Motor Vehicle
Insurance
Product Disclosure Statement
Find your way through this document
Introduction ....................................................................................... 3
Welcome to Suncorp Motor Vehicle Insurance................................................................................................3
Summary of features and benefits....................................................................................................................4
About your premium..........................................................................................................................................9
Paying your premium.........................................................................................................................................9
What is the No Claim Discount/Rating? .........................................................................................................10
What is the Family Discount?..........................................................................................................................11
About your cover ..............................................................................12
About your vehicle...........................................................................................................................................12
Types of cover.................................................................................................................................................14
Comprehensive cover......................................................................................................................................15
Fire, Theft & Third Party Property Damage/Extra cover.................................................................................16
Third Party Property Damage cover ...............................................................................................................17
Additional features...........................................................................................................................................18
Optional covers................................................................................................................................................25
Hire car conditions...........................................................................................................................................27
Comprehensive cover for caravans and trailers.............................................................................................29
Additional features for caravans and trailers ..................................................................................................32
Optional covers for caravans and trailers .......................................................................................................35
What is not covered under any part of your policy ........................................................................................36
Claims .............................................................................................. 39
Making a claim.................................................................................................................................................39
How to establish your loss ..............................................................................................................................40
About your excess...........................................................................................................................................41
How we settle your claim ................................................................................................................................43
If your vehicle is damaged ..............................................................................................................................44
Choice of repairer............................................................................................................................................44
Lifetime guarantee on repairs..........................................................................................................................45
If your vehicle has been stolen........................................................................................................................46
If your vehicle is a total loss ............................................................................................................................46
After we pay your claim...................................................................................................................................47
Other Important Information.......................................................... 49
Your responsibilities.........................................................................................................................................49
When you need to contact us.........................................................................................................................49
What happens with cancellations? .................................................................................................................50
Terms explained ..............................................................................................................................................51
If you have a complaint ...................................................................................................................................54
Report insurance fraud....................................................................................................................................54
General Insurance Code of Practice...............................................................................................................55
Financial Claims Scheme ................................................................................................................................55
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