Insurance

							Insurance
Product Disclosure Statement
and Policy Wording
                          INDEX


Product Disclosure Statement                     2
Introduction                                     2
Contact Information                              2
About the Insurer                                3
About Available Covers                           3
Understanding Your Policy and it’s Important
Terms and Conditions                             4
Your Insurance Policy                            5
Your Insurance Premium                          5
Excess                                           6
GST                                              6
Cooling Off Period                               6
Cancellation                                     7
How to Make a Claim                              7
Dispute Resolution Process                       7
Privacy                                          8
Your Duty of Disclosure                         10
MyDirtBike Insurance - Policy Wording           11
Our Agreement with You                          11
Words with Special Meanings                     11
Cover                                           14
Cover for Damage to your Dirt Bike              14
General Exclusions Applicable to all Sections   15
General Conditions of Cover                     18
What you Should Do                              19




                              1
                     INTRODUCTION

This document is a Product Disclosure Statement (PDS) for
My Dirt Bike Insurance Policy and is also your insurance
policy wording. This document contains important
information to help you understand this insurance. Any
advice in this document is of a general nature only and has
not considered your objectives, financial situation or needs.
You should carefully consider the information provided having
regard to your personal circumstances to decide if this
insurance is right for you.

This PDS will provide you with information about the
significant features of My Dirt Bike Insurance Policy. It is
designed to help you compare and make informed choices
about this type of insurance product.

This PDS (Ref: AUAMYDB0506) is dated May 2006 and
issued by Calliden Limited,

Suite 1, Level 3, Building B,
207 Pacific Highway,
St Leonards, NSW 2065
or email to: customerservice@calliden.com.au

Arista Underwriting Agency arranges My Dirt Bike Insurance
on behalf of the insurer, Calliden Limited. Arista does not act
on your behalf. Arista Underwriting Agency is a trading name
for ICF (Australia) Pty Ltd (ABN 75 115 419 853).
ICF (Australia) Pty Ltd is regulated under the Corporations Act
2001, and is the holder of an Australian Financial Services
Licence (AFS Licence Number 291260) issued pursuant to
that Act.

Contact Information

You may contact Arista Underwriting Agency through our toll-
free telephone number:
Phone Arista on 1300 274 782
Write to Arista at:
Arista Underwriting Agency
Private Mail Bag 14
CASTLE HILL 1765
OR
Email: mydirtbike@aristaunderwriting.com.au
                              2
                 ABOUT THE INSURER

Calliden Limited (“Calliden”), ABN 43 110 186 224, is a
public company incorporated in Australia. It is authorised
under the Insurance Act 1973 (Cth) (“the Act”) to conduct
insurance business in Australia. The Act establishes a
system of financial supervision of general insurers in
Australia. As an authorised insurer, Calliden is regulated by
the Australian Prudential Regulation Authority (“APRA”).

Calliden is also regulated under the Corporations Act 2001,
and is the holder of an Australian Financial Services Licence
(AFS Licence Number 284889) issued pursuant to that Act.
As a holder of an AFS Licence, Calliden is regulated by the
Australian Securities and Investments Commission.

Calliden specialises in developing tailored insurance
solutions, in partnership with intermediaries, for affinity
groups and associations in the Australian SME sector.
To find out more about Calliden please visit
www.calliden.com.au

             ABOUT AVAILABLE COVERS

Damage to your Dirt Bike
We will insure you for Damage to your Dirt Bike shown in the
Policy Schedule. The Damage must be caused by an
Insured Event and happen within Australia during the period
of insurance.

The events insured are:

• Fire, explosion, lightning, earthquake, flood.
• Collision, impact, overturning of a Vehicle which was
  transporting your Dirt Bike.
• Theft from a vehicle while the Vehicle transporting your
  Dirt Bike is attended.
• Theft from a locked Vehicle transporting your Dirt Bike
  while your Dirt Bike was locked in or to the carrying vehicle.
• Theft with forcible entry from locked premises.




                               3
We will pay:

• The market value of your Dirt Bike ( or any sum insured
  indicated on your Schedule, if it is less than the market
  value of Your Dirt Bike )
• Reasonable costs of towing or storage after insured
  Damage happens
• General average charges and salvage charges incurred if
  your Dirt Bike is being transported by ship within
  Australian waters and these apply

Exclusions

The policy will not provide insurance cover under certain
circumstances. For example, we will not cover claims
for loss or damage arising from you riding your Dirt Bike. Full
details of the exclusions appear in the policy wording. You
should read the policy wording and make yourself aware of
all the exclusions that apply.

    UNDERSTANDING YOUR POLICY AND ITS
     IMPORTANT TERMS AND CONDITIONS

To properly understand this policy’s significant features,
benefits and risks you need to carefully read:

• about each of the available types of cover and benefits in
  the relevant sections, including any endorsements
  (remember certain words have special meanings – see
  the “Words with special meanings” section);

• “General Exclusions” section (this restricts the cover
  and benefits);

• “General Conditions of Cover” and “Making a Claim”
  sections (these set out certain obligations that you and
  we have. If you do not meet them we may be able to
  refuse to pay a claim or reduce the amount that we have
  to pay); and

• “Other information” section (this contains important
  information on our dispute resolution process and our
  privacy policy).



                              4
             YOUR INSURANCE POLICY

When you apply for the policy by completing our application
we agree with you on things such as: the period of
insurance; your premium; what property you want to cover;
and whether any standard terms need to be varied (this may
be by way of an endorsement). These details are recorded in
the schedule we issue to you.

This policy sets out the cover we are able to provide you
with. You need to decide if the limits, type and level of cover
are appropriate for you and will cover your potential loss. If
they are not, you may be underinsured and have to bear part
of any loss you are not covered for yourself. To avoid this,
people seek to set the insured amount for the relevant
property being insured at its estimated replacement value.

            YOUR INSURANCE PREMIUM

The base premium we charge varies according to your
risk profile. The factors taken into account include such
things as where you live, the type of Dirt Bike being insured,
amount of cover required, and relevant claims history etc.
In some cases discounts may apply if you meet certain
criteria we set.

You will also have to pay any compulsory government
charges (e.g. Stamp Duty and GST) plus any additional
charges we tell you about. In some cases a service fee will
apply where you pay your premium by instalments. We tell
you the total amount payable when you apply for the
insurance and if you proceed to obtain the insurance, the
amounts due will be confirmed in your schedule.

If you pay your premium by instalments refer to the
“Conditions of cover” section for important details on your
and our rights and obligations. Note that an instalment
premium outstanding for 14 days may result in our refusal to
pay a claim.




                              5
                           EXCESS

If you make a claim under the policy, you will have to pay an
excess. The amount of the excess that you will have to pay
is printed on your policy schedule. The amount payable by
you will be calculated after deduction of any input tax credit
that you are or may be entitled to claim on payment of the
excess.

                              GST

If you are not registered for GST in the event of a claim we
will reimburse you the GST component in addition to the
amount that we pay.

The amount that we are liable to pay under this Policy will be
reduced by the amount of any input tax credit that you are or
may be entitled to claim for the supply of goods or services
covered by that payment.

If you are entitled to an input tax credit for the premium, you
must inform us of the extent of that entitlement at or before
the time you make a claim under this Policy. We will not
indemnify you for any GST liability, fines or penalties that arise
from or are attributable to your failure to notify us of your
entitlement (or correct entitlement) to an input tax credit on
the premium.

If you are liable to pay an excess under this Policy, the
amount payable will be calculated after deduction of any
input tax credit that you are or may be entitled to claim on
payment of the excess.

                 COOLING OFF PERIOD

There is a 21 day cooling off period. If you are not completely
satisfied with your policy, you can cancel it by contacting
Arista Underwriting Agency in writing within 21 days of the
date of issue of your policy. We will refund your premium less
any non-refundable government charges and taxes that we
have paid. You do not have a right to cancel your policy if you
make a claim for any incident within the 21 day period.




                                6
                    CANCELLATION

For cancellation rights after the 21 day period, please read
General Condition of cover.

General Insurance Code of Practice

Both Arista and Calliden operate in accordance with the
General Insurance Code of Practice, the primary aim of
which is to raise the practice and service in the general
insurance industry.

               HOW TO MAKE A CLAIM

To make a claim against this Policy, please contact Arista on
1300 274 782. For full details on claims procedures please
refer to the subject section under General Conditions of
Cover in the Policy wording

         DISPUTE RESOLUTION PROCESS

If you would like to dispute a decision made by us the first
step you should take is to contact a Calliden staff member.
You will need to advise us if you are dissatisfied with:
• Our decision on your claim
• Our handling of your claim
• The service of our authorised representatives, loss
    adjusters or investigators
• Your insurance policy

To contact us please call 02 9551 1111 or email us at
complaints@calliden.com.au

Should we be unable to resolve your complaint, the staff
member handling your query will refer the matter to their
manager for immediate attention.

Should your complaint still be unresolved, the manager will
refer you to Calliden’s internal disputes handling department.
This department will acknowledge your complaint within 2
business days of receipt and will endeavour to resolve your
complaint within a further 13 business days.




                              7
If we cannot resolve your complaint within 15 business days
or you do not accept our decision, you can seek an external
review via our external dispute resolution scheme,
administered by the Insurance Ombudsman Service (IOS).
This national scheme is for consumers and is aimed at
resolving disputes between insureds and their insurance
companies. The scheme also provides general information
about any general insurance matter. The IOS scheme is an
ASIC approved external dispute resolution scheme.

                        PRIVACY

Both Arista and Calliden are committed to protecting the
privacy of the personal information you provide to us. Any
personal information you give us will be treated in
accordance with the Privacy Act 1988.

We require personal information about you to assess your
request for insurance and to administer your policy, and also
to notify you about our other services or promotions from
time to time.

Unless we are required by law to provide personal
information to others, your personal information will only be
seen or used by:
• our own staff and contracted staff
• claims adjusters, lawyers and others appointed by us or
    on behalf of us for claims handling purposes, and
• our reinsurers and reinsurance brokers (which may
    include persons or entities located outside Australia)

By submitting your personal information to us, you agree to
us using and disclosing your personal information as outlined
in this Privacy Statement. This consent to the use and
disclosure of your personal information remains valid unless
you alter or revoke it by giving us written notice.

If you do not provide the information requested, your
insurance application may not be accepted, or we may not
be able to administer your policy, or you may breach your
Duty of Disclosure, the consequences of which are set out
under the heading Duty of Disclosure in the PDS section of
this document.



                             8
You can request access to the personal information we hold
about you and, where necessary, you can notify us in writing
of changes so we can ensure that the information we hold
about you is accurate, complete and up-to-date.

From time to time, we may use your name and contact
details to send you or your firm offers or information regarding
our insurance services or promotions that may be of interest
to you. Please let us know if you no longer wish to receive
this information.

For further details of Arista’s Privacy Policy or to request
access to or correct your personal information, please
contact the Arista on 1300 274 782 or by e-mail to
privacy@aristaunderwriting.com.au or by letter addressed to
the Privacy Officer, Arista Underwriting Agency, PMB 14
Castle Hill, NSW 1765. Arista’s Privacy Policy may also be
viewed on Arista’s website www.aristaunderwriting.com.au

For further details of Calliden’s Privacy Policy, please contact
the Privacy Officer at Calliden on 02 9551 1111, by e-mail to
privacy@calliden.com.au or by letter addressed to the
Privacy Officer, Calliden Limited, Suite 1, Level 3, Building B,
207 Pacific Highway, St Leonards, NSW 2065. Calliden’s
Privacy Policy may also be viewed on Calliden’s website
www.calliden.com.au

Phoning for assistance

Please phone Arista Underwriting Agency if you need to
clarify any of the information contained in this policy wording
or you have any other queries regarding your insurance
policy.

Phone toll-free 1300 274 782




                               9
           YOUR DUTY OF DISCLOSURE

This policy is subject to the Insurance Contracts Act 1984.
Under that Act you have a Duty of Disclosure.

This policy is subject to the Insurance Contracts Act 1984.
Under that Act you have a Duty of Disclosure.

What you must tell us

When answering our questions, you must be honest and you
have a duty under law to tell us anything known to you, and
which a reasonable person in the circumstances, would
include in answer to the question. We will use the answers in
deciding whether to insure you and anyone else to be
insured under the policy, and on what terms.

Who needs to tell us

It is important that you understand you are answering our
questions in this way for yourself and anyone else whom you
want to be covered by the policy.

If you do not tell us

If you do not answer our questions in this way, we may
reduce or refuse to pay a claim, or cancel the policy. If you
answer our questions fraudulently, we may refuse to pay a
claim and treat the policy as never having worked.

You have the same duty to inform us of those matters
before you renew, extend, vary, or reinstate your contract
of insurance.


Your duty however does not require disclosure of matters that:
• reduce the risk
• are common knowledge
• we know or, in the ordinary course of our business, ought
   to know
• we have indicated we do not want to know




                             10
              MYDIRTBIKE INSURANCE
                - POLICY WORDING

Your policy consists of:
• this printed My Dirt Bike insurance policy which sets out
   details of your cover and its limitations and
• a schedule approved by us, which sets out who is
   insured, the cover(s) selected, the period of insurance,
   the limits of liability, excesses and other important
   information. This is referred to as the current schedule in
   the policy wording.

You should carefully read and retain your insurance policy
and current schedule. These documents should be read
together as they jointly form the contract of insurance
between you and us. Any new or replacement schedule we
may send you, detailing changes to your insurance or the
period of insurance will become the current schedule, which
you should carefully read and retain.

           OUR AGREEMENT WITH YOU

We will insure you on the basis:
• that you have paid, or agreed to pay us the premium for
  the cover(s) you have selected in your application and
  which the current schedule indicates are in force.
• of the information provided by you in the application or at
  any other time as required by your duty of disclosure. If
  you failed to comply with your duty of disclosure when
  answering questions in the application, we may be
  entitled to reduce our liability under the policy in respect
  of a claim or we may cancel your policy. If you have told
  us something, which is fraudulent, we also have the
  option of cancelling your policy from the effective date
  stated in the initial schedule.

        WORDS WITH SPECIAL MEANINGS

Some of the words in your policy have special meanings
wherever they appear. These words and their meanings are
defined below.

“Accessory” means any extra item or option fitted to your
Dirt Bike whether by the manufacturer or not.


                             11
“Business use” means the use of your Dirt Bike in
connection with business or your occupation.

“Damage” means unforeseen and unintended loss,
destruction or physical damage to your Dirt Bike happening
in Australia during the Period of Insurance not caused by or
related to the maintenance or repair of your Dirt Bike or use
of your Dirt Bike in circumstances excluded by this Policy.
Damage includes Theft.

“Dirt Bike” means the insured item or items shown on your
current schedule including:
• its standard tools and accessories,
• its fitted or non-standard extras or accessories which you
    have listed on your application or given us details of later
    and which we have accepted in writing.

“Excess” means the amount you must pay towards the cost
of any claim under the policy. The amount of the excess that
you will have to pay is printed on your policy schedule. The
amount payable by you will be calculated after deduction of
any input tax credit that you are or may be entitled to claim
on payment of the excess.

“Flood” means
a) a general, temporary condition of partial or complete
   inundation of normally dry land areas by the overflow of
   water from the normal confines of any natural water
   course or lake (whether or not altered or modified), or of
   any reservoir, canal or dam; or
b) a mud slide or mud flow which is caused or precipitated
   by an accumulation of water on, or under, the ground.

“Market Value” means our assessment of your Dirt Bike’s
value at the time of an incident you are claiming for, using
local market prices and considering the age and condition of
your Dirt Bike. The Market Value includes any GST,
government taxes and any other on-road costs.

“Period of insurance” means the period commencing on
the inception date stated in the current schedule and ending
on the expiry date stated in the current schedule.

“Theft” means any of the insured items, as listed in the
policy schedule, being stolen or in another person’s

                              12
possession without your permission or consent and without
that person having or claiming a legal entitlement to possess
the insured items.

“We”, “us” or “our” means Calliden Limited (ABN 43 110
186 224)

“You” or “your” means the person(s) named in the current
schedule as the insured.

“Arista” means ICF (Australia) Pty Ltd (ABN 75 115 419
853) trading as Arista Underwriting Agency.

“Act of terrorism” means any act, or preparation in respect
of action, or threat of action designed to influence the
government de jure or de facto of any nation or any political
division thereof, or in pursuit of political, religious, ideological
or similar purposes to intimidate the public or a section of the
public of any nation by any person
or group(s) of persons whether acting alone or on behalf of
or in connection with any organisation(s) or
government(s) de jure or de facto, and which:
i) involves violence against one or more persons;
ii) involves damage to property;
iii) endangers life other than that of the person committing
     the action;
iv) creates a risk to health or safety of the public or a section
     of the public; or
v) is designed to interfere with or to disrupt an electronic
     system.




                                13
                            COVER

Cover for Damage to your Dirt Bike

We will insure you for Damage to your Dirt Bike caused
by an Insured Event.

Insured Events

1. Fire, explosion, lightning, earthquake, flood.
2. Collision, impact, overturning or jacknifing of a Vehicle
   which was transporting your Dirt Bike.
3. Theft from a vehicle while the Vehicle transporting your
   Dirt Bike is attended.
4. Theft from a locked Vehicle transporting your Dirt Bike
   while your Dirt Bike was locked to or in the carrying
   vehicle and following forcible and violent entry into the
   locked Vehicle or carrying compartment
5. Theft from securely locked premises following forcible
   and violent entry.
6. Theft of the Vehicle which was transporting your
   Dirt Bike.
7. Malicious Damage while at locked premises.

We will not cover any Damage if your Dirt Bike was not stored
within a fully locked and enclosed building at the time of the
Malicious Damage.

In the event of Damage to your Dirt Bike We will decide
whether to:
• repair your Dirt Bike, or
• replace your Dirt Bike, or
• pay you the cost of repairing your Dirt Bike, or
• pay you the sum insured, as listed in the policy schedule
    or the Market Value whichever is the lesser, after
    deducting the excess shown in your policy schedule

You will need to pay the excess that applies or the amount of
the excess will be deducted from any payment made to you.

In the event that we decide that the Dirt Bike is a total loss and
we decide to replace your Dirt Bike, or pay you the market
value of your Dirt Bike, the Dirt Bike becomes our property.




                               14
Other things We will pay for:

1. Towing. Following Accident Damage of your Dirt Bike or
   subsequent recovery of your Dirt Bike, we will pay the
   reasonable cost of protection, removal and towing of your
   Dirt Bike to the nearest repairer, place of safety or any
   other place which we agree to.

2. Your Dirt Bike being transported by ship. If your Dirt
   Bike is being transported by ship within Australian waters,
   we will pay your contribution for any general average and
   salvage charges if such maritime conditions apply.

       GENERAL EXCLUSIONS APPLICABLE
              TO ALL SECTIONS

We will not pay any claim for Accidental Damage or legal
liability arising out of:

1. Criminal act
Your own criminal act or a criminal act by some other person
with your express or implied consent.

2. War & Civil War
Loss or damage directly or indirectly occasioned by,
happening through or in consequence of war, invasion, acts
of foreign enemies, hostilities (whether war is declared or
not), civil war, rebellion, revolution, insurrection, military or
usurped power or confiscation or nationalisation or requisition
or destruction of or damage to property by or under the order
of any government or public or local authority.

3. Nuclear
Ionising radiation or contamination by radioactivity from:
a) any nuclear fuel or from any nuclear waste, or from
    the combustion of any nuclear fuel (including any
    self-sustained process of nuclear fission);
b) nuclear weapons material.

4. Act of Terrorism
Actual or alleged liability directly or indirectly caused by,
contributed to by, resulting from or arising out of or in any way
connected with any:
a) act of terrorism, as defined herein; or
b) action in controlling, preventing, suppressing, retaliating
    against, or responding to any act of terrorism, regardless

                               15
   of any other cause or event contributing concurrently or
   in any other sequence.

We will not pay for:

5. Deliberate act
Any Damage to your Dirt Bike which is deliberately caused by
you or by somebody with your consent.

6. Theft by insured
Theft by you or any other person named in the current
schedule or by somebody with your consent, who has
stolen, converted or misappropriated your Dirt Bike.
7. Loss of use or depreciation
Any loss of use or depreciation, wear and tear, mechanical or
electrical breakdowns, failures or breakages to your Dirt Bike.

8. Tyres
Damage to the tyres caused by application of the brakes, by
road punctures, cuts, or bursts.

9. Lawful seizure
Loss or Damage as a result of the lawful seizure of your
Dirt Bike.

10. Safeguarding Dirt Bike
Further Damage to your Dirt Bike after an insured event
unless you have taken reasonable steps to protect or
safeguard it.

11. Financial Loss
Financial Loss occurring because:
a) you cannot use your Dirt Bike; or
b) your Dirt Bike’s value was less after being repaired.

12. For any event occurring outside of Australia.

13. Failure of computer or similar equipment
Loss or damage to any machinery, equipment, part,
accessory or other property which:
a) is a computer or which contains or comprises any
   computer technology (including computer chip or control
   logic); and
b) fails to perform or function in the precise manner for
   which it was designed for any reason arising from the

                              16
   performance or functionality of such computer
   technology (including computer chip or control logic);
c) arises directly or indirectly from the Importation of any
   software virus whether the importation was malicious,
   negligent or accidental.

14. Transporting your Dirt Bike
For Damage to your Dirt Bike:
a) during the loading or unloading of your Dirt Bike onto or
    from a Vehicle or trailer; and
b) where a Vehicle carrying your Dirt Bike was being driven
    in an unsafe or unroadworthy condition of which you
    were or should have been aware; and
c) where a trailer carrying your Dirt Bike was being towed
    illegally or in an unsafe or unroadworthy condition.

15. Welding or Heat Application
For welding or any similar process involving the intentional
application of heat carried out by you to your Dirt Bike or by
a person acting with your express or implied consent.

16. For the cost of repairing old damage to your Dirt Bike.

17. Damage to your Dirt Bike caused by the Dirt Bike’s own
spontaneous fermentation or heating.

18. Theft while contained in an unlocked and unattended
Vehicle.

19. Damage where the Damage was discovered more than
thirty (30) days after the occurrence of the Damage.

20. Damage caused whilst your Dirt Bike was in use or being
operated or ridden under its own power including use for hire.

21. Any legal liability of any nature.

22. Damage occurring while the driver of the Vehicle
transporting your Dirt Bike was under the influence of drugs
or intoxicating liquor or otherwise unfit to drive a Vehicle and
you were aware of this.

23. Damage occurring while the driver of the Vehicle
transporting your Dirt Bike was not licensed to drive the
Vehicle and you were aware of this.

                               17
        GENERAL CONDITIONS OF COVER

Changes to your insurance details –

You must tell us in writing if any of the following happens
during the period of insurance:
• any accidents involving your Dirt Bike;
• any criminal convictions of you or any one else named in
    the schedule to your policy;
• changing the area where your Dirt Bike is garaged;
• modifying your Dirt Bike. “Modifying” means making
    changes to your Dirt Bike, which affect your Dirt Bike’s
    value or performance;
• any alterations to the information provided on your original
    application that has not previously been advised by you
    and confirmed by us in writing.

If you replace your Dirt Bike

If you permanently replace your Dirt Bike, we will cover the
replacement Dirt Bike subject to our standard acceptance
terms from the date of purchase, provided you give us full
written details of the replacement Dirt Bike within 14 days of
its date of purchase and pay any extra premium required.
Cover on the replaced Dirt Bike ceases from the date of
purchase of the replacement Dirt Bike.

Cancellation of the policy

a) You may cancel this policy at any time by notifying us in
   writing.
b) We have the right to cancel this policy in certain
   circumstances.
These include:
   • if you failed comply with your duty or disclosure, or
   • where you have made a misrepresentation to us
       during negotiations prior to the issue of this policy, or
   • where you have failed to comply with a provision of
       your policy, including the term relating to payment of
       premium, or
   • where you have made a fraudulent claim under your
       policy or under some other contract of insurance that
       provides cover during the same period of time that
       our policy covers you, or



                              18
    • where we agree to accept payment of premium by
        periodic instalment and at least one instalment
        remains unpaid in excess of one month from the date
        on which it was due and payable;
and we may do so by giving you three days notice in writing
of the date from which the policy will be cancelled. The
notification may be delivered personally or posted to you at
the address last notified to us.

c) If the policy is cancelled, for any period during which the
     policy has been in force, we may be entitled to keep or
     charge a pro rata proportion of the premium. If you have
     requested the cancellation, we may charge or deduct a
     cancellation fee from any refund.
In the event that you have made a claim under this policy and
we have agreed to pay the Market Value for your Dirt Bike:

• no return of premium will be made for any unused portion
  of the premium, and
• the amount of any unpaid premium for the period
  of insurance will be deducted from the amount payable
  to you.

Keeping evidence of the value of the insured property

You should keep evidence of the value of all property
covered under your insurance policy. You should also keep
evidence of the amount of any Accidental Damage
or destruction.

                    MAKING A CLAIM

1. Contact the police
You must contact the police immediately if your Dirt Bike is
stolen or maliciously damaged.

2. Inform us as soon as possible
You or your representative must contact us as soon as
possible after any accident or event, which may result in a
claim under your policy. You or your representative can do
this by contacting Arista Underwriting Agency by telephone
or by calling into one of Arista’s offices. You must give us full
details in writing by completing our claim form, which will be
supplied to you when you contact us. We may require two
repair quotes to be attached to your claim form.

                               19
Any correspondence you receive regarding the accident or
event must be sent to us immediately.

3. What happens after you make a claim

Excess:
The Excess is the amount you must pay towards the cost of
any claim under your policy. The payment of an excess helps
to keep the cost of your premium down by reducing the
number of small claims.


Authorising repairs
Before we make a decision regarding your claim and repairs
to your Dirt Bike, we may need to inspect your Dirt Bike. We
will appoint an assessor to do this. You cannot authorise
repairs to your Dirt Bike without our prior written consent.

Spare parts and accessories
We will not pay any amount greater than the manufacturer’s
last list price in Australia (together with a reasonable charge
for fitting) for the supply of any spare part or accessory which
cannot be obtained immediately, we may choose to pay you
the value of the spare part or accessory (together with a
reasonable charge for fitting) rather than supply the spare
part or accessory.

Our Rights of Recovery and Conduct of Proceedings
and Other Claims

We may have the right to recover any amount paid by Us
under this policy from other persons. We will have full control
of any claim we make to recover such payments, and the
right to pursue our claim and issue proceedings in your
name.

You and any other person entitled to cover under your policy
must give us all necessary information and co-operation we
may reasonably require.




                              20
Capital Business Centre
34-46 Brookhollow Ave Baulkham Hills NSW 2153
PMB 14, Castle Hill 1765
Tel: 1300 274 782
Fax: (02) 9899 4858
Email: mydirtbike@aristaunderwriting.com.au
Web: www.arista@aristaunderwriting.com.au

Arista Underwriting Agency is a division of ICF (Australia) Pty Ltd
ABN 75 115 419 853




                         Calliden Ltd
                         ABN 43 110 186 224
                         AFSL 284889

                 Product issued by Calliden Limited