehicle
- abreachofcontractoranobligationunderacontract
- afailuretosecureyourvehicle,orleavingyourvehicleinanunsafepositionafterit:
brokedown,or sufferedaccidentaldamage,or wasstolenandthenfound.
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24
Thingstha
tmayaectcov
er
Driving under the inuence o alcohol
or drugs
If,atthetimeofanincident,thedriverofyourvehicleorasubstitutevehicle: wasundertheinuenceofanyalcoholordrug;or
hadabloodalcohollevelhigherthanthe
levelpermittedbylawwewillrefuseanyclaimunless:
youwerenotthedriverandyoucansatisfyusyouhadnoreasontosuspectthatthedriverwasaffectedbyalcoholoranydrug.Evenifweagreetopayyourclaimforlossordamagetoyourvehicle,thedriverwillhavenoliabilitycoverandwemayseek
recoveryofanamountfromthisdriver.
Driving unlicensed
If,atthetimeofanincident,thedriverofyourvehicleorasubstitutevehicle: didnotholdalicence,or wasacancelled,suspendedordisqualieddriver,or
wasalearnerdrivernotaccompaniedby
alicenseddriverwhoholdstheclassoflicencerequiredbythelearner'spermit,or
didnotholdtheappropriateclassoflicenceforthevehicle
wewillrefuseanyclaimunless:
youwerenotthedriverandyoucansatisfyusyouhadnoreasontosuspectthatanyofthesemattersappliedtothedriver.Even
ifweagreetopayyourclaimforlossordamagetoyourvehicle,thedriverwillhavenoliabilitycoverandwemayseekrecoveryofanamountfromthisdriver.
Improper vehicle use
If,atthetimeofanincident: youorthedriverofyourvehicleorasubstitutevehiclewereengagedinawilfulorrecklessactwhiledrivingthevehicle,or
yourvehicle,asubstitutevehicleoranythingattachedtoyourvehicleora
substitutevehiclewasbeingusedtocarryorstoreexplosives,ammableorcombustiblesubstancesorliquidsillegally,or
yourvehicleorasubstitutevehicleoranythingbeingtowed,includingatrailerorcaravan,was:
- inanunsafecondition,or - beingtowedillegally,or
yourvehicleorasubstitutevehiclewasbeingusedinarace,trial,testorcontest,orforunlawfulpurposes.
wewillrefuseanyclaim.
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Your responsibilities when you
are insured with us.
Ifyoudonottellusthefollowingwemayrefuseorreduceaclaim,orcancelyourPolicy: youchangetheaddresswhereyour
vehicleisnormallykept youchangethewayyouuseyourvehicle youuseyourvehicleforadrivereducationcourse
youhireoutyourvehicle yourvehicleisnotinaconditionthatmeetsregistrationrequirementsinyourStateorTerritory
yourvehicleisnotingoodorderandrepair,freefromrust,mechanical,hailorunrepaireddamage,oranyotherdamagethatwouldmakeitunsafe
youuseyourvehicleforeventsrelatingtoamotorvehicleclub,bashorcharityevent.
Whenmakingaclaimyoualsoneedtomeettheresponsibilitiesonpage27
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Excesses
Excesses
What is an excess?
Anexcessisanamountyoucontributetowardsthecostofaclaim.
Therearethreetypesofexcess: basic age special.
Ifyoumakeaclaimyoumustpayanyexcessthatapplieseithertousortotherepairerorsupplier.Wewilltellyouwhotopayyourexcessto.Wemaynotnalisea
claimuntilyouhavepaidanyexcessthatapplies.
IfyouholdComprehensiveMotorVehicleInsurance,youcanchooseahigherbasicexcesstoreduceyourpremium(seeourChoiceofExcessDiscountonpage35).
Ifavailable,youmayremovethebasicexcessbypayinganextrapremium.
When an excess applies
Ifyoumakeanytypeofclaim,youmustpayany: basicexcessthatapplies,and ageexcesswherethedriverofyourvehiclewasunder25yearsofage,or
25yearsofageormorewithlessthan2yearsofdrivingexperienceafterobtainingaprovisionalorprobationarylicence,and
specialexcessinadditiontoanyageexcessorbasicexcess.
ThetypeandamountofanyPolicyexcessyoumustpayarelistedonyourcurrentCerticateofInsurance.
When an excess does not apply
Youwillnothavetopayanexcessif: youmakeaclaimforanincidentthatweagreewasnotinanywaythefaultofyou,thedriverof,orapassengerinyourvehicle,orasubstitutevehicle,and
youcanprovidethenameandresidentialaddressofaperson(s)weagreeisatfault,andtheamountoftheclaimismorethananybasicexcess.
Youwillnothaveanexcessifyouareclaimingforwindscreen,sunrooforwindowglassdamageonlyandyouhavechosentheWindscreenOptionavailableunderComprehensiveInsurance(seepage14).
Forfurtherdetailsonexcesses,togetherwithdetailsonhowtheseexcessesarecalculated,pleaserefertoourMotorInsurancePremium,ExcessandDiscountsGuidelocatedatwww.nrma.com.au/motorpedorcontactNRMAInsuranceon132132orvisitanNRMAofce.
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IfyourMotorVehiclesufferslossordamage,wehaveagreedtopayyourclaim,wewillprovidethecoverslisted
How we settle a claim
Repairing your vehicle
Ifweagreetopayyourclaimforlossordamagetoyourvehicleandweagreeyourvehiclecanberepaired,informationonhow
wesettleyourclaimisdescribedonpages29and30.
I your vehicle is a total loss
Ifyourvehicleisconsideredbyustobeatotalloss,howwesettleyourclaimwilldependuponthetypeofcoveryouhavechosen:
forComprehensiveInsurance,seepage31.
forThirdPartyFire&TheftInsurance,
iftheincidentisre,theftorattemptedtheftseepage31
forThirdPartyFire&TheftInsurance,iftheincidentiscoveredunderUninsuredmotoristdamageorInsuredmotoristdamageseepage32
forThirdPartyPropertyDamageInsurance,iftheincidentiscoveredunder'Uninsuredmotoristdamage'seepage32.
Repairing your vehicle
Choosing a repairer
Ifweagreetorepairyourvehicle,youcanletusndyouarepaireroryoucannominateyourownrepairer.
I you let us fnd you a repairer
we will:
adviseyouofarepairmanagementcentretoattendorapreferredrepairertoundertakerepairstoyourmotorvehicle,and
choosethemostsuitablerepairmethodforthetypeofdamagetoyourvehicle.
we may: needtoinspectyourvehiclebeforeauthorisingrepairs.Ifso,wewilltellyouwhereyouneedtotakeyourvehicleorhaveyourvehicletowed
arrangeforapartoftherepairtobecarriedoutbyaspecialistserviceprovider,forexamplewindscreenrepairs
requireyoutocontributetothecostsiftherepairstoyourvehicleleaveitinabetterconditionthanbeforetheincident.
we will not:
coveranyadditionalcostsincurredthroughextensivedelaysanddifcultiesinobtainingparts.
I you choose to nominate your own
repairer
you must:
choosearepairerthathasallnecessarylicencesandauthorisationsrequiredbylaw
obtainourauthorisationfortherepairsandquotedcostbeforethoserepairsarecommenced.
we will:
choosethemostsuitablerepairmethodforthetypeofdamagetoyourvehicle,and
- decidewhethertoauthoriseandpayforthefairandreasonablecostsof
repairs,or - decidewhethertopayyouthefairandreasonablecosttorepairyourvehicle
Indeterminingthefairandreasonablecost,wemayconsideranumberoffactors,includingquotesfromotherrepairers.
we may:
needtoinspectyourvehiclebeforeauthorisingrepairs.Ifso,wewilltellyou
whereyouneedtotakeyourvehicleorhaveyourvehicletowed
requireyoutocontributetothecostsiftherepairstoyourvehicleleaveitinabetterconditionthanbeforetheincident.
Howw
ese
ttleaclaim
Forexamplesofhowwecalculateclaimsifyourvehiclecanberepairedorisatotalloss,pleaseseetheClaimpaymentexamplesonpages44to45.
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Howwesettleaclaim
we will not:
beresponsibleforensuringtheavailabilityoftherepairer
coveranyadditionalcostsincurredthroughextensivedelaysanddifcultiesinobtainingparts.
Parts used when repairing your vehicle
Ifweagreetorepairyourvehiclewewillrepairyourvehicleusingnewpartsorqualitynon-mechanicalreusableparts.
Ourpolicyistousenon-mechanicalreusablepartsornon-genuinepartsonly
whenthis: isconsistentwiththeageandconditionofthevehicle
doesnotaffectthesafetyorthestructuralintegrityofthevehicle
complieswiththevehiclemanufacturersspecicationsandapplicableAustralianDesignRules
doesnotadverselyaffectthepost-repair
appearanceofthevehicle doesnotvoidoraffectthewarrantyprovidedbythevehiclemanufacturer.
Generally,wedonotauthorisetheuseofreusablepartsfortherepairofanymotorvehiclethatislessthanthreeyearsold.
Lietime guarantee o repairs
Ifweauthoriserepairstoyourvehicle,wewillguaranteetheworkmanshipontherepairsauthorisedbyusforthelifeofyourvehicle.
The Motor Vehicle
Insurance and Repair
Industry Code o Conduct
Thiscodeisintendedtopromotetransparent,informed,effectiveandco-operativerelationshipsbetweensmashrepairersandinsurancecompaniesbasedonmutualrespectandopencommunication.Wesupportthecodeandarecommittedtocontinuallyreviewingouroperationstoensurecompliance.
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C dit id i ht we will: however:
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IfyourMotorVehiclesufferslossordamage,wehaveagreedtopayyourclaim,wewillprovidethecoverslisted
Cre
ditprov
i
der'srigh
ts
Credit providers rights
Ifyouhaveborrowedmoneyusingyourvehicleassecurity,youmayberequiredtonotethecreditprovidersinterestinthevehicle.
Thismayalsoapplyifyoulease,orhaveahirepurchaseagreementonyourvehicle.
Ifthisisthecase,andthecreditproviderislistedonyourcurrentCerticateofInsurance,thecoveryouhavechosenextendstothemandtheconditionsandexclusionsalsoapplytothem.
we will:
consideryourvehicleusedassecuritytobeunderanancearrangement
ifwedecidetopayyouthecostofrepairsortheagreedormarketvalueofyourvehicle,paythecreditproviderthelesser
of: - whereapplicable,theagreedvalue,or
themarketvalue,dependingonthecoverlistedonyourcurrentCerticateofInsurance(lessanyapplicabledeductions)
- whereapplicable,thecostofrepairingyourvehicle(lessanyapplicabledeductions)
- thebalancethenowingtothecreditproviderunderanancearrangement
ifthecreditproviderisentitledtothesalvageofthevehicleintheeventofaclaim,deducttheestimatedsalvagevalueofthevehiclefromanyamountthatwepay.
however:
ourabilitytopaytheclaimmaybeaffectedifthecreditproviderfailstoprovideuswiththeinformationwerequire
wewilltreatanystatement,act,omissionorclaimbyyouasastatement,act,
omissionorclaimbythecreditprovider
ifwepaythecreditprovider,wenolongerhaveanobligationtoyouundertheclaimfortheamountpaidtothem.Wemaytrytorecovertheamountofthatpaymentifsomeoneelsewasatfault.Wewilldothisineitheryournameorthecreditprovidersname.
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M b t thi P li
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More about this Policy
34
How we work out your No Claim Discount Choice o Excess Discount
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IfyourMotorVehiclesufferslossordamage,wehaveagreedtopayyourclaim,wewillprovidethecoverslisted
35
How we work out yourpremium
YourinsurancepremiumisbasedonthelikelihoodofaclaimbeingmadeonyourPolicyinthefuture.Thereareanumberoffactorswetakeintoaccountindeterminingyourpremium.
Discounts you may be
eligible or
Ifyoutakeoutinsurancewithusyoumaybeeligibleforoneormoreofthefollowingdiscountsdescribedonthispage:
NoClaimDiscount
Multi-PolicyDiscount
YearsofInsuranceDiscount
ChoiceofExcessDiscount
WecalculatethediscountsthatapplytoyourPolicybeforewetellyouwhatyourpremiumwillbe.DiscountswehaveappliedwillbelistedonyourcurrentCerticateofInsurance.Wemayintroducenewdiscountsfromtimetotime.
No Claim Discount
AppliesifyouholdComprehensiveInsurance.
NoClaimDiscountisarewardforgooddriving.WecalculateyourlevelofNoClaimDiscountbasedonthenumber
ofyearsyouhavebeendrivingandyourclaimsandincidenthistory.
Multi-Policy Discount
Multi-PolicyDiscountappliesifyouholdMotorInsuranceandcertainotherproductsandservices.
Years o Insurance Discount
AppliesifyouholdComprehensiveInsurance.
YearsofInsuranceDiscountisbasedonthenumberofyearsyoucontinuouslyholdyourInsurancePolicywithus.
Choice o Excess Discount
AppliesifyouholdComprehensiveMotorVehicleInsurance.
ChoiceofExcessDiscountallowsyoutoreduceyourpremiumbyselectingahigherbasicexcess.Theexcessyou
chooseisshownasyourbasicexcessonyourcurrentCerticateofInsurance.
Forfulldetailsofhowweworkoutyourpremiumandthediscountsyou
maybeeligiblefor,pleaserefertoourMotorInsurancePremium,ExcessandDiscountsGuidelocatedatwww.nrma.com.au/motorpedorcontactNRMAInsuranceon132132orvisitanNRMAofce.
AnydiscountsappliedwillbelistedonyourcurrentCerticateofInsurance.ItisimportantyoucheckyourcurrentCerticateofInsurancetoensureyouaregettingthediscountsyouareentitledtoandthatyourpersonal
informationisaccurate,completeanduptodate. Prem
iuman
dD
iscoun
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You want to cancel your Policy We want to cancel your Policy We want to give you written
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Makingch
angestoyourPolicy
y y
IfyouwanttocancelyourPolicyyoumustcontactusrst. ifyouarepayingyourpremiumannually,wewilldeductfromthepremiumyoupaidanamountthatcovers
- theperiodthatyouhavebeeninsuredfor,and
- acancellationfeeof$30, thenwewillpayyouwhatisleftofthepremium.
ifyouarepayingyourpremiumbymonthlyinstalments,youmustpayusanymonthlyinstalmentsduebutunpaidtogetherwithacancellationfeeof$30.Youauthoriseustodeducttheseamountsbywayof
directdebitfromtheaccountorcreditcardyouhavepreviouslynominatedformonthlyinstalmentdeductions.
y y
IfwewanttocancelyourPolicy:
we will:
provideyouwithwrittennotice,ifrequired refundyourunusedpremiumafterdeductinganamountthatcoverstheperiodthatyouhavebeeninsuredfor.
however:
ifyouarepayingyourpremiumbymonthlyinstalments,youmustpayusanymonthlyinstalmentsduebutunpaid.Youauthoriseustodeducttheseamountsbywayofdirectdebitfromtheaccountorcreditcardyouhavepreviouslynominatedfor
monthlyinstalmentdeductions.
g y
notice
IfweneedtoprovideyouwithanywrittennoticeregardingyourPolicy:
we will:
deliveritpersonally,or sendittoyourlastknownaddress,or deliveritbyfaxorelectronicallywhereitispermittedbylaw,or
sendyouanelectroniclinkbywhichyoucanaccessthenoticewherethisispermittedbylaw.
however:
itisimportantthatyoutellusofany
changeofpostaladdressorelectronicaddress(ifapplicable)assoonaspossible.
YoumaycancelyourPolicyandreceiveafullrefundwithinthe21daycooling-offperiod(seepage5fordetails).
38
How to resolve a 3 Seek an external review General Insurance Code
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How to resolve acomplaint or dispute
Followthesehelpfulstepstoassistyouinresolvinganycomplaintyoumayhave.
1 Talk to us frst Ifyouhaveacomplaint,therstthingtodoisspeaktooneofourstaff
Ifyourcomplaintrelatesspecicallytoaclaim,speakwiththeclaimsofcermanagingyourclaim(seebackcoverforcontactdetails)
Ifthestaffmemberorclaimsofcerisunabletohelpresolvethematterforyou,youmayspeaktoamanager.
2 Seek a review
Ifthematterisstillnotresolved,themanagerwillreferyoutotherelevantdisputehandlingdepartmentorareawho
willconductareviewofyourcomplaint.
Youareentitledtoseekanexternalreviewofourdecision.Wewillprovideyouwithinformationaboutoption(s)availabletoyou,including,ifappropriate,referringyoutotheexternaldisputeresolutionschemeadministeredbythe
FinancialOmbudsmanService(FOS).
General Insurance Codeo Practice
WesupportandadheretotheGeneralInsuranceCodeofPractice.
The objectives o the Code are: topromotebetter,moreinformedrelationsbetweeninsurersandtheircustomers
toimproveconsumercondenceinthegeneralinsuranceindustry
toprovidebettermechanismsfortheresolutionofcomplaintsanddisputesbetweeninsurersandtheircustomers,and
tocommitinsurersandtheprofessionalstheyrelyupontohigherstandardsof
customerservice.
AcopyoftheCodecanbeobtainedfromtheInsuranceCouncilofAustraliabyvisitingwww.insurancecouncil.com.au.
Complaints
Ifyouarenotsatisedwithourresponse,youcangotostep2.
Ifyouarenotsatisedwithourresponsetoyourdispute,youcangotostep3.
Furtherinformationaboutourcomplaintanddisputeresolutionproceduresisavailablebycontactingus(seebackcoverforcontactdetails)
39
Privacy o your personal When you provide your personal insurancereferencebureausl f t i
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i acy o you pe so alinormation
WearecommittedtohandlingyourpersonalinformationinaccordancewiththeprivacylawsandthetermsofthisPDS.
Youcanchoosenottogiveussomeorallofthepersonalinformationwerequire,butthiswillaffectourabilitytoprovideyouwithcover.
Our Privacy Charter includes
inormation on
howtocontactusregardingprivacy howtochangeyourmarketingconsent
howtoaccessyourpersonalinformation.
y y
inormation
Youacknowledgeandconsenttous,InsuranceAustraliaLimitedtradingasNRMAInsurance,SGIOandSGIC,ouragentsandourrelatedentities(CGU*andIMA**)andtheirdistributorscollectingandusingyourinformationonacondentialbasis: toconsideryourinsuranceapplicationandanysubsequentapplicationforinsurance
tounderwriteandpriceanypolicy tocalculateandofferdiscounts toissueyouwithapolicy toadministerthepolicy toinvestigate,assessandpayanyclaim
madebyoragainstyouorthatcouldbemadeagainstyou
andrecovermonieswehavepaidyouorrecoverdebtsyouhaveincurred.
Forthesepurposes,youacknowledgeandconsenttous,ouragentsandourrelatedentitiesandtheirdistributorscollectingyourpersonalinformationfrom,anddisclosingyourinformationto: ouragents ourrelatedentitiesandtheirdistributors NRMAMotoring&Services***(NSW/ACTcustomersonly)
otherinsurers
lawenforcementagencies ourserviceproviders(whichincludesinvestigatorsandrecoveryagents,lawyers,assessors,repairers,suppliers,advisersandanyagentofthese).
Whenyouprovidepersonalinformationtous,ouragentsandourrelatedentitiesandtheirdistributorsaboutanotherperson: youmustbeauthorisedtodoso,and youmustinformthatperson,unlessinformingthemwouldposeaseriousthreattothelifeorhealthofanyindividual
- whoweare - howweuseanddisclosetheir
informationand
- thattheycangainaccesstothatinformation.
Anexamplemightbeifyouprovideinformationtousaboutanotherpersonsdrivinghistory.
* CGUInsuranceLimitedABN27004478371
** InsuranceManufacturersofAustraliaPty
LimitedABN93004208084***NRMAMotoring&Servicesisthetrading
nameofNationalRoads&MotoristsAssociationLimitedABN77000010506,aseparateandunrelatedcompanytoNRMAInsurance.
Privacy
40
TogetacopyofourPrivacyChartervisitourwebsitetoviewacopy,orpickupacopyatanyNRMAofce.
Privacy o your personal When you provide your personal HoweverY t t f i i k ti
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IfyourMotorVehiclesufferslossordamage,wehaveagreedtopayyourclaim,wewillprovidethecoverslisted
y y pinormation ormarketing purposes
Yourpersonalinformationhelpsustoprovideyouwitharangeofleading
insuranceproductsandservices.
Wemayalsouseyourpersonalinformationtoofferyouadditionalproductsandservices.
HowwehandleyourpersonalinformationisexplainedinourPrivacyCharter.
inormation to us
Youacknowledgeandconsenttous,ourouragentsandourrelatedentitiesandtheirdistributorscollectingandusingyourpersonalinformationto contactyouformarketresearch provideyouwithinformationandoffersaboutproductsandservicesweoffer
provideyouwithinformationandoffersaboutproductsandservicesofferedbyNRMAMotoring&Services*(NSW/ACTcustomersonly)anditsrelatedentities,ourrelatedentitiesandbyotherorganisationsandtoanyagentofthesethatwepromote,andwemaydothisvia
post,sms,emailortelephone.
Youacknowledgeandconsenttousdisclosingyourpersonalinformationforthesemarketingandmarketresearchpurposesto ourrelatedentitiesandtheirdistributors NRMAMotoring&Services*(NSW/ACTcustomersonly)anditsrelatedentities
theagentofanyofthese.
Theaboveacknowledgmentsandconsentsapplyforuptothreemonthsaftertheendofthispolicy.
Youcanoptoutfromreceivingmarketinginformationatanytimebycontactingus.Youmustinformusifyoudonotwantyourpersonalinformationdisclosedorusedforthesemarketingormarketresearchpurposes.
* NRMAMotoring&ServicesisthetradingnameofNationalRoads&MotoristsAssociationLimitedABN77000010506,aseparateandunrelatedcompanytoNRMAInsurance.
Priv
acy
41
TogetacopyofourPrivacyChartervisitourwebsitetoviewacopy,orpickupacopyatanyNRMAofce.
Defnitionsaccessory market value
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DefnitionsThefollowingwordshavebeengivenspecialmeaning.
anyextraitemttedtoyourvehicle,whetherbythemanufacturerornot.
agreed value
theamountweagreetoinsureyourvehiclefor.Theamountislistedonyourcurrent
CerticateofInsurance.Theagreedvalueincludes: anymodications,optionsoraccessoriesthatareattachedtothevehicle
GST registration CompulsoryThirdParty(CTP)Insurance otheron-roadcosts.Butitdoesnotinclude:
allowancefordealerprot warrantycosts futurestampduty transferfees.
driver
thedriverofamotorvehicleortheriderofamotorcycle.
incident
asingleoccurrenceoraseriesofoccurrences,includinganaccidentorseriesofaccidents,arisingoutoftheoneevent.
ourassessmentofyourvehicle'svalueatthetimeoftheincidentyouareclaimingfor,usinglocalmarketpricesandconsideringtheageandconditionofourvehicle.Itincludes: anymodications,optionsoraccessories
thatareattachedtothevehicle GST registration CompulsoryThirdParty(CTP)Insurance otheron-roadcosts.Butitdoesnotinclude: allowancefordealerprot warrantycosts futurestampduty
transferfees.
modifcation
analterationtothestandardbody,engine,suspension,wheelsorpaintworkofyourvehiclewhichmayaffectitsvalue,safety,performanceorappearance.
non-genuine parts
partswhichwerenotmanufacturedbya
suppliertotheoriginalmanufacturerofthevehicle.
option
seeaccessory.Defnition
s
42
premium you
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thetotalamountyoupayforyourinsurancethatincludesapplicablegovernmenttaxessuchasGST,andanydutiesorchargespayablebyyou.ItisshownonyourcurrentCerticateofInsurance.Ifyoupaybymonthlyinstalments,thepremiumisthetotal
oftheinstalmentsyoumustpayforthefullpolicyperiod.
standard equipment
theequipmentoriginallyttedtoyourvehicleatthetimeofmanufacture.Itdoesnotincludeanymodications,options,oraccessories.
substitute vehicle
amotorvehicleormotorcycleyouhaveborrowedbecauseyourmotorvehicleormotorcycleisbeingrepaired,servicedorhasbrokendown.Thisdoesnotincludeahirecar.
us, we and our
theproductissuer,InsuranceAustraliaLimitedtradingasNRMAInsurance.
thepersonorpersonsnamedastheinsuredonyourcurrentCerticateofInsurance.Ifmorethanonepersonisnamedastheinsured,wewilltreatastatement,act,omissionorclaimbyanyoneofthesepeopleasastatement,act,omissionorclaim
byallthosepeople.
your vehicle
themotorvehicleormotorcycleshownonyourcurrentCerticateofInsuranceincludingitsstandardequipmentandanymodications,optionsoraccessoriesthatareattachedtothevehicle.
Defn
ition
s
43
Claim payment examples
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1 All types o insurance:
Repairing your vehicle pages 7, 15 and 16
Wedecidetorepairyourvehicleandyouletusndyouarepairer.
Thevehiclewastowedfromthesceneoftheaccidenttoourassessingcentre.Thetowingcompanyinvoicedyoufor$350.Thecostoftherepairsis$3,350.
Thereisanexcessof$600.YouarenotregisteredforGST.
you pay the $600 excess to the repairer
we pay the repairer $2,750
($3,350 - $600)
we will pay the towing company $350
2 Comprehensive Insurance
Total loss page 7
Wedecidethatyourvehicleisatotalloss.
TheagreedvalueofthevehiclelistedontheCerticateofInsuranceis$14,200.Thevehiclewastowedfromsceneofaccidenttoourassessingcentre.Thetowingcompanyinvoicedyoufor$350.
Thereisanexcessof$500andyoucan
getaregistrationandcompulsorythirdpartyinsurancerefundof$250.YouarenotregisteredforGST.
we pay you $13,450
($14,200 - $500 - $250)
we will pay the towing company $350
3 Comprehensive Insurance
New replacement vehicle page 10
Wedecidethatyourvehicleisatotalloss.
Yourvehiclewasonly2monthsoldandlessthen2.5tonnes.Thecosttousofanewreplacementvehicleis$30,000.
Thereisanexcessof$500andyoucangetaregistrationandcompulsorythirdpartyinsurancerefundof$250.Newregistrationandcompulsorythirdpartyinsurancewillcost$850.YouarenotregisteredforGST.
we pay to replace the vehicle $30,850
($30,000 + $850)
you will pay us $750 ($500 + $250)
TheseClaimpaymentexamplesshowyouhowaclaimsettlementiscalculatedbaseduponsomepracticalscenarios.Anyclaimsettlementamountwilldependuponthefactsofeachcase.
44
Claimp
ay
mentexamples
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Indexalcoholanddrivers 24annual premium
creditprovidersrights 33
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Indexa
accessories seedenitionofyourvehicle 43
accidentdamage comprehensive 7 thirdpartyre&theft 15 thirdpartypropertydamage 19additionalcovers babycapsules&childseats 11 emergencyrepairs comprehensive 12 thirdpartyre&theft 18
hirecaraftertheftorattemptedtheft comprehensive 9 thirdpartyre&theft 17 newreplacementvehicle 10 personalitems 11 storagecosts comprehensive 10 thirdpartyre&theft 18 towing comprehensive 11
thirdpartyre&theft 17 thirdpartypropertydamage 19 trailerorcaravandamage 12ageexcess 28agreedvalue 42
annualpremium whathappensifyoudon'tpay 36attemptedtheft 7,15
b
babycapsules 11
basicexcess 28
c
cancellationofpolicy 38caravandamage 12changingvehicles 37changingpolicydetails 37childseats 11choiceofexcessdiscount 35choosingarepairer 29
claimpaymentexamples 44claimingunderyourpolicy 26claims 26 againstyou 20 howtomakeaclaim 26 repairingyourvehicle 29 vehiclecannotberepaired 31codes codeofpractice 39
motorvehicleinsuranceandrepairindustrycodeofconduct 30co-insureds 5complaintsprocedure 39comprehensiveinsurance 7cooling-offperiod 5
d
damagetoyourvehicle comprehensive 7 thirdpartyre&theft 15 thirdpartypropertydamage 19
denitions 42discounts 35drinkdriving 24driver 42drugsanddrivers 24
e
emergencyassistancewhentravelling 22emergencyrepairs comprehensive 12
thirdpartyre&theft 18excess age 28 basic 28 guide 28 special 28 whenitdoesapply 28 whenitdoesnotapply 28exclusionsfromcover
general 23 liability 21 thingsthatmayaffectcover 23
featuresandbenets 4Index
46
re comprehensive 7
hirecaroption 13howwesettleaclaim 29
motorvehicleinsuranceandrepairindustrycodeofconduct 30
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p thirdpartyre&theft 15reandtheft comprehensive 7 thirdpartyre&theft 15ood 7
g
generalexclusionsfromcover 23generalinsurancecodeofpractice 39giveawayyourvehicle 37glassdamage 7gst 5guaranteeofrepairs 30
h
helmetdamage 11helpline 22hirecar afteraccident 13 aftertheftorattemptedtheft comprehensive 9 thirdpartyre&theft 17 bond comprehensive 9
comprehensiveoptionalcover 13 thirdpartyre&theft 18 excess comprehensive 9 comprehensiveoptionalcover 13 thirdpartyre&theft 18
howweworkoutyourpremium 35
i
incident 42inputtaxcredits 32
insuredmotoristdamage 16k
keysofvehicle 8
l
legalrepresentation 21liability cover 20 exclusions 21
lifetimeguaranteeonrepairs 30locksofvehicle 8
m
makingchangestoyourpolicy 37maliciousact 7marketvalue 42mechanical,structural,electronicorelectricalfailures 23
mobilephones 11modications seedenitionofyourvehicle 43monthlyinstalments 5,36 whathappensifyoudon'tpayaninstalment 36
ymotorcyclehelmet 11multi-policydiscount 35
n
newreplacementvehicle 10
nominateyourownrepairer 29noclaimdiscount 35non-genuineparts 42nonpaymentofpremium annual 36 monthlyinstalments 36notices 38
o
optionsttedtovehicles
seedenitionofyourvehicle 43optionalcoversforcomprehensive, hirecar 13 windscreen 14
p
partsusedwhenrepairingyourvehicle 30payingpremiums whathappensifyoudon'tpay 36
annual 36 monthlyinstalment 36personalinformation 40-41personalitems 11policereporting 27policycoverage 6
Index
47
preferredrepairer 29premiums 5,36
comprehensive 9 thirdpartyre&theft 17
u
uninsured loss 22
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48
pprivacyofyourpersonalinformation 40-41
r
registrationvehicle 25repairingyourvehicle 29
repairs emergency comprehensive 12 thirdpartyre&theft 18 lifetimeguarantee 30 motorvehicleinsuranceandrepairindustrycodeofconduct 30
preferredrepairer 29replacingwithanewvehicleafteratotalloss 10
resolutionofcomplaints 39responsibilitiesofyou whenyouareinsuredwithus 25 whenyoumakeaclaim 27rightsofcreditproviders 33rust 25
s
sellingyourvehicle 37
settlingclaims 29specialconditions 5specialexcess 28specialmeaningwords 5stolenkeys 8stolenvehicles-hirecaroption
p ystoragecostsforvehicles comprehensive 10 thirdpartyre&theft 18storm 7substitutevehicle 43
liabilitycover 20 generalexclusions 23summaryofcovers 4sunroofdamage 7
t
theftorattemptedtheft comprehensive 7 thirdpartyre&theft 15 reportingtopolice 27
thingsthatmayaffectcover 23thirdpartyre&theftinsurance 15thirdpartypropertydamage insurance 19trailerdamage 12totallossofvehicle comprehensive 31 thirdpartyre&theft 31 thirdpartypropertydamage 32
towing comprehensive 11 thirdpartyre&theft 17 thirdpartypropertydamage 19typesofexcess 28typesofinsurance 6
uninsuredloss 22uninsuredmotoristdamage thirdpartyre&theft 16 thirdpartypropertydamage 19unlicenseddriver 24unrepaireddamage 25
v
vehicle-seedenitionofyourvehicle 43
w
windowglassdamage 7windscreendamage 7windscreenoption 14writtennotice 38
wordswithspecialmeaning 5 seedenitions 42
y
yearsofinsurance 35you-seedenition 43yourresponsibilities whenyouareinsuredwithus 25 whenyoumakeaclaim 27youruninsuredloss 22
yourvehicle 6 seedenition 43
Index
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This information in this booklet is current at the date of preparation. More up-to-date information may be available by calling 132 132or visiting nrma.com.au. We will give you a free paper copy of any updates if you request them. If it becomes necessary, we will issue asupplementary or replacement Product Disclosure Statement.This Product Disclosure Statement is dated 3 March 2009.2009
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This product is issued byInsurance Australia Limited ABN 11 000 016 722AFS Licence No. 227681 trading as NRMA Insurance388 George Street Sydney NSW 2000 G012973 03/09
ContactEnquiries and new business132 132
Claims131 123
Helpline132 900
Report insurance fraud1800 237 283
nrma.com.au