PDF Car Insurance .au
Car Insurance
Product Disclosure Statement - Part A
Car Insurance Policy General Terms and Conditions This document prepared on 21 September 2023
Product Issuer:
Auto & General Insurance Company Limited ABN 42 111 586 353 AFS Licence No 285571
Registered Office: Level 13, 9 Sherwood Road, Toowong QLD 4066
Summary of Cover
Cover
Accidental damage to the car Fire Theft Damage to other people's property
Comprehensive
Yes Yes Yes Yes
Third Party Property, Fire
and Theft
No
Yes
Yes
Yes
Third Party Property Only
No No No Yes
Policy Benefits and Options
Limits and conditions apply
Benefits
Comprehensive
Third Party Property, Fire
and Theft
Third Party Property Only
Choice of Market Value or Agreed Value*
Damage to Other People's Property
$20M
$20M
$20M
Essential Repairs
Emergency Transport and Accommodation
Hire Car Following a No Fault Accident
Hire Car Following Theft
New Car Replacement
Personal Effects (incl. Child Seats or Capsules)
Repair Guarantee
Replacement of Keys
Towing Costs
Trailer
Uninsured Motorist Damage
N/A
24/7 Claims
* Eligibility criteria apply
Policy Options
Accident Hire Car Reduced Window Glass Excess Choice of Repairer No Claim Discount Protection**
Comprehensive
Third Party Property, Fire
and Theft
Third Party Property Only
Optional
Optional
Optional
Optional
** Eligibility criteria apply. No Claim Discount Protection is not available from 28th September 2020
These tables are intended as a guide only. Please read the Product Disclosure Statement for full details of the covers and policy options, including limits, exclusions and conditions that may apply.
Contents
What is a Product Disclosure Statement?..............................................................................1 Our Agreement..........................................................................................................................1 Words With Special Meaning .................................................................................................. 2 Your Duty Not to Make a Misrepresentation ........................................................................ 5 When You Receive the Policy................................................................................................. 5 Waiting Period for Bushfire, Storm, Cyclone or Flood ........................................................ 6 Permitted Use of the Car......................................................................................................... 6 Types of Cover...........................................................................................................................7
Cover Part 1 ? Cover for the Car ....................................................................................7 Cover Part 2 ? Damage to Other People's Property................................................. 10 Cover Part 3 ? Fire and Theft Cover for the Car......................................................... 11 Cover Part 4 ? Uninsured Motorist Damage ..............................................................12 General Exclusions ..................................................................................................................13 Conditions of Cover............................................................................................................... 16 Changing the Policy............................................................................................................... 18 Renewing the Policy .............................................................................................................. 19 Cancelling the Policy ............................................................................................................. 20 Joint Policyholders and Authorised People........................................................................ 20 The Cost of Insurance ............................................................................................................21 Making a Claim ....................................................................................................................... 22 Goods and Services Tax (GST).............................................................................................. 23
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