Zurich Motor Insurance
Product Disclosure Statement
About our Motor Insurance
About Zurich................................................................................................................................................................. 2
How to apply for this insurance ................................................................................................................................. 2
Our Motor Insurance ................................................................................................................................................... 2
Our contract with you ................................................................................................................................................. 3
Significant issues to consider...................................................................................................................................... 3
Duty of Disclosure........................................................................................................................................................ 5
How we calculate your premium................................................................................................................................ 5
No claim bonus............................................................................................................................................................. 6
Goods and Services Tax ............................................................................................................................................... 6
How to make a claim................................................................................................................................................... 6
Privacy........................................................................................................................................................................... 7
Cooling-off Period........................................................................................................................................................ 7
General Insurance Code of Practice............................................................................................................................ 7
Complaints and Disputes Resolution process ............................................................................................................ 7
Financial Claims Scheme.............................................................................................................................................. 8
Repair Industry Code of Conduct................................................................................................................................ 8
Headings....................................................................................................................................................................... 8
Updating this PDS........................................................................................................................................................ 8
Benefits of cover available.......................................................................................................................................... 9
Motor Insurance – Policy Wording
Definitions.............................................................................................................................................................. 11
Limitations of Cover – Sections 1 and 2 .................................................................................................................. 15
Exclusions of Cover – Sections 1 and 2.................................................................................................................... 17
Terms and Conditions – Sections 1 and 2................................................................................................................ 20
Extensions of Cover – Sections 1 and 2................................................................................................................... 22
Optional Extension of Cover – Sections 1 and 2 ...................................................................................................... 23
Section 1 – Own Damage ............................................................................................................................................ 24
Cover ..................................................................................................................................................................... 24
Basis of Settlement – Section 1 ............................................................................................................................... 24
Limitations of Cover – Section 1.............................................................................................................................. 24
Exclusions of Cover – Section 1............................................................................................................................... 25
Extensions of Cover – Section 1 .............................................................................................................................. 26
Optional Limitation of Cover – Section 1................................................................................................................. 31
Optional Extensions of Cover – Section 1................................................................................................................ 32
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