Premium factor Possible Impact Third Party Cover Third Party Fire & Theft Cover
Age and gender of Named Driver(s) The age and gender of Named Driver(s) may affect the Premium. Yes Yes
Discounts You may qualify for one or more of the discounts offered by us. Yes Yes
Driving history of Named Driver(s) Driver(s) with different levels of experience and claims may attract different Premiums or Excesses. Yes Yes
Amount of Basic Excess selected Your Premium may be affected by the amount of Basic Excess selected. Yes Yes
Garaging address of your Vehicle If your vehicle is stored in a high-risk area, it may affect your Premium. Yes Yes
Type of vehicle and its Accessories/Modifications Average repair costs for vehicles and Accessories and Modifications may affect your Premium. Yes Yes
Use of your Vehicle Using your Vehicle for Business Use may affect your Premium. Yes Yes
Sum Insured A higher Sum Insured will normally attract a higher Premium. No Yes
Annual kilometres for your vehicle The annual distance you drive your Vehicle may affect your Premium. Yes Yes
Frequency of use for your Vehicle How frequently you use your Vehicle may affect your Premium. Yes Yes
Storage type of your Vehicle Where your Vehicle is stored may affect your Premium. Yes Yes
Whether your vehicle is subject to finance Your Premium may be affected if you have taken out a loan for your Vehicle. No Yes

Legal Liability Third Party Cover Third Party Fire & Theft Cover Limits (up to) Page
Loss or damage to other people's property Yes Yes $20,000,000 in total 18
Legal Liability cover for death or bodily injury Yes Yes $5,000,000 in total 19

Additional Benefit Third Party Cover Third Party Fire & Theft Cover Limits (up to) Page
14-day change of vehicle Yes Yes 14 days 22
Choice of repairer Yes Yes 22
Legal Costs Yes Yes No Limit but pre-approval required 23
Repairs guaranteed for life Yes Yes Unlimited 23
Substitute vehicle Yes Yes Up to $20,000,000 24
Uninsured motorist extension Yes Yes Up to $3,000 24
Baby capsules No Yes Replacement value 25
Hire car following theft No Yes Up to $65 per day up to 21 days 25
Theft of keys No Yes Up to $1,000 26
Recovery costs following Theft No Yes As agreed by us 26
Towing and storage No Yes As agreed by us 26

What we pay Information
Total Loss $3,000 Total Loss has occurred.
Less Excess -$500 Basic Excess applies as your Vehicle was stolen and you are unable to provide a Police Report identifying the name and address of the offender who has been charged or convicted.
Less outstanding premium -$500 You are required to Pay any outstanding Premium (this includes any remaining monthly instalments for the term of your Policy)
Total claim $2,000

What we pay Information
Damage to vehicle $1,600 The vehicle is deemed repairable and the maximum we will pay under the ‘Uninsured motorist extension’ benefit is up to $3,000.
Less Excess -$0 Basic Excess does not apply as you are considered Not At Fault.
Total claim $1,600

What we pay Information
Damage to vehicle $4,800 This vehicle is deemed repairable.
Less Excess -$500 Basic Excess applies as you were At Fault.
Total amount paid to Third party $4,800
Total Cost to RAA $4,300

What we pay Information
Damage to vehicle $4,800 This vehicle is deemed repairable.
Less Excess -$500 Basic Excess applies as you were At Fault.
Less Excess -$500 A Non-removable Age Excess applies.
Total amount paid to third party $4,800
Total Cost to RAA $3,800

What we pay Information
Damage to the other person's property $3,350 The quote for repairs to the fence has been supplied to RAA and we consider the quote to be reasonable.
Less Excess -$500 Basic Excess applies as you are considered At Fault and you are over 25 years of age.
Total amount paid to third party $3,350
Total Cost to RAA $2,850