Car Design and Distribution Obligations

Car insurance updates

We’ve been busy making updates to our car insurance cover to help make things a little clearer for you.

Read the car insurance PDS

See what's changed

This table is a guide and lists the main changes to the Car Insurance Product Disclosure Statement (PDS). The information in the table does not replace or vary our PDS so please read the entire PDS for details of features and benefits and to ensure that this product is right for you.

PDS sectionPage #Update typeChange in the PDS
Important Information4 - 11
Cancelling your policy4BenefitCancellation fee reduced to $22, with clarity on when this will apply.
What if I have a complaint?5ClarificationUpdated details regarding our complaints process.
Your duty of disclosure / When answering our questions6ClarificationThe Duty of Disclosure has been replaced with the duty of an insured “to take reasonable care not to make a misrepresentation when answering our questions”.
Your responsibilities6 - 7ClarificationImproved transparency with expanded section on the requirement to maintain a valid email address.
7ClarificationResponsibility to ‘Maintain the car in a roadworthy condition’ has been changed to ’Keep the car and unbraked trailer in good and safe condition’.
What do these words mean9ReductionEarthquake: definition changed, no longer includes landslip.
10ClarificationRoadworthy: updated to clarify compliance with the roadworthy requirements of the state in which a car or trailer is being used.
10ClarificationYou / your / yours: removed reference to "employee/s and household member/s or any person acting for the policyholder, business or for a household member".
Accessories and modifications11ClarificationHow to include accessories and modifications in the market value or agreed value.
About your cover11 - 22
Theft12ClarificationExamples provided for what "reasonable precautions" are required when the car is being test driven.
Legal Liability12ReductionLegal Liability includes cover for the driver of the insured car and substitute car; cover while driving any uninsured car has been removed.
Personal Transport13BenefitNew cover for the reimbursement for personal transport costs up to $100 after an insured event.
Hire Car13, 14 and 19ClarificationUpdated to clarify what type of hire car is provided in various circumstances.
13, 14 and 19ClarificationConfirmation of running costs that are not covered.
13 , 14 and 19ReductionExtended exclusion to also exclude hire cars used for paid delivery services.
Uninsured Third Party14ClarificationClarified information required about a third party.
Unbraked Trailer15BenefitPreviously Optional Cover, now automatically included as Extra Cover in Comprehensive and Third Party Fire and Theft policies.
15ReductionCover reduction from $2,500 to $1,500.
15ReductionNo longer available for Third Party Property Only policies.
Temporary Replacement Cover16BenefitPreviously Immediate Replacement Car cover; includes cover for when the car is given away.
Counselling Services16BenefitRemoved 6-month limit to commence counselling.
Funeral Expenses16BenefitNew Extra Cover for Comprehensive policies; includes up to $5,000 for funeral expenses as a result of an accident.
Maritime Liability-ReductionNo longer available.
Business Items (optional)19ClarificationIncreased cover limits to $400 per item and $2000 in total per claim.
19ReductionNo longer available for Third Party Property Only policies.
Choice of Repairer (optional)20ClarificationAdditional information about how we assess and approve repairs for your choice of repairer.
General exclusions21ClarificationExclusion relating to poor or faulty design specifications, material, planning or workmanship, or a defect have been updated to improve transparency.
Claiming23 - 28
Authorised persons on your claim23ClarificationUpdated section describing (1) how to add an authorised person and (2) conflict of interest.
How we settle your claim24 - 27ClarificationUpdated section providing clarity on how we settle claims.
How we settle your claim – New car replacement27BenefitRemoved the 500km limit for when the car is purchased, and the 40,000km limit for when the incident occurs.
27ReductionFor demonstrator cars, the 24-month replacement period now applies from when the dealer first registered the car, rather than when it was first registered by you or a listed driver.
Excess27 - 28ClarificationClarification of how and when an excess applies.
Actions of others28BenefitNew section describing circumstances where cover may not be limited by the actions of other people.