Insurance Commercial Motor Vehicle
Finding your way through this document
Welcome ................................................................................................................ 1
Who is the insurer? .................................................................................................................1
About your insurance policy .....................................................................................................1
Cooling off period ...................................................................................................................2
Privacy statement ...................................................................................................................2
General Insurance Code of Practice...........................................................................................4
Updating information ..............................................................................................................4
Financial Claims Scheme ..........................................................................................................5
Complaints resolution ..............................................................................................................5
Information about the cost of this insurance .............................................................................7
Information about excesses payable .........................................................................................8
No Claim Discount/Rating (Comprehensive cover only) ...............................................................9
Your Duty of Disclosure .........................................................................................................11
Paying your premiums ...........................................................................................................11
How the Goods and Services Tax (GST) affects this insurance ....................................................12
Interested parties ..................................................................................................................12
Cancelling your policy ............................................................................................................13
Your responsibilities ...............................................................................................................13
Your cover ............................................................................................................ 15
Cover options .......................................................................................................................15
Part A – Loss or damage to your insured vehicle ......................................................................16
Additional covers ..................................................................................................................22
How we settle a claim under Part A ........................................................................................26
Part B – Legal liability.............................................................................................................29
How we settle a claim under Part B ........................................................................................35
Optional covers for comprehensive cover ................................................................................36
Application of excess ........................................................................................... 38
Types of excesses ..................................................................................................................38
Application of excess involving trailer and towing vehicle .........................................................40
General exclusions ............................................................................................... 41
Making a claim .................................................................................................... 44
Fraudulent claims ..................................................................................................................45
Some other circumstances affecting claims..............................................................................45
Claim payment examples .......................................................................................................46
Definitions............................................................................................................ 51
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