Original Comprehensive Car Insurance Product Disclosure Statement Tables

Premium Factor	Possible Impact
Age and gender of Named Driver(s)	The age and gender of Named Driver(s) may affect the Premium.
Discounts	You may qualify for one or more of the discounts offered by us.
Driving history of Named Driver(s)	Driver(s) with different levels of experience and claims may attract different Premiums or Excesses.
Amount of Basic Excess selected	Your Premium may be affected by the amount of Basic Excess selected.
Whether your Vehicle is subject to finance	Your Premium may be affected if you have taken out a loan for your Vehicle.
Garaging address of your Vehicle	If your Vehicle is stored in a high-risk area, it may affect your Premium.
Annual kilometres for your Vehicle	The annual distance you drive your Vehicle may affect your Premium.
Type of vehicle and its Accessories/Modifications	Average repair costs for vehicles and Accessories and Modifications my affect your Premium.
Use of your Vehicle	Using your Vehicle for Business Use may affect your Premium.
Sum Insured	A higher Sum Insured will normally attract a higher Premium.
Storage type of your Vehicle	Where your Vehicle is stored may affect your Premium.
Frequency of use for your Vehicle	How frequently you use your Vehicle may affect your Premium.

What we pay		Information
Total Loss	$30,000	Total Loss has occurred. We will pay the Sum Insured shown on your Certificate of Insurance.
Towing costs	$500	The towing cost that you paid to the towing company is reimbursed to you.
Less Excess	$0	As you were Not at Fault, you do not have to pay the Basic Excess or any Non-Removable Excesses.
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	$30,000

What we pay		Information
A replacement vehicle	$28,500	Your Vehicle is less than 2 years old and the ‘New Vehicle Replacement’ Additional Benefit applies.
Less Excess	-$500	You are only required to pay the Basic Excess as your Vehicle was damaged by fire and was not being driven at the time of loss.
Total claim	$28,000

What we pay		Information
Damage to your Vehicle	$4,800	Your Vehicle is deemed repairable.
Less Excess	-$500	Basic Excess applies as you were At Fault. An Age Excess does not apply as you are over the age of 25.
Total claim	$4,300

What we pay		Information
Damage to your Vehicle	$4,800	Your Vehicle is deemed repairable.
Less Excess	-$500	Basic Excess applies as you were At Fault.
Less Excess	-$500	An Age Excess applies.
Total claim	$3,800

What we pay		Information
Damage to your Vehicle	$0	As your Policy is specifically endorsed to exclude any drivers under the age of 25 as shown on your Certificate of Insurance, we will not Cover you.
Total claim	$0

What we pay		Information
Windscreen replacement	$400	Your windscreen is replaced, and we have been invoiced by the windscreen company.
Less Excess	-$0	You do not have to pay an Excess for windscreen or window glass claims.
Total claim	$400	We will pay this directly to the windscreen company.

What we pay		Information
Theft of your Vehicle	$15,000	Your Sum Insured $15,000.
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.
Total claim	$14,500

What we pay		Information
Damage to other person's vehicle	$4,800	This vehicle is deemed repairable.
Less Excess	-$500	Basic Excess applies.
Total claim:	$4,300*

What we pay		Information
Damage to other person’s vehicle	$4,800	This vehicle is deemed repairable.
Less Excess	-$500	Basic Excess applies.
Less Excess	-$500	An Age Excess applies.
Total claim:	$3,800*