Goods in Transit (Own Vehicles) Insurance
Contents Welcome to Zurich About Zurich................................................................................................................................................................. 2 Duty of Disclosure........................................................................................................................................................ 2 Our contract with you ................................................................................................................................................. 2 Goods in Transit (Own Vehicles) Insurance – Policy Wording 1. The cover.............................................................................................................................................................. 3 2. Conditions of cover ............................................................................................................................................. 3 2.1 Conditions of insurance................................................................................................................................ 3 2.2 Basis of valuation.......................................................................................................................................... 3 2.3 Limits on cover ............................................................................................................................................. 4 3. Extensions of cover 3.2 Brands.......................................................................................................................................................... 4 3.3 Removal of debris......................................................................................................................................... 4 4. Definitions 4.1 Death........................................................................................................................................................... 4 4.2 Expropriation................................................................................................................................................ 4 4.3 Goods.......................................................................................................................................................... 4 4.4 Insured, You, Your........................................................................................................................................ 4 4.5 Load/loading ................................................................................................................................................ 4 4.6 Nuclear or radioactive................................................................................................................................... 4 4.7 Period of insurance....................................................................................................................................... 4 4.8 Removal of debris......................................................................................................................................... 4 4.9 Road vehicle ................................................................................................................................................. 5 4.10 Schedule ...................................................................................................................................................... 5 4.11 Terrorism ...................................................................................................................................................... 5 4.12 Unload/unloading......................................................................................................................................... 5 4.13 War or warlike activities................................................................................................................................ 5 5. Exclusions ............................................................................................................................................................. 5 6. Claims conditions 6.1 Claims procedure.......................................................................................................................................... 5 6.2 Claims settlement......................................................................................................................................... 6 6.3 Excess........................................................................................................................................................... 6 6.4 Other insurance............................................................................................................................................ 6 6.5 Rights of subrogation ................................................................................................................................... 6 7. General conditions 7.1 Applicable legislation............................................................................6 7.2 Australian law and jurisdiction...................................................................................................................... 6 7.3 Cancellation .....................................................................6 7.4 Conduct of claims ........................................................................................................................................ 6 7.5 Notification of material change..................................................................................................................... 7 7.6 Plurals and titles ........................................................................................................................................... 7 7.7 Reasonable care ........................................................................................................................................... 7 7.8 Sanctions regulation ..................................................................................................................................... 7 7.9 Third parties ................................................................................. 7 7.10 Transfer........................................................... 7 ZU10527 - V7 10/18 - PCUS-013960-2018 Page 2 of 7 About Zurich The insurer of this product is Zurich Australian Insurance Limited (ZAIL), ABN 13 000 296 640, AFS
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