Car Insurance Combined Product Disclosure Statement & Financial Services Guide
Product Disclosure Statement (PDS) 14 day cooling-off period If you decide that this policy is not for you and you have not made a claim, you may cancel this policy within 14 days of it starting (this also applies to each renewal). If you cancel within the cooling-off period, we will refund any premiums you have paid for the policy, less any government levies, taxes or duties that we cannot recover. Even after this cooling-off period ends, you may still cancel your policy – see page 38. It’s very important that you comply with: • your ‘Duty of Disclosure’ (see page 28); and • the terms of your policy If you do not, we may refuse to pay your claim or reduce the amount we pay you. By law, we may also cancel your policy. This PDS is issued by The Hollard Insurance Company Pty Ltd (Hollard) ABN 78 090 584 473, AFSL No. 241436. Hollard is responsible for this PDS. Huddle Insurance is a business name of Open Insurance Pty Ltd, ABN 23 166 949 444, AFSL 451712. Huddle Insurance has binding authority from the insurer to issue, vary or dispose of this insurance and administer and settle claims of this insurance. This means that Huddle Insurance acts as an agent of the insurer and not you. This document contains details of your cover (your policy), your responsibilities, the claims process and how and when to get in touch with us. This PDS uses words that have special meaning. For the definitions of these words, refer to pages 47-48. You can download this PDS from huddle.com.au, or you can call us on 1300 777 200 and we will send you a free copy. When we agree to enter into your policy we will issue you with a Certificate of Insurance (COI). Your COI gives you specific, detailed information about your policy cover and may vary the standard terms and conditions of the PDS depending on your specific circumstances. Carefully read the PDS and COI together to
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