Motor_Vehicle_Insurance_Policy

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					car insurance

policy wording and product disclosure statement for car, caravan and trailer
HBF Car Insurance offers value for money cover with a genuine focus
on local service.
Whether you’re looking to insure your car, caravan or trailer, we offer
five different types of insurance to suit your needs:
•   Comprehensive Car
•   Advantage Driver
•   Budget Policy — Fire and Theft
•   Third Party — Property Damage and Personal Injury
•   Caravan and Trailer

To help you decide which is the best cover for you, review and compare
the benefits charts on the following pages.
           Key Policy Features . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3
           Additional benefits . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 4
           Product Disclosure Statement . . . . . . . . . . . . . . . . . . . . . . 5
                   Key benefits . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 6
ConTEnTs
           Policy Introduction . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 7
                   Our agreement with You . . . . . . . . . . . . . . . . . . . . . . . . . . . . 7
           Your Duty of Disclosure . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 8
                   Important information . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 8
           Comprehensive Insurance Policies . . . . . . . . . . . . . . . 9
                   Special conditions — Advantage Driver . . . . . . 9
                   Additional benefits for
                   Comprehensive Cover . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 9
           Budget Policy — Fire and Theft . . . . . . . . . . . . . . . . . . . . 10
           Third Party Policy — Property Damage
           and Personal Injury . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 11
                   Cover for personal injury . . . . . . . . . . . . . . . . . . . . . . . . . 11
                   Additional benefits for Budget and
                   Third Party Cover . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 11
           Caravan and Trailer Policy . . . . . . . . . . . . . . . . . . . . . . . . . . . 12
                   Additional benefits . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 12
           General Exclusions. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 13
           Excess . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 14
           No Claims Bonus                                  .........................................                            15
           Claims Procedure . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 16
           Terms and Conditions . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 17
           General Insurance Code of Practice . . . . . . . . . . . . . 18
           Privacy Statement . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 19
           Key Words . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 21
    K ey p o l i c y fe a t u re s

                                                                                                                                   Budget —
                                                                                        Comprehensive         Advantage Driver                    Third Party
                                                                                                                                 Fire and Theft
       Agreed Value                                                                               ✓                 ✓                 ✓               ✗
       Open Driver cover                                                                          ✓                 ✓†                ✓               ✓
       Cover for damage to other people’s property                                                ✓                 ✓                 ✓               ✓
       New car replacement for vehicle aged up to 2 Years                                         ✓                 ✓                 ✗               ✗
       Hire car following theft or attempted theft*                                               ✓                 ✓                 ✗               ✗
       Personal Property cover                                                                    ✓                 ✓                 ✗               ✗
       Flexible payment methods                                                                   ✓                 ✓                 ✓               ✓
       21 day ‘Free Look’                                                                         ✓                 ✓                 ✓               ✓
       Only one quote in the event of a claim                                                     ✓                 ✓                 ✓               ✗
       Reduce premium by nominating drivers                                                       ✗                 ✓*                ✗               ✗
       Reduced premium by selecting a higher excess                                               ✓                 ✓                 ✗               ✗




    *Limits and Conditions apply. † Restrictions apply. An additional excess applies to non listed drivers.
    Please refer to the Policy Wording and Product Disclosure Statement for further details.


3
Additional benefits
                                                                                                                                             Budget —
                                                                           Comprehensive                 Advantage Driver                                   Third Party
                                                                                                                                           Fire and Theft
 Standard
 Legal Liability cover when using a substitute
 vehicle
                                                                                     ✓                              ✓                           ✓               ✓
 Legal costs                                                                         ✓                              ✓                           ✓               ✓
 Towing costs                                                                        ✓                              ✓                           ✗               ✗
 Trailer cover                                                                       ✓                              ✓                           ✗               ✗
 Taxi costs                                                                          ✓                              ✓                           ✗               ✗
 Emergency repairs                                                                   ✓                              ✓                           ✗               ✗
 Locks and Keys                                                                      ✓                              ✓                           ✗               ✗
 No claim bonus retained following theft/
 windscreen claims
                                                                                     ✓                              ✓                            ✗              ✗
 Optional*

 No claim bonus protection*                                                          ✓                              ✓                            ✗              ✗
 Removal of excess for windscreen/window glass
 replacement claims*
                                                                                     ✓                              ✓                            ✗              ✗
 Removal of basic excess for all claims*                                             ✓                              ✓                            ✗              ✗
 Hire car following an         accident* †                                           ✓                              ✓                            ✗              ✗




*Optional benefits if you have paid the additional required premium and they are shown on your policy schedule. †Limits and conditions apply.
Please refer to the Policy Wording and Product Disclosure Statement for further details.


                                                                                                                                                                          4
                                                      Cost of Policy                                        Comprehensive Insurance Policies
                                                      The cost of Your insurance is shown in Your           If You hold a comprehensive insurance Policy
                                                      Policy Schedule.                                      We will Cover You for:
       PRoduCT disClosuRE                             When the cost of Your Policy is calculated,           1. Theft, if Your Car is stolen
       sTATEMEnT                                      many factors are considered. The significant             and not recovered during the period
                                                      ones of which are: the Car make, model and               of insurance.
                                                      value because Car repair costs vary; the age          2. Damage, if during the period of insurance,
    The HBF Car Insurance Policy is issued by         and experience of the youngest regular driver            Your Car is Accidentally damaged and Your
    HBF Insurance Pty Ltd (ABN 11 009 268 277)        because this influences the frequency and                claim meets the conditions of the Policy.
    ‘(HBF)’. HBF is the holder of an Australian       severity of claims and where Your Car is              3. Third Party Property Damage and Personal
    Financial Services Licence (229190) as issued     kept because this influences the risk of theft           Injury.
    by the Australian Securities and Investments      of Your Car.                                          Budget Policy — Fire and Theft
    Commission (ASIC) and is authorised to            Your premium may be increased if the Car              If You hold a budget insurance Policy
    arrange and enter into contracts of general       make or model is one which is frequently              We will Cover You for:
    insurance.                                        stolen, has higher repair costs, is normally          1. Fire and theft damage, if Your
    This PDS is comprised of this document            parked in a high risk area for theft or if the           Car is damaged or destroyed as a result of
    and Your current Policy Schedule. This            age of the youngest regular driver is under              fire, theft or attempted theft.
    PDS has been designed to provide You with         25 years.                                             2. Third party property damage and personal
    the information You might need to make a          Your premium may be reduced if You are an                injury.
    decision as to whether to purchase an HBF         HBF member, if You have security fitted to Your       Third Party Policy — Property Damage and
    Car Insurance Policy. It provides information     Car or if You are entitled to a no-claims bonus,      Personal Injury
    about Your entitlements, the calculation of       Your Car is one that is stolen infrequently, does     If You hold a Third Party Insurance Policy,
    the premiums and what to do if You have any       not generally have high repair costs, is normally     We will Cover You for:
    concerns regarding the insurance Cover.           parked in a low risk area for theft or if the age     1. Your legal liability to pay for damage caused
    The Policy terms are set out in full from page    of the youngest driver is over 25 years.                 to another person’s property, resulting from:
    7 onwards.                                        If You cancel Your Policy before the expiry date         (a) the use of Your Car; or
    This PDS was prepared on 9 February 2011          shown on Your Policy Schedule, depending on              (b) goods falling from Your Car during
    and its contents come into effect from            the reason for the cancellation, We may charge               loading or unloading.
    28 February 2011.                                 an administration fee. If, after charging this        Caravan and Trailer Policy
    If You have any questions about the Cover         administration fee, the refund due to You is          The Caravan and Trailer Policy provides Cover
    available, or would like a premium estimate       less than $10 then no refund will be given.           for loss or damage to a caravan or Trailer that
    please call 133 423 or visit one of our Service                                                         is owned by You. In addition, We provide You
                                                      Policy options
    Centres. Contact details are on the back page                                                           with Cover for third party property damage and
                                                      For full details of all Policy benefits, conditions
    of this brochure.                                                                                       personal injury arising from the use of Your
                                                      and exclusions please refer to the Policy
                                                      Terms commencing on page 7.                           caravan or Trailer while it is being towed or
                                                                                                            when it becomes Accidentally detached.


5
Key benefits                                       significant risks                                  Excess
Some of the other key benefits of an HBF Car       Some significant Policy risks are outlined         An Excess is the amount which You will have to
Policy are:                                        below. However, for full details of all Policy     pay when You make a claim under Your Policy.
1. When personal property is stolen from           benefits, conditions and exclusions, please        Any Excesses which may apply to Your Policy
    Your locked Car, We will pay up to $500 for    refer to Policy Terms commencing on page 7.        will be deducted from any payments We
    any claim.                                     Key Words                                          make on Your claim. Please check Your Policy
2. Up to $500 Cover for replacing locks, keys      Certain words in this policy have specific         Schedule for full details of the Excesses that
    and electronic immobilising devices if they    meanings. These meanings are explained             have to be paid.
    are stolen.                                    on pages 21 and 22. Wherever these key             Suitability of Cover
3. Up to $50 for the cost of a taxi fare to get    words appear, they will always begin with a        The Cover provided under the Policy is subject
    You home safely if Your Car has been stolen    capital letter.                                    to certain exclusions, which may prevent
    or involved in an Accident.                    Non-disclosure                                     the insurance Policy from providing Cover in
4. New Car replacement if Your Car becomes         If You do not comply with Your duty of             certain circumstances; for example, where
    a Total Loss in its first 24 months of         disclosure, which is highlighted in Your Policy    Loss arises from acts of terrorism. Unless You
    registration and You were the first and only   Schedule and on page 8, We may be entitled to:     take the opportunity to familiarise Yourself
    registered owner.                              1. Reduce Our liability for any claim; or          with the Cover provided by reading the Policy
5. A 21-day cooling off period to give You time    2. Cancel the contract; or                         Terms commencing on page 7 and select the
    to ensure You have chosen the Policy that      3. Void the contract from its beginning if Your    appropriate options, the Cover may not meet
    best suits Your needs.                            non-disclosure is fraudulent.                   Your particular needs.
6. Following an Accident, We will Cover the        Nominated Driver — Advantage Driver                Adequate Sum Insured
    reasonable cost of towing Your Car to a        Special Conditions                                 In the event of a major Accident or if Your Car
    recommended HBF repairer.                      Your Cover is restricted to the drivers            is a Total Loss, it is important that Your Car
7. If Your Car is stolen, We will Cover the        nominated in the Policy Schedule. The              is insured for its full current market value. If
    cost for hiring a replacement Car for up       nominated drivers must:                            Your Car is under-insured You may not have
    to 14 days or $600 whichever applies first.    1. Be at least 27 years of age.                    sufficient Cover to replace it to the same
To find out more about Your Cover please           2. Hold a licence that is neither provisional or   standards in the event of a Total Loss.
read the following Policy document or call a          probationary.                                   dispute resolution procedure
Member Service Advisor on 133 423.                 3. Have no traffic or criminal convictions.        Full details of HBF’s dispute resolution
                                                   4. Have not caused or contributed to a Car         procedure are set out in the Policy Terms
                                                      Accident in the four years preceding the date   commencing on page 7.
                                                      of the insurance contract.                      For further information on insuring Your Car
                                                   5. Hold at least a 50% no claim bonus.             with HBF please call 133 423, log onto
                                                                                                      www.hbf.com.au or visit one of our Service
                                                                                                      Centres. Full contact details are set out on the
                                                                                                      back page of this brochure.



                                                                                                                                                         6
                                                          Money back guarantee
                                                          Please ensure You read this Policy and Your
                                                          Policy Schedule carefully, paying special
                                                          attention to the level of Cover selected to
       PoliCy inTRoduCTion                                ensure that the Cover is adequate and meets
                                                          Your requirements.
                                                          If You are not satisfied with Your Policy please
    our agreement with you                                call a Member Service Advisor. We may
    To be read in conjunction with Your Policy Key        agree in writing to change the Policy to meet
    Words on pages 21 and 22.                             Your needs.
    The agreement between You and Us consists of          If You advise Us within 21 days of receiving
    the following:                                        Your Policy that You are not satisfied with it,
    1. The terms set out in pages 7 to 17 of this         and You have not made a claim, We will refund
       brochure; and                                      Your premium in full.
    2. Your Policy Schedule; and
    3. Any Variation or Endorsement.
    You may pay Us either the full annual
    premium or by the payment method set out in
    the Schedule.
    Our liability is limited to the following:
    1. Period of Cover shown in Your Policy
       Schedule; and
    2. Policy type(s) set out in Your Policy
       Schedule; and
    3. Agreed value as set out in Your Policy
       Schedule unless We have agreed to pay
       more as an additional benefit.
    With Our agreement You are able to make a
    change or Variation to this Policy. We may
    introduce extra conditions to the Policy by way
    of Variation or Endorsement.
    Any Endorsements to Your Policy are shown in
    Your Policy Schedule, or on a separate notice
    We may send You.
    You or any other person entitled to Cover under
    this Policy must comply with the terms, conditions,
    exclusions, Variations and any Endorsements.

7
                                                  important information
                                                  your records
                                                  The Policy and Your Policy Schedule, Variation
                                                  or Endorsement are a record of Your Cover.
   youR duTy oF disClosuRE                        They are important documents containing
                                                  the terms and conditions which apply to Our
                                                  agreement. You may need them from time
What you must tell us                             to time and particularly when Your Policy is
When answering Our questions, You must be         due for renewal or You need to make a claim.
honest and You have a duty under law              Please retain these documents and keep them
to tell Us anything known to You, and which       in a safe place. In the event of a claim We will
a reasonable person in the circumstances,         require You to produce evidence of ownership.
would include in answer to the question. We       Please keep such evidence with Your Policy
will use the answers in deciding whether          documents in a safe place for future reference.
to insure You and anyone else to be insured       This will assist Us to deal quickly with any
under the Policy, and on what terms.              claim You may make.
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.
if you do not understand
If You do not understand Your duty of
disclosure, please contact Us.




                                                                                                     8
                                                       Excess                                              Additional standard benefits for
                                                       You must pay all applicable Excesses before         Comprehensive Cover
                                                       We are liable for any payment under this
       CoMPREHEnsivE insuRAnCE                         Policy. See page 14.                                Replacement Car
                                                                                                           If You replace Your Car, We will Cover the
       PoliCiEs                                        Maximum Payment                                     Replacement Car up to the Agreed Value
                                                       The most We will pay is the Agreed Value as         shown in Your Policy Schedule or the purchase
                                                       shown on Your current Policy Schedule.              price, whichever is the lesser, providing:
    There are two types of comprehensive
                                                                                                           1. You give Us full details of Your Replacement
    insurance policies available under this            special conditions —
    section — Comprehensive Car and Advantage                                                                 Car within 30 days of buying it; and
                                                       Advantage driver
    Driver. Both provide the same Cover as                                                                 2. The Replacement Car is acceptable to Us;
    described in this section, however Advantage       special conditions                                     and
                                                       Advantage Driver gives You access to a              3. You pay Us any required extra premium.
    Driver offers a discounted premium subject to
                                                       discounted premium if:
    the conditions set out on this page.                                                                   Emergency repairs
                                                       1. The drivers nominated in Your Policy
    Comprehensive Car and Advantage driver                                                                 We will pay up to $500 for emergency repairs
                                                          Schedule are:
    When Your Policy Schedule states Your type                                                             which are necessary to drive Your Car home
                                                          (a) at least 27 years of age; and
    of Cover is Comprehensive Car or Advantage                                                             or to the nearest place of repair following an
                                                          (b) hold licences that are neither provisional
    Driver and the premium is paid, We provide:                                                            Accident.
                                                              or probationary; and
    1. Cover under this section; and                      (c) have no traffic or criminal convictions      Hire Car after Theft benefit
    2. Cover for third party property damage and              and have not caused or contributed to a      If Your Car has been stolen or there has been
       personal injury as described on page 11.               Car Accident in the four years preceding     an attempt to steal it, and We have agreed to
    Cover for Theft                                           the date the Period of Insurance             pay Your claim, We will pay for a ‘Compact’
    We will pay You the Agreed Value of Your Car, if          commences; and                               size hire Car while:
    Your Car is stolen and not recovered during the       (d) hold at least a 50% no claim bonus.          1. Your Car remains unrecovered; or
    Period of Insurance. We will not make              2. An Undeclared Driver Excess will apply if        2. after Your Car is recovered You cannot drive
    any payments until 30 days after You tell Us of       Your Car is driven by anyone other than a           it due to damage or because repairs have
    the theft.                                            nominated driver except:                            started.
    Cover for damage                                      (a) if You prove that Your Car was used          If Your Car is deemed a Total Loss We will
    If during the Period of Insurance Your Car is             without Your consent by any person who       stop paying for the hire Car when We pay Your
    Accidentally damaged and Your claim meets                 is not a relative or friend and who does     claim.
    the conditions of this Policy, at Our option We           not usually live with You; or                Our maximum liability for this benefit is a
    will either:                                          (b) if Your Car was damaged or stolen when       maximum of 14 days or $600 inclusive of GST,
    1. Repair Your Car; or                                    being serviced or road tested by an          whichever occurs first.
    2. Pay You the costs of repairing Your Car; or            employee of a service station, garage or     We will not cover any:
    3. Pay You the Agreed Value of Your Car in the            parking station; or                          •	 	liability	which	results	from	the	use	of	the	
       event of Total Loss.                               (c) if Your Car was being used solely because       hire Car;
                                                              an emergency had arisen.                     •	 running	costs	for	the	hire	Car;	
                                                                                                           •	 Loss	or	damage	to	the	hire	Car;	
9
•	 additional	hire	costs	for	the	inclusion	of	     Taxi fares
   extras to the hire Car;                         We will pay up to $50 for the cost of a taxi
•	 insurance	excess	or	other	costs	which	          fare paid by You for transport home upon
   You may be liable for under the hire Car        discovery that Your Car has been stolen or            BudgET PoliCy
   arrangement.                                    following an Accident if Your Car was not able        — FiRE And THEFT
The deposit payment to the hire Car company        to be driven. Receipts must be produced in
is Your responsibility.                            support of any claim.
We will arrange the hire Car on Your behalf if                                                        This Policy is an alternative to the
                                                   Towing costs
You ask Us to do so. If We cannot arrange a                                                           Comprehensive Insurance Policies. When Your
                                                   We will pay the reasonable cost of protection
‘Compact’ size hire Car We will make a cash                                                           Policy Schedule states Your type of Cover is
                                                   and removal of Your Car to the nearest
settlement to You instead to the value of what                                                        Budget — Fire and Theft and the premium is
                                                   approved repairer or place of safety which We
it would have cost Us to provide the hire Car.                                                        paid, We provide Cover under this section.
                                                   have authorised after it has been damaged if
                                                                                                      In addition, We provide You with Cover for third
locks, keys and electronic immobilisers            that damage is Covered under this Policy.
                                                                                                      party property damage and personal injury as
We will pay up to $500 towards the cost            Trailer Cover                                      described on pages 11 to 12.
of replacing locks, keys and electronic            We will pay up to $500 for damage to, or
immobilisers on Your Car if they are stolen.                                                          Cover for theft
                                                   destruction or theft of, any Trailer while it is
                                                                                                      We will pay You the Agreed Value of Your Car,
new Car replacement                                attached to Your Car for Private Purposes or in
                                                                                                      if Your Car is stolen and not recovered during
If Your Car becomes a Total Loss within 24         Your possession for Private Purposes.
                                                                                                      the Period of Insurance. We will not make any
months of its original registration and You        For more comprehensive Cover for Your
                                                                                                      payments until 30 days after You notify Us of
were the first and only registered owner, We       Trailer, consider Our Caravan and Trailer
                                                                                                      the theft.
will replace it with a brand new Car of the        Policy on page 12.
same or similar make and model including on                                                           Cover for fire and theft damage
road costs, providing the Car is insured for the   optional benefits                                  If during the Period of Insurance Your Car is
full purchase price including all accessories,     Please refer to page 15 for optional benefits to   damaged or destroyed as a result of fire,
dealer’s fees and registration costs.              the comprehensive policy.                          theft or attempted theft, at Our option We will
If Your Car is under finance, You will need                                                           either:
to obtain written consent from the financier                                                          1. Repair Your Car; or
before We can replace Your Car.                                                                       2. Pay You the costs of repairing Your Car; or
                                                                                                      3. Pay You the Agreed Value of Your Car in the
Personal property
                                                                                                         event of Total Loss.
We will pay up to $500 for any claim where
Your Personal Property is stolen from Your
locked Car. Conditions apply.




                                                                                                                                                         10
                                                          compensation for bodily injury or death which        We will not pay any legal costs incurred due to
                                                          directly results from the driving of Your Car or     Your delay in notifying Us of a prior demand for
        THiRd PARTy PoliCy
                                                          a Substitute Car during the Period of Insurance.     payment of damages or of legal proceedings
        — PRoPERTy dAMAgE And                             We will pay for all legal liability claims arising   being commenced against You.
        PERsonAl injuRy                                   from any one event under this Policy.
                                                                                                               Additional benefits for Budget and
                                                          We will also Cover You for Your legal liability
                                                          for bodily injury or death which arises from         Third Party Cover
     When Your Policy Schedule states Your Cover          the use of a caravan or Trailer whilst a caravan     other drivers and passengers
     either includes or is limited to Third Party         or Trailer is being towed by, or becomes             We will Cover as outlined on page 11 any other
     Property Damage and Personal Injury and the          Accidentally detached from, Your Car or a            person driving Your Car with Your permission
     premium has been paid, We provide Cover              Substitute Car during the Period of Insurance        for legal liability if they are not Covered by any
     under this section.                                  (refer to Maximum Payment).                          other insurance and were licensed to drive
     Cover for property damage                            We will not pay:                                     Your Car. Passengers who are in Your Car
                                                          1. If Your liability is Covered or indemnified by    with Your consent are also Covered under this
     1. We will Cover You for Your legal liability
                                                             any statutory compulsory insurance or fund        Policy for their legal liability.
        to pay for Accidental damage caused to
        another person’s property when the damage            or Accident compensation scheme; or               substitute Car
        occurs during the Period of Insurance and         2. If Your Car or Substitute Car was not             We will Cover You for legal liability as outlined
        directly results from:                               registered under relevant laws; or                on page 11 arising from using a Substitute Car
                                                          3. For Your liability to any:                        but We will not Cover You if another insurance
        (a) the driving of Your Car; or
                                                             (a) person in control of Your Car; or             policy (not one that You have entered into)
        (b) goods falling from Your Car during
                                                             (b) of Your employees; or                         Covers the same legal liability.
            loading or unloading of Your Car.
                                                             (c) member of Your family, or person with         We will not pay:
     We will pay for all legal liability claims arising                                                        For Loss or damage to the Substitute Car itself.
     or resulting from any Accident or series of                 whom You usually reside.
                                                                                                               Employer Cover
     Accidents which result from any one event            Conditions for property and                          We will Cover Your employer, principal or
     under this Policy including legal costs incurred
                                                          personal injury liability                            partner as outlined on page 11 for legal
     with Our consent for which You are legally liable
                                                          Maximum payment                                      liability for Accidental damage caused to
     (refer to Maximum Payment).                                                                               another person’s property during the Period
     We will not pay for Loss or damage to                The most We will pay is $20,000,000 in relation
                                                                                                               of Insurance involving Your Car if You use Your
     property which at the time the claim arises:         to any claim including legal costs. This limit
                                                                                                               Car on their behalf and they are not Covered by
     1. You own or which is in Your possession,           applies to this and any other Policy You hold
                                                                                                               any other insurance policy.
        custody or control; or                            with Us.
                                                                                                               Caravan and Trailer Cover
     2. Belongs to or is in the possession, custody       legal costs                                          We will Cover You as outlined on page 11 for
        or control of Your relatives or friends who       We will pay all legal costs in relation to Your      Your legal liability arising from the use of a
        usually reside with You.                          claim incurred with Our written consent or           caravan or Trailer whilst the caravan or Trailer
                                                          which may be ordered to be paid by You in            is being towed by, or becomes Accidentally
     Cover for personal injury
                                                          respect of any legal action defended with Our        detached from, Your Car or a Substitute Car
     We will Cover Your legal liability to pay
                                                          written consent.                                     during the Period of Insurance.
11
damage caused by an                                                                                 Maximum payment
uninsured motorist                                                                                  The most We will pay is the Agreed Value for
We will Cover You for damage to Your Car if                                                         Loss or damage caused by Accident, fire or
it is damaged during the Period of Insurance        CARAvAn And                                     theft.
provided that:                                      TRAilER PoliCy                                  Additional benefits
1. The damage to Your Car exceeds the sum of
                                                                                                    If You take out a Caravan and Trailer Policy,
   all applicable Policy Excesses; and
                                                 This Policy provides Cover for Loss or damage      We will pay:
2. The collision involved another Car; and
3. The other Car is being driven by an           to Your caravan or Trailer specified in the        damage or loss of contents
   uninsured driver; and                         Schedule. When Your Policy Schedule states         Up to $3,000 for Loss or damage of the contents
4. The Accident is reported to the Police; and   Your type of Cover is caravan and Trailer and      of Your caravan or any annexe attached to it if the
5. The Police agree that the Accident was the    the premium is paid, We will provide Cover         Loss or damage is caused by:
   sole fault of the other driver; and           under this section.                                1. Fire.
6. You give Us the name and address of the       In addition, We provide You with Cover for third   2. Theft.
   other driver and the registration number of   party property damage and personal injury          3. Overturning, collision or impact of Your
   the other Car involved.                       arising from the use of Your caravan or Trailer       caravan whilst it is being towed.
The most We will pay under this additional       as described on pages 11 to 12.                    We will not provide cover for theft of Personal
benefit is $3,000.                               Cover for theft                                    Property from your Trailer.
                                                 We will pay You the Agreed Value of Your           Emergency accommodation
                                                 caravan or Trailer, if it is stolen and not        Up to $200 for the cost of emergency
                                                 recovered during the Period of Insurance. We       accommodation if:
                                                 will not make any payments until 30 days after     1. Your caravan is being used personally by You
                                                 You notify Us of the theft.                           for the purpose of a holiday journey; and
                                                 Cover for accident, fire or theft                  2. Your caravan suffers damage which is
                                                 If, during the Period of Insurance, Your caravan      Covered by the Policy; and
                                                 or Trailer is damaged or destroyed as a result     3. As a result of that damage Your caravan is
                                                                                                       rendered unable to continue that holiday
                                                 of an Accident, fire or theft, at Our option We
                                                                                                       journey.
                                                 will either:
                                                 1. Repair Your caravan or Trailer; or              Towing costs
                                                 2. Pay You the costs of repairing Your caravan     The reasonable cost of protection and removal
                                                    or Trailer; or                                  of Your caravan or Trailer to the nearest
                                                 3. Pay You the Agreed Value of Your caravan or     approved repairer or place of safety which We
                                                    Trailer in the event of Total Loss.             have authorised after it has been damaged if
                                                                                                    that damage is Covered under this Policy.
                                                 Excess
                                                 You must pay all applicable Excesses before
                                                 We are liable for any payment under this Policy.

                                                                                                                                                          12
                                                            10. Caused or incurred whilst You or any              12. Caused whilst either Your Car or any caravan
                                                                person with Your consent was driving or in            or Trailer being towed by it was carrying
                                                                charge of Your Car, and:                              more passengers than the legal limit and/or
                                                              (a) was under the influence of intoxicating             greater than its legal load limit.
                                                                  liquor and/or drugs; or                         13. Caused whilst Your Car was being used
        gEnERAl ExClusions                                    (b) in connection with the relevant Accident,           in connection with an illegal act or for an
                                                                  was subsequently convicted of or issued             unlawful purpose by a person driving Your
     These general exclusions apply to ALL                        with an infringement notice for:                    Car with Your consent.
     sections of each Policy.                                     (i) driving under the influence of alcohol      14. Intentionally caused by You or a person
     We will not pay for Loss, damage, injury or                        and/or drugs; or                              acting with Your express or implied consent.
     legal liability:                                             (ii) driving with a blood alcohol               15. Whilst You or any person with Your consent
     1. Arising from the cost of replacement of any                     percentage exceeding that permitted           is driving Your Car and is not authorised
        part or accessory exceeding the Australian                      by the law of the State or Territory in       under all relevant laws to drive Your Car.
        manufacturer’s or franchise dealers’ last                       which the Accident took place; or             However, in the case of someone other
        issued catalogue price or list price of such              (iii) refusing to provide or allow the              than You driving Your Car, Your Cover under
        part. We will not pay the cost of fabrication                   taking of a sample of breath, blood           this Policy will not be prejudiced if You did
        or freight in respect of any part.                              or urine for preliminary testing or for       not know and could not reasonably have
     2. Caused by or arising from depreciation, wear                    analysis as required by the law of that       known at the time when Your consent was
        and tear, rust, corrosion, structural, mechanical               State or Territory for the purpose of         given that the driver was not so authorised.
        or electrical breakdown or failure of Your Car.                 ascertaining blood alcohol percentage.    16. Whilst Your Car, is being driven by any
     3. Arising from damage to Your Car’s tyres by              In the case of someone other than You                 person with Your consent; and
        application of brakes or by road punctures,             driving or being in charge of Your Car,               (a) that person has been refused Car
        cuts or bursts.                                         Your Cover under this Policy will not be                  insurance, continuance of insurance
     4. Caused by lack of maintenance or repair.                prejudiced if You prove that You did not                  or had special terms imposed by an
     5. Arising from structural and inherent defects            know or could not reasonably have known                   insurance company; and
        in Your Car or Your caravan or Trailer.                 that the driver was affected in the manner            (b) You knew or reasonably ought to have
     6. Caused by Your Car, if Your Car was not                 described in sub-paragraphs (a) or (b) (i)                known of such refusal of insurance,
        registered under the relevant laws or is                and (ii) of this exclusion.                               continuance or imposition of special
        unroadworthy or unsafe at the time the Loss         11. Caused as a result of the seizure or                      terms.
        or damage was incurred.                                 confiscation of Your Car where:                   17. Caused whilst Your Car was being used
     7. Arising from failure to adequately secure               (a) an entitlement to seizure or confiscate           or tested in preparation for racing,
        Your Car against Loss or damage including:                  arises and the seizure or confiscation            pacemaking, a reliability or navigational
        (a) when Your Car had broken down; or                       is done by or on behalf of the person             trial, rally (except social rally), speed hill
        (b) following an Accident or fire.                          entitled to do so; or                             climbing or similar test, trial or race.
     8. If Your Car is stolen whilst not registered             (b) the seizure is performed by or on behalf
        under relevant laws.                                        of a person or organisation with a
     9. That arises from, or as a consequence of                    security interest in Your Car.
          Loss or damage to Your Car.


13
18. Caused whilst Your Car is by you or With       27. Directly or indirectly caused by, contributed   Age Excess
    your consent for financial reward:                 to, resulting from or arising out of or in      An age excess is applicable in addition to all
    (a) let on hire;                                   connection with, any act of Terrorism           other excesses, when Your Car is being driven
    (b) being used in the course of carrying           regardless of any other cause or event          by, or is in the charge of, any person aged
        passengers;                                    contributing concurrently or in any other       under 25 years.
    (c) being used as a courier or delivery            sequence to the Loss.
                                                                                                       undeclared driver Excess
        vehicle; or                                28. Directly or indirectly arising out of or
                                                                                                       If Your type of Cover is Comprehensive
    (d) being used for driving tuition.                resulting from asbestos in whatever form
                                                                                                       Motor, Budget — Fire and Theft or Third Party
19. Caused or incurred outside Australia.              or quantity.
                                                                                                       Policy — Property Damage and Personal Injury,
20. Directly arising from the failure of any
                                                                                                       You will have to pay an Excess of $500 when
    computer, data processing equipment,
                                                                                                       Your Car is being driven by an Undeclared
    microchip or integrated circuit to recognise
                                                                                                       Driver under 27 years of age.
    a date change (including leap year
                                                                                                       If Your type of Cover is Advantage Driver You
    calculations).
                                                                                                       will have to pay an Excess of $1,000 when Your
21. Which arises because You:                         ExCEss                                           Car is being driven by an Undeclared Driver
    (a) are liable in contract; or
                                                                                                       under 27 years of age or $500 if Your Car is
    (b) accept liability without Us
                                                   An Excess is the amount You are required to         being driven by an Undeclared Driver aged 27
        agreeing to it.
                                                   contribute towards Your claim.                      years or over.
22. For which the right to claim has been
                                                                                                       Undeclared Driver Excesses are in addition to
    abolished or limited by any Australian law.    You will be required to pay all applicable          all other Excesses.
23. Consisting of or arising from penalties,       Excesses in the event of a claim before We are
    fines, punitive, exemplary or liquidated       liable for any payment under this Policy.           imposed Excess
    damages.                                                                                           Where shown on Your Policy Schedule You will
                                                   There are five types of excess. The excesses        have to pay an additional imposed Excess.
24. From the use or transportation, loading,       applicable to You are outlined in Your Policy
    unloading or storage of gas, explosives,                                                           This may be required in cases where We would
                                                   Schedule.                                           otherwise have not accepted Your application
    flammable, radioactive, combustible or
    corrosive materials, poisons or toxic          Basic Excess                                        for insurance.
    chemicals or fuel products unless there        An amount You have to contribute towards
                                                   each claim, unless You have paid an additional
                                                                                                       no Fault – no Excess
    has been strict compliance with all relevant
    laws, regulations and standards.               premium to remove it.                               You will not be required to pay an excess in
25. From war or warlike activities.                                                                    relation to a claim if:
                                                   voluntary Excess
26. Caused by radioactivity or the use or                                                              1. We agree the accident that led to the claim was
                                                   For a reduction in Your insurance premium
    existence or escape of any nuclear material                                                           entirely the fault or intentionally caused by:
                                                   You can choose to have a Voluntary Excess.             (a) the driver of the other car; or
    or thing.                                      This is a further amount which You will have to        (b) another person; and
                                                   contribute towards Your claim and the amount        2. You can advise the name and address of that
                                                   will be shown on Your Policy Schedule.                 driver or other person; and
                                                                                                       3. You can provide the registration number of
                                                                                                          the car at fault.

                                                                                                                                                            14
                                                           3. The claim was solely for windscreen or         maximum of 14 days or $600 inclusive of GST,
                                                              window glass replacement and/or repairs.       whichever occurs first.
                                                           lifetime no claim bonus protection                We will not cover any:
                                                           This benefit protects Your no claim bonus for        l
                                                                                                             •	 	 iability	which	results	from	the	use	of	the	
        no ClAiM Bonus                                     the lifetime of Your insurance with HBF if You       hire Car;
                                                           qualify for the benefit and if You continue to    •	 running	costs	for	the	hire	Car;	
                                                           purchase no claim bonus protection.               •	 Loss	or	damage	to	the	hire	Car;
     A no claim bonus provides You with a reward for                                                            a
                                                                                                             •	 	 dditional	hire	costs	for	the	inclusion	of	
                                                           You qualify for lifetime no claim bonus
     good driving. It is a discount We give You off Your                                                        extras to the hire Car;
                                                           protection at the point when for the previous 3
     Policy premium when You have a claim-free year
                                                           years You:                                           i
                                                                                                             •	 	nsurance	excess	or	other	costs	which	
     as a Comprehensive Policy holder. The discount
                                                             (a) have held comprehensive car insurance          You may be liable for under the hire Car
     for successive claim-free years increases until it
                                                                 with HBF;                                      arrangement.
     reaches a maximum level of 60%.
                                                             (b) have held the maximum no claim bonus; and   The deposit payment to the hire Car company
     When You make a claim under this Policy, Your
                                                             (c) have not made an at-fault claim.            is your responsibility.
     no claim bonus will reduce or be removed at
                                                           Under lifetime no claim bonus protection You
     the renewal date of Your Policy, as follows:                                                            We will arrange the hire Car on Your behalf if
                                                           retain Your maximum no claim bonus even if
     1. 60% no claim bonus will reduce to 50%;                                                               You ask Us to do so. If We cannot arrange a
                                                           You make multiple at-fault claims.
     2. 50% no claim bonus will reduce to 40%;                                                               ‘Compact’ size hire Car We will make a cash
     3. 40% no claim bonus will reduce to 30%;                                                               settlement to You instead to the value of what
     4. 30% no claim bonus will reduce to nil.                                                               it would have cost Us to provide the hire Car.
     When making Your application for insurance                                                              no claim bonus protection
     You may be required to provide written proof of          oPTionAl BEnEFiTs To THE
                                                                                                             This allows You to make one claim in any Period
     Your previous no claim bonus entitlements.               CoMPREHEnsivE PoliCy                           of Insurance without affecting Your no claim
     Faultless no claim bonus                                                                                bonus. In order to purchase this option you
     We will not reduce Your no claim bonus                If You have selected and paid for any of the      must hold a no claim bonus of at least 60%.
     entitlement at renewal of this Policy, if You have    following options they will be shown on Your      Basic Excess Buyout
     made a claim during the last year providing:          Policy Schedule.                                  You will not be required to pay a Basic Excess
     1. You can satisfy Us that the Accident that
                                                           Hire Car after accident benefit                   for all claims under this policy. In order to
        led to the claim was entirely the fault of or
                                                           If Your Car has been involved in an Accident      purchase this option the regular driver of the
        intentionally caused by:
                                                           and We have agreed to pay Your claim, We will     Car must be over 25 years of age and not be
        (a) the driver of another Car; or
                                                           pay for a ‘Compact’ size hire Car while Your      subject to an Imposed Excess.
        (b) another person; and
        (c) You can advise the name and address of         Car is damaged as a result of the Accident        Removal of Excess for Windscreen claims
            the other driver; and                          and You cannot drive it due to the damage or      This allows unlimited windscreen and window glass
        (d) You can provide the registration number        because repairs have started.                     repairs and replacements without being required to
            of the Car at fault; or                        If Your Car is deemed a Total Loss We will stop   pay any Basic Excess or Voluntary Excess.
     2. The claim was a result of theft or attempted       paying for the hire Car when We pay Your claim.   This option is not required if You have
        theft; or                                          Our maximum liability for this benefit is a       purchased the Basic Excess Buyout.
15
                                                   10. Assist with any investigation of the          Fraudulent claims
                                                       circumstances of any claim.                   If You or anyone acting on Your behalf or with
                                                   11. Not admit, deny or negotiate any claim with   Your knowledge or involvement make a claim
                                                       any person without Our prior consent or       knowing or reasonably suspecting it to be
   ClAiMs PRoCEduRE                                    approval.                                     false or fraudulent, payment of the claim may
                                                   Repair conditions                                 be refused and Your Policy may be cancelled.
                                                   Within the manufacturers standard new Car         Making a fraudulent claim is a criminal
The procedure                                                                                        offence and may be referred to the Police for
                                                   warranty period:
As soon as possible after an incident occurs                                                         further investigation.
                                                   If Your Car is covered under the manufacturers
which may result in a claim under this Policy,
                                                   standard new car warranty (not including an       other insurances
You must:
                                                   extended warranty period) we will only use        You must:
1. Take all reasonable steps to prevent or
                                                   manufacturers approved parts in repairing         1. Tell Us if You can make a claim under any
   minimise further Loss, damage or liability.
                                                   Your Car. In the event that the part is a            policy of insurance with another insurer that
2. Take all reasonable precautions to obtain
                                                   windscreen or window glass then Australian           Covers You for any of the Loss or damage
   recovery of property lost.
                                                   standard compliant parts may be used.                or legal liability for which You have claimed
3. Notify Us and the Police immediately if
                                                   Outside manufacturers standard new car               under this Policy.
   Your property is stolen or maliciously or
                                                   warranty:                                         2. Provide Us with all documents, information
   intentionally damaged.
                                                   We may use new, recycled or reconditioned            and assistance which We may need to
4. Notify Us immediately if Your stolen property
                                                   parts when repairing cars which are no longer        recover a proportion from that other insurer.
   is recovered.
                                                   covered under the manufacturers standard new      Total loss
5. Complete and submit a claim form for
                                                   car warranty. Recycled or reconditioned parts     When We make payment to You of the Agreed
   Our consideration within 30 days, with full
                                                   will only be used if the parts are equal to or    Value as shown in Your Policy Schedule or
   particulars of Your Loss including details of
                                                   exceed the quality of the part being replaced.    pay the total replacement cost of Your Car or
   any party who may be responsible.
6. Give Us details of other persons who may        subrogation                                       caravan or Trailer, the Cover on that insured
   have an insurable interest in the Loss.         We may take over the conduct of any defence       property will be terminated and no refund of
7. Provide Us with all additional information      or settlement of any action brought in Your       premium will apply. If We pay You the Agreed
   and help which We may reasonably require        name. Furthermore, subject to the provisions      Value of Your Car, the salvage or recovered Car
   to process Your claim.                          of the Insurance Contracts Act 1984, We           becomes Our property and You warrant that
8. Assist Us to recover in Your name any           may prosecute in Your name any claim for          You are the rightful owner of Your Car. If You
   amount paid by Us to You from the person        indemnity or damages.                             pay Us by instalments, any unpaid instalments
   who caused You to suffer the Loss or            We have full and absolute discretion in the       (either overdue or not yet due) will be deducted
   damage.                                         conduct of any legal proceedings or in the        from the Agreed Value.
9. Provide Us with an opportunity to inspect       settlement of any claims.
   any Loss or damage before You have repairs
   carried out.


                                                                                                                                                        16
     Claim settlements under                                                                              We may retain a portion of the premium which
     gsT legislation                                                                                      relates to the period for which You have been
     If You are registered for GST and are claiming                                                       insured.
     an Input Tax Credit Entitlement (ITCE) in                                                            We shall refund the balance, less any
     respect of this Policy, it is Your obligation to      TERMs And CondiTions                           administration fees, for the unexpired Period
     inform Us of Your ITCE no later than the time                                                        of Insurance.
     of settlement of any claim under this Policy.                                                        This refund will be made providing no event
     Where settlement of any claim is made in           Reasonable care and precautions                   has occurred for which a claim may be made
     cash, Your ITCE will be taken into account in      You must take all reasonable steps to             or for which liability may arise under this Policy.
     determining the settlement amount payable.         safeguard, protect and maintain Your Car in       By Us
     Where You have failed to inform Us of Your         good condition.                                   We may cancel this Policy at any time as
     ITCE or have understated Your ITCE, You            Alteration of risk                                allowed by law by notifying You in writing of
     may have a GST liability in respect of any         You must notify Us as soon as possible of any     the date from which the cancellation is to take
     settlement made under this Policy.                 change which may affect the state, condition,     effect. Notification will be delivered to the
                                                        safety or use of Your Car and which increases     address last notified to Us and will take effect
                                                        the risk of Loss, damage or liability. We shall   no earlier than 4.00pm on the date set out in
                                                        not be liable for the Loss, damage or liability   the cancellation notice. We will retain a portion
                                                        caused by or constituted by such alteration,      of the premium which relates to the period
                                                        unless and until We agree in writing to Cover     for which You have been insured and We shall
                                                        the alteration of risk and You pay any            refund the balance for the unexpired period.
                                                        additional premium required. Your sum
                                                        insured may be altered by agreement between
                                                        You and Us.
                                                        joint insured
                                                        If more than one person is named as the
                                                        insured in Your Policy Schedule, We will treat
                                                        any statement, act, omission or claim
                                                        made by any one of those persons as a
                                                        statement, act, omission or claim made by all
                                                        of those persons.
                                                        Transfer of interest
                                                        No interest in this Policy may be transferred
                                                        without Our written consent.
                                                        Cancellation
                                                        By You
                                                        You may cancel this Policy at any time.

17
                                                    the matter be referred to Our Internal Disputes
                                                    Resolution process, where a Senior Manager
                                                    with delegated authority will review the
   gEnERAl insuRAnCE CodE                           original decision. This process will normally be
   oF PRACTiCE                                      completed, and a final decision made, within
                                                    15 working days and will involve no cost to You.
                                                    All correspondence should be addressed to:
We have adopted the General Insurance
                                                    Manager - Dispute Resolution
Code of Practice which is aimed at improving
                                                    HBF
standards within the insurance industry. The
                                                    GPO Box C101 PERTH WA 6809
Insurance Council of Australia, insurance
                                                    or by facsimile on 9265 8895.
companies, consumer groups and the Federal
Government jointly developed the Code. The          We would like to advise You that the Financial
Code deals with Your right as a consumer to         Ombudsman Service is available to resolve
receive communications from Us promptly and         disputes relating to claims and
in plain language.                                  non-claim matters, where You remain
In addition the Code aims to improve claims         dissatisfied. This organisation provides a free
handling and dispute resolution; the quality,       service to all policyholders and will be able
comprehension and accuracy of Policy                to resolve most complaints regarding Your
documents and other information provided            dispute, through the Review Panel of the
to consumers.                                       Financial Ombudsman Service. They can be
                                                    contacted toll free on 1300 780 808 or
What to do should you have any concerns
                                                    email info@fos.org.au. Alternatively you may
HBF is continually looking for ways to serve
                                                    wish to seek your own advice on this matter.
You better. We are happy to assist You with any
information You require or hear from You about
any concerns You may have.
Should You have any concerns We encourage
You to discuss the matter with the employee
who handled Your application or claim.
If Our employee is not able to resolve Your
concerns, You can contact the Claims Manager
(in the case of a claim) or the Manager Product
Services (in the case of a concern with Your
application or existing Policy). This review will
be conducted within 15 working days.
If Your concerns have not been resolved to Your
satisfaction, We encourage You to request that

                                                                                                       18
                                                        The information We may collect                     How HBF will use and disclose
                                                        Usually We will collect details of Your name,      your information
                                                        address, age, telephone number, facsimile          HBF uses personal information to provide You
                                                        number, or email address.                          with comprehensive service in relation to its
        PRivACy PoliCy ovERviEW                         We often hold information, which relates           products and services. We may use, and if
                                                        to how You choose to pay for products and          necessary disclose, Your personal information:
                                                        services (particularly where We have a regular     •	In	connection	with	arrangements	You	make	
     Ensuring your Privacy                              direct debit arrangement), which may include         to pay Your premium (for example with Your
     At HBF We respect the privacy of Your personal     bank account details and credit card details. If     employer or a financial institution);
     information and are committed to ensuring          payments are made under a payroll deduction        •	To	a	hospital	or	medical	practitioner	when	
     that its security remains protected. We are        scheme, We may hold information about Your           You are or have been a patient of that
     bound by the National Privacy Principles           employer. We also keep information about             hospital or medical practitioner;
     (NPPs) set out in the Privacy Act 1988.            payment history.                                   •	To	decide	whether	to	issue	a	general	
     HBF’s collection of personal information           HBF may collect and hold information and             insurance policy, and if so, on what terms,
     We collect Your information when We accept         details about Your driving record, prior             and to assist Us in managing any claim made
     an application for an HBF product, and We may      insurance claims, medical history, criminal          by You;
     collect further personal information whilst You    history, and whether You have been refused         •	When	providing	a	certificate	of	currency	to	
     hold an HBF product. We will generally collect     insurance or had an application accepted on          financial institutions (at Your request or with
     Your personal information during a face-to-        special terms.                                       Your consent);
     face interview, over the telephone, through an     If You make a claim in relation to Your            •	To	an	external	consultant	dealing	with	the	
     online form or by way of a paper based form        insurance, We may need to collect sensitive          assessment or investigation of claims and
     (including application forms).                     information from third parties about the             the Insurance Reference Bureau;
     Some personal information is deemed to be          matter. When You make the claim, You consent       •	In	relation	to	travel	insurance	applications	to	
     sensitive information. We will treat sensitive     to Us collecting related sensitive information       medical assessors; and
     information with particular care.                  directly from those third parties or, if the       •	In	relation	to	travel	insurance,	to	a	travel	
     Consent                                            information relates to someone other than You        agent or overseas travel helpline.
     By applying for a product including a cover        covered by the insurance, You give consent on      When You make a claim, You also give Your
     note or quote with HBF, You are taken to           behalf of that person and You confirm that You     consent to the relevant member of the HBF
     agree:                                             have authority to do so.                           Group of Companies (HBF Group) sharing
     •	 To	the	collection	by	HBF	of	Your	personal	                                                         Your personal information (including sensitive
        information in connection with Your product.                                                       information) with other members of the
     •	 That	Your	personal	information	can	be	used	                                                        HBF Group for the purpose of preventing
        or disclosed by Us as contemplated in this                                                         and detecting fraudulent or invalid claims or
        Privacy Statement.                                                                                 misrepresentation, which would cause loss to
     •	 To	Us	transmitting	Your	personal	information	                                                      the HBF Group.
        overseas where the transmission is directly
        related to Your product.
19
Members of the HBF Group may also share             may have consequences in relation to any
and use this information for the purpose of         insurance policy You hold or claims under it.
providing You with material, such as articles       Accessing your information
and information about other products and            In most circumstances You have a right to
services that may be of interest to You. You        access any personal information, which We
may request not to receive such information by      collect and hold about You. Please contact
contacting Us. Please allow five working days       Us if You wish to access Your personal
for Your request to be actioned.                    information. We may deny Your request in
HBF has a range of obligations under the            some circumstances and if We do this, We will
Insurance Contracts Act 1984 and related            tell You why. Further details on the way We
regulations that impact on its collection and       handle personal information are in Our Privacy
disclosure of personal information. In effect,      Policy, which is available at www.hbf.com.au
these require HBF to maintain records, report       or on request by calling a Member Service
to regulatory authorities, and to meet various      Advisor on 133 423.
requirements in relation to providing general
insurance. We are obliged to maintain certain       Privacy Complaints
transaction records and make those records          If You wish to complain about any breach or
available for inspection by the Australian          potential breach of this Privacy Statement,
Prudential Regulation Authority (APRA). HBF         Our privacy policy or the NPP’s, You should
may also need to make certain information           contact Us.
and records available to other regulatory bodies,   Contact details
auditors, actuaries, the Financial Ombudsman        HBF Privacy Officer
Service and Our agents, representatives, services   GPO Box C101
providers and contractors. We will disclose this    Perth WA 6809
and any other information as required by law.       Phone: 133 423
if you do not wish to provide information           Your complaint will be responded to within
We may not be able to meet Your insurance           seven days. We will use Our best endeavours
needs if You do not provide Us with personal        to resolve any complaint to Your satisfaction,
information, which We require. There are            however, if You are unhappy with Our response,
requirements under the Insurance Contracts          You may contact the Office of the Privacy
Act 1984 that You disclose to HBF all               Commissioner.
material information, and information which         Contact details
a reasonable person in the circumstances,           Office of the Privacy Commissioner
would consider material. This may require You       GPO Box 5218
to provide personal information in relation to      Sydney NSW 2001
an insurance product You hold with HBF, which       Phone: 1300 363 992

                                                                                                     20
                                                        When used in this Policy ‘Your Car’ means the        Policy
                                                        Car, caravan or Trailer (as the                      The contract of insurance between You and Us.
                                                        case may be) described on Your Policy                It consists of the terms set out in pages 7 to 17
                                                        Schedule including:                                  of this brochure and Your Policy Schedule, any
        KEy WoRds                                       1. Standard equipment and accessories                Variation or Endorsement and the Policy Key
                                                           attached to or built into the Car fitted by the   Words on pages 21 and 22.
                                                           original manufacturer.                            Personal Property
     Certain words in this Policy have specific         2. Standard tools supplied by the manufacturer       Means any:
     meanings. These meanings are explained                of the Car or similar substitutes for them
     below. Wherever these Key Words appear they                                                             1. Items of clothing; or
                                                           providing they are in or attached to the Car.     2. Tools or accessories not included in the
     will always begin with a capital letter.           3. Children’s safety capsules, seats or restraint       definition of Your Car, but excluding tools of
     Accident (al) (ally)                                  harnesses that are contained in the Car.             trade used in Your business or occupation; or
     An event which was neither expected nor            4. Non-standard equipment and accessories            3. Sporting equipment; or
     intended by You.                                      which are specified in the Schedule               4. Other items of a personal nature not
     Adjustment note                                       (modifications can only be specified in              including cash, credit cards, jewellery or
     A note that We may issue to reflect a Variation.      the Schedule under a Comprehensive                   mobile telephones and accessories.
     Once it is issued, this note then becomes Your        Insurance Policy) and where the claim
     Policy Schedule.                                                                                        Private Purposes
                                                           relates to a Substitute Car or Replacement
                                                                                                             When Your Car is used by You or by any person
     Agreed value                                          Car means that Car where applicable.
                                                                                                             with Your consent:
     The value of Your Car agreed between You and       Cover (ed)                                           1. For private, social and pleasure purposes; or
     Us which is specified in Your Policy Schedule.     The protection provided by this Policy.              2. In connection with Your business or
     Approved security device                           Endorsement                                             occupation, provided that the business
     Any security device which has been approved        Any written alteration or addition to this Policy.      or occupation is not as a taxi, courier or
     by HBF including government approved                                                                       delivery driver or driving instructor.
     immobilisers.                                      Excess
                                                        The amount that You have to pay towards the          Replacement Car
     Car                                                amount of any claim under this Policy. The           A Car You purchase if it meets the
     A vehicle that is designed to:
                                                        types of Excesses are explained on page 14           requirements specified on page 9.
     1. Travel by road.
                                                        and the amount of Your Excess(es) is set out in      schedule
     2. Use volatile spirit, methane gas, oil,
                                                        Your Policy Schedule.                                The Schedule of Insurance or Adjustment
        electricity or any other power (not being
        human or animal power) as its principal         loss                                                 Note issued by Us that forms part of Your
        means of propulsion except where the car        Loss, damage or destruction to Your Car.             insurance contract and shows Your Policy
        is a caravan or Trailer; and                    Period of insurance                                  number together with details of Your Cover
     3. Carry passengers or goods, but does not         The Period of Insurance that is stated in Your       and premium.
        include a motorcycle, an omnibus, a train       Policy Schedule.
        or a car with a carrying capacity exceeding
        two tonnes.

21
substitute Car
A registered Car that You do not own that You
are driving due to Your Car not being able to be
driven (but does not include a hire Car).
Terrorism
Means any threat or use of force by any person
or group of people which is done for, or in
connection with, political, religious, ideological
or similar purposes to influence any government
and/or put any section of the public in fear.
Total loss
When the costs to repair Your Car together
with the salvage value exceed the Agreed Value.
Trailer
Means a single axle box trailer. When Your
Policy Schedule states that Your type of Cover
is caravan and Trailer and the premium is paid.
Your Trailer means the Trailer as described on
page 12 and Your Policy Schedule.
undeclared driver
A driver whose details do not appear in Your
Policy Schedule.
variations
Any Variation(s) to this Policy that We have
agreed to.
We, us or our
HBF Insurance Pty Ltd ABN 11 009 268 277.
you or your
The insured named in the Schedule.




                                                     22
Telephone Enquiries 133 423   Metropolitan Branches           Karrinyup                    Regional Branches
Mon to Fri: 8am to 6pm        Perth                           Karrinyup Shopping Centre*   Albany
Saturday: 9am to 12pm         96 William Street               Mandurah                     21 Albany Highway
                              Belmont                         32 Pinjarra Road             Telephone 9845 7000
hbf.com.au
                              Belmont Forum Shopping Centre   Midland                      Bunbury
Head Office                                                   18/53 The Crescent           12 Arthur Street
                              Booragoon
125 Murray Street Perth                                                                    Telephone 9722 6300
                              Garden City Shopping Centre*    Morley
GPO Box C101 Perth 6809                                       Galleria Shopping Centre*    Busselton
                              Cannington
                                                                                           2/90-92 Queen Street
                              Carousel Shopping Centre*       Rockingham
 HBF Branch Hours                                                                          Telephone 9781 1800
                              Fremantle                       Rockingham City
 Mon to Fri: 9am to 5pm                                       Shopping Centre              Geraldton
                              82 High Street                                               Northgate Shopping Centre
*Saturday: 9am to 12.30pm
                              Hillarys                        Subiaco                      Telephone 9920 8200
                              Whitford City Shopping Centre   513 Hay Street
                              Innaloo                         Success
                              Innaloo Shopping Centre         Cockburn Gateway
                                                              Shopping Centre
                              Joondalup
                              115 Grand Boulevard




                                                                                                                  GI–137 28/02/11

				
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