AAMI Comprehensive Car Insurance Policy
Important Information
Important Information
Your AAMI Product Disclosure Statement
The AAMI Comprehensive Car Insurance Policy
This Product Disclosure Statement (PDS) provides information about the product we offer: the AAMI Comprehensive Car Insurance Policy. When we agree to insure your car, your policy comprises this PDS, any supplementary PDS we send you and your policy schedule which shows the detail of the policy particular to you. See page 48.
This PDS was completed on 1 September 2011.
Our commitment to you
When you are an AAMI policyholder and you need to claim on your policy, our claims service will take away the stress and hassle. We are here to help you 24 hours a day, every day of the year.
If your car has been damaged or stolen or someone is claiming against you, please phone us immediately on 13 22 44.
Please read this policy carefully and retain it so you can refer to it if required.
We rely on the accuracy of your information
When we agree to insure you, to renew or vary your policy, or to pay your claim, our decision relies on the accuracy of the information you give us. If that information is not accurate, we can reduce or deny any claim you may make or cancel your policy. We never want to have to do that, so you must answer honestly, correctly and completely the questions we ask about:
you,
any other people who drive or will drive your car,
your car,
where your car is kept,
the driving and insurance history of you and any other people who drive or will drive your car,
any events that may result in a claim on your AAMI policy.
When you receive your renewal notice, please carefully check the information it shows. If any of that information is incorrect or incomplete, please call us and we will update our records.
We also require you to:
observe the conditions contained in your AAMI policy, and
pay or agree to pay us the premium we charge and any excesses that apply.
Evidence of ownership
When you make a claim, we may ask you to provide evidence of ownership and value of property. This evidence includes receipts, credit card and bank statements, photographs or contracts of sale.
If you are unable to provide us with the evidence we require, we may reduce or refuse to pay your claim.
Some words in this policy have definite meanings
This policy uses words that have definite meanings. To make sure you are aware of these words and their meanings, please read 'What do we mean by that?'on pages 48-49.
This policy does not cover some events, circumstances and situations
As you read through this policy, you will see there are some events, circumstances and situations it does not cover. To make sure you are aware of these exclusions, please read the whole policy carefully including the sections 'Are you covered?' beginning on page 18 and 'We will not pay for' beginning on page 20.
See also 'Important general information' on pages 42-47.
Earned and purchased benefits
This policy provides benefits you are able to earn depending on your safe driving record as an AAMI policyholder under this policy and other benefits you may be able to purchase. Benefits you earn and benefits you purchase are shown on the most recent of your insurance schedule, renewal notice and any receipt we may send you.