Your no claim bonus

Your no claim bonus is a discount that rewards your safe driving. It increases each year you do not make an ‘at fault’ claim on your policy until it reaches a set maximum. Your no claim bonus discount is not affected if either:

• You make a claim and we agree that you or the person driving your car were not wholly or partly responsible for the incident and you can provide us with the ‘at fault’ driver’s name, vehicle registration number and contact details.
• Your claim is for damage to your car’s windscreen, sunroof or window glass only.

When you make an ‘at fault’ claim during the period of insurance, the discount decreases. If however you have a protected maximum no claim bonus, your discount remains unchanged for the first ‘at fault’ claim you make (see page 13 of the PDS).

See page 12 of the PDS

Costs to complete your journey
When the loss or damage means you cannot use your car to get you and your passengers from the scene of the incident to your home, your original destination or to a safe place, we will reimburse the costs necessary to do so up to $500.

Your emergency accommodation expenses
When the loss or damage means you cannot use your car, and you are more than 100km from your home, we will pay up to $250 per night towards the cost of emergency accommodation for you and your passengers for up to four nights.

Essential temporary repairs for your car
When the damage is such that your car cannot be safely driven and you arrange for temporary repairs to make it safe, secure or roadworthy, we will pay for those repairs up to $750.

See page 11 of the PDS

When we repair your car (choice of repairer)

If we decide to repair your car we obtain competitive quotes from our approved repairer network. You can also ask a repairer of your choice to provide a quote.

Whichever repairer we choose, we guarantee the quality of the workmanship and materials authorised by us for the life of your car, in addition to any other rights you may have. If you wish to make a claim on this guarantee, please contact us with details, including any costs you incur in making the claim.

Our goods come with guarantees that cannot be excluded under the Australian Consumer Law. You are entitled to a replacement or refund for a major failure and compensation for any other reasonably foreseeable loss or damage. You are also entitled to have the goods repaired or replaced if the goods fail to be of acceptable quality and the failure does not amount to a major failure.

See pages 24 and 25 of the PDS 

Towing your car

When the damage is such that you cannot use your car, we will pay for the reasonable cost of towing your car and any caravan or trailer attached to it, from the scene of the incident to the nearest approved repairer or to a safe location that we choose.

See page 12 of the PDS

We will pay up to $2,000 for the repair or replacement of your box, garden or luggage trailer if it is stolen or damaged while in your possession or attached to your car.

See page 12 of the PDS

When you replace your car, we will insure your new car provided:  

• You tell us about your new car within 14 days of purchasing it.  
• It is a car we would ordinarily insure.  
• You pay us any additional premium we require.  

Cover will cease for your previous car when you take delivery of your new car. The most we will pay for loss or damage that occurs within the first 14 days following the purchase of your new car, is the purchase price of your new car less any excesses that may apply.

See page 13 of the PDS