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

General Exclusions to your policy

We do not insure you for:

  • any loss, damage or legal liability incurred outside Australia; or
  • any loss, damage or legal liability intentionally caused by you or a person acting with your consent.

We also do not insure you under this policy for loss or damage caused by, or legal liability arising from:

  • any person or organisation who lawfully destroys or takes away your vehicle; or
  • any war, whether it has been formally declared or not, any hostilities, rebellion or revolution; or
  • the use, misuse or existence of nuclear weapons or the use, misuse, escape or existence of nuclear fuel, waste or materials or ionising radiation or contamination from such fuels, waste or materials, or the combustion, detonation, fission and/or fusion of nuclear fuel or nuclear materials;
  • the existence of, or operation of, or threatened existence or operation of chemical or biological weapon(s) or actual or threatened pollution or contamination from such weapons, or action taken by a public authority or anybody authorised by a public authority to prevent, limit, or remedy such pollution or contamination.

We may refuse to pay a claim under this policy for legal liability that arises because you:

  • are only liable under a contract you have entered into; or
  • have accepted liability without us agreeing to it first.

 

 

 

 

footer-shadow