Car Insurance GIO
Introduction
Welcome to GIO Car Insurance
Why is this document important?
This Product Disclosure Statement (PDS) is an important legal document that contains details
of your GIO Car Insurance if you purchase this product from us. Before you decide to buy this
product from us, please read this PDS carefully. If you purchase this product, your policy
comprises of this PDS and your certificate of insurance which shows the details particular to you.
The information in this PDS was current at the date of preparation. We may update some of the
information in the PDS that is not materially adverse from time to time without needing to notify
you. You can obtain a copy of any updated information by contacting us on 13 10 10. We will give
you a free paper copy of any updates if you request them.
In some circumstances the terms and conditions of this PDS may be amended by a Supplementary
PDS (SPDS).
PED Guide
Throughout this PDS you will be referred to a guide called: Premiums, Excesses, Discounts and
Claim Payments Guide, indicated as ‘Refer to the PED Guide for further information’. This guide will
provide you with further information and is available at www.gio.com.au/moredetails. You can also
obtain a copy of this guide on request, at no charge, if you contact us.
Cooling off period
After this insurance begins or you renew your policy for another period of insurance, you have 21
days to consider the information in your PDS. This is called the ‘cooling off period’. If you wish, and
provided you have not made a claim, you can exercise your cooling off rights within 21 days from
the day cover began or was renewed. When you exercise your cooling off rights, we will refund in
full the money you have paid for that period of insurance but you will have no cover from when
your policy would have otherwise begun or from your renewal date.
Alternatively, you can cancel your policy at any time during the period of insurance. When you do
this and unless we tell you otherwise, you will have cover up until the date of cancellation. For
more information see ‘Cancellation by you’ on page 45.
Who is this product designed for?
This insurance product is designed for owners of passenger cars (including 4WDs, utilities and
vans) who use their car for one or more of the following uses:
` Private: if not used in connection with earning an income, or if the only such use is
driving to and from work and/or occasional use in connection with work or if used for volunteer
work;
` Business: if used in connection with an occupation or business in a way not listed above.
When you first take out a policy with us we will ask you how you use your car. Also, you must
tell us if you change the use of your car while you hold a policy with us and when you renew
your policy.
3
Your duty of disclosure
You have a duty of disclosure to tell us everything you know, or could reasonably be expected
to know, is relevant to our decision to insure anyone under the policy, including you, and on
what terms.
It includes matters we specifically ask about when you apply for a policy, or renew or alter your
policy, and any other matters which might affect whether we insure you and on what terms.
The information you tell us can affect:
` the amount of your premium;
` if we will insure you;
` if special conditions will apply to your policy.
You do not need to tell us of anything which:
` reduces the chances of you making a claim; or
` we should know about because of the business we are in; or
` we tell you we do not want to know.
If you are unsure it is better to tell us. If you do not tell us something which you know or should
know is relevant, we might reduce a claim, refuse to pay a claim, cancel your policy or, if fraud is
involved we can treat the policy as if it never existed.
Your responsibilities
You must:
` take all reasonable precautions to prevent damage or theft, for example:
` move your car away from rising flood waters;
` remove keys when no one’s in the car;
` lock all doors and windows when your car is parked and unattended;
` accompany anyone test driving your car when it’s up for sale.
` keep your car well maintained and in a good and roadworthy condition (e.g. replace worn out
tyres, replace worn brakes and defective lights, fix paint problems, repair major rust, repair
worn upholstery and repair unclaimed major scratches or dents);
` service your car as required by the manufacturer and keep records of this in case you need to
claim for mechanical damage resulting from an incident;
` follow all the terms, conditions and responsibilities set out in your policy;
` provide honest and complete information for any claim, statement or document supplied
to us.
4
Not meeting your responsibilities
If you do not meet your responsibilities, it may lead us to do either or both of the following:
` reduce or refuse to pay your claim;
` cancel your insurance policy.
If fraud is involved, we can treat your policy as if it never existed.
More than one named insured
If there is more than one named insured on your certificate of insurance, we will treat a statement,
act, omission, claim, request or direction (including to alter or cancel your policy) made by one as a
statement, act, omission, claim, request or direction by all those named as insured on your
certificate of insurance.
Special conditions
We may impose special conditions on your policy that might exclude, restrict or extend cover for a
person or particular matter. For example, we may not be able to cover certain drivers because of
the type or value of car that is insured. Any imposed conditions will be listed on your certificate of
insurance. It is important that you read your certificate of insurance carefully.
Some words in your policy have special meanings
Some words when used in this PDS have special meanings. Most of the words with special
meanings are defined in the ‘Words with special meanings’ section on pages 46 to 47.
5
Summary of features and options
This product has been designed to provide
4 levels of cover to choose from. The cover you have
chosen will be shown on your certificate of insurance. Below is a list of some of the policy features
and options available depending on the type of cover you choose. It is a guide only. For full details
of what is covered and not covered and for any limits that apply, please read your certificate of
insurance and this PDS carefully, including the ‘General exclusions’ on pages 29 to 32.
Summary of
features and
options
GIO
Platinum Comprehensive
Fire, Theft &
Third Party
Property
Damage
Third Party
Property
Damage Page
Lifetime new car
replacement
91 8 88 15
GIO Platinum
hire car
9
Unlimited
days
8 88 16
GIO Platinum
windscreen and
window glass cover
(without excess)
9
1 claim
8 88 17
Hire car after an
event up to 14 days N/A2 9 Up to 14 days3 8 8 28
Windscreen and
window glass cover
(without excess)
N/A4 9
1 claim3
8 8 27
7 day repair
guarantee N/A2
95 8 8 18
New car after
a total loss for cars
less than
2 years old
96 9 88 19
Accidental damage
to your car (e.g.
collision, storm,
hail, flood, fire &
theft)
9 9 Fire & theft only
8 11 to 13
Damage by
uninsured drivers 9 9
9
Up to $5,000
9
Up to $5,000
25
6
Summary of
features and
options
GIO
Platinum Comprehensive
Fire, Theft &
Third Party
Property
Damage
Third Party
Property
Damage Page
Malicious damage
or vandalism 9 9 88 11 and 12
Locks and keys
(up to $1,000) 9 9 98 20
Personal property
in your car 9 9 Fire & theft only 8 22
Hire car
after theft N/A2 9 Up to 14 days 9 Up to 14 days 8 21
Choice of repairer 9 9 88 39
24/7 Australia wide
claims service 9 9 99 33
Taxi and transport
cover
95 95 95,7 95,8 23
Lifetime guarantee
on authorised
repairs
9 9 99 39
Liability cover for
damage to other
people’s property
(up to $20 million)
9 9 99 14
1 For eligibility criteria, please see page 15.
2 Not applicable if you have GIO Platinum as the ‘GIO Platinum hire car’ additional feature applies.
3 Optional cover.
4 Not applicable if you have GIO Platinum as the ‘GIO Platinum windscreen and window glass
cover’ additional feature applies.
5 Available only for cars that can be safely driven to an assessment centre. Other conditions apply.
For more details see page 18 ‘7 day repair guarantee’ and page 23 ‘Taxi and transport cover’.
6 Not available if you are eligible to claim under the ‘Lifetime new car replacement’ feature.
See page 15 for details.
7 This additional feature only applies if the damage to your car is as a result of fire or theft or
covered under additional feature ‘15. Damage by uninsured drivers’ and we decide to repair
the damage.
8 This additional feature only applies if the damage to your car is covered under additional feature
‘15. Damage by uninsured drivers’ and we decide to repair the damage.
7
GIO Claims Free Savings
GIO Claims Free Savings recognises your years of good driving experience with us.
GIO Claims Free Savings is only available while your car is continuously insured with a GIO
Platinum or Comprehensive policy.
With GIO Claims Free Savings each year you insure your car with us without making an excess
payable claim, we will reward you with a percentage of the rated premium that you paid (see page
43 for what we mean by ‘rated premium’) as a credit on the next renewal of your policy for that car.
This means if GIO Claims Free Savings applies to any car covered by your policy it will be shown
on your certificate of insurance and any credit you qualify for will be applied on your following
renewal.
GIO Claims Free Savings are not redeemable or payable as cash and cannot be used as a credit
towards other policies you hold with us. If your policy is cancelled, we will refund the unexpired
portion of the premium (which includes the unexpired portion of any credit that had applied). See
‘What happens with cancellations’ on page 45 for more details.
With GIO Claims Free Savings we will take into account your claims history when we calculate your
rated premium. For information on how claims affect your GIO Claims Free Savings see below.
We have the right to alter the terms of or withdraw our GIO Claims Free Savings at any time.
How do claims affect your GIO Claims Free Savings?
No claim made during the
period of insurance
Claim made where no excess
is payable by you during the
period of insurance
Claim made where an excess
is payable by you during the
period of insurance
you will receive a credit on
your next GIO Platinum or
Comprehensive renewal.
you will receive a credit on
your next GIO Platinum or
Comprehensive renewal.
you will not receive a credit
on your next GIO Platinum or
Comprehensive renewal.
Refer to the PED Guide for further information
8
Maximum No Claim Discount/Rating 1 for Life
From 3 September 2013, Maximum No Claim Discount/Rating 1 for Life is not available to any
new customers or to any existing customers for any new policy or additional car added to an
existing policy.
If Maximum No Claim Discount/Rating 1 for Life applies to any car covered by your policy it will be
shown on your certificate of insurance. Maximum No Claim Discount/Rating 1 for Life recognises
your good driving and insurance history by guaranteeing that we will not take into account how
many claims you make to calculate your rated premium while you insure your car with GIO
Platinum or Comprehensive insurance with us. We have the right to alter the terms of cover for
Maximum No Claim Discount/Rating 1 for Life, including excess, premiums and acceptance of
cover according to our underwriting rules.
Changing your reward
If you have Maximum No Claim Discount/ Rating 1 for Life you can ask us to change your policy to
receive GIO Claims Free Savings but you cannot receive both Maximum No Claim Discount/Rating
1 for Life and GIO Claims Free Savings on the same car. Any change from Maximum No Claim
Discount/Rating 1 for Life to GIO Claims Free Savings will apply from your next renewal after the
change is made and any reward credit you qualify for will not apply until the following renewal.
Please note that if you ask to change your policy to receive GIO Claims Free Savings for any car
you cannot regain Maximum No Claim Discount/Rating 1 for Life for that car or any replacement
of that car.
Refer to the PED Guide for further information
9
About your cover
About your car
What we cover as your car
Your car is described on your certificate of insurance. It includes the following that are fitted to
your car:
` options, including standard manufacturer’s options;
` accessories; and
` modifications.
What are accessories?
An accessory is an addition to your car which does not enhance the performance or change the
structure of the car.
What are modifications?
Modifications are alterations made to the manufacturer’s standard body, engine, suspension,
wheels or paintwork of your car which may affect its performance, value, safety or appearance.
What we do not cover as your car
` fuel or lubricants.
Levels of cover
You can choose the level of cover that best suits your needs.
There are 4 levels of cover available:
` GIO Platinum cover;
` Comprehensive cover;
` Fire, Theft & Third Party Property Damage cover;
` Third Party Property Damage cover.
The cover you choose will be shown on your certificate of insurance.
10
GIO Platinum cover
This is the highest level of cover available and includes:
` accidental loss or damage cover;
` third party property damage cover;
` additional features at no extra cost (see pages 15 to 26).
Accidental loss or damage cover
We cover We will cover you for accidental loss or damage to your car caused by an
incident in the period of insurance. Examples of incidents covered include:
` hail, storm and flood;
` fire;
` theft or attempted theft;
` malicious damage or vandalism;
` collision and impact.
Limit
The most we will pay for any one insured incident is the amount covered
for your car as shown on your certificate of insurance, unless we say
otherwise in your policy.
We do not cover See ‘General exclusions’ on pages 29 to 32 and ‘We do not cover’ in
Additional features on pages 15 to 26.
Third Party Property Damage cover
GIO Platinum cover includes Third Party Property Damage cover (see page 14).
Refer to the PED Guide for further information
11
Comprehensive cover
This cover includes:
` accidental loss or damage cover;
` third party property damage cover;
` additional features at no extra cost (see pages 15 to 26).
You can also choose an optional cover for an extra premium to tailor your insurance (see pages
27 to 28).
Accidental loss or damage cover
We cover We will cover you for accidental loss or damage to your car caused by an
incident in the period of insurance. Examples of incidents covered include:
` hail, storm and flood;
` fire;
` theft or attempted theft;
` malicious damage or vandalism;
` collision and impact.
Limit
The most we will pay for any one insured incident is the amount covered
for your car as shown on your certificate of insurance, unless we say
otherwise in your policy.
We do not cover See ‘General exclusions’ on pages 29 to 32, ‘We do not cover’ in Additional
features on pages 15 to 26 and ‘We do not cover’ in Optional covers on
pages 27 to 28.
Third Party Property Damage cover
Comprehensive cover includes Third Party Property Damage cover (see page 14).
Refer to the PED Guide for further information
12
Fire, Theft & Third Party Property Damage cover
This cover includes:
` fire and theft cover;
` third party property damage cover;
` additional features at no extra cost (see pages 15 to 26).
Fire and theft cover
We cover We will cover you for accidental loss or damage to your car caused by any
of the following incidents in the period of insurance:
` fire;
` theft or attempted theft.
Limit
The most we will pay for any one insured incident is the amount covered
for your car as shown on your certificate of insurance, unless we say
otherwise in your policy.
We do not cover See ‘General exclusions’ on pages 29 to 32 and ‘We do not cover’ in
Additional features on pages 15 to 26.
Third Party Property Damage cover
Fire, Theft & Third Party Property Damage cover includes Third Party Property Damage cover
(see page 14).
Refer to the PED Guide for further information
13
Third Party Property Damage cover
This cover includes:
` legal liability for damage to other people’s property;
` additional features at no extra cost (see pages 15 to 26).
Legal liability for damage to other people’s property
We cover We will cover you or anyone you authorise to drive your car for legal
liability for loss or damage to another person’s vehicle or property
resulting from an incident caused by the use of your car in the period of
insurance. Examples of incidents covered include:
` legal liability that is the responsibility of your employer, principal or
partner because you were driving your car in connection with your
occupation;
` legal liability for the cost of cleaning up by emergency services after an
incident involving your car;
` legal liability for damage to another vehicle or property because a
vehicle collided with or tried to avoid colliding with:
` property falling from your car; or
` property being loaded or unloaded from your car.
Limit
The most we pay for all claims from any one insured incident is $20 million,
including all associated legal costs we have agreed to pay for your claim.
We do not cover See ‘General exclusions’ on pages 29 to 32 and ‘We do not cover’ in
Additional features on pages 15 to 26.
Third Party Property Damage (TPPD) insurance is often confused with
Compulsory Third Party (CTP). Your CTP insurance only covers your liability to
pay compensation for injuries to other people, whilst TPPD covers your liability
to pay compensation for damage to the property of others.
Refer to the PED Guide for further information
14
Additional features
When you make a claim under your policy for an incident that happens in the period of insurance,
you may be entitled to cover under the following additional features. You can make a claim under
some additional features separately or independently to a claim for loss or damage to your car.
Some features may or may not apply depending on the level of cover you have chosen and is
shown in the additional feature detail.
In some circumstances, we may decide to make an additional feature available to you before we
accept or agree to pay your claim. If we do this, it does not mean that your claim has or will be
accepted or that we have otherwise agreed to pay your claim. If we later decide that we cannot
accept or pay your claim then the cover available under an additional feature will not apply and we
may decide to recover the costs from you.
There are some things we do not cover under these additional features and these are shown in the
‘We do not cover’ section of the following tables on pages 15 to 26 and in the ‘General exclusions’
on pages 29 to 32. All of the conditions of this policy apply to these additional features unless the
cover says otherwise.
1. Lifetime new car replacement
Applies to GIO Platinum cover only.
We cover If your car has been stolen or damaged in an incident in the period of
insurance and we have agreed to pay your claim as a total loss, we cover
the cost to replace your car, if:
` you are the first registered owner of your car or you purchased your car
as an ‘ex-demonstration’ model from a licensed motor dealer who was
the first registered owner of the car; and
` your car has been continuously insured under our GIO Platinum level of
cover, from within 13 months of your car first being purchased until the
time of the insured incident; and
` it is possible for us to supply or order a new car of the same make and
model within 90 days of us deciding your car is a total loss or, if one is not
available within that time, it is possible to provide you with a new car that
is in our opinion a similar make or model to your car; and
` anyone who financed your car provides us with written consent.
We will:
` replace your car with a new car that we consider to be the same or
similar make and model, including similar accessories, modifications,
tools and spare parts;
` pay the on road costs such as stamp duty, CTP, registration and delivery
charges applicable and your policy will continue until its expiry date.
Note: For full details of how we settle total loss claims please see page 41.
If you claim under this additional feature you are unable to claim under the
additional feature ‘New car after a total loss for cars less than 2 years old’
on page 19.
We do not cover The cost for replacing or purchasing an extended warranty.
15
2. GIO Platinum hire car
Applies to GIO Platinum cover only.
We cover If we have agreed to pay your claim for an incident that occurs in the
period of insurance and your car cannot be safely driven, is in for repairs or
has been stolen, you can choose to:
` allow us to arrange and pay the reasonable hire costs of a car that is in
our opinion a similar make or model to your car (or if a similar make or
model is not available you can choose an alternative equivalent car)
using our provider (but only if our provider has a car available, and is
within a reasonable distance of your location); or
` arrange a hire car using a provider of your choice. Where we:
` agree to your choice of provider, we will reimburse you the
reasonable cost of the hire car that is in our opinion a similar make
or model to your car;
` do not agree to your choice of provider, we will only pay you the
amount it would have cost us to provide you with a car that is in our
opinion a similar make or model to your car using our provider.
If there are no hire cars available from any provider within a reasonable
distance of your location, then we will pay you the lesser of:
` the amount it would have cost us to provide you with a car that is in our
opinion a similar make or model to your car using our provider, had one
been available; or
` the actual cost you incur in making alternative travel arrangements.
Insurance for your hire car
If you allow us to arrange a hire car with our provider, we will cover
accidental loss or damage to the hire car under this policy during the
covered hire period as if the definition of ‘car’ in the policy had been
extended to include the hire car. However, cover for the hire car is limited
to the market value of the hire car.
If we agree to your hire car provider of choice, this policy does not extend
to include the hire car. But during the covered hire period we will cover:
` the reasonable cost of the insurance you arrange with your provider; and
` the difference between any excess charged by your hire car provider
(or the insurer), and the amount of excess that would have been
payable under this policy had the definition of ‘car’ in the policy been
extended to include the hire car, if the hire car excess is more.
If you arrange a hire car and we do not agree to your provider of choice,
we do not provide any cover under this policy for the hire car or the cost of
hire car insurance (including the hire car excess or the cost of reducing the
hire car excess).
Limit
The most we will pay is $90 per day. The benefit stops when:
` your car is returned undamaged;
` we repair your car and return it to you;
` we settle your claim.
Note: For further details of our hire car conditions, see page 42.
16
3. GIO Platinum windscreen and window glass cover
Applies to GIO Platinum cover only.
We cover When the only loss or damage to your car following an incident in the
period of insurance that is covered by your policy is the windscreen or
window glass (including sun roof), we cover the cost to repair or replace
your damaged windscreen or window glass (including sun roof) without
you having to pay an excess.
Limit
One excess free claim only in the period of insurance.
Note: If a claim is made for cover under a separate additional feature an
excess will be payable for the claim made under the additional feature.
17
4. 7 day repair guarantee
Applies to Comprehensive cover only.
We cover If we have agreed to pay your claim and cannot get your car repaired
within 7 calendar days beginning on the day your car is driven to our
assessment centre for assessment, then on the 8th calendar day we will
pay the reasonable hire cost of a ‘compact’ category hire car until the car
is repaired, but only if:
` the damage to your car happened in one incident; and
` your car has not been damaged as a result of hail or flood; and
` your car can be safely driven to the assessment centre; and
` your car does not require additional private work to be carried out; and
` all repairs to your car are carried out as we direct.
You can choose to:
` allow us to arrange and pay the reasonable hire cost of a ‘compact’
category hire car using our provider (but only if our provider has a car
available, and is within a reasonable distance of your location); or
` arrange a hire car using a provider of your choice. Where we:
` agree to your choice of provider, we will reimburse you the
reasonable hire cost of a ‘compact’ category hire car;
` do not agree to your choice of provider, we will only pay you the
amount we would have paid had you used our hire car provider.
If there are no ‘compact’ category hire cars available from any provider
within a reasonable distance of your location, then we will pay you the
lesser of:
` the amount it would have cost us to provide you with a ‘compact’
category hire car using our provider, had one been available; or
` the actual cost you incur in making alternative travel arrangements.
Insurance for your hire car
The same rules apply to insurance for your hire car under this additional
feature as apply to the ‘GIO Platinum hire car’ feature (see page 16).
Limit
The benefit stops when we repair your car and return it to you.
Note: If you have GIO Platinum cover you can claim under the ‘GIO
Platinum hire car’ additional feature on page 16. For further details of
our hire car conditions see page 42.
For details of the locations of the assessment centres visit www.gio.com.au.
18
5. New car after a total loss for cars less than 2 years old
Applies to GIO Platinum or Comprehensive cover only.
We cover When your car has been stolen or damaged in an incident and we have
agreed to pay your claim as a total loss, we cover the cost to replace your
car, if:
` you are the first registered owner of your car (or you purchased your
car as an ‘ex demonstration’ model from a licensed motor dealer who
was the first registered owner of the car); and
` the loss or damage to your car was caused by an incident that occurred
less than 2 years from the date of original registration; and
` it is possible for us to supply or order a new car of the same make and
model within 90 days of us deciding your car is a total loss or, if one is
not available within that time, it is possible to provide you with a new
car that is in our opinion a similar make or model to your car; and
` anyone who financed your car provides us with written consent.
We will:
` replace your car with a new car that we consider to be the same or
similar make and model, including, similar accessories, modifications,
tools and spare parts;
` pay the on road costs such as stamp duty, CTP, registration and
delivery charges applicable and your policy will continue until its expiry
date.
Note: For full details of how we settle total loss claims see page 41.
We do not cover The cost for replacing or purchasing an extended warranty. There is no
cover under this feature if you are eligible to claim under ‘Lifetime new car
replacement’ additional feature, see page 15.
6. Two-wheel trailer cover
Applies to GIO Platinum or Comprehensive cover only.
We cover Your two-wheel trailer for accidental loss or damage when it is attached to
your car and is damaged or stolen in an incident that is covered by your
policy.
Limit
Up to a total of $1,000.
19
7. Emergency travel, accommodation and repairs
Applies to GIO Platinum, Comprehensive or Fire, Theft & Third Party Property Damage cover only.
We cover When your car has been stolen or damaged in an incident covered by your
policy and we have agreed to accept your claim you will be covered for
the following:
` reasonable costs for emergency repairs to make your car roadworthy or
safe in order to get your car to your destination
(e.g. to a repairer or to your home);
` reasonable emergency travel and accommodation costs if your car is
not roadworthy or safe to drive and you are more than 100km from your
home.
Limit
You can authorise reasonable costs on our behalf subject to the following
limits:
` up to a total of $500 for emergency repairs; and
` up to a total of $500 for emergency travel and accommodation costs.
You need to provide us with all invoices and receipts.
Note: If you have Fire, Theft & Third Party Property Damage Cover this
feature only applies when the incident is fire or theft.
8. Locks and keys
Applies to GIO Platinum, Comprehensive or Fire, Theft & Third Party Property Damage cover only.
We cover When your car keys are stolen in the period of insurance we cover the cost
of replacing the keys and recoding your car’s locks.
Limit
Up to a total of $1,000.
Note: Your standard excess and any voluntary excess if you have chosen
one is payable for a claim made under this feature.
20
9. Hire car after theft
Applies to Comprehensive or Fire, Theft & Third Party Property Damage cover only.
We cover If we have agreed to pay your claim as a result of theft of your car, you can
choose to:
` allow us to arrange and pay the reasonable hire cost of a ‘compact’
category hire car using our provider (but only if our provider has a car
available, and is within a reasonable distance of your location); or
` arrange a hire car using a provider of your choice. Where we:
` agree to your choice of provider, we will reimburse you the
reasonable hire cost of a ‘compact’ category hire car;
` do not agree to your choice of provider, we will only pay you the
amount we would have paid had you used our hire car provider.
If there are no ‘compact’ category hire cars available from any provider
within a reasonable distance of your location, then we will pay you the
lesser of:
` the amount it would have cost us to provide you with a ‘compact’
category hire car using our provider, had one been available; or
` the actual cost you incur in making alternative travel arrangements.
Insurance for your hire car
The same rules apply to insurance for your hire car under this additional
feature as apply to the ‘GIO Platinum hire car’ feature (see page 16).
Limit
Up to 14 days. The benefit stops before the 14 day limit if:
` your car is returned undamaged;
` we repair your car and return it to you;
` we settle your claim.
Note: If you have GIO Platinum cover you can claim under the ‘GIO
Platinum hire car’ additional feature on page 16. For further details of our
hire car conditions see page 42.
21
10. Towing and storage costs
Applies to GIO Platinum, Comprehensive or Fire, Theft & Third Property Damage cover only.
We cover When your car is damaged in an incident covered by your policy and it is
not roadworthy or safe to drive or needs to be held in storage, we cover
the reasonable costs of:
` towing your car to:
` our nearest assessment centre or repair facility; or
` another location nominated or agreed by us;
` storing your car.
Limit
You can authorise reasonable costs on our behalf. You need to provide us
with all invoices and receipts.
Note: If you have Fire, Theft & Third Party Property Damage cover this
additional feature only applies when the incident is fire or theft.
We do not cover Storage costs for any period before your claim is lodged or after your
claim is settled.
11. Personal property in your car
Applies to GIO Platinum, Comprehensive or Fire, Theft & Third Party Property Damage cover only.
We cover When your car has been stolen or damaged in an incident and we have
agreed to accept your claim, your personal property in the car at the time
of the incident (e.g. clothing, electronic and telecommunication devices)
are also covered for any accidental loss or damage that results from the
same incident.
Limit
Up to a total of $500.
Note: If you have Fire, Theft & Third Party Property Damage cover this
feature only applies when the incident is fire or theft.
We do not cover ` cash, smartcards, phone cards, documents able to be cashed or traded,
vouchers, tickets or money orders;
` tools (other than those supplied as standard by the car manufacturer or
similar replacements);
` items used for business, trade or profession.
22
12. Taxi and transport cover
Applies to GIO Platinum, Comprehensive, Fire, Theft & Third Party Property Damage or Third Party
Property Damage cover only.
We cover If we have agreed to pay your claim for loss or damage to your car, we will
cover the reasonable taxi costs or otherwise arrange for you to be
transported from one of our assessment centres or repair facilities to your
home or work and then back again once the repairs are complete, but
only if:
` you are first able to safely drive your car into one of our assessment
centres or repair facilities; and
` you allow us to arrange the repairs.
Limit
The maximum we will pay are your reasonable taxi costs or other transport
arrangement costs we arrange for 2 journeys only.
Note: If you have Fire, Theft & Third Party Property Damage cover only this
additional feature only applies if the damage to your car is as a result of
fire or theft or covered under additional feature ‘15. Damage by uninsured
drivers’ and we decide to repair the damage.
If you have Third Party Property Damage cover only this additional
feature only applies if the damage to your car is covered under
additional feature ‘15. Damage by uninsured drivers’ and we decide
to repair the damage.
23
13. Replacement car cover
Applies to GIO Platinum, Comprehensive, Fire, Theft & Third Party Property Damage or Third Party
Property Damage cover only.
We cover If you replace your car with another car in the period of insurance, we will
insure the replacement car on the same terms and for the same level of
cover for the remainder of the period of insurance provided:
` you tell us within 14 days of you taking delivery of the replacement
car; and
` we agree in writing to insure the replacement car; and
` you pay any additional premium we require. If an additional premium is
payable, we will tell you how much it is and how it is to be paid.
Otherwise, we will only cover your replacement car for the same level of
cover as your car for up to 14 days from when you take delivery of the
replacement car or until you arrange insurance for your replacement car,
whichever occurs first.
Limit
Your replacement car is covered up to the price you paid for it, or its
market value, whichever is less. The limit applies until you tell us about
the change and we have agreed in writing to cover you.
Note: The cover ends for your car and begins for the replacement car at
the time you take delivery of the replacement car. If we agree to insure
your replacement car and you pay us any additional premium we require,
we will send you a new certificate of insurance. If we do not agree to
insure your replacement car we will cancel your policy.
24
14. Substitute car
Applies to GIO Platinum, Comprehensive, Fire, Theft & Third Party Property Damage or Third Party
Property Damage cover only.
We cover If, during the period of insurance, you use a substitute car that is of a
similar type to your car when your car cannot be driven, for example it is
being repaired, serviced or has had a mechanical breakdown, we will give
you Third Party Property Damage cover (see page 14) for the use of the
substitute car.
Limit
14 days from the day your car was not driveable, or until it is driveable,
whichever is earlier.
We do not cover ` use of any hire car;
` any claim if you do not have legal use of the substitute car;
` any claim if the substitute car belongs to you;
` any claim that is covered by another insurer or insurance policy;
` loss or damage to the substitute car.
15. Damage by uninsured drivers
Applies to Fire, Theft & Third Party Property Damage or Third Party Property Damage Cover only.
We cover When your car is damaged in a collision with another vehicle driven by an
uninsured driver, we cover damage to your car but only if:
` we agree you are not at fault; and
` you give us the name and address of the uninsured driver; and
` you give us the registration details of the other vehicle;
and we have otherwise agreed to pay your claim.
Limit
Cost of repairs up to a total of $5,000 or the market value of your car,
whichever is less.
25
16. Third party property damage for caravans and trailers
Applies to GIO Platinum, Comprehensive, Fire, Theft & Third Party Property Damage or Third Party
Property Damage cover only.
We cover When your car is towing a caravan or trailer and loss or damage is caused
to another person’s vehicle or property in the period of insurance as a
result of:
` the actions of your caravan or trailer;
` your caravan or trailer running out of control after separating from your
car while your car is moving;
` another vehicle colliding with or trying to avoid colliding with:
` property falling from your caravan or trailer while it is being towed
by your car;
` property being loaded or unloaded from your caravan or trailer
attached to your car;
then we cover the amount you are legally liable to pay another person to
compensate them for loss or damage to their property.
Limit
Up to a total of $20 million including associated legal costs we have
agreed to pay.
We do not cover ` damage to the caravan or trailer being towed;
` damage to the actual property that falls or is being loaded or unloaded
from your caravan or trailer.
Refer to the PED Guide for further information
26
Optional covers
Any optional covers you select, and we agree to give you, will be shown on your certificate of
insurance. An extra premium will apply. Under the optional covers there are some things we do not
cover and this is shown in the ‘We do not cover’ section of the following tables on pages 27 to 28
and in the ‘General exclusions’ on pages 29 to 32. All of the conditions of this policy apply to these
optional covers unless stated otherwise.
In some circumstances, we may decide to make an optional cover available to you before we
accept or agree to pay your claim. If we do this, it does not mean that your claim has or will be
accepted or that we have otherwise agreed to pay your claim. If we later decide that we cannot
accept or pay your claim then the cover available under an optional cover will not apply and we
may decide to recover the costs from you.
1. Windscreen and window glass cover
Available to Comprehensive cover only.
We cover When the only loss or damage to your car following an incident in the
period of insurance that is covered by your policy is the windscreen or
window glass (including sun roof), we cover the cost to repair or replace
your damaged windscreen or window glass (including sun roof) without
you having to pay an excess.
Limit
One excess free claim only in the period of insurance.
Note: GIO Platinum customers are eligible to claim under the ‘GIO
Platinum windscreen and window glass cover’ additional feature on
page 17.
If a claim is made for cover under a separate additional feature an excess
will be payable for the claim made under the additional feature.
27
2. Hire car after an event up to 14 days
Available to Comprehensive cover only.
We cover When we agree to pay your claim for an incident covered by your
policy and your car cannot be safely driven or is in for repairs or has
been stolen, you can choose to:
` allow us to arrange and pay the reasonable hire cost of a ‘compact’
category hire car using our provider (but only if our provider has a
car available, and is within a reasonable distance of the location of
the incident or place your car was stolen); or
` arrange a hire car using a provider of your choice. Where we:
` agree to your choice of provider, we will reimburse you the
reasonable hire cost of a ‘compact’ category hire car;
` do not agree to your choice of provider, we will only pay you the
amount we would have paid had you used our hire car provider.
If there are no ‘compact’ category hire cars available from any provider
within a reasonable distance of the location of the incident or place
your car was stolen, then we will pay you the lesser of:
` the amount it would have cost us to supply you with a ‘compact’
category hire car using our provider had one been available; or
` the actual cost you incur in making alternative travel arrangements.
Insurance for your hire car
The same rules apply to insurance for your hire car under this option as
apply to the ‘GIO Platinum hire car’ feature (see page 16).
Limit
Up to 14 days. This benefit stops before the 14 day limit if:
` your car is returned undamaged;
` we repair your car and return it to you; or
` we settle your claim.
Note: If your car is stolen, you can use the cover under the ‘Hire car
after theft’ additional feature (see page 21), and then use cover under
this option to give you a longer period of car hire.
GIO Platinum customers can claim under the ‘GIO Platinum Hire Car’
additional feature, see page 16.
For further details of our hire car conditions, see page 42.
Refer to the PED Guide for further information
28
General exclusions
You are not covered under any section of this policy for damage, loss, cost or legal liability that
is caused by or arises from or involves:
Agreements you enter into
any agreement or contract you, or someone you authorised to drive or be in charge of your car,
enter into accepting liability, but we will provide cover if the legal liability would have existed
without that agreement.
Alcohol or drugs
an incident occurring when your car is being driven by, or is in the charge of, anyone who:
` was under the influence of, or had their judgement affected by any alcohol, drug or
medication;
` had more than the legal limit for alcohol or drugs in their breath, blood, saliva or urine as
shown by analysis;
` refused to take a test for alcohol, drugs or medication.
But we will pay a claim for you (but not the driver or person in charge of your car) if your car
was stolen.
Asbestos
asbestos, asbestos fibres or derivatives of asbestos of any kind.
Biological, chemical, other pollutant or contaminant
` any actual or threatened biological, bacterial, viral, germ, chemical or poisonous substance,
pollutant or contaminant; or
` any looting or rioting following the actual or threatened release of any biological, bacterial,
viral, germ, chemical or poisonous substance, pollutant or contaminant; or
` any action taken by a public authority to prevent, limit or remedy the actual or threatened
release of any biological, bacterial, viral, germ, chemical or poisonous substance, pollutant or
contaminant.
Confiscation or repossession
legal confiscation or repossession of your car or its contents.
Condition of car
` any structural, mechanical, electrical or electronic failure or breakdown;
` any mould, mildew, wear, tear, rust, corrosion or depreciation;
` your car if it was damaged, unsafe or un-roadworthy at the time of the incident.
Comments
Post a Comment