Car insurance updates

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

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 PDSPDS Effective Date
Important Information4 - 11
Cancelling your policy4BenefitCancellation fee reduced to $22, with clarity on when this will apply.05 Apr 2021
What if I have a complaint?5ClarificationUpdated details regarding our complaints process.04 Sep 2021
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”.05 Apr 2021
Your responsibilities6 - 7ClarificationImproved transparency with expanded section on the requirement to maintain a valid email address.05 Apr 2021
7ClarificationResponsibility to ‘Maintain the car in a roadworthy condition’ has been changed to ’Keep the car and unbraked trailer in good and safe condition’.05 Apr 2021
What do these words mean9ReductionEarthquake: definition changed, no longer includes landslip.05 Apr 2021
10ClarificationRoadworthy: updated to clarify compliance with the roadworthy requirements of the state in which a car or trailer is being used.04 Sep 2021
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".05 Apr 2021
Accessories and modifications11ClarificationHow to include accessories and modifications in the market value or agreed value.05 Apr 2021
About your cover11 - 22
Theft12ClarificationExamples provided for what "reasonable precautions" are required when the car is being test driven.05 Apr 2021
Legal Liability12ReductionLegal Liability includes cover for the driver of the insured car and substitute car; cover while driving any uninsured car has been removed.05 Apr 2021
Personal Transport13BenefitNew cover for the reimbursement for personal transport costs up to $100 after an insured event.05 Apr 2021
Hire Car13, 14 and 19ClarificationUpdated to clarify what type of hire car is provided in various circumstances.05 Apr 2021
13, 14 and 19ClarificationConfirmation of running costs that are not covered.05 Apr 2021
13 , 14 and 19ReductionExtended exclusion to also exclude hire cars used for paid delivery services.04 Sep 2021
Uninsured Third Party14ClarificationClarified information required about a third party.05 Apr 2021
Unbraked Trailer15BenefitPreviously Optional Cover, now automatically included as Extra Cover in Comprehensive and Third Party Fire and Theft policies.05 Apr 2021
15ReductionCover reduction from $2,500 to $1,500.05 Apr 2021
15ReductionNo longer available for Third Party Property Only policies.05 Apr 2021
Temporary Replacement Cover16BenefitPreviously Immediate Replacement Car cover; includes cover for when the car is given away.05 Apr 2021
Counselling Services16BenefitRemoved 6-month limit to commence counselling.05 Apr 2021
Funeral Expenses16BenefitNew Extra Cover for Comprehensive policies; includes up to $5,000 for funeral expenses as a result of an accident.05 Apr 2021
Maritime Liability-ReductionNo longer available.05 Apr 2021
Business Items (optional)19ClarificationIncreased cover limits to $400 per item and $2000 in total per claim.04 Sep 2021
19ReductionNo longer available for Third Party Property Only policies.05 Apr 2021
Choice of Repairer (optional)20ClarificationAdditional information about how we assess and approve repairs for your choice of repairer.05 Apr 2021
General exclusions21ClarificationExclusion relating to poor or faulty design specifications, material, planning or workmanship, or a defect have been updated to improve transparency.05 Apr 2021
Claiming23 - 28
Authorised persons on your claim23ClarificationUpdated section describing (1) how to add an authorised person and (2) conflict of interest.05 Apr 2021
How we settle your claim24 - 27ClarificationUpdated section providing clarity on how we settle claims.05 Apr 2021
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.04 Sep 2021
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.04 Sep 2021
Excess27 - 28ClarificationClarification of how and when an excess applies.05 Apr 2021
Actions of others28BenefitNew section describing circumstances where cover may not be limited by the actions of other people.05 Apr 2021