AAMI Comprehensive Car Insurance Policy

Are you covered?

You are not covered:	You are covered:
	If your car was being used in connection with it being serviced or repaired.
If your car was being used for driving tuition.	If you or a person named as a regular driver on the most recent of your insurance schedule and renewal notice was a passenger.
If your car was being demonstrated for sale.	If you or a person named as a regular driver on the most recent of your insurance schedule and renewal notice was a passenger.
If the driver of your car was not licensed or authorised to drive it.	If your car was stolen.
If the driver of your car was under the influence of intoxicating liquor and/or of a drug or whose blood alcohol level was in excess of the legal limit in force where your car was being driven or who refused or failed to submit a specimen for testing as required by law where your car was being driven.	If your car was stolen.
If your car was being used or tested in or for a race, trial, test or contest or on a competition circuit, course or arena.	If your car was being driven by you on a safe driving course commercially conducted by trained instructors.
If your car was converted, altered or modified from its maker's specifications.	If you have told us and we have agreed in writing to cover the modification.
For the non-standard accessories you have fitted to your car.	If you have told us and we have agreed in writing to cover these accessories.

You are not covered if your car (including any attached trailer) was:

in an unroadworthy or unsafe condition that contributed to the accident being a condition that was known to and disregarded by you.

carrying more passengers or loaded above the legal limit or loaded in an illegal way.

being used for hire or reward.

being used during your full-time, part-time or casual working period as an integral means of earning an income, unless you have told us about this use and we have agreed in writing to cover it - See 'Use' page 49.

outside Australia.