This ConTraCT is arranged By:
automotive Global insurance Pty limited
aFs licence no. 239678, aBn 43 093 891 573
customer service 02 9877 0300 or 1800 001 611
Tyre and Rim
16-18 Bridge street,
epping nsW 2121
www.automotiveglobal.com.au Policy DocuMent
(ProDuct Disclosure stateMent)
QBe insurance (australia) limited
aBn 78 003 191 035 of 82 Pitt street, sydney.
share to grow
About this booklet
This booklet contains a Product Disclosure Statement
(PDS). The PDS is designed to assist you to make informed
choices about your insurance needs. The PDS contains
information about costs, our dispute resolution system,
your cooling off rights and other relevant information,
including other rights, Terms and Conditions of the Policy,
including the exclusions and obligations attaching to this
product. Please read this booklet carefully.
Other documents may form part of the PDS. Any such
documents will be dated and will include a statement
identifying them as part of the PDS. If any changes or
corrections need to be made to the PDS a Supplementary
PDS may be provided. In either case the relevant document
will be provided to you with the PDS.
Our agreement with you
The Policy Terms and Conditions and the Policy Schedule
form the legal contract between you and us. You pay
us the premium, and we provide you with the cover you
have chosen as set out in the Policy, during the period of
insurance shown on your Policy Schedule or any renewal
period. Please keep them in a safe place for future
The Policy Schedule contains details of your cover that are
personal to you. It may contain information that changes
the Term and Conditions of your Policy such as, options
that you have selected or special conditions that we have
This Policy is for a three (3) year period and renewal will
not be offered.
The exclusions in the section(s) headed ‘When you are not
covered’ and conditions in the section headed ‘General
conditions’ apply to all types of cover.
The excesses set out in the section headed ‘What you
must pay if you make a claim – Excess’ apply to all claims
except where otherwise stated. The amount of any excess
that applies to your Policy will be shown on your Policy
If you require further information about this product, please
contact AGI on 02 9877 0300 or 1800 001 611.
Date of preparation: 1 November 2009
Date effective: 1 November 2009
About QBE Australia
QBE Insurance (Australia) Limited is a member of the QBE
Insurance Group (ASX: QBE). QBE Insurance Group is
About this booklet 1
Australia’s largest international general insurance and
reinsurance group, and one of the top 25 insurers and About Automotive Global Insurance Pty Ltd (AGI) 2
reinsurers worldwide. The company has been operating
in Australia since 1886 and continues to provide industry-
Product Disclosure Statement (PDS) for
leading insurance solutions that are focused on the needs Tyre and Rim Insurance 4
of intermediaries and their clients. Insurer 4
QBE is a household name in Australian insurance, backed Cover Available 4
by sizeable assets, and well known as a strong and Significant risks 4
financially secure organisation. Duty of Disclosure – What you must tell us 5
About Automotive Global Insurance Pty Ltd (AGI) The General Insurance Code of Practice 7
Automotive Global Insurance Pty Ltd (AGI) (ABN 43 093
How to make a claim 7
891 573 AFSL 239678) is an underwriting agency that
specialises in providing motor insurance and related Dispute resolution 7
insurance products to the general public. Cooling-off information 8
AGI has a binding authority from QBE to issue, vary and Providing proof 8
dispose of this insurance as if it were the insurer. Other party’s interests 8
If you need more information about this insurance How you can pay your premium 8
in the first instance, contact AGI on 02 9877 0300 or Paying your premium 8
1800 001 611.
Preventing our right of recovery 9
How Goods and Services Tax affects
any payments we make 9
Terms and Conditions 11
Words with special meanings 11
Eligibility Info 12
Section 1: Cover for your tyres and rims 12
Section 2: Additional Benefits 14
General conditions 18
Changing your Policy 18
Other interests 18
Cancelling your Policy 18
PRODuCT DISCLOSuRE STATEmEnT (PDS) fOR Non-Renewable Policy
TyRE AnD RIm InSuRAnCE This policy is not renewable. The period of insurance is
stated on your Policy Schedule
The Policy is underwritten by QBE Insurance (Australia) Duty of Disclosure – What you must tell us
Limited, ABN 78 003 191 035, AFS Licence No. 239545 of Under the Insurance Contracts Act 1984 (the Act), you
82 Pitt Street, Sydney. have a Duty of Disclosure. The Act requires that before a
You should keep your Policy Booklet and Policy Schedule Policy is entered into, you must give us certain information
together in a safe and convenient place for future reference. we need to decide whether to insure you and anyone else
to be insured under the Policy, and on what terms. Your
In arranging and ef fecting this Policy, Automotive Duty of Disclosure is different, depending on whether this
Global Insurance Pty Ltd (AGI) (ABN 43 093 891 573 is a new Policy or not.
AFSL 239678) will be acting under authority given to it
by the QBE. It will be acting as agent of QBE, not as your New business
agent. Where you are entering into this Policy for the first time (that
is, it is new business and is not being, varied, extended or
Cover Available reinstated) you must tell us everything you know and that a
We offer two choices of cover for your tyres and rims: reasonable person in the circumstances could be expected
to tell us, in answer to the specific questions we ask.
• Silver cover, or
• Gold cover. When answering our questions you must be honest.
We also offer Additional Benefits cover for towing, car hire • Who needs to tell us
and accommodation expenses. It is important that you understand you are answering
our questions in this way for yourself and anyone else
Significant risks whom you want to be covered by the Policy.
Your cover choice selected may not be adequate or an • If you do not tell us
exclusion may apply which can affect how much we pay
If you do not answer our questions in this way, we may
you or if we pay you at all.
reduce or refuse to pay a claim, or cancel the Policy. If
We may refuse to pay or reduce the amount we pay under you answer our questions fraudulently, we may refuse to
a claim if you do not comply with the Policy conditions, if pay a claim and treat the Policy as never having worked.
you do not comply with your Duty of Disclosure, or if you
make a fraudulent claim. Variations, extensions and reinstatements
Once your Policy is entered into and is no longer new
The Cost of this insurance Policy business then your duty to us changes. You are required
The total premium is the amount we charge you for this before you vary, extend or reinstate your Policy, to tell us
insurance Policy. It includes the amount which we have everything you know and that a reasonable person in the
calculated will cover the risk, and any taxes and government circumstances could be expected to know, is a matter
charges. The premium and any taxes and government that is relevant to our decision whether to insure you, and
charges will be shown on your Policy Schedule. anyone else to be insured under the Policy, and if so, on
When calculating your premium we take a range of rating
factors into account such as the cover choice requested by • You do not have to tell us about any matter
you and the type and age of your vehicle, tyres and rims. – that diminishes the risk
We will tell you when you apply what premium is payable, – that is of common knowledge
when it needs to be paid and how it can be paid.
– that we know or should know in the ordinary course
The premium payable will be clearly set out in the Policy of our business as an insurer, or
– which we indicate we do not want to know.
• If you do not tell us The General Insurance Code of Practice
If you do not comply with your Duty of Disclosure we QBE Insurance (Australia) Limited is a signatory to the
may reduce or refuse to pay a claim or cancel your General Insurance Code of Practice. The Code aims to:
Policy. If your non-disclosure is fraudulent we may
• promote more informed relations between insurers and
treat this Policy as never having worked.
Privacy • improve consumer confidence in the general insurance
Privacy legislation regulates the way private sector
organisations can collect, use, keep secure and disclose • provide better mechanisms for the resolution of
personal information. We are bound by the Privacy Act complaints and disputes between insurers and their
1988 (Cth.), when collecting and handling your personal customers; and
• commit insurers and the professionals they rely upon
explains what sort of personal information we hold about
to higher standards of customer service.
you and what we do with it.
We will only collect personal information from or about you
How to make a claim
for the purpose of assessing your application for insurance
and administering your insurance policy, including any Please contact AGI on 02 9877 0300 or 1800 001 611 to
claims you make or claims made against you. We will only make a claim. We will only accept responsibility for repairs
use and disclose your personal information for a purpose or payments to third parties under a claim where you have
you would reasonably expect. told us about them beforehand and we have accepted your
claim. Full details of what you must do for us to consider
We may need to disclose personal information to our your claim are provided at the end of this booklet.
reinsurers (who may be located overseas), insurance
intermediaries, insurance reference bureaux, credit
reference agencies, our advisers and those involved in the
claims handling process (including assessors, investigators We will do everything possible to provide a quality service
and other insurers), for the purposes of assisting us and to you. However, we recognise that occasionally there may
them in providing relevant services and products, or for the be some aspect of our service or a decision we have made
purposes of recovery or litigation. We may disclose personal that you wish to query or draw to our attention.
information to people listed as co-insured on your policy and
We have a Complaints and Dispute Resolution Procedure
to family members or agents authorised by you. Computer
which undertakes to provide an answer to your complaint
systems and support services may be provided to us by
within 15 working days.
related companies within the QBE Group that may be located
overseas. We may also disclose information to organisations If you would like to make a complaint or access our internal
which conduct customer service surveys on our behalf. We dispute resolution service please contact your nearest QBE
will request your consent to any other purpose. office and ask to speak to a dispute resolution specialist.
By providing your personal information to us, you consent If you are not happy with our answer, or we have taken
to us making these disclosures. Without your personal more than 15 working days to respond, you may take your
information we may not be able to issue insurance cover complaint to the Financial Ombudsman Service (FOS), an
to you or process your claim. ASIC approved external dispute resolution body.
You also have the opportunity to find out what personal FOS resolves cer tain insurance disputes between
information we hold about you and, when necessary, consumers and insurers and will provide an independent
correct any errors in this information. Generally we will do review at no cost to you. QBE is bound by the determination
this without restriction or charge. For further information of FOS but the determination is not binding on you.
personal information, please contact The Compliance We will provide the contact telephone number and address
Manager, QBE Insurance (Australia) Limited, GPO Box 82 of the FOS office upon request.
Sydney NSW 2001. Telephone: (02) 9375-4656 or email:
Cooling-off information Preventing our right of recovery
If you want to return your insurance after your decision to If you have agreed not to seek compensation from another
buy it, you may cancel it and receive a full refund. To do person who is liable to compensate you for any loss,
this you may notify AGI electronically or in writing within damage or liability which is covered by this Policy, we
30 days from the date the Policy commenced. will not cover you under this Policy for that loss, damage
This cooling off right does not apply if you have made or are
entitled to make a claim. Even after the cooling off period
ends, you still have cancellation rights however we may How Goods and Services Tax affects any payments
deduct certain amounts from any refund for administration we make
costs or any non-refundable taxes.
The amount of premium payable by you for this Policy
includes an amount on account of the GST on the premium.
When we pay a claim, your GST status will determine the
So that your claim can be assessed quickly you should amount we pay.
keep the following:
When you are:
• receipts or other confirmation of purchase of your
vehicle or any accessories, and (a) not registered for GST, the amount we pay is the sum
insured/limit of liability or the other limits of insurance
• all service and repair records. cover including GST.
We may ask you for these if you make a claim. You must (b) registered for GST, we will pay the sum insured/limit
be able to prove to us that you have suffered a loss that is of liability or the other limits of insurance and where
covered by this Policy before we will pay you for it. you are liable to pay an amount for GST in respect of
an acquisition relevant to your claim (such as services
Other party’s interests to repair a Damaged item insured under the Policy) we
will pay for the GST amount.
You must tell us of the interests of all parties (e.g. financiers,
owners, lessors) who will be covered by this insurance. We We will reduce the GST amount we pay for by the amount of
will protect their interests only if you have told us about any input tax credits to which you are or would be entitled
them and we have noted them on your Policy Schedule. if you made a relevant acquisition. In these circumstances,
the Input Tax Credit may be claimable through your
How you can pay your premium Business Activity Statement (BAS).
You can pay your premium: You must advise us of your correct Australian Business
Number and Taxable Percentage.
• in one payment, or
Any GST liability arising from your incorrect advice is
• it can be included in your financing arrangement for payable by you.
Where the settlement of your claim is less than the sum
If you include the premium in your financing arrangement, insured/limit of liability or the other limits of insurance cover,
the premium will be included in the total cost payable by we will only pay an amount for GST (less your entitlement
you plus interest for the full length of the finance term - for Input Tax Credit) applicable to the settlement. This
irrespective of when this insurance cover commences or means that if these amounts are not sufficient to cover your
the term of the cover being shorter than the financing term. loss, we will only pay the GST relating to our settlement
of the claim.
Paying your premium If, after we have assessed your claim, you are required
You must pay your premium by the due date, if it has not to enter into a contract with a third party to replace or
been included in your financing arrangements. If we do not reinstate lost or damaged items that we have agreed to
receive your premium by the due date or your payment is pay under this Policy, you will enter into that agreement
dishonoured then this Policy will not operate and there will with the third party as our agent unless advised otherwise.
be no cover under this Policy.
Words with special meanings
We will (where relevant) pay you on your claim by reference TERmS AnD COnDITIOnS
to the GST exclusive amount of any supply made by any
business of yours which is relevant to your claim. Words with special meanings
GST, Input Tax Credit (ITC), Business Activity Statement Some key words used in this Policy have a special meaning.
(BAS) and Acquisition have the same meaning as given
Wherever the following words are used in the Policy, they
to those expressions in A New Tax System (Goods and
mean what is set out below:
Services Tax) Act 1999 and related legislation as amended
from time to time.
Taxable Percentage is your entitlement to an Input Tax
In your policy some words have a special meaning (whether
Credit on your premium as a percentage of the total GST
expressed in the singular or the plural) and we define
on that premium.
Word or Expression Meaning
Cover plan The cover plan you have
chosen and which is shown on
your Policy Schedule.
Period of insurance The period of 3 years between
the dates shown on the Policy
Policy Schedule The Schedule of insurance or
any endorsement schedule we
Rims The wheel rims fitted to your
vehicle which you have told us
about and which are described
in the Policy schedule, or any
replacement wheel rims similar
to the rims described in the
Policy Schedule which are
fitted to your vehicle during the
period of insurance.
Rim damage Damage to your rims caused
by impact from the road or
from a kerb during the period
of insurance and which makes
the rim un-roadworthy, or
results in it failing to seal as a
result of cracking or warping.
Rim damage does not mean
cosmetic damage such as
scratching, denting or any
other cosmetic damage which
merely affects how the rim
Tread wear indicator The bar across the base of the
tread that shows when a tyre
has reached its minimum legal
Words with special meanings/Section 1 Section 1
– rim is accidentally physically damaged or warped as
Word or Expression Meaning
a result of a blowout or as a result of it being driven
Tyres The tyres fitted to your vehicle over potholes, kerbs, or other road debris
which you have told us about
and which are described in including the costs of any parts and labour, in the event
the Policy schedule, or any that the tyre suffers tyre damage and/or rim damage during
replacement tyres similar to the the period of insurance.
tyres described in the Policy
Schedule which are fitted to Silver Cover
your vehicle during the period The most we will pay if you have selected Silver cover is:
• $350 for each tyre for each incident in which a tyre
Tyre damage damage to your tyres, caused suffers tyre damage up to 2 tyres per year
by impact from the road or
from a kerb , or any accidental • $1,000 for each rim for each incident in which a rim
cuts or punctures during the suffers rim damage up to 1 rim per year
period of insurance.
• $5,100 in total for all claims for tyre or rim damage
Vehicle The vehicle described in the during the period of insurance, including any additional
Policy schedule. benefits payable.
We, Our or Us QBE Insurance (Australia)
Limited, ABN 78 003 191 035 Gold Cover
The most we will pay if you have selected Gold cover is:
You, or Your The person(s), companies or
firms named on the Policy • $800 for each tyre for each incident in which a tyre
Schedule as the ‘Insured’. suffers tyre damage up to 2 tyres per year
• $1,500 for each rim for each incident in which a rim
Eligibility Info suffers rim damage up to 1 rim per year
To be eligible for Tyre and Rim Cover you must:
• $9,300 in total for all claims for tyre or rim damage
• have comprehensive car insurance. Comprehensively during the period of insurance, including any additional
insured means motor vehicle insurance referred to benefits payable.
as Comprehensive Cover. This provides cover for
accidental loss of or damage to your vehicle (not limited Policy comes to an end
to fire and theft). plus cover for your legal liability to
The Policy ends, and we stop paying claims on the earliest
third parties for damage to their property arising from
of any of the following:
the use of your vehicle.
• have a vehicle that is less than 6 years in age. • If you sell or dispose of your vehicle.
• have a vehicle that is less than 3,500 kilograms Gross • If your vehicle is declared a total loss by your insurer
Vehicle Mass. and you are paid the market or agreed value, or if you
are supplied with a replacement vehicle, this policy will
come to an end and you will no longer have any tyre
Section 1: Cover for your tyres and rims or rim cover. This means that you will not be entitled
We offer two types of cover for your tyres and rims – Silver to make any further claim under this policy and:
and Gold. The type of cover you have selected is shown
on the Policy Schedule. • where the premium has been paid in full for the period
of insurance there will be no refund of any premium, or
• We will cover your tyres and rims in Australia for their
repair or replacement, if the tyre or rim cannot be • where the premium is paid any other method, we are
repaired to a roadworthy standard if your: entitled to deduct from any claim paid or payable,
the balance of the unpaid premium or instalments of
– tyre is accidentally punctured, damaged or suffers a premium.
blowout as a result of it being driver over potholes,
nails, screws, kerb, glass or other road debris
Section 1/Section 2 Section 2
• The benefit limit for all claims for your cover choice is Your will need to organise and pay for the hire car. We are
exhausted; not responsible for ensuring that a hire car is available. You
must also give us a copy of the rental agreement and any
• The premium is not received;
receipts for the hire car before we will pay you.
• The expiry date shown on the policy schedule;
If the cost of the hire car is more than the maximum daily
• The date we receive a written request from you to rate shown above you will ahve to pay the difference.
terminate the insurance;
We do not pay for:
• The date give when we provide you with written notice
• additional hiring costs
to terminate the insurance in accordance with relevant
legislation; or • running costs, including the costs of fuel
You may be entitled to a partial refund of premium. You • damage to the hire car
should refer to the section of this wording - Cancelling your
• any insurance, insurance excess or other costs you
Policy - Refund of Premium.
may be liable for under the hire car rental agreement.
In the event of a claim The maximum amount we will pay is $120 for any one claim.
Contact AGI as soon as possible on 02 9877 0300 or
1800 001 611 or contact the Dealer from whom you Accommodation –
purchased your vehicle. If as a result of tyre damage and/or rim damage your vehicle
is immobilised or un-driveable, and the vehicle is more than
Section 2: Additional Benefits 100kms from the address where it is normally parked at
night, we will contribute to your accommodation expenses.
If you make a claim under Section 1 and we agree to pay
your claim, we will also give you the following additional We will not pay if you had intended to pay for overnight
benefits: accommodation in any event.
These amounts are included in the maximum amounts The maximum amount we will pay is $120 for any one claim.
General exclusions - when you are not covered
Towing – These general exclusions apply to all cover under this
If your vehicle is not driveable as a result of tyre damage Policy.
and/or rim damage, we will pay for the reasonable costs of:
This Policy excludes loss, damage, destruction, death,
• towing your vehicle to the repairer nearest to where it injury, illness, liability, cost or expense of any nature directly
was damaged, or or indirectly caused by, contributed to by, resulting from,
arising out of or in connection with any of the following,
• any other place that we first approve. regardless of any other cause or event contributing
The most we will pay under this Additional benefit is $140 concurrently or in any other sequence to the loss:
for any one claim. 1. War, invasion, acts of foreign enemies, hostilities
or war-like operations (whether war be declared or
Car Hire – not), civil war, rebellion, revolution, insurrection, civil
If your vehicle not driveable as a result of tyre damage commotion assuming the proportions of or amounting
and/or rim damage, and it remains un-driveable for more to an uprising, military or usurped power, or
than 3 consecutive days, we will contribute $40 per day
2. Any act(s) of terrorism that is directly or indirectly
for a maximum of 3 days to the reasonable cost of hiring
caused by, contributed to by, or in any way involves
a similar vehicle while your tyres or rims are undergoing
or is connected with biological, chemical, radioactive,
repair, but we will not pay if the delay in carrying out repairs
or nuclear pollution or contamination or explosion.
or replacement of your tyres or rims is due to any delay or
inaction on your part. For the purpose of this exclusion, an act of terrorism
includes any act, or preparation in respect of action, or
threat of action designed to influence the government
Section 2 Section 2
de jure or de facto of any nation or any political division • fire, lightning, earthquake, windstorm, explosion,
thereof, or in pursuit of political, religious, ideological theft, sabotage, vandalism, freezing, riot, hail, flood
or similar purposes to intimidate the public or a section or impact and any negligence, abuse, or misuse in
of the public of any nation by any person or group(s) respect of the tyre or rim
of persons whether acting alone or on behalf of or in
loss or damage to your tyres or rims that is a result of:
connection with any organisation(s) or government(s)
de jure or de facto, and which: • a motor vehicle collision or from scratching or denting
• involves violence against one or more persons, or • being fitted to a vehicle used for trials, races, rallies,
sporting events or similar activities
• involves damage to property, or
• being driven on any beach, 4 wheel drive track or
• endangers life other than that of the person
committing the action, or
• by scratching or bruising
• creates a risk to health or safety of the public or a
section of the public, or • the application of brakes resulting in a flat spot
• is designed to interfere with or to disrupt an electronic • previous repairs, other than the repair of punctures
• being used when the tyre or rim is in an unsafe
3. Radioactivity or the use, existence or escape of any condition, and you knew or should have known that
nuclear fuel, nuclear material, or nuclear waste or the tyre or rim was unsafe to use
action of nuclear fission or fusion.
• being driven on a road that is not regularly maintained
This Policy also excludes any loss, destruction, damage,
death, injury, illness, liability, cost or expense of any nature • being fitted to a vehicle that exceeds 3,500 kgs gross
directly or indirectly caused by, contributed to by, resulting vehicle mass or fitted to a vehicle which has been
from or arising out of or in connection with any action taken modified from the manufacturer’s original specifications
in controlling, preventing, suppressing, retaliating against, and such modification causes the damage
or responding to or in any way relating to 1, 2 or 3 above.
• being fitted to a vehicle that is used as a taxi, courier,
emergency vehicle purposes, carrying passengers for
Additional exclusions applying to this Policy hire or reward, driver instruction or tuition for reward
or fast food delivery
This Policy does not cover:
loss or damage to your tyres or rims caused by: • being fitted to a vehicle that is overloaded or used to
tow in excess of the manufacturer’s recommendations
• faulty design or manufacture or any inherent defect,
fault or failure including when the steering, geometry • damage other than through road impact damage, kerb
or tracking of the vehicle to which the tyre or rim impact damage and accidental cuts
is fitted does not comply with the manufacturer’s • being fitted to a vehicle which has a suspension or
recommendation, or is otherwise defective shock absorber failure or defect
• the fitting of a non-original component other than a • the depth of tread on any part of the tyre surface being
component fitted, supplied and warranted by your below any tread wear indicator
• the tyre or rim being considered un-roadworthy in
• continued use of a damaged part and you not having accordance with the relevant state transport authority
the damaged part repaired after a fault occurs standards.
• failure to follow manufacturer’s recommendations or This Policy also does not cover:
other proper maintenance procedures including but
not limited to ensuring that appropriate tyre pressures • loss or damage to your tyres or rims which are racing
are maintained at all times tyres or rims, re-treaded tyres or space saver tyres
• oxidation, dry rot, corrosion, flat spots or where the • loss or damage which is otherwise covered by a
tyre has been used extensively as a run-flat tyre manufacturer’s or dealership warranty
Section 2/General conditions General conditions/Claims
• faulty or bad workmanship occurring during the repair, • We will give you this notice in person or send it to your
maintenance, alteration, modification, or overhaul of address last known to us.
the tyre or rim
• non damaged rim for the purpose of matching a set of
rims or tyres We will refund to you the proportion of the premium for the
remaining period of insurance if the premium has not been
• any increase in cost above the manufacturer’s last exhausted (see ‘Policy comes to an end’).
published price list for replacing any damaged tyre or
rim that is no longer available
• normal maintenance, alignment and par ts and
Any notice we give you will be in writing, and it will be
consumables required for such maintenance of your
tyres and rims
• if it is delivered to you personally, or
• any costs or expenses incurred due to a manufacturer’s
recall of the tyre or rim due to any defect, fault or failure • if it is delivered or posted to your address last known
• any consequential loss of any nature.
It is important for you to tell us of any change of address
as soon as possible.
Changing your Policy Claims
If you want to make a change to this Policy, the change What you must do after an incident
becomes effective when:
If an incident happens which may give rise to a claim you
• we agree to it, and must:
• we give you a new Policy Schedule detailing the change. • take all reasonable steps to secure your vehicle to
prevent further loss, damage or liability
Other interests • notify the police immediately if your vehicle or any of
your property is stolen or maliciously or intentionally
You must not transfer any interests in this Policy without
our written consent.
• tell Automotive Global Insurance (AGI) on 02 9877 0300
Any person whose interests you have told us about and or 1800 001 611 as soon as possible. We will provide
we have noted on your Policy Schedule is bound by the you with a claim form and advice on what to do
terms of this Policy.
• supply AGI with all information we require to settle or
defend the claim
Cancelling your Policy
• notify AGI of any other insurance covering the same
How you may cancel this Policy loss, damage or liability
• You may cancel this Policy at any time by advising AGI • give AGI all reasonable help and information that we
on 02 9877 0300 or 1800 001 611 or by telling us in request, which may include attending court to give
writing that you want to cancel it. evidence. You must do this even if we have paid your
• Where ‘you’ involves more than one person, we will claim because we may try to recover our payment to
only cancel the Policy when a written agreement to you from the responsible person or we may want to
cancel the Policy is received from all persons named defend a claim made against you
as the insured. • co-operate with AGI fully in any action AGI take if AGI
have a right to recover any money payable under this
How we may cancel this Policy Policy from any other person
• We may cancel this Policy in any of the circumstances • send to AGI immediately any letter or communication
permitted by law by informing you in writing. from other parties
• tell AGI immediately of any notice of impending
prosecution or details of any inquest or official inquiry.
If in doubt at any time, ring AGI on 02 9877 0300 or
1800 001 611.
What you must NOT do after an accident
In the event of an incident that may give rise to a claim,
you must NOT:
• admit liability if an accident occurs which is likely to
result in someone claiming against you
• make an offer, settlement, promise or payment
• incur any costs or expenses without our written consent,
in respect of any right or claim which may be the subject
of a claim by you against us under this Policy.
What We do
We may take over and conduct the defence or settlement
of any claim or issue legal proceedings for damages. If we
do this we will do it in your name. We have full discretion
in the conduct of any legal proceedings and in the
settlement of any claim. You must co-operate by giving
us any statements, documents or assistance we require.
This may include giving evidence in any legal proceedings.
What can affect a claim
We will reduce the amount of a claim by the excess shown in
the Policy Terms and Conditions or on the Policy Schedule.
We may refuse to pay a claim if you are in breach of your
Duty of Disclosure or any of the conditions of this Policy,
including any endorsements noted on or attached to the
We pay only once for loss or damage from the same event
covered by this Policy even if it is covered under more than
one section of the Policy.
We may be entitled to refuse to pay or to reduce the amount
of a claim if:
• it is in any way fraudulent, or
• any fraudulent means or devices are used by you or
anyone acting on your behalf to obtain any benefits
under this Policy.
If we replace your tyres and/or rims and is insured, they
become our property.