Product Disclosure Statement

index-header
  1. Important Messages
  2. Product Disclosure Statement
  3. Policy Wording
  4. Definitions
  5. Section 1 - Damage to your vehicle
  6. Section 1 - Additional Benefits
  7. Section 1 - Endorsements
  8. Section 2 - Legal Liability
  9. Section 3 - Uninsured Third Party
  10. Excesses
  11. No Claim Bonus
  12. General Exclusions to you policy
  13. We may refuse a claim
  14. Conditions Applicable to Your Policy
  15. What to do if you have an accident
  16. What to do if you have a complaint

Section Two – Legal Liability

What is covered What is not covered

Legal Liability to third parties for property damage

We will cover you for your legal liability for accidental damage to someone else’s property covered during the period of insurance by:

  • the use of your vehicle or a substitute vehicle;
  • another vehicle that has broken down that is being towed by your vehicle or a substitute vehicle;
  • goods falling accidentally from such vehicles or from a trailer or caravan being towed by your vehicle or a substitute vehicle;
  • the operation of loading such vehicles, trailer or caravan.

Legal Liability to third parties for death or bodily injury

We will cover you if you become legally liable for death or bodily injury directly caused by an accident involving your vehicle where you are entitled to be indemnified under a statutory compulsory insurance or motor vehicle accident compensation scheme but which does not cover the full extent of your liability. This is generally known as “gap cover”.

Legal costs

We will pay all legal costs which you incur with our written consent in defending any legal action brought against you.

In this section cover is extended to:

  • any person who, with your consent and within the category of persons shown in your schedule, was driving/riding your vehicle at the time of the accident;
  • any passenger in your vehicle;
  • your employer, principal or partner (otherwise than under contract).
  • An amount in excess of $20,000,000 (exclusive of legal costs) for legal liability under this policy or any other policy issued to you by us.
  • Loss or damage to a substitute vehicle.
  • Liability arising out of the use of a substitute vehicle if the claim is covered by another insurance.
  • Liability for death or bodily injury to the extent that you are entitled to be wholly indemnified under any statutory compulsory insurance or motor accident compensation scheme.
  • Liability incurred in circumstances where the driver/rider of your vehicle has been refused motor vehicle insurance during the previous five years.
  • Liability for death or bodily injury to you, your spouse or de facto or any person who ordinarily resides with you.
  • Any penalties or fines or any punitive, aggravated or exemplary damages.
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