Motor Vehicle Insurance product disclosure statement and policy
Contents3 Why HBF?
3 Motor Vehicle Insurance product disclosure statement and policy
4 About this insurance
4 A brief overview
5 Levels of cover you can choose from
6 Types of policies you can choose from
7 No Claim Bonus
8 Excesses that may apply when you make a claim
9 What this policy covers
10 Incident cover
12 Additional cover included in this insurance
17 Liability cover
18 Optional cover that can be added to your policy
20 Exclusions to your cover
23 Your responsibilities to us
23 Your responsibilities when you are insured with us
24 Your responsibilities when you make a claim
24 If you do not meet your responsibilities
25 Our commitment to you
25 Our guarantee
26 How CGU protects your privacy
27 How to take out insurance
27 How to apply for insurance
27 How to renew your insurance
28 How to change your policy
28 How to cancel your policy
28 If you replace your vehicle
29 Your premium
30 All about claiming
30 How to make a claim
31 How we settle your claim
34 How to resolve a complaint or dispute
34 Financial Claims Scheme
35 Claim payment examples
36 Motor Vehicle Insurance And Repair Industry Code Of Conduct
37 Glossary
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