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 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;
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.
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
Everyday Roadside Assist services and support are provided by our Allied Service Provider - Digicall Assist Pty Ltd (ABN 92 152 605 340). This includes roadside assistance as an optional service product to your Everyday Insurance Comprehensive Car policy or as a standalone product. Before you purchase the product you should carefully read the Roadside Assist Terms and Conditions to decide if this product is right for you.
Benefits are subject to the terms and conditions including the limits and exclusions of the insurance policy. Any advice provided is general only and may not be right for you. Before you purchase this product you should carefully read the Car Insurance Product Disclosure Statement and consider the Target Market Determination to decide if it is right for you.