[PDF] Top 20 Motor Vehicle Insurance. Product Disclosure Statement

... Each time you renew your insurance your premium is likely to change, even if your personal circumstances have not changed. This is because premiums are affected by other things such as our expenses of doing ... See full document

... car insurance provides you with the peace of mind that comes from knowing that not only are you properly covered but also that you will have our great experience working for you in resolving what needs to be done ... See full document

... this insurance or renew your policy for another period of insurance, you have 21 days to consider the information in your ...your insurance within 21 days from the day cover began or was ...this ... See full document

... Australian Unity exists to serve its clients. It is the way we conduct our business now as one of Australia’s leading financial services institutions, and the way we have conducted our business for more than 175 years. ... See full document

... This unique Charter was drawn up through consultation with our staff, our customers and industry regulators, and is reviewed annually. Compliance with our promises is independently audited every year and the results are ... See full document

... – motor cycle helmets, gloves, or associated riding clothes up to a total of $500 (if We pay a claim covering Your motorcycle) – mud flaps – paint protection – panel/rust protection – pin striping – decals – ... See full document

... Agreed value is the most we will pay for your bike, less any excess and any other deductions this policy explains, for any accidental loss and damage covered by this policy occurring during the period of cover. The ... See full document

... the product but it is not a Bank. This product is not a deposit or other liability of ANZ or its related group companies and none of them stands behind or guarantees the ... See full document

... the insurance, to help you choose the right cover, to calculate your premium, to allow us to administer the policy, for product development and to provide you with information about other products and ... See full document

... The PDS is issued by QBE Insurance (Australia) Limited on behalf of the Insurers. QBE and OnePath Life take full responsibility for the contents of the whole of this PDS. The information in this PDS may change ... See full document

... At each renewal, we will review and adjust your sum insured, taking into account trends in building costs and the cost of rebuilding the home. This may help reduce the risk of any potential under-insurance of the ... See full document

... If an incident we cover causes loss or damage to your boat and you need to take immediate action to deal with an emergency situation. For example, your motor stops working after the propeller hits a rock that’s ... See full document

... The cost of your policy is made up of your premium plus government taxes such as GST, stamp duty and fire service fees and may also include a fee for the issue of documentation depending on whether or not you purchased ... See full document

... We’ll take ownership of your car, and we’re entitled to any salvage value it has, unless its credit provider has those entitlements. Salvage value includes the entitlement to any refund of your car’s unused registration ... See full document

... If you would like to make a complaint or access our internal dispute resolution service please contact your nearest QBE office and ask to speak to a dispute resolution specialist. If you are not happy with our answer, or ... See full document

... If you would like to make a complaint or access our internal dispute resolution service please contact your nearest QBE office and ask to speak to a dispute resolution specialist. If you are not happy with our answer, or ... See full document

... The Insurance Contracts Act 1984 (Cth) requires that any information that we seek must be collected by a specific ...the Insurance Contracts Act 1984 (Cth) to tell us anything known to you, and which a ... See full document

... this insurance cover, and we agree to accept the risk, you need to make a few decisions about the insurance cover that you ...this insurance is right for ... See full document

... a vehicle similar to your vehicle immediately before the loss or damage, taking into account its make, model, age, kilometres travelled and ...accepted motor vehicle valuation guide used by ... See full document

... The cost of cover depends on your age, gender, smoking status and your chosen level of sum insured, which must be in multiples of $50,000. Note: A smoker is classed as a person who has smoked any substance within the ... See full document