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Section 1: Loss to your vehicle

What you are covered for:

You are covered under Section 1 for sudden and accidental physical loss or sudden and accidental physical
damage caused by fire or theft that occurs during the period of insurance, unless excluded by this policy.

What your vehicle will be used for

We will insure your vehicle only while it is being used:
? for social, domestic and pleasure purposes;
? for professional business or farm purposes including carriage of goods for farm purposes;
? by religious, social welfare or youth organisation workers in the course of that work.

But excluding:

? use in connection with motor trades, any form of selling and / or collection, insurance assessing, motor-
driving instruction for reward, carriage of goods or samples in connection with any trade or business,
hire, carriage of fare-paying passengers or a stock and station agency.

However, this exclusion does not apply to any vehicle which is shown in the certificate of insurance as
being covered for business use and for which we have received the appropriate business use premium.

User of the Vehicle

This policy only provides cover at the time of loss if the person using the vehicle is;
1. you, or
2. a named driver.

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.

What special benefits you are covered for

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.

Completion of journey

We will pay up to $500 towards your reasonable costs of accommodation and/or travel to complete your
journey or return home following an accident to your vehicle or where your vehicle is stolen for which
a claim is accepted. In addition, we will pay to return your vehicle home after it has been repaired or
recovered. This benefit also extends to the driver, passengers and domestic pets travelling in your vehicle if
they are not the insured.

Fatal injury

If you or your husband or wife or de facto partner die as a 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

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