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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