Comprehensive Car Insurance Policy

8/2/2019 Comprehensive Car Insurance Policy

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COMPREHENSIVE CAR

INSURANCE POLICYProduct Disclosure Statement


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AAMI: Peace o mind

Peace o mind comprehensive car insurance rom AAMIAAMI comprehensive car insurance provides you with the peace o mind thatcomes rom knowing that not only are you properly covered but also that youwill have our great experience working or you in resolving what needs to bedone should your car be damaged in an accident, stolen, or its use causes

damage to someone elses property.

Peace o mind we choose the repairerIts enough to have had your car damaged without having to worry aboutarranging its repair. We do all that or you. You can sit back and relax whilewe put our repair expertise gained over a lietime o arranging the properrepair o hundreds o thousands o cars to work or you.

Peace o mind genuine partsWe use genuine parts in the repair o your car. See pages 2425.

Peace o mind Lietime Repair GuaranteeBecause we take total responsibility or the repair o your car, we guarantee itsrepair or lie. Even i you sell it. See page 25.

AAMI Sae Driver Rewards

We reward your sae driving with additional benets. See pages 4041.

Hire car i your car is stolenWe provide you with a hire car or up to 21 days i your car is stolen. Seepages 1517.

Reund o emergency costsI your trip is interrupted by an accident, mechanical breakdown or thetinvolving your car and you are more than 100 km rom your home, we canhelp with the reund o emergency costs. See pages 1213.

Discount on AAMI home and contents insuranceYou may qualiy or discounts o your AAMI home and contents insurance.Call 13 22 44 or visit aami.com.au

AAMI Skilled Drivers Course

Your children and grandchildren under 25 are eligible or a ree one-dayAAMI Skilled Drivers course designed to improve their driving awareness andcompetence. See page 14.

AAMI 2011


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Important inormation 6

What we cover

The protection we provide 9

Value or moneyThe benets we provide 11

Further rewards 14

AAMI hire car benets 15

Are you covered? 18

We will not pay or 20

What to do and what happens when:

Your car has been damaged AAMI

chooses the repairer and arranges the repair 22

Your car has been stolen 23

The use o your car has caused damage

to someone elses property (legal liability) 23

Further inormation about repairing

or replacing your car 24

Your responsibilities when you claim on your policy 28

About excesses, ratings and benets 30

Important general inormation 42

What do we mean by that? 48

AAMIs Dispute Resolution Process 50

Contents


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Important Inormation

Your AAMI Product Disclosure StatementThe AAMI Comprehensive Car Insurance PolicyThis Product Disclosure Statement (PDS) provides inormation about the productwe oer: the AAMI Comprehensive Car Insurance Policy. When we agree

to insure your car, your policy comprises this PDS, any supplementary PDSwe send you and your policy schedule which shows the detail o the policyparticular to you. See page 48.

This PDS was completed on 1 September 2011.

Our commitment to youWhen you are an AAMI policyholder and you need to claim on your policy,our claims service will take away the stress and hassle. We are here to help

you 24 hours a day, every day o the year.

I your car has been damaged or stolen or someone is claiming against you,please phone us immediately on 13 22 44.

Please read this policy careully and retain it so you can reer to it i required.

We rely on the accuracy o your inormationWhen we agree to insure you, to renew or vary your policy, or to pay yourclaim, our decision relies on the accuracy o the inormation you give us. I thatinormation is not accurate, we can reduce or deny any claim you may makeor cancel your policy. We never want to have to do that, so you must answerhonestly, correctly and completely the questions we ask about:

you,

any other people who drive or will drive your car,

your car,

where your car is kept,

the driving and insurance history o you and any other people who drive orwill drive your car,

any events that may result in a claim on your AAMI policy.

When you receive your renewal notice, please careully check the inormationit shows. I any o that inormation is incorrect or incomplete, please call us andwe will update our records.

We also require you to:observe the conditions contained in your AAMI policy, and

pay or agree to pay us the premium we charge and any excesses thatapply.

Evidence o ownershipWhen you make a claim, we may ask you to provide evidence o ownershipand value o property. This evidence includes receipts, credit card and bankstatements, photographs or contracts o sale.

I you are unable to provide us with the evidence we require, we may reduce

or reuse to pay your claim.

Some words in this policy have defnite meaningsThis policy uses words that have denite meanings. To make sure you areaware o these words and their meanings, please read What do we mean bythat? on pages 4849.


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This policy does not cover some events,circumstances and situationsAs you read through this policy, you will see there are some events,circumstances and situations it does not cover. To make sure you are aware o

these exclusions, please read the whole policy careully including the sectionsAre you covered? beginning on page 18 and We will not pay or beginningon page 20.

See also Important general inormation on pages 4247.

Earned and purchased beneftsThis policy provides benets you are able to earn depending on your saedriving record as an AAMI policyholder under this policy and other benets

you may be able to purchase. Benets you earn and benets you purchase areshown on the most recent o your insurance schedule, renewal notice and anyreceipt we may send you.

The protection we provideWe will pay or any accidental loss, damage (including malicious damage)and liability or property damage covered by your AAMI policy occurringduring the period o cover.

When your car has been damaged, we will decide to repair it, pay the costo repairing it, declare it a write-o and pay the agreed value, or replace it.See pages 2229 or details.

When your car has not been ound ater being stolen, we will declare it awrite-o and pay the agreed value or replace it. See pages 2229 or details.

When the use o your car causes damage to someone elses property, we willpay or your legal liability. See page 2324 or details.

We cover your car or its agreed valueYour cars agreed value is based on the value given or its make and modelin the motor trades most commonly accepted price handbook. It includesmodications and manuacturers options and accessories that we haveagreed in writing to insure.

The agreed value is established at the commencement o your AAMI policyand adjusted at the beginning o each subsequent period o cover. It is shown

on the most recent o your insurance schedule and renewal notice and it doesnot change during the period o cover.

It includes GST and is the most we will pay or your car, less any excess andany other deductions this policy explains, or any accidental loss and damagecovered by this policy occurring during the period o cover.

A new car when your car is less than 2 years old and wedeclare it a write-oI we declare your car a write-o because o damage or thet within therst 2 years o its original registration, we will replace it with a new carand pay the initial on-road costs.

What we cover


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The replacement car:

will be o the same make and model as your car,

will be tted with the same insured options and accessories as thosetted to your car, and

has to be locally available. I it is not locally available, we will pay theagreed value.

I your car is under nance, you have to obtain the approval o thenancier beore it can be replaced.

What happens when your car is 2 or more years old andwe declare it a write-o?I we declare your car a write-o and 2 or more years have passed sinceit was originally registered, we will pay the agreed value.

The benefts we provide

Hassle ree claimsOur claims service will take away the hassle and stress o having an accident.From quotes to repairs to keeping you inormed o your cars progress. See

pages 2229 or details.

Genuine partsWe use genuine parts in the repair o your car. See pages 2425 or details.

Lietime Repair GuaranteeWhen we authorise repairs to your car, we take total responsibility or them.We guarantee them or the lie o your car. Even i you sell it. See page 25.

We cover your replacement carI you replace your car with another car, we will insure the replacement carrom the time o its purchase, provided:

the replacement car is one that we would normally insure,

you tell us within 14 days o the purchase o the replacement car, and

you pay any additional premium we require. I an additional premium ispayable, we will tell you how much it is and how it is to be paid.

The cover ends or the replaced car and begins or the replacement car at thetime you take delivery o the replacement car.

I we agree to insure your replacement car and you pay us any additionalpremium we require, we will send you a new insurance schedule.

Value or money


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We help replace your car keys i they are lostWe reimburse up to $1,000 o the cost o replacing and re-coding your carkeys i they are lost.

We help replace baby seats/capsules

We pay up to $500 to replace baby seats/capsules that are tted to your cari they are stolen or damaged in an accident.

We help pay or damage to commercial signage on your carWe pay up to $500 or the repair o damage caused by an event coveredunder this policy to commercial signage on your car.

We help pay or damage to your trailerWe pay up to $750 or accidental damage to your trailer that occurs while it isattached to your car (excludes camper trailers and caravans).

We help pay or damage to your clothingWe pay up to $500 or replacement o personal clothing damaged in anevent which causes damage to your car.

We help with the cost o keeping your car sae ater anaccidentWe pay the reasonable cost o t ransporting your car to the nearest repairer orplace o saety i it is damaged and cannot be saely driven. The amount wewill pay under this benet will depend on where the accident takes place andwhat transport options are available.

Emergency costs mechanical breakdown, accident or thetI your journey in your car is interrupted by an accident, mechanical breakdownor thet more than 100 km rom home, call AAMI on 13 22 64. We canhelp with emergency costs. No excess is payable on these benets.

We help you by reimbursing these emergency costs you incur:

up to $500 o the overall cost or you and members o your amily travellingwith you or essential accommodation and travelling expenses.

up to $500 per item, up to $1,000 in total or personal items such as

luggage or clothing damaged or lost in the accident or thet. Personal itemsexclude cash, mobile phones, portable computers and any tools usedor business.

up to $500 o the cost o towing your car to the nearest repairer ater amechanical breakdown.

We provide an accidental death beneftWe will pay your legal personal representative $5,000 i you die within 12months as the result o an accident while driving your car. Your death must bethe direct result o bodily injury caused in the accident (but not by suicide).

Switching to AAMI?At AAMI, we believe that establishing a sae driving record and becoming aRating One driver should always be something to be proud o, that also earns

you meaningul rewards. So when you switch to AAMI, we review your carinsurance and driving record and welcome you with the rating you would have

earned had you always been comprehensively insured with AAMI.


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Further rewardsWe oer a range o premium and claim related benets that you may qualiyor rom the moment you become an AAMI policyholder. Please note that someo these benets require the payment o an extra amount on your premium.

AAMI Lietime Rating OneWe recognise your good driving record. Once youve held an AAMI RatingOne or 12 months, well give it to you or lie, at no extra cost. No matter howmany accidents you have in the uture. See page 35 or details.

AAMI Sae Driver Rewards

We reward your sae driving with additional benets. These benets areearned progressively based on the number o consecutive years you remain inthe AAMI Sae Driver Rewards Program and are retained or as long as youcontinue to drive without making an at ault claim. See pages 4041.

AAMI Skilled Drivers CourseYour children and grandchildren under 25 are eligible or a ree one-dayAAMI Skilled Drivers course designed to improve their driving awareness andcompetence. On completion they receive discounts on AAMI comprehensive

insurance until theyre 25 (available in Adelaide, Brisbane, Canberra, Hobart,Melbourne and Sydney). Call 13 22 44 or details.

AAMI Home and Contents insurance discountsYou may qualiy or a discount on your AAMI home and contents insurance.Call 13 22 44 or details.

AAMI hire car beneftsOur standard conditions or hire cars apply to all hire car benets in this policy.See page 17.

A hire car i your car is stolen we pay the daily hire rateI your car is stolen, we can arrange a hire car or you or up to 21 days.We will pay the daily hire rate or the period the hire car is provided to you.

The hire car we arrange will be a our-cylinder, air-conditioned, automaticour-door sedan or hatchback.

I, within 14 days rom when you told us your car had been stolen, your car is:

not recovered, you can keep the hire car or the ull 21 days;

recovered undamaged, the hire car must be returned to us;

recovered damaged and we decide that the damage:

can be properly repaired, the hire car must be returned to us;

is such that we declare your car a write-o, you can keep the hire caror a urther 7 days rom our write-o declaration.

I your car is ound undamaged within the 21 day period and the hire car cost is:

less than any excess you have paid, we will reund the balance,

more than any excess you have paid, we will pay the balance.

I your car is damaged

Discount Hire Car Beneft an extra premium is payable (seeSapphire Sae Driver exception below)This benet provides you with a hire car at a discounted daily hire rate or up toten days while accident damage to your car is being repaired under the termso this AAMI policy. You are responsible or paying the discounted daily hirerate or the period the hire car is provided to you.


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I we authorise the repair o your car and subsequently decide within the tenday benet period that your car cannot be properly repaired, we will declare

your car a write-o and the hire car must be returned to us.

The hire car we arrange will be a our-cylinder, air-conditioned, automaticour-door sedan or hatchback.

You can add this benet to this policy by paying an extra premium when youcommence or renew your policy.

When you have reached Sapphire Sae Driver status on this policy, we willadd this benet to this policy, or no additional premium. See pages 4041.

This benet is not available to some policyholders. Call 13 22 44.

Comprehensive Hire Car Beneft an extra premium is payableThis benet provides you with the convenience o a hire car or the entire periodwhile accident damage to your car is being repaired under the terms o thispolicy we pay the daily hire rate.

I we authorise the repair o your car and subsequently decide that your carcannot be properly repaired, we will declare your car a write-o and the hirecar must be returned to us.

The hire car we arrange or you will depend on your car

I your car has: We will arrange a:

Up to a ve-cylinderengine, a rotary, hybrid oran electric engine.

Four-cylinder, air-conditioned, automaticour-door sedan or hatchback.

A six-cylinder or largerengine.

Six-cylinder, air-conditioned, automatic sedan.

You can add this benet to this policy by paying an extra premium when youcommence or renew your policy.

This benet is not available to some policyholders. Call 13 22 44.

Our standard conditions or hire cars

These conditions apply to all hire car benets in this policy.

The hire car we arrange will only be made available to you ater you haveclaimed on your policy and paid any excesses that apply.

The hire car will remain in your possession based on the terms o the benetthat applies to your claim. It will be covered by your AAMI policy during theauthorised hire period. I the hire car is damaged or stolen during the hireperiod, you will need to lodge a new claim under your AAMI policy and youmust pay us any excesses that apply.

The cost o uel will be your responsibility. Other conditions apply and theyare available by phoning us on 13 22 44. They include a daily kilometreallowance, limitations on authorised drivers, return to pick up location and thelodgement o a security bond.


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You are not covered: You are covered:

I your car was being used inconnection with it being serviced orrepaired.

I your car was being used ordriving tuition.

I you or a person named as aregular driver on the most recento your insurance schedule andrenewal notice was a passenger.

I your car was being demonstratedor sale.

I you or a person named as aregular driver on the most recento your insurance schedule andrenewal notice was a passenger.

I the driver o your car was notlicensed or authorised to drive it.

I your car was stolen.

I the driver o your car was underthe infuence o intoxicating liquorand/or o a drug or whose bloodalcohol level was in excess o thelegal limit in orce where your carwas being driven or who reusedor ailed to submit a specimen ortesting as required by law where

your car was being driven.

I your car was stolen.

I your car was being used or testedin or or a race, trial, test or contestor on a competition circuit, course orarena.

I your car was being driven byyou on a sae driving coursecommercially conducted by trainedinstructors.

You are not covered: You are covered:

I your car was converted, alteredor modied rom its makersspecications.

I you have told us and we haveagreed in writing to cover themodication.

For the non-standard accessories youhave tted to your car.

I you have told us and we haveagreed in writing to cover theseaccessories.

You are not covered i your car (including any attachedtrailer) was:

in an unroadworthy or unsae condition that contributed to the accidentbeing a condition that was known to and disregarded by you.

carrying more passengers or loaded above the legal limit or loaded in anillegal way.

being used or hire or reward.

being used during your ull-time, part-time or casual working period as anintegral means o earning an income, unless you have told us about this useand we have agreed in writing to cover it see Use page 49.

outside Australia.

Are you covered?


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We will not pay or:

any reduced value o your car ater it has been damaged and repairedand the repairs have been properly perormed.

repairs or car inspections carried out without our written consent.

personal items stolen rom your car, other than as provided or underEmergency costs on pages 1213.

repair or replacement o a whole set, or example, o wheels, where theloss or damage is to part o a set.

loss because you cannot use your car, or example, o wages orcommission.

depreciation, wear, tear, rust or corrosion.

mechanical, structural, electrical, electronic or other ailure or breakdown.

any additional loss or damage to your car as a result o it being driven ateran accident.

loss or damage caused by ailure to take reasonable steps to secure yourcar ater it has broken down, been damaged in an accident or you havebeen notied o its recovery ater it was stolen.

damage to your tyres caused by application o brakes or by road cuts,punctures or bursting.

loss or damage caused intentionally by you or a person acting with yourexpress or implied consent.

loss or damage caused when someone drives your car ater they havereceived medical advice that their ability to drive it is impaired by theircondition or medical treatment.

loss or damage caused by the lawul repossession or seizure o your car.

loss or damage directly or indirectly caused by, arising rom, or connectedwith:

asbestos, asbestos bres, or derivatives o asbestos in any orm;

any war, warlike activities or revolution including any looting or

pillaging;the use, misuse or existence o nuclear weapons; or the use, misuse,escape or existence o nuclear uel, waste or nuclear materials orionising radiation or contamination rom such uels, waste or materials;or combustion, detonation, ssion and/or usion o nuclear uel ornuclear materials;

actual or threatened chemical or biological pollution or contamination;or action taken by a public authority or any body authorised by apublic authority to prevent, limit or remedy such actual or threatenedrelease, pollution or contamination.

We will not pay or


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What to do and what happens when

Your car has been damaged

Phone AAMI (as soon as possible) on 13 22 44.

AAMI chooses the repairer and arranges the repair

For your peace o mind, our claims service looks ater all the arrangements orthe proper repair o your car.

I your car can be saely drivenWe arrange a time with you to bring your car to the AAMI Customer ServiceCentre most convenient to you. All you do is leave it there. We pay or yourtaxi home or back to work.

I your car cannot be saely drivenWe transport your car to either the AAMI Customer Service Centre mostconvenient to you or an AAMI approved holding yard.

The repairWe choose the repairer and arrange the repair or you. To do this, weordinarily obtain two independent, competitive quotations rom repairers werecommend. I you want, you can choose a repairer to provide one o the

quotes.Once our assessor has reviewed the quotations and what is necessary toproperly repair your car, we select the repairer:

who submitted the more competitive and complete quote, and

this is the repairer who then repairs your car.

We keep you inormed o the progress o the repair and advise you when yourcar is ready or collection.

In areas not covered by an AAMI Customer Service Centre, we arrange therepair o your car in consultation with you.

The repair is covered by AAMIs Lietime Repair Guarantee see page 25.

Your car has been stolen

Report the thet immediately to the Police and to AAMI.

We allow 14 days or your car to be ound rom when you reported its thetto us.

So you are inconvenienced as little as possible, we can provide you with a hirecar or up to 21 days. See page 15.

I your car is ound damaged within the 14 days rom when you reported itsthet to us and it:

can be repaired, we will arrange the repair. See The repair page 22.

cannot be repaired, see I your car cannot be repaired page 26.

I it is not ound within the 14 days, and we are satised your claim is in order,we declare your car a write-o and pay the agreed value or replace your car.See What happens when we make a write-o payment or replace your caron pages 2627.

The use o your car has caused damage to someoneelses property (legal liability)

Phone AAMI (as soon as possible) on 13 22 44.We cover your legal liability or any loss or damage to other peoples propertyand loss or damage consequent upon damage to other peoples propertyresulting rom the use o your car. The use o a trailer attached to your car isalso covered.

We will pay up to a total o $20,000,000 or all claims arising rom theone event.


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Any person who uses your car with your permission and who complies with theterms and conditions o this policy is covered.

Your employer or principal is covered i you are driving your car in the courseo your employment or agency, and the use o your car is private use or youare covered under this policy or business use.

We do not pay or any loss or damage caused to property owned by you orany person ordinarily living with you.

Further inormation about repairing or replacingyour car

Inspecting and repairing your carYou must make your car available to us i we decide to inspect or repair it.I requested by us, you must take your car or allow it to be taken to a placenominated by us.

You must not authorise the repair o your car without our written authority.

Your contribution to repair workI the repair o your car leaves it in a better condition than beore it was

damaged, we may ask you to contribute to the repair cost. I we ask you tocontribute we will always explain why, tell you how much it will be and how topay it.

Where replacement parts are required or the repair o yourcar and:

your car is within its manuacturers standard new carwarranty periodNew genuine parts will be used except or the replacement o windscreensand window glass or which Australian manuactured, Australian DesignRule compliant parts may be used.

your car is outside its manuacturers standard new carwarranty periodNew and/or recycled genuine parts will be used except or thereplacement o windscreens and window glass or which Australianmanuactured, Australian Design Rule compliant parts may be used.

Parts produced by genuine parts suppliers may be used in the repair ocomponents such as radiators and air conditioners.

parts or your car are no longer availableWhere replacement parts are required or the repair o your car and theyare no longer available, we may pay you what it would have cost us torepair your car with those parts had they been available.

The AAMI Lietime Repair GuaranteeThe quality o the workmanship and the materials authorised by AAMI in therepair o your car will be guaranteed or its lie. The parts used in the repair o

your car will be o the same type as those explained on these pages.

I you are concerned about the quality o the repair o your car, you must callus on 13 22 44 and you must make your car available to us. You must notauthorise rectication work without our written authority.

We will inspect the repair and arrange any necessary rectication work. I inour opinion, it would not be sae or economical to carry out the recticationwork required, we will declare your car a write-o.

I our write-o declaration is made:

within the current period o cover, we will pay the agreed value shown onyour policy schedule or that period.

ater the current period o cover, we will pay the market value o your carapplying at the time o our declaration.


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I your car cannot be repairedSometimes cars are so badly damaged that they would not be either sae oreconomical to repair.

I in our opinion, the damage to your car is so great that it would not be sae oreconomical to repair, we will declare your car a write-o and pay the agreedvalue or replace it.

See The protection we provide pages 910.

What happens when we make a write-o payment orreplace your car

In this table your car and your damaged car each include all insured options,accessories and modications, and unless the law where you live providesotherwise, the value o any unexpired portion o your cars registration andCompulsory Third Party (CTP) insurance.

When we make a write-opayment

When we replace your car

We deduct any unpaid oradditional premium owing rom ourpayment.

You will need to pay us any unpaidor additional premium owing rst.

We pay the agreed value and yourpolicy comes to an end.

We replace your car and yourpolicy comes to an end. You willneed to organise new insurance

cover or your replacement car.We will post you a cheque or theagreed value or deposit it directlyinto your nominated bank account.

I someone else has a nancialinterest in your car, we will pay themwhat they are entitled to and pay

you any balance.

When we make a write-opayment

When we replace your car

Because our write-o paymentmeets all our obligations to you in

ull, there is no reund o any unusedportion o the premium.

There is no reund o any portiono the premium because our

replacement o your car meets allour obligations to you in ull.

We retain your damaged car unless you wish to keep it. I you wish toretain your damaged car:

Its salvage value will be deductedrom our payment.

You will need to pay us its salvagevalue rst.


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Your responsibilities when you claim on your policyinclude:

Obtaining our written consentYou must not make any admissions or settle any claims without our prior writtenconsent.

Giving assistance inormation, notices, negotiating, deendingand settling claimsIn this section you means you and, i you were not driving your car, the drivero your car.

You must give us the inormation and assistance we reasonably request inevaluating the cause, extent and value o any claim. This may include:

providing us with ull details o the claim in writing, including the name(s)and address(es) o the driver(s) o and registration number(s) o anyvehicle(s) involved in the accident or event,

providing contracts o sale, receipts or other evidence o ownership,

providing written statements,

providing other relevant documents,undergoing an interview or interviews about the circumstances o the claim,and

appearing in court and giving evidence.

The inormation you give must be honest, correct and complete.

You must assist us to recover any part o the claim rom the person responsibleor the accident or event which results in a claim.

You must promptly deliver to us any relevant letters and notices that come intoyour possession. This includes promptly telling us i you become aware o anydemands, court proceedings or oers o settlement.

We shall be entitled, but not obliged, to deend or represent you in any legalproceedings relating to an accident or event which may give rise to a claimagainst us and to control, settle and deal with those proceedings as we see t.

We will pay the legal and other reasonable related costs o deending anyclaim made against you, provided we appoint the solicitors who will deend

the claim and we have told you in writing that we will pay their costs.

You must assist us in all our endeavours to negotiate, deend or settle anyclaim made under this policy and to exercise or our benet your legal right orecovery against any other part y.

I you ail to assist us, or do not abide by any o these terms, we may reduceor reuse to pay your claim or be entitled to recover rom you any monies paidunder the claim.

Would you like more inormation about how wepay claims?For more inormation about how we pay car claims under this policy, includingexamples o dierent claim types and payments, you can read our AAMIComprehensive Car Insurance Premium, Excesses & Claims Guide. It isavailable on our website at aami.com.au (under the Car Insurance section) or

call us on 13 22 44 i you would like us to post you a ree copy.


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About excesses, ratings and benefts

ExcessesAn excess on your policy is the amount you have to pay towards each claim.I your claim is or more than one occurrence, the excess(es) applicable to eachoccurrence will be payable.

The excesses that apply to your policy are shown on your insurance scheduleand updated on your renewal notice. They are also described in our AAMIComprehensive Car Insurance Premium, Excesses & Claims Guide. See page29 or how to access the Guide. When you make a claim we may require youto pay your excess(es) beore we make any payment or provide you with anypolicy benets, or we may deduct the excess(es) rom any payment we make.We will tell you when and how your excess(es) are to be paid or deducted.

The types o excesses are:

Standard This is the basic excess you must contribute towards eachclaim.

Flexi-Premium By choosing a Flexi-Premium excess you pay a lower

premium by increasing your policys excess. A Flexi-Premiumexcess is additional to your standard excess. Please visitaami.com.au or call us on 13 22 44 i you would like totake up or change a Flexi-Premium excess.

Age This excess is additional to any other excesses i yourcar was being driven by a person in the age rangesspecied on the most recent o your insurance scheduleand renewal notice.

Additional This excess may be imposed in special circumstances,or example on high perormance cars. It is payable inaddition to any other excesses.

Inexperienceddriver

This excess is additional to any other excesses i your carwas being driven by a person to whom an age excessdoes not apply, but who has held a drivers licence orless than two years.


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What happened? Will you have to pay any excess?

An accident or event

that was your ault.

Yes

An accident or eventthat wasnt your ault

and you can give usthe name and addresso the person whowas at ault or theregistration number otheir vehicle.

No

but you cant give usthe name and addresso the person whowas at ault or theregistration number otheir vehicle.

Yes, because we wonthave the opportunity torecover the cost o thedamage to your car.

Your car was stolen.

Your car wasdamaged:

while it was parked.

by an animal or aweather event suchas storm, wind orhail.

by re.

maliciously.

Yes, because we wonthave the opportunity to

recover the cost o thedamage to your car.

What happened? Will your ratingbe reduced?

An accident or eventthat was your ault.

Yes

No, i you are anAAMI Lietime RatingOne policyholder ori you have purchasedAAMI RatingProtection. See alsopage 38.

Will you have to pay any excess? Ratings the better your sae driving record, thelower your rating, the higher the discount on yourcar insurance premiumRatings are a measure o your sae driving status and are used to provide you

with a discount on your car insurance premium. The better your sae drivingrecord, the lower your rating. For example, a rating three indicates a better saedriving record than a rating six. The lower your rating, the higher the discounton your car insurance premium. Providing no claim that negatively aects yourrating is made on your policy, your rating goes down one level each year untilit reaches rating one.

Will your rating be aected by your claim?


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What happened? Will your ratingbe reduced?

An accident or eventthat:

wasnt your ault, andis not listed below

and you can give usthe name and address

o the person whowas at ault or theregistration number otheir vehicle.

No

but you cant give usthe name and addresso the person whowas at ault or theregistration number otheir vehicle.

Yes, because we wonthave the opportunity torecover the cost o thedamage to your car.

No, i you are anAAMI Lietime RatingOne policyholder ori you have purchasedAAMI RatingProtection. See alsopage 38.

Your car was stolen.Your car wasdamaged:

while it was parked.

by an animal or aweather event suchas storm, wind orhail.

by re.

maliciously.

No

How isthis beneftobtained?

What/who doesit cover?

What is thebeneft?

LietimeRatingOne

When you havebeen an AAMIRating Onepolicyholder or one

year without makingany at ault claims,we recognise yourgood driving recordby awarding youAAMI LietimeRating One status.

Cars insured inyour name underAAMI policies towhich we haveawarded AAMILietime RatingOne status.

AAMI LietimeRating One isprotected or lie,regardless owho was at aultin any claim youmay make on thispolicy.

SameRating spouse orpartner

By insuring yourspouse or partnerscar with AAMI.

Your spouse orpartner living with

you.

When your caris insured with us,well insure yourspouse or partnerscar at the same

rating up to amaximum o LietimeRating One. Yourspouse or partnerhas to be livingwith you. Ournormal insuranceacceptanceconditions applyto the driver andthe car.

AAMI provides these premium related benefts


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What is thebeneft?

FamilyRating yourchildren

By having yourchildren insuretheir cars orcomprehensivecover with AAMI.

Your children,provided your caris comprehensivelyinsured withAAMI.

When yourchildren insuretheir cars orcomprehensivecover with AAMI,we give them arating or each

year theyve beendriving claimree plus oneadditional claimree year. Ournormal insuranceacceptanceconditions applyto the driver andthe car.

See also theAAMI SkilledDrivers course onpage 14.



What is thebeneft?

EarnedRating newpolicy-holder

By switching yourcar insurance toAAMI.

You or yourspouse or partnerliving with you.

When you switchyour car insuranceto AAMI, wellwelcome youwith the rating

you would haveearned had youalways beencomprehensivelyinsured withAAMI.

EarnedRating third partyto compre-hensive

By switchingrom thirdparty propertydamage to AAMIcomprehensive carinsurance.

You. When youswitch rom thirdparty to AAMIcomprehensivecar insurance,well welcome

you with the ratingyou would haveearned had youalways beencomprehensivelyinsured withAAMI.


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38 39



What is thebeneft?

AAMIRatingProtection

By paying anextra amountwhen you pay

your premium.

You or yourspouse or partnerliving with you.

This benet is notavailable to somepolicyholders.Please call uson 13 22 44.

Your rating isprotected orone at ault claimduring the periodo cover.

Wind-screen

By paying anextra amountwhen you pay

your premium.

Your cars rontwindscreen and

your rating.

This benet is notavailable to somepolicyholders.Please call uson 13 22 44.

When you makeyour rst claimor a damagedront windscreenduring the periodo cover, yourrating will not beaected and noexcess will bepayable.

Repairs to yourwindscreen arealso coveredunder this benet.


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40 41

Sae DriverStatus

How is this statusearned?

What is the reward?

Sapphire By holding yourRuby status or two

consecutive yearswithout making anat ault claim.

Your Sae Driver Discount willnow increase urther, and you

will receive the Discount Hire CarBenet or no extra premium(see pages 1517).

Diamond By holding yourSapphire status ortwo consecutive yearswithout making an atault claim.

You will now receive a higherSae Driver Discount, the DiscountHire Car Beneft or no extrapremium and protection o yourDiamond status and rewards orone at ault claim during a periodo cover.

In the table above an at ault claim means a claim or which your rating willbe reduced, as explained on pages 3334. I you dont make an at ault claimin a period o cover, you will maintain your Sae Driver Status and continue toadvance through the Sae Driver Rewards program.

I you are a Platinum, Rubyor Sapphire Sae Driver Status and you make an

at ault claim, your Sae Driver Status will be reduced when you next renewyour policy. You will need to re-earn it in uture periods o cover. I you are aDiamond Sae Driver Status, your status and rewards are protected i you donot make more than one at ault claim in a period o cover.

Apart rom the Skilled Drivers Discount (see page 40), the Sae Driver Rewardsyou earn during a period o cover will be awarded when you renew this policyand will be shown on your policy schedule. These rewards are retained or aslong as you continue to drive without making at ault claims.

Note: I you have purchased a six month policy, your Sae Driver Rewards Status will be aectedonce per year. We reserve the right to change the Sae Driver Rewards program rom time to timeor withdraw it.

AAMI Sae Driver Rewards programThe AAMI Sae Driver Rewards program provides rewards and benets to saedrivers. As you advance through the program, you will progressively earn morerewards and discounts on your premium on this policy.

Sae DriverStatus

How is this statusearned?

What is the reward?

Silver By being under25 years old andcompleting the AAMISkilled Drivers course.

You will receive a Skilled DriversDiscount, and continue to do sountil you turn 25.The Premium, Excesses & ClaimsGuide provides details about thisdiscount (see page 29).

Gold By being on RatingOne.

A Rating One discount on yourpolicy premium. Once you havebeen on Rating One or one yearwithout making an at ault claim

you will achieve Lietime RatingOne (see page 35).

Platinum By holding yourGold status or twoconsecutive yearswithout making anat ault claim.

You will now receive a SaeDriver Discount.

Ruby By holding yourPlatinum status or twoconsecutive yearswithout making an atault claim.

Your Sae Driver Discount will nowincrease. You will also receive agit card the rst time you reachRuby status.


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Paying your premiumThe notices we issue at the commencement and each renewal o your policyshow the various payment methods available to you.

A change to your policy details (or example change o address, change o caror modications) may aect the premium you need to pay or the remainder o

your period o cover. I a reund o $10 or more is payable, we will send you acheque or credit your credit card account. Any extra premium needs to be paidby you within 14 days.

I you do not pay the premium in ull or any additional premium required, wemay reduce your period o cover to correspond with the amount you havealready paid.

Paying by instalmentsYou may be eligible to pay in regular instalments by direct debit. The totalpremium we charge is higher when you pay in instalments than when you payone sum annually.

Your responsibilities when paying by instalmentsWhen paying by instalments:

you must be an authorised signatory on the account nominated or yourdirect debit payments.

you must ensure that your nominated account can accept direct debits andhas sucient unds to meet each payment at each due date.

your nancial institution may also apply its own ees (including dishonourees). Those ees are your responsibility.

What happens i your instalment remains unpaid?I our scheduled debit attempt is unsuccessul, we will send you one or morenotices to inorm you o the ailure. We will also attempt to debit your accountagain during the our weeks immediately ater our unsuccessul scheduleddebit attempt.

You can contact us:By phone: Call 13 22 44 (24 hours a day every day o the year).

Via the internet: www.aami.com.au

By mail: AAMI, PO Box 14180, Melbourne City Mail Centre, Victoria, 8001.

When we quote you a premiumWhen we quote you a risk premium or insuring your car, some o the actorswe take into account include:

the insurance history, car driving history and age o the people who will bedriving your car,

what you use your car or and where it is usually kept,

the value, age, make and model o your car and whether it has anyaccessories or modications,

the requency o your payment instalments, and

whether you have chosen to vary your policy excess.

Government taxes and charges are added to the risk premium we quote. Thetotal o these amounts is the premium we charge you.

For more inormation about the actors we take into account, you can read ourAAMI Comprehensive Car Insurance Premium, Excesses & Claims Guide. It isavailable on our website at aami.com.au (under the Car Insurance section) orcall us on 13 22 44 i you would like us to post you a ree copy.

Excesses may be payable on any claim you make on this policy. See pages3032 or urther details.

Important general inormation


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Renewing your policyWhen we oer to renew your policy:

we will send you a notice beore the policy expiry date;

we will tell you in writing i there are any changes to the policy;

we may require an additional premium i you make a claim in the shortperiod between the time we calculated the renewal premium and theexpiry o your policy, or i you tell us about changes to your policy detailsin that period and we tell you they will increase your renewal premium. Ithe additional premium is not paid, we may reduce the period o cover tomatch the reduced amount paid.

Changing your address detailsI you change the insured address (the address where your car is normally letovernight), please call us and we will:

update your details and tell you i there is any dierence in the terms andconditions o your policy as it applies at your new address;

reund or charge you any dierence between the premium you paid andthe premium we charge or the remainder o your period o cover or carsinsured at your new address. I a reund o $10 or more is payable, we willsend you a cheque or credit your credit card account.

I you do not tell us o a change o insured address and you make a claim, wewill ask you to pay any increased premium or we will reduce the claim by thatamount.

Government taxes and chargesAAMI shows on receipts any government taxes and charges such as GST,Stamp Duty and Fire Services Levy that are payable in addition to your riskpremium. See When we quote you a premium page 42.

AAMI will not accept any claims ater an instalment payment has remainedunpaid or a period o 14 days or more rom its original due date.

I the instalment payment remains unpaid or one month or more rom its originaldue date, AAMI may cancel your policy without giving you advance notice othe cancellation.

Any notice o our intention to again debit your account will not extend our nalclaims acceptance date or the date we cancel your policy.

Changing your instalment paymentsI you wish to change or cancel your direct debit arrangements, you need tocontact us at least seven days beore the debit day.

I you cancel the debit completely, you will need to arrange or another way topay us your premium, to ensure you remain covered.

Important things to remember when paying by instalmentsWhen you rst commence your direct debit payments, or when you change

your account details, it may take up to 14 days or us to rst debit your account.

Where your debit day alls on a weekend or a nationally declared publicholiday, we will debit your account on the next business day.

I you believe that we may have incorrectly debited your account, please callus on 13 22 44.

I we decide to make a write-o payment or replace your car under yourpolicy, we will require you to rst pay us the total unpaid balance o yourpremium as we have agreed to cover your car under the terms o the policy orthe ull period o cover. In the case o a write-o payment, we will deduct yourunpaid premium rom the payment we make.


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AAMIs Customer CharterWe are committed to always provide you with the highest standard o service.The AAMI Customer Charter is a written document containing service andreporting promises which we are bound to deliver. In act, we impose apenalty on ourselves i we ail to do so.

This unique Charter was drawn up through consultation with our sta , ourcustomers and industry regulators, and is reviewed annually. Compliancewith our promises is independently audited every year and the results arereported publicly.

The AAMI Customer Charter, introduced in 1996 was Australias rst generalinsurance customer charter, and indeed, rst retail customer charter. The Charteris your guarantee that were always striving to deliver the best in customerservice.

AAMIs Dispute Resolution ProcessI you are unhappy with anything we have told you or done or you, we want

you to tell us about it. I we cannot resolve the matter to your satisaction, otherappeal processes are available to you. See pages 5051.

The General Insurance Code o Practice

AAMI is a signatory to the General Insurance Code o Practice which sets outa commitment by the general insurance industry to maintain service standardsand to ensure good relations between customers and insurers.

The Code describes standards in areas such as buying insurance, claimshandling, responding to catastrophes, education and dispute resolution. TheCode is backed by consumer groups, the ederal government, insurers and theInsurance Council o Australia.

More inormation on the Code, or a copy o the Code, can be obtainedrom the Financial Ombudsman Service (FOS). You can contact the FOS on1300 780 808 (local call cost), or you can access the Code atwww.codeopractice.com.au

GSTThe agreed value or your car and the legal liability cover we provide bothinclude GST. Any amounts we pay under The benets we provide include GST.

Cooling o period and cancelling this policy

Ater this insurance begins or you renew your policy or another period ocover, you have 21 days to consider the inormation in your PDS. This is calledthe cooling o period.

I you decide to cancel your policy, either during the cooling o period orat any other time, we will reund the unexpired portion o the premium, lessany non reundable government charges, and less $30 o premium (plusgovernment charges and re services levy i applicable) which we keep tocover our reasonable administrative and transaction costs.

We can only cancel your policy by giving you written notice in accordancewith the Insurance Contracts Act 1984.

Joint policyholdersI more than one person takes out this insurance, each is a joint policyholder.

Each joint policyholder gives authority to each other joint policyholder to makeany changes to this policy including cancelling this policy or removing a jointpolicyholder.

AAMI may agree to any change without notice to any person other than thejoint policyholder requesting the change.

The privacy o your personal inormationWe are committed to protecting the privacy o your personal inormation. Thatcommitment is refected in the AAMI Customer Charter and in our compliancewith the Privacy Act 1988. For urther inormation, please visit our websitewww.aami.com.au or call us on 13 22 44 or a copy o our AAMI and YourPersonal Inormation brochure.


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48 49

Your insurance schedule sets out the inormation you have given us onwhich we have based our decision to insure you as well as the individualdetails o your policy. We will send you an updated insurance schedulewhenever you advise us o a change in this inormation or these details.

Use. The types o use o your car that we insure are:

Private use: Use o your car or

social, domestic and pleasure purposes, and

commuting to/rom work and incidental business use where you are notusing your car during your ull-time, part-time or casual working periodas an integral means o earning an income.

Business use: Use o your car

during your ull-time, part-time or casual working period as an integralmeans o earning an income that you have told us about and we haveagreed in writing to cover, and

or social, domestic and pleasure purposes.

Private use and business use both cover the private use o your car inconjunction with repairing, servicing and demonstration or private saleprovided you or a regular driver listed on your policy schedule are the

driver or a passenger when the car is demonstrated.

Write-o. Your car is declared a write-o when in our opinion, it is so badlydamaged that it would not be either sae or economical to repair or when ithas not been ound within 14 days o you reporting its thet to us.

You andyour mean the person or persons named as the insured in your policyschedule.

Your car means the car described in your policy schedule and includes themanuacturers standard options and accessories tted to it and other options,accessories (including commercial signage) and modications that you havetold us about and we have agreed in writing to cover.

AAMI, we, us, our mean Australian Associated Motor Insurers Limited(ABN 92 004 791 744).

Agreed value is the most we will pay or your car, less any excess and anyother deductions this policy explains, or any accidental loss and damagecovered by this policy occurring during the period o cover. The agreed value

includes GST. The current agreed value is shown on the most recent o yourinsurance schedule and your renewal notice. See page 9 or how we set yourcars agreed value.

Cover and covers mean the protection provided by your policy.

Endorsementmeans a special condition that applies to your policy. Forexample, an endorsement may state that drivers under a nominated age arenot covered under the policy. Any endorsements to your policy are shown on

your policy schedule.

Excess. An excess on your policy is the rst amount that you must contributetowards each claim. When one or more excesses apply to your policy, theywill be shown on the most recent o your insurance schedule and your renewalnotice. See also page 30.

Genuine parts means genuine (original equipment manuacturer) parts.

PDS means Product Disclosure Statement.

Period of cover means the current period or which we have agreed to provideyou with insurance cover. The current period is shown on the most recent o yourinsurance schedule and renewal notice and any receipt we may send to you.When we make a write-o payment or replace your car, the period o covercomes to an end. See also page 26.

Policymeans this PDS (including any supplementary PDS) and your policy schedule.

Your policy schedule comprises the notices we give you which show theparticular details and the current status o your policy. These notices arethe most recent o your insurance schedule and renewal notice, and anyreceiptwe may send you.

What do we mean by that?


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How to contact AAMIPhone: Call 13 22 44 (24 hours a day, 7 days a week).

How to contact our Consumer Appeals ServicePhone: 1300 130 794 (local call cost)

9am to 5pm EST Monday to Friday.

Fax: (03) 9529 1214.

Write to: The Consumer Appeals Service, AAMI, PO Box 14180,Melbourne City Mail Centre, Victoria 8001.

Email: [email protected]

How to contact the Financial Ombudsman ServicePhone: 1300 780 808 (local call cost).

Email: [email protected]

Updating this Product Disclosure Statement (PDS)The inormation in this PDS was current at the date o preparation. We may update some o theinormation in the PDS that is not materially adverse rom time to time without needing to notiyyou. You can obtain a copy o any updated inormation by contacting us on 13 22 44. We willgive you a ree paper copy o any updates i you request them. I it becomes necessary, we willissue a Supplementary PDS or replacement PDS.

What to do i you are not satisfed with yourdealings with AAMIHere is how AAMI helps you i you are not satised with the results o yourdealings with us.

1. Who do you talk to?I you are not satised with anything we have told you or done or you inconnection with any o our products or services, please tell us. You can write,email or phone us on 13 22 44. Most times we will be able to sort the matterout to your satisaction.

2. Our Consumer Appeals ServiceHowever, i you are not satised with our response, you can ring, write to oremail our Consumer Appeals Service with the details. Our Consumer AppealsService will respond in detail to you within ve working days o you notiying uso your concerns.

3. Appealing to the independent dispute resolution schemeI you remain dissatised, you can appeal to the Financial Ombudsman Service(FOS). We will tell you how you can do this.

The FOS is an independent industry dispute resolution scheme. You can contactthe FOS on 1300 780 808 (local call cost) or by email to [email protected] can also visit the FOSs website at www.os.org.au

There is no charge or appealing to the FOS.

4. Are any decisions binding on you?You do not have to accept any decision AAMI or the FOS makes. You alwayshave the option o seeking remedies elsewhere.

Any decision the Consumer Appeals Service makes or the FOS makes isbinding on AAMI, provided you also accept the decision.

AAMIs Dispute Resolution Process

Financial Claims SchemeThis policy may be a protected policy or the purposes o theFederal Governments Financial Claims Scheme (FCS). For moreinormation about the FCS, you can read our AAMI ComprehensiveCar Insurance Premium, Excesses & Claims Guide. See page 29or how to access the Guide.


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Were here to help you

24 hours a day

7 days a week

13 22 44aami.com.au

Customer Comment Line: 1300 360 361Australian Associated Motor Insurers Limited

AFS Licence Number 238173

ABN 92 004 791 744 AAMI

A01641

30/09/11A

Comprehensive Car Insurance Policy

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