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This means that any person who is not named on the certificate of insurance is not covered by this policy,
even if they have your permission to use the vehicle.

Section 1: Loss to your vehicle

Section 1 covers your vehicle for sudden and accidental physical loss or sudden and accidental physical
damage that occurs during the period of insurance, unless excluded by this policy.

What special benefits you are covered for

Taxi equipment

If your vehicle suffers loss or damage for which a claim is accepted (other than windscreen or window
glass or sunroof) we will also pay the reasonable cost to replace and install any damaged or destroyed taxi
equipment being used with the vehicle at the time of loss. We will pay up to the sum insured shown in
the certificate of insurance as taxi equipment. If no amount is shown in the certificate of insurance, the
maximum we will pay under this special benefit is $3,000.

In the event of a total loss to your vehicle, we may, at our option, require you to remove undamaged taxi
equipment. In such event, we will pay for the reasonable cost to remove it. We will also pay the
reasonable installation cost to install this equipment if you choose to replace your vehicle which has been
the subject of a total loss settlement with a similar vehicle.

Undamaged taxi equipment will be deducted from the amount of any total loss settlement.

Choice of repairer

If your vehicle suffers loss or damage for which a claim is accepted (other than windscreen or window
glass or sunroof) and we choose to repair your vehicle, you can nominate a repairer of your choice to
complete the repairs.

Fatal injury

If you die as a direct result of injury following an accident to your vehicle for which a claim is accepted
we will pay the deceased(s) estate $5,000. We will not pay more than $5,000 during any one period of
insurance. If more than one person is entitled to this benefit, this benefit will be applied proportionally
between them.

Medical expenses

If you suffer injury following an accident to your vehicle for which a claim is accepted we will pay your
medical or dental costs up to $600 provided you have been unable to recover any of those costs from
anyone else.

Natural disaster damage

This section is extended to include loss or damage that occurs during the period of insurance to your
vehicle caused by natural disaster damage.

No claims and no blame bonus

If you have not had any claims with us or with your previous insurer for the last year you will receive a no
claims bonus.

In addition, we will not penalise your no claims bonus at renewal of your policy or impose your excess if

you have been AinvolTvedAinXanI acIciNdenSt dUurinRg AtheNpeCriodEof PinsOuraLnceI ,CanYd: B Y

 you have identified the party at fault (ie name, address, phone number, make, model, registered
number of that other party’s vehicle); and

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