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Accidental loss or damage to your car resulting from fire (includes bushfires).

We will pay for amounts you are legally liable to pay as compensation for damage to other people’s property that:

• Results from an accident that is your fault; and
• Was caused by or arises out of the use of your car, or your trailer or caravan attached to your car at the time of the accident.

For more information, read the Car Insurance Product Disclosure Statement.

If your claim is payable for theft of or damage to your car and it is a total loss within the first 24 months of the starting date of its original registration, we will, provided that you are the first registered owner or the car was a dealer demonstrator model when you bought it:

• replace your car with a new car of the same make and the same or most similar specification if available in Australia;
• include the same or similar additional accessories shown in your Certificate of Insurance; and
• pay the applicable on road costs (transfer fees, stamp duty, dealer delivery costs, registration and Compulsory Third Party insurance) of the new car.

If your car is stolen, we will organise a hire car for you or reimburse the reasonable cost of you hiring a car.

This cover contributes to the cost of hiring a replacement car until the stolen car is recovered (and repaired if necessary) or replaced or we pay the claim for the theft. The cover pays up to $50 per day for up to 14 days.

We will pay up to $1,000 to cover the costs of any accidental loss or damage to a trailer or caravan that occurs while it's attached to your car. Note that we do not cover caravans, motorhomes, trailer or campervans by themselves.

We will pay up to $500 for essential repairs to restore your car to a roadworthy and safe condition so that you may drive to your intended destination.

We will pay for loss or damage to your car caused whilst it is being transported (including loading and unloading, and by road, rail, ship or air) between any places in Australia. We will also pay your contributions towards any general average and shipping charges where maritime conditions apply.

We will pay up to $500 for accidental loss, theft or damage to personal property. This only covers loss or damage to personal items designed to be worn or carried, such as clothing, a hand-bag, or sports bag, in your car at the time of the event.

We do not cover:

• Mobile devices - e.g. mobile phones, laptops, tablets, portable game machines, musical and photographic devices, equipment, tools and/or items used in connection with a business, trade or occupation;
• Cash, credit cards or cheques;
• Negotiable documents connected with business use, including any trade, business or occupation;
  
• Property carried in or a trailer or caravan.

We will pay up to $500 for the cost of replacing child seats, baby capsules and prams that were in the car that were damaged or stolen.

We will pay up to $500 for your accomodation and travel if you are more than 200km from your home and your car cannot be driven.

If your keys are stolen, we will pay up to $1,000 to replace or recode your car's locks and keys. This benefit is only payable if the customer reports the theft to the police, and if the keys were not stolen by a family member, invitee or person who resides with you. Your policy's basic excess will apply to any claim submitted for this benefit.

We will cover the reasonable costs of towing a damaged car to the nearest safe and secure place. It also covers the reasonable costs of towing your damaged car to an approved repairer.

This benefit applies if:

• Your car was damaged in an accident caused by another person;
• The other person does not have insurance cover for damage caused to third-party property;
• You did not cause or contribute to the accident;
• The other car and/or person can be identified (through name, address and registration number of the car) and you provide these details to us; and
• You provide the registration number of the other car involved.

We will only pay the damage that was apportioned to the uninsured’s third party’s negligence, and up to the lesser of $3,000 or the market value of your car.

If your car cannot be driven due to a valid claim and you are involved in an accident while using an uninsured registered substitute car which you have legal use of, we will provide you with legal liability cover in relation to the substitute car while your car is being repaired.

This benefit does not cover:

• Any loss of or damage to the substitute car
• Accidents where the substitute car is the subject of a hire agreement or owned by you

We will repair or replace the cost of your front windscreen glass if it’s accidentally damaged. Plus, you’ll pay no excess for the first front windscreen claim.

We will pay up to $50 per day, up to the period shown in your Certificate of Insurance, for your rental vehicle if your car is stolen or needs repair after an insured event.

Get 24/7 emergency Roadside Assist, 365 days a year. The mobile mechanics team will help you with problems like empty fuel tanks, breakdowns, flat batteries and tyres. Click here for more information.