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Hire vehicle

If your vehicle is stolen or becomes a total loss and we have accepted your claim, we will pay for the
reasonable expenses of hiring and insuring a similar vehicle, limited to a maximum of seven days or $500

Auto Onewhichever is less. No hire charges will be paid after:

? the recovery of your vehicle in a driveable condition; or
? we have paid your claim.

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 involved in an accident during the period of insurance, and:

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

? 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.

A COMPREHENSIVE MOTOR INSURANCE POLICY BY

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