| 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 |