Motor Vehicle Insurance - Esanda

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page Personal effects and clothing 19 Transportation costs 20 Emergency accommodation costs 20 Re-keying and re-coding 21 Breakdown accommodation 21 Genuine parts guarantee 22 Policy options 22 Rental or loan car following an accident 22 Removal of basic excess for windscreen claims 23 Protected no claims bonus 23 Restricted drivers 23 Tools of trade 24 How you earn a no claim bonus 24 If you have third party property damage cover only Cover for damage to other people’s property (legal liability) 26 Additional cover for supplementary bodily injury (legal liability) 27 Other benefits we will pay Substitute vehicle 29 Legal costs 29 Uninsured motorists extension 29 When we will not pay your claim 30 Conditions of cover Changes to your insurance details - what you must tell us 36 2
page If you replace your vehicle 37 Cooling off and cancellation rights under the policy 37 Keeping evidence of the value of the insured property 39 Premium payment by direct debit 39 Prevention of loss or damage 39 GST notice 39 Making a claim What you must do 41 Do not admit liability 41 Prevent further damage 41 Contact the police 41 Contact us as soon as possible 42 What happens after you make a claim 42 Excess 42 No claim bonus 45 Deciding who is at fault 46 Choice of repairer 46 Authorising repairs 46 Spare parts, extras and accessories 47 Sublet repairs 47 Guarantee and warranty 47 Assist us with your claim 47 Our rights of recovery 48 Salvage of your vehicle when it is a total loss 48 3
Page 1 and 2: Motor Vehicle Insurance Product Dis
Page 3: Table of contents page Our Product
Page 7 and 8: Our Product Disclosure Statement Th
Page 9 and 10: (if optional); excesses that will a
Page 11 and 12: Introduction Welcome and thank you
Page 13 and 14: “market value” means the cost t
Page 15 and 16: If you have comprehensive cover Cov
Page 17 and 18: . a caravan or trailer towed by you
Page 19 and 20: • of your employees, or • membe
Page 21 and 22: If a rental or loan car is not avai
Page 23 and 24: The maximum we will pay in respect
Page 25 and 26: We will not pay for: • a rental c
Page 27 and 28: another insurance company is transf
Page 29 and 30: compulsory insurance or compensatio
Page 31 and 32: Other benefits we will pay 1. Subst
Page 33 and 34: c. who had a percentage of alcohol
Page 35 and 36: This policy does not cover loss, da
Page 37 and 38: . fails to perform or function in t
Page 39 and 40: • been convicted of or had any fi
Page 41 and 42: 4. Keeping evidence of the value of
Page 43 and 44: Making a claim What you must do We
Page 45 and 46: “Basic excess”. The “Basic ex
Page 47 and 48: • the name, address and licence n
Page 49 and 50: . Before we make a decision regardi
Page 51 and 52: 13. No return of premium after a to
Page 53 and 54: variation, extension, reinstatement
Page 55 and 56:
Dispute resolution process - helpin
Page 57 and 58:
This page has been left blank inten
Page 60:
For all general enquiries please ca
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Motor Vehicle Insurance - Esanda

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