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it is proven that the other party was more than 50% at fault.
Otherwise your no claims bonus will be reduced at the renewal following the claim. However, we will
increase your no claims bonus again at the next renewal if no further claims are made.
Repair guarantee
We provide you with a lifetime guarantee on any repairs to your vehicle carried out by our recommended
panel beaters resulting from a claim which is accepted.
Replacement vehicle
If you replace your vehicle, we will automatically hold the replacement vehicle covered subject to the
terms and conditions of this policy, for 10 days from the date of replacement. You will be required to
pay any additional premium that is required and accept any excess and terms that we may apply to the
replacement vehicle.
Road clearing costs
We will pay up to $1,000 for the reasonable costs of removing debris from any road or parking area for
which you are liable following an accident to your vehicle for which a claim is accepted.
Salvage and storage costs
If your vehicle is unable to be driven and we have accepted your claim, we will pay for the reasonable
cost of removing it to the nearest repairer or place of safety.
We will also pay for the reasonable costs for the temporary storage of your vehicle once we have accepted
your claim.
Stolen keys
If your vehicle remote, vehicle keys, vehicle entry card or vehicle key codes are stolen or believed on
reasonable grounds to have been illegally duplicated, or it is reasonable to believe that the combination
number of electronic key codes may have become known to someone else without your permission, we
will pay up to $500 free of any excess to replace the remote or the keys or the entry card or change the
combination number of the electronic key code and it will not affect your No claims bonus, provided that
we are satisfied that the identity or location of your vehicle is known to any person who may have the
keys or entry card.
Windscreen and window glass
If your vehicle suffers accidental breakage of its windscreen, window glass or sunroof during the period of
insurance we will pay for their repair or replacement. We will not deduct any excess and you will not lose
your No claims bonus. This benefit does not extend to lights, indicators, their covers or mirrors.
Optional special benefits
These Optional special benefits only apply where specified in the certificate of insurance.
Loss of use
If your vehicle suffers loss or damage for which a claim is accepted (other than windscreen or window glass
or sunroof) and you lose income as a result, we will cover for the loss of use of the insured vehicle by:
1. The actual cost of hiring or renting a replacement vehicle up to a maximum cost of $100 excluding
GST per day for a maximum period of 30 days.
2. AFaivnaaiTlnacbAialel XrfeoirmIhbiruIerNsoermrSeennUttfooRfr $a1Am00aNxeixmCculumdEinpgerPGioSdTOopfeLr30dIadCyayinsY.theBevYent that no replacement vehicle be
The excess under this extension is the amount of the first 5 days of the incurred losses.
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