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.

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 section	Page #	Update type	Change in the PDS
Important Information	4 - 11
Cancelling your policy	4	Benefit	Cancellation fee reduced to $22, with clarity on when this will apply.
What if I have a complaint?	5	Clarification	Updated details regarding our complaints process.
Your duty of disclosure / When answering our questions	6	Clarification	The 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 responsibilities	6 - 7	Clarification	Improved transparency with expanded section on the requirement to maintain a valid email address.
Your responsibilities	7	Clarification	Responsibility 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 mean	9	Reduction	Earthquake: definition changed, no longer includes landslip.
	10	Clarification	Roadworthy: updated to clarify compliance with the roadworthy requirements of the state in which a car or trailer is being used.
	10	Clarification	You / 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 modifications	11	Clarification	How to include accessories and modifications in the market value or agreed value.
About your cover	11 - 22
Theft	12	Clarification	Examples provided for what "reasonable precautions" are required when the car is being test driven.
Legal Liability	12	Reduction	Legal Liability includes cover for the driver of the insured car and substitute car; cover while driving any uninsured car has been removed.
Personal Transport	13	Benefit	New cover for the reimbursement for personal transport costs up to $100 after an insured event.
Hire Car	13, 14 and 19	Clarification	Updated to clarify what type of hire car is provided in various circumstances.
	13, 14 and 19	Clarification	Confirmation of running costs that are not covered.
	13 , 14 and 19	Reduction	Extended exclusion to also exclude hire cars used for paid delivery services.
Uninsured Third Party	14	Clarification	Clarified information required about a third party.
Unbraked Trailer	15	Benefit	Previously Optional Cover, now automatically included as Extra Cover in Comprehensive and Third Party Fire and Theft policies.
	15	Reduction	Cover reduction from $2,500 to $1,500.
	15	Reduction	No longer available for Third Party Property Only policies.
Temporary Replacement Cover	16	Benefit	Previously Immediate Replacement Car cover; includes cover for when the car is given away.
Counselling Services	16	Benefit	Removed 6-month limit to commence counselling.
Funeral Expenses	16	Benefit	New Extra Cover for Comprehensive policies; includes up to $5,000 for funeral expenses as a result of an accident.
Maritime Liability	-	Reduction	No longer available.
Business Items (optional)	19	Clarification	Increased cover limits to $400 per item and $2000 in total per claim.
Business Items (optional)	19	Reduction	No longer available for Third Party Property Only policies.
Choice of Repairer (optional)	20	Clarification	Additional information about how we assess and approve repairs for your choice of repairer.
General exclusions	21	Clarification	Exclusion relating to poor or faulty design specifications, material, planning or workmanship, or a defect have been updated to improve transparency.
Claiming	23 - 28
Authorised persons on your claim	23	Clarification	Updated section describing (1) how to add an authorised person and (2) conflict of interest.
How we settle your claim	24 - 27	Clarification	Updated section providing clarity on how we settle claims.
How we settle your claim – New car replacement	27	Benefit	Removed the 500km limit for when the car is purchased, and the 40,000km limit for when the incident occurs.
How we settle your claim – New car replacement	27	Reduction	For 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.
Excess	27 - 28	Clarification	Clarification of how and when an excess applies.
Actions of others	28	Benefit	New section describing circumstances where cover may not be limited by the actions of other people.