www.gemoney.com.au/en/docs/550249_CarInsurance_PDS.pdf

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Product Disclosure Statement - Part A Car Insurance Policy General Terms and Conditions
WHAT IS A PRODUCT DISCLOSURE STATEMENT? This Product Disclosure Statement will assist you to make an informed decision about our insurance product. It consists of two parts, which you should read before making a final decision to purchase: 1) PART A contains the general terms and conditions of all our policies. 2) PART B contains specific details about the product option that you selected. IF YOU HAVE ALREADY PURCHASED OUR POLICY: This Product Disclosure Statement becomes your INSURANCE CONTRACT together with the most recent: INSURANCE CERTIFICATE YOUR DECLARATIONS COVER LETTER After reading the documents carefully, you should keep them in a safe place for future reference.
OUR AGREEMENT In return for you meeting your obligations under this agreement, we will give you the protection described in this policy for events which occur during the period of insurance shown on your Insurance Certificate.

































Product Disclosure Statement effective date 4 th July 2005 Product Issuer: Auto & General Insurance Company Limited ABN 42 111 586 353 AFS Licence No 285571 Registered Office: Level 6, 9 Sherwood Road, Toowong, QLD 4066 Product Disclosure Statement Part A - Page 1
Contents Page Definitions Your duty of disclosure General exclusions and conditions of cover Types of cover Excluded drivers Permitted use of the car What you are covered for General exclusions applying to the whole policy The cost of insurance When you receive the policy Changing the policy Renewing the policy Cancelling the policy Conditions of cover Making a claim GST Privacy policy Our service commitment 1 1 2 2 2 2 2 4 4 5 5 5 5 6 7 7 7 7
DEFINITIONS THE MEANING OF CERTAIN WORDS USED IN THIS POLICY Agreed Value the amount we agree to insure your vehicle for, during each term of insurance. The Insurance Certificate shows the amount (if applicable) and it may change each time you renew the policy. Car the vehicle specified in this policy including the manufacturers standard accessories that form part of the vehicle and any other accessories that we have agreed to cover. In relation to damage to other peoples property, it includes a substitute car. Household Member a person who normally resides with you. The people you disclosed are shown on the Insurance Certificate.Market Value the reasonable cost to replace your vehicle with one of the same make, model, age and condition as your vehicle at the time of the loss or damage. It does not include any allowance for warranty, stamp duty or transfer costs. Modification any alteration to your vehicles standard engine, body, suspension, wheels, paintwork or sound system. No Fault Accident if we decide the driver of the other vehicle was entirely at fault, and you tell us the name and residential address of the other driver, along with the registration number of the other vehicle. Regular Driver the person who drives the car most frequently. The person you disclosed is shown on the Insurance Certificate. Substitute Car a vehicle you have hired or borrowed because the car is being repaired, serviced or has had a mechanical breakdown, and is of a similar type as the insured We / us / our the product issuer named on the front page of this document. You / your the person(s) named as the Policyholder in the Insurance Certificate. YOUR DUTY of DISCLOSURE What you must tell us You must be honest and give us information we need in order to decide whether to insure you and on what terms. You must do this for all persons to be insured under this policy. Before you enter into this policy with us for the first time, you must tell us everything you know and that a reasonable person in the circumstances would tell us in answer to the questions we ask. Before you renew or make any change to this policy, you have a duty to tell us everything you know and that a reasonable person in the circumstances would know, is a matter that is relevant to our decision whether to insure you and, if so, on what terms.You do not have to tell us about any matter that reduces our risk, or is common knowledge, or that we should know through our business, or that we tell you we do not need to know. Product Disclosure Statement Part A - Page 2
If you do not tell us If you do not comply with your duty, we may reduce a claim or refuse to pay a claim and/or cancel the Policy. If fraud is involved, we may treat the Policy as never having operated.
GENERAL EXCLUSIONS AND CONDITIONS OF COVER It is important to understand that insurance policies do not cover every eventuality. You should read your policy and be aware of what is excluded from cover and the conditions to be observed. Please refer to the sections entitled General Exclusions and Conditions Of Cover. TYPES OF COVER The Insurance Certificate shows which of these types of cover you have: Comprehensive covers your liability for damage caused by the car to other peoples property, plus cover for the car up to the value you insure it for. Third Party Property covers only your liability for damage caused by the car to other peoples property, plus a limited amount of cover for the car if damaged in a no fault accident with an uninsured vehicle. Third Party Fire and Theft covers the same as Third Party Property above, plus loss or damage to the car only if it is stolen or catches fire. It does not cover damage caused by attempted theft of the car or items being stolen from the car.
EXCLUDED DRIVERS You will have no cover if the car is driven by: any Household Members who are not listed on your Insurance Certificate. any other persons that you selected, or we required to be excluded, as shown on your Insurance Certificate. PERMITTED USE OF THE CAR You will have no cover if the car is used for purposes which you have not declared to us. The permitted use, which you have selected from the following categories, is shown on your Insurance Certificate Private Use or Private and Commuting Use is use for social, domestic and pleasure purposes only, and also travelling between home and a regular place of work. Private and Occasional Business Use is the Private and Commuting use above, and also includes use for occasional business purposes by the regular driver or spouse only. Occasional business means the car is not registered for business use and not an essential part of earning income from such business. Private and Business Use is the Private and Commuting use above, and also includes use for the business of the regular driver or spouse by any driver listed on the current Insurance Certificate. Use that is never covered: carrying passengers or other peoples goods for payment. driving tuition for payment. hiring the car to other people. Use that is always covered: private car sharing and voluntary home or community service, provided that no profit is made from such use.
COVER PART 1 COVER FOR THE CAR This section applies only if the type of cover shown on your Insurance Certificate is Comprehensive. Damage to the car If the car is accidentally damaged, we will pay up to the maximum amount shown on the Insurance Certificate. We will also pay the reasonable cost of recovery, towing and storage of the car if it was unsafe to drive as a result of the damage. Repair Guarantee We guarantee the quality of any repair we authorise for as long as you own the car. Personal Effects In the event of a collision involving the car, we will pay up to the amount shown in Part B for damage to personal effects which were in the car at the time of the collision. Trailer In the event of a collision where the car is towing a trailer that belongs to you, we will pay for damage to the trailer up to a maximum of the amount shown in Part B, but we do not cover the trailers contents.
Product Disclosure Statement Part A - Page 3

Emergency Transport and Accommodation If we pay a claim for damage to the car, we will also pay for the driver and occupants to be transported to the address where the car is normally kept at night or, where transport is unavailable, we will pay for the cost of their temporary accommodation. The maximum cover under this section is the amount shown in Part B. New Car Replacement If you purchased the car new and it becomes a total loss within the period shown in Part B, we will replace it with a new one of the same make, model and specification if available locally. We will also pay the first 12 months cost of registration and compulsory third party insurance when we receive any refund obtained for these items.
COVER PART 2 DAMAGE TO OTHER PEOPLES PROPERTY This section applies to all types of cover (including Third Party Property Only). We will: cover your legal liability for accidental damage caused by use of the car or a trailer or caravan attached to it. The maximum we will pay for the total of all liability claims against us arising from one event is $20 million. extend this cover to other licensed drivers permitted by this policy and using the car with your consent; to any passenger in the car; and to your employer, principal, or business partner if you are insured for business use. also pay for legal costs if we agree to pay your liability claim and we instruct our lawyers to act in connection with the claim. We will not: pay for damage to property owned by or in the control of you or the driver, or anyone that normally lives with you or the driver. pay for bodily injury to you or any person driving, using or in charge of the car, or to any person that normally lives with you or the driver, or to any person that you or the driver employ. pay for any loss or damage to a substitute car. pay for any liability caused by the use of a substitute car covered by another insurance policy. pay for any liability covered wholly or partly under a compulsory statutory scheme, or which would have been covered except for: o application of any excess or deductible under the scheme o failure to register the car, or to apply for cover under the scheme, or to comply with conditions of the scheme. pay any fines, punitive, exemplary or aggravated damages awarded against you or the driver.
COVER PART 3 FIRE AND THEFT COVER FOR THE CAR This section applies only if the type of cover shown on your Insurance Certificate is Comprehensive or Third Party Fire and Theft. Loss or damage to the car If the car is stolen or catches fire, we will pay up to the maximum of the amount shown on the Insurance Certificate. We will also pay the reasonable cost of recovery, towing and storage of the car if it was unsafe to drive as a result of the damage. Hire Car after Theft If we pay a claim for theft of the car, we will also reimburse your reasonable cost of hiring a similar car until the car is recovered, your claim is paid, or for a maximum period of 14 days, whichever occurs first. The maximum payable under this benefit is the amount shown in Part B. We will not pay any additional costs of hiring, fuel, insurance or damage to the hire car.
COVER PART 4 UNINSURED MOTORIST DAMAGE This section applies only if the type of cover shown on your Insurance Certificate is Third Party Property Only or Third Party Fire and Theft
If the car is involved in a no fault accident with an uninsured vehicle, we will cover your damage up to $3000 or the market value of the car, whichever is the lesser, but only if you report the accident to the police. Product Disclosure Statement Part A - Page 4 GENERAL EXCLUSIONS APPLYING TO THE WHOLE POLICY This Policy does not cover any loss, damage or liability arising out of the use of the car: if at the time of or following an incident, the driver of the car o did not hold and comply with the conditions of a valid licence to drive it in Australia o was under the influence of alcohol or any drug. o was in excess of the lawful blood alcohol level limit in force where the car was being driven. o refused to take a legal test for alcohol or any drug. unless that person was not named in this policy and we agree that you did not know, or could not have reasonably known of the above circumstances. by anyone without your consent, unless you take all steps required by us to press charges against the relevant person. by any unlisted driver excluded by age, other than for the commercial servicing, repairing or valet parking of the car. if the car has any modification from the manufacturers original design without our written agreement. for carrying passengers for payment, or other peoples goods for payment, driving tuition for payment, or let on hire to others. in connection with the motor trade other than for the purpose of commercial servicing or repairing the car. for racing, trials, tests, contests, rallies. for any unlawful purpose. in any unsafe, unroadworthy or overloaded condition, unless this condition did not contribute to the loss or damage. to carry explosive, flammable, toxic, corrosive or polluting goods unlawfully, or for business purposes. if you do not go with the car when it is shown for sale to someone and it is stolen. You are not covered under this Policy for: any improvements to the car beyond its condition before the loss or damage occurred. any reduction in the value of the car following repair. tyre damage caused by punctures, cuts or bursts. financial or consequential loss such as that resulting from loss of use of the car or any personal property. wear and tear, abuse, corrosion, rust or depreciation. mechanical, structural, electrical, electronic, computer or computer program failures, malfunction or breakdowns. incidents occurring outside Australia. loss, damage or liability: o deliberately caused by any person covered under this Policy or any person acting on their behalf. o caused directly or indirectly by the use, existence or escape of any nuclear or radioactive material, or by any act of terrorism involving nuclear, biological or chemical weapons, pollution or contamination. o caused by the discharge or escape of any oil, coolant, pollutant or contaminant from the car other than as a result of a collision. o caused directly or indirectly by war, invasion, act of foreign enemy, hostilities (whether war is declared or not), civil war, rebellion, revolution, insurrection, military or seized power. o resulting from lawful repossession or confiscation, or by nationalisation or requisition under the order of any government or public authority. o caused as a result of cleaning, modifying, repairing or restoring the car. o arising from any agreement or contract unless that liability would have existed otherwise.
THE COST OF INSURANCE The price we quote for insurance is at our sole and unrestricted discretion. It will be based on the profile of the risk to be covered and any other factors we may choose. Examples of factors which may affect your risk profile include the age of the driver, the vehicle type, where it is kept, how it is used, how secure it is, the history of previous insurance, incidents and offences and infringements for both you and other drivers. Other factors may affect the price you pay. These may include profitability, intermediary commission and any relevant compulsory government charges, taxes or levies that relate to your policy (eg. Stamp duty, GST and Fire Services Levy). Any of these factors may change at any time without notice, as may our prices. If the policy renews, the price may exceed the price paid for the previous policy. Product Disclosure Statement Part A - Page 5
For Comprehensive policies, we may allow a No Claim Discount to reward a good driving history. For additional premium you may be eligible to protect your No Claims Discount and/or reduce your excess on window glass claims.
You can pay annually or by instalments, either by direct debit or by credit card. If you choose to pay by instalments the total premium may be higher, and fees will apply. We will tell you both the total annual and instalment amounts, so you will know the difference. Payment details and due dates will be advised to you. The total payable includes government charges. If you do not pay for the policy: If an instalment is overdue by 14 days or more, we can refuse to pay a claim. If an instalment is overdue by at least one month, the policy is cancelled automatically without notice to you. WHEN YOU RECEIVE THE POLICY Make sure the information is correct. Please check the information you have given us and notify us of any changes or corrections. This is an important part of your Duty of Disclosure. Cooling-off period If you have not made a claim, you are allowed to cancel this policy within 21 days of the purchase date and receive a full refund of what you have paid. CHANGING THE POLICY Change of insurance details during a policy term You must tell us immediately if the car is modified, or if there is any change to the drivers, usage, ownership, or the place where it is normally kept. If you do not tell us, we may reduce or refuse to pay a claim. If you replace the car with another When you permanently replace the car with a similar one, cover for the previous car ends at the same time. Your replacement car automatically has the same cover as this policy for 14 days from the purchase date, but not exceeding the market value or the purchase price, whichever is lower. RENEWING THE POLICY We will normally send you a renewal offer before the expiry date. It will show the premium and excess for the new period, and may also include notice of any changes to the terms of this Policy. For your continued protection, your insurance will then be renewed automatically, unless you contact us. When you receive a renewal offer, you must tell us if the information contained in it is incorrect or incomplete. If you do not tell us, we may reduce or refuse to pay a claim. This is an important part of your Duty of Disclosure. If we do not offer to renew your policy, we will send you a notice of expiry. If the policy renews, the price may exceed the price paid for the previous policy.
CANCELLING THE POLICY By You unless there has been a claim made during the current period of insurance, you may cancel the policy at any time by contacting us. If a claim arises from an incident occurring before the cancellation, we may recover any outstanding premium due to us. By Us we can only cancel your policy when it is permitted by law e.g. if you do not perform your obligations under the agreement. In such event, we will refund what is left of the premium paid and we will send written notice of the cancellation to your address last known to us.
CONDITIONS OF COVER You must ensure that: you keep evidence of ownership and value of all the insured property to support any claim. we are supplied, at all times, with true and complete information regarding the car, the insured drivers and any incidents which may lead to claims under this policy. the car is locked, any required security devices are activated and all keys are removed when it is left unattended for any period. all reasonable steps are taken to prevent any loss or damage, including after an accident, breakdown or theft recovery. Product Disclosure Statement Part A - Page 6
we are provided with all information and assistance necessary to process any claims, recover any costs or take any legal action. This may include information regarding the driving history of you, your spouse/partner or the driver of the car. the police are notified immediately of any incident involving theft or malicious damage. no costs are incurred and no admission of liability, offer or settlement is made without our agreement. the relevant State or Territory licensing authorities are notified of any disabilities or medical conditions that may affect your ability to drive. we are told immediately if you or the driver is charged with an offence or face a civil lawsuit following an accident. you notify us of any other insurance you have that provides similar cover to this policy. We are entitled to: pay for your loss or damage either by payment, repair or replacement. pay all or a part of any settlement to the legal owner or financier of the car in the event of a loss. take over and conduct the defence and settlement of any claim in your name or in the name of any other person insured by this policy. instigate proceedings in your name or in the name of any other person insured by this policy to recover any payment that we have made. refuse a claim for any loss which is covered under a contract arranged by a person other than you. MAKING A CLAIM Excess payable on claims Payment of an excess helps to reduce the number of small claims and keep down your insurance premiums. An excess is the first amount you may have to contribute towards the cost of any claim. The total excess you may have to contribute to a claim is the sum of the Basic Excess and all of the Additional Excesses which apply and are shown in Part B and on your Insurance Certificate You do not have to pay any excess if the car is involved in a no fault accident with another vehicle and the amount of your claim is more than the basic excess. Repairs to the car You can nominate your preferred repairer. However, we will only pay for repairs we have authorised in writing beforehand, except for essential temporary repairs of up to $400 to allow the car to be driven immediately after an accident. If requested the car must be available for inspection at a location nominated by us. If a repairers quotation is not competitive, or we believe the repairs would be unsatisfactory, we can decide to instruct another repairer or to pay the reasonable cost of a competent and guaranteed repair. Our duty is to return the car to the condition it was in immediately before the damage happened. If we agree to additional repairs, painting or parts which improve the condition of the car, you may have to pay for the amount of the improvement. We will authorise only the use of manufacturers original or approved parts or parts that comply with Australian Standards. These will be either new or consistent with the age of the car. If it is necessary to use any other parts, we will only use them with your agreement.
Total loss of the car If the car is stolen and not recovered, or we decide that it would not be economical to repair the car, and we then pay the amount you insured it for less the excess: the car becomes our property and we keep the proceeds of any salvage sale and balance of registration. this policy comes to an end and no refund of premium is due. Product Disclosure Statement Part A - Page 7

No Claim Discount (NCD) after a claim You will not lose any NCD with us on renewal if a claim is for window glass only. You will not lose any NCD with us on renewal if the car is involved in a no fault accident with another vehicle. For other claims, your NCD will be reduced on renewal by 2 years for each claim and the cost of insurance may increase accordingly. Different terms apply if you have purchased NCD Protection (see Part B). GST Where appropriate all insured amounts in the Policy and all claims payments made are inclusive of GST. PRIVACY POLICY The privacy of your personal information is very important to us. We only collect information from you that is relevant to providing you with products and services. It will only be disclosed to other people involved with the provision of these products and services. These may include: o any insurance intermediary involved in the transaction. o service providers where required such as claims assessors, investigators, lawyers or police and affiliated service providers. o other insurers, for the purpose of seeking claims recoveries or to assist them to assess insurance risks. We may also obtain information about you from some of the above parties. You may request access to the personal information we hold about you. You may request a copy of our Privacy Policy by writing to us at our contact address.
OUR SERVICE COMMITMENT We support the General Insurance Code of Practice, which was developed by the Insurance Council of Australia in consultation with Federal Government authorities, consumer interest groups and the general insurance Industry.
It is always our intention to provide you with the best possible service. However, if you have any cause for complaint, you should: Step 1 - Contact the appropriate department manager at our agent, Insurers Hotline Pty Ltd, at the details shown on your Insurance Certificate. Step 2 - If the matter is not resolved to your satisfaction within 14 days, please write to the Dispute Resolution Manager at our agent, Insurers Hotline Pty Ltd at PO Box 342, Toowong, QLD 4066. Step 3 - If you are still not happy with our answer, we will give you details of independent dispute resolution facilities operated by Insurance Ombudsman Service Limited, which includes an independent Review Panel.
CONTACT DETAILS You may contact us by writing to: The Manager Auto & General Insurance Company Limited PO Box 342 Toowong QLD 4066
Product Disclosure Statement Part B Car Insurance Policy
WHAT IS A PRODUCT DISCLOSURE STATEMENT? This Product Disclosure Statement will assist you to make an informed decision about our insurance product. It consists of two parts, which you should read before making a final decision to purchase: 1) PART A contains the general terms and conditions of all our policies. 2) PART B contains specific details about the product option that you selected.

IF YOU HAVE ALREADY PURCHASED OUR POLICY: This Product Disclosure Statement becomes your INSURANCE CONTRACT together with the most recent: INSURANCE CERTIFICATE YOUR DECLARATIONS COVER LETTER After reading the documents carefully, you should keep them in a safe place for future reference.
























Product Disclosure Statement effective date 4 th July 2005 Product Issuer: Auto & General Insurance Company Limited ABN 42 111 586 353 AFS Licence No 285571 Registered Office: Level 6, 9 Sherwood Road, Toowong, QLD 4066 LIMITS REFERRED TO IN PART A Personal Effects $250 Hire Car after Theft $1000 Trailer $500 Emergency Transport and Accommodation $100 per day, up to $300 in total. New Car Replacement 1 year from original registration in your name.
EXCESS ON CLAIMS This is the amount you may have to pay towards each claim. Basic Excess applies to all claims. It will be a standard amount, or you may also be able to choose a higher amount to obtain a lower premium. In some circumstances we may decide to impose a higher excess.
Additional Excesses apply as follows when the car is driven by a person who is not an excluded driver, but who: is under 21 years of age is aged 21 to 24 years inclusive has not held a full Australian licence for at least 2 years is not listed as a driver on the Insurance Certificate
The total excess you have to contribute to a claim is the sum of the Basic Excess and all of the Additional Excesses which apply to the driver of the car. We will advise you of all excess amounts when you apply for the insurance.
NO CLAIM DISCOUNT PROTECTION (OPTIONAL) This optional benefit applies only if indicated Yes on the Insurance Certificate.
You are entitled to make 1 claim during the current period of insurance, or 2 claims in a 3 year period without affecting your NCD. For additional claims, your NCD will be reduced on renewal. When you have held this policy continuously for 2 years on maximum NCD (Rating 1) without making any claim, you will keep your rating 1 for life as long as you continue your policy with NCD protection.
REDUCED WINDOW GLASS EXCESS (OPTIONAL) This optional benefit applies only if indicated on the Insurance Certificate.
FEES THAT MAY BE CHARGED Once you have taken out a policy, our agent Insurers Hotline Pty Ltd may charge any of the fees below (if applicable): Policy Amendments $11.00 Early Cancellation $33.00 Instalment Processing New policies 10 payments of 77 cents per $100 of premium or part thereof. Instalment Processing Renewing policies 12 payments of 66 cents per $100 of premium or part thereof. Payment Resubmission $11.00

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