AAMI Caravan Insurance Policy
Our commitment to you & Important general information
Our commitment to you
If your caravan has been damaged or stolen, or someone is claiming against you, please phone us immediately so that we can take away the stress and hassle by taking care of everything for you. Call 13 22 44. We are here to help you 24 hours a day, every day of the year. Please retain this policy booklet so you can refer to it if required.
Important general information
You can contact us:
By phone: Call 13 22 44 (24 hours a day, 7 days a week).
Via the Internet: www.aami.com.au
By mail: PO Box 14180, Melbourne City Mail Centre, Victoria 8001.
In person: Call 13 22 44 for the address of the closest AAMI branch or customer service centre.
When we quote you a premium
When we quote you a premium for insuring your caravan, the factors we take into account include:
the make and model and the age and value of your caravan,
our experience of claims frequency and repair costs for caravans of that age, make and model,
whether the caravan is on-site or mobile,
the insured address (the address where your caravan is normally left overnight),
your insurance history,
the frequency of your instalments,
the type of any finance arrangement affecting your caravan.
Government taxes and charges are included in the premium we quote.
An excess may be payable on any claim you make on this policy.
See page 20 for further details.
Paying your premium
The notices we issue at the commencement and each renewal of your policy show the various payment methods available to you.
A change to your policy details (for example change of address, change of caravan or modifications) may affect the premium you need to pay for the remainder of your period of cover. If a refund is payable we will send you a cheque or credit your account, less our reasonable charge for administrative and processing costs. Any extra premium needs to be paid by you within 14 days. If you do not pay the additional premium, we may reduce your period of cover to correspond with the amount you have already paid.
Paying by instalments
You may also be eligible to pay in regular instalments by direct debit. The total premium we charge is higher when you pay in instalments than when you pay one sum annually.
Your responsibilities when paying by instalments
When paying by instalments:
you must be an authorised signatory on the account nominated for your direct debit payments,
you must ensure that your nominated account can accept direct debits and has sufficient funds to meet each payment at each due date,
your financial institution may also apply its own fees (including dishonour fees). Those fees are your responsibility.
What happens if your instalment remains unpaid?
AAMI may cancel your policy without notice if an instalment payment remains unpaid for one month or more.
AAMI will not accept any claims if an instalment payment has remained unpaid for a period of 14 days or more.
Changing your instalment payments
If you wish to change or cancel your direct debit arrangements, you need to contact us at least seven days before the debit day.
If you cancel the debit completely, you will need to arrange for another way to pay us your premium, to ensure you remain covered.
Important things to remember when paying by instalments
When you first commence your direct debit payments, or when you change your account details, it may take up to 14 days for us to first debit your account.
If you believe that we may have incorrectly debited your account, please contact us on 13 22 44.
If we decide to make a write-off payment or replace your caravan under your policy, we will require you to first pay us the total unpaid balance of your premium. In the case of a write-off payment, we will deduct the unpaid amount from the payment we make.
Renewing your policy
When we offer to renew your policy:
we will send you a notice before the policy expiry date,
we will tell you in writing if there are any changes to the policy.
Changes that benefit you apply from their introduction.
Changes introducing limitations apply from the policy's renewal,
we may require an additional premium if you make a claim in the short period between the time we calculated the renewal premium and the expiry of your policy, or if you tell us about changes to your policy details in that period and we tell you they will increase your renewal premium.
If the additional premium is not paid, we may reduce the period of insurance to match the amount you have paid.
Changing your address details
If you change the insured address (the address where your caravan is normally left overnight), please call us and we will:
update your details and tell you if there is any difference in the terms and conditions of your policy as it applies at your new address,
refund or charge you any difference between the premium you paid and the premium we charge for the remainder of your period of cover for caravans insured at your new address. Any refund we make will be less our reasonable charge for administrative and processing costs.
If you do not tell us of a change of insured address and you make a claim, we will ask you to pay any increased premium or reduce the claim by that amount.
Government taxes and charges
AAMI shows on receipts any government taxes and charges such as GST, Stamp Duty and Fire Services Levy included in insurance premiums.
GST
The amounts covered for your caravan and legal liability include GST.
Any amounts we pay under 'The benefits' include GST.
Cooling off period
Federal law provides that you can cancel your policy within 14 days of its purchase date. To cancel this policy, please call AAMI on 13 22 44.
...and cancelling this policy
AAMI also allows you to cancel your policy at any time. In both cases, we will refund you the unexpired portion of the premium less any cancellation processing charge to cover the reasonable administrative and transaction costs incurred by AAMI. To cancel your policy, please call AAMI on 13 22 44.
We can only cancel your policy by giving you written notice in accordance with the Insurance Contracts Act 1984.
Joint policyholders
If more than one person takes out this insurance, each is a joint policyholder.
Each joint policyholder gives authority to each other joint policyholder to make any changes to this policy including cancelling this policy or removing a joint policyholder.
AAMI may agree to any change without notice to any person other than the joint policyholder requesting the change.
The privacy of your personal information
We are committed to protecting the privacy of your personal information. That commitment is reflected in the AAMI Customer Charter and in our compliance with the National Privacy Principles. For further information, please visit our website www.aami.com.au or call us on 13 22 44 for a copy of our 'AAMI and Your Personal Information' brochure.
AAMI's Customer Charter
We are committed to always provide you with the highest standard of service. The AAMI Customer Charter is a written document containing service and reporting promises which we are bound to deliver. In fact, we impose a penalty on ourselves if we fail to do so.
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 reported publicly.
The AAMI Customer Charter, introduced in 1996, was Australia's first general insurance customer charter, and indeed, first retail customer charter. The Charter is your guarantee that we're always striving to deliver the best in customer service.
The General Insurance Code of Practice
AAMI is a signatory to the General Insurance Code of Practice, which sets out a commitment by the general insurance industry to raise standards of service, and to promote better relations between customers and insurers.
The Code describes standards in areas such as buying insurance, claims handling, responding to catastrophes and disasters, information and education and dispute resolution. The Code was introduced in 1995 with the backing of consumer groups, the federal government, insurers and the Insurance Council of Australia.
More information on the Code, or a copy of the Code, can be obtained from the Financial Ombudsman Service (FOS). You can contact the FOS on 1300 780 808 (local call cost) or you can access the Code at www.codeofpractice.com.au
What do we mean by that?
AAMI, we, us and our mean Australian Associated Motor Insurers Limited (ABN 92 004 791 744).
Amount covered is the most we will pay, less any excess, for any accidental loss and damage to your caravan, annex and contents covered by your AAMI policy occurring during the period your caravan is insured with us. The amount covered includes GST.
The amount covered is shown on the most recent of your insurance schedule and your renewal notice.
Cover and covers mean the protection provided by your policy.
Endorsement means a special condition that applies to your policy.
Any endorsements to your policy are shown on your insurance schedule.
Excess. An excess on your policy is the first amount that you must contribute towards each claim. When one or more excesses apply to your policy, they will be shown on the most recent of your insurance schedule and your renewal notice. See also page 20.
Loss and damage.
Loss or lost means your caravan or a fixed part of your caravan being destroyed, stolen or damaged beyond economical repair.
Damage means actual physical damage to your caravan.
A part of your caravan is not damaged just because it no longer matches the materials used in a repair covered under this policy and the non-matching unrepaired part will not be repaired or replaced for that reason.
Period of cover means the current period for which we have agreed to provide you with insurance cover. The current period is shown on the most recent of your insurance schedule and renewal notice and any receipt we may send to you. When we make a write-off payment or replace your caravan, the period of cover comes to an end. See also page 30.
Policy means this booklet and your policy schedule.
Your policy schedule comprises the notices we give you which show the particular details and the current status of your policy. These notices are the most recent of your insurance schedule and renewal notice, and any receipt we may send you.
Your insurance schedule sets out the information you have given us on which we have based our decision to insure you as well as the individual details of your policy. We will send you an updated insurance schedule whenever you advise us of a change in this information or these details.
Write-off. Your caravan is declared a write-off when in our opinion, it is so badly damaged that it would not be either safe or economical to repair or when it has not been found within 14 days of you reporting its theft to us.
You and your mean the person or persons named as the insured in your insurance schedule.
Your caravan means:
the caravan, not being a self-propelled vehicle, described in your insurance schedule and includes the following fittings which form part of your caravan, whether they were fitted by the caravan manufacturer or not:
fittings such as awnings, beds and mattresses, curtains and flyscreens, gas cylinders, refrigerator, ice chest, stove, air conditioning, hot water service, shower, bath, toilet, water tank and its pump, generator.
the annex unless the annex is separately insured under this policy for a specific amount covered.
Your contents means the following items:
kitchen and cooking utensils, personal clothing, bedding, furniture and furnishings, cutlery and crockery, microwave, non-portable vision and sound equipment, camping and sporting equipment.
Your family means the following people who normally live with you:
your spouse or partner,
your children, parents, grandparents, grandchildren, brothers and sisters,
the children, parents, grandparents, grandchildren, brothers and sisters of your spouse or partner.