Commercial Motor Vehicle Insurance -
Small & Medium Fleets
Contents
About this booklet 4
Important Information 4
Group policies: about your right to claim 4
The cost of this Policy 4
Cooling-off information 4
Change of circumstances 5
The General Insurance Code of Practice 5
Privacy 5
Resolving complaints & disputes 5
Contacting QBE’s CCU, AFCA or the OAIC 5
Financial claims scheme 6
Policy Wording 6
Our agreement 6
Words with special meanings 7
Comprehensive cover 8
Section 1: Loss, damage or theft of your vehicle 8
Section 2: Third party liability – (applicable to registered vehicles
only) 8
What you are insured against 8
What you are not insured against 9
Additional benefits 9
General exclusions 12
General conditions 14
Claims 15
Excesses 17
Other terms 18
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