Product Disclosure Statement

Section Four - Enthusiast Section

What is covered	What is not covered
We will cover you for loss or damage to: Automotive Memorabilia and Collectables; spare parts and accessories removed from any Vehicle owned by You; tools, instruments and equipment used in Motoring, or related to Your current or former business or occupation; by any accident or misfortune not excluded by this policy and whilst kept at Your Address. At Our option We shall either: pay the reasonable cost of repairing Your items which have been damaged; or replace Your items which have been damaged or stolen; or compensate You in cash for Your loss or damage. If, at Your request, We agree to compensate You in cash, We will reduce the cash compensation by an amount equal to any trade discount which We would have obtained from a supplier had We chosen to repair or replace Your items.	Any amount in excess of the sum insured specified in Your Certificate. The exclusions on these pages here. Any items specified under Section Six. Any amount in excess of $1,000 per individual item, pair, set or collection unless specified in Your Certificate. Damage to tools, instruments and equipment whilst in use. Any registered vehicle. Any items covered under Section Two. We will not cover You if Your Home has been unoccupied for a period of 60 continuous days or more (unless You have obtained Our written consent and paid any additional premium required by Us). For Your Home to be considered occupied You must have stayed in Your Home for 2 consecutive nights on at least one occasion in a 60 day period.

What is covered

What is not covered

We will cover you for loss or damage to:

Automotive Memorabilia and Collectables;
spare parts and accessories removed from any Vehicle owned by You;
tools, instruments and equipment used in Motoring, or related to Your current or former business or occupation;

by any accident or misfortune not excluded by this policy and whilst kept at Your Address.

At Our option We shall either:

pay the reasonable cost of repairing Your items which have been damaged; or
replace Your items which have been damaged or stolen; or
compensate You in cash for Your loss or damage. If, at Your request, We agree to compensate You in cash, We will reduce the cash compensation by an amount equal to any trade discount which We would have obtained from a supplier had We chosen to repair or replace Your items.

Any amount in excess of the sum insured specified in Your Certificate.
The exclusions on these pages here.
Any items specified under Section Six.
Any amount in excess of $1,000 per individual item, pair, set or collection unless specified in Your Certificate.
Damage to tools, instruments and equipment whilst in use.
Any registered vehicle.
Any items covered under Section Two.
We will not cover You if Your Home has been unoccupied for a period of 60 continuous days or more (unless You have obtained Our written consent and paid any additional premium required by Us). For Your Home to be considered occupied You must have stayed in Your Home for 2 consecutive nights on at least one occasion in a 60 day period.