Territory Car Insurance Product Disclosure Statement and Policy. - TIO

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• decide whether to pay you the fair and reasonable cost
to repair your vehicle.
When we determine the fair and reasonable costs, we
may consider a number of factors, including quotes from
other repairers.
We may:
• need to inspect your vehicle before authorising repairs.
If so, we will tell you where to take your vehicle, or arrange to
have your vehicle towed
• require you to contribute to costs if the repairs leave your
vehicle in a better condition than before the accident.
We will not:
• be responsible for ensuring the availability of the repairer
you have chosen, or
• cover any additional costs incurred through extensive
delays and difficulties in obtaining parts.
Parts used when repairing your vehicle
If we agree to repair your vehicle we will repair your vehicle
using new parts or quality non mechanical reusable parts only
when this:
• is consistent with the age and condition of the vehicle
• does not affect the safety or the structural integrity of
the vehicle
• complies with the vehicle manufacturer’s specifications
and applicable Australian Design Rules
• does not adversely affect the post repair appearance
of the vehicle, and
• does not void or affect the warranty provided by the
vehicle manufacturer.
It is however not always possible to ensure that new and
genuine parts are used, for example where you have a vehicle
that is no longer being manufactured and parts are not available.
Where new and genuine parts cannot be used, we will choose
to use non-genuine or recycled parts, but we will contact you
and discuss with you the situation before we authorise the use
of those parts in the repair process.
Comprehensive Cover – if your vehicle is a total loss
If your vehicle is insured for comprehensive cover and we
consider your vehicle to be a total loss, for example:
Territory Car Insurance Product Disclosure Statement and Policy