AAMI Third Party Property Damage Car Insurance Policy

The AAMI Third Party Property Damage Insurance Policy

Your AAMI Product Disclosure Statement

The AAMI Third Party Property Damage Insurance Policy

This Product Disclosure Statement provides information about the product we offer - the AAMI comprehensive car insurance policy.

This Product Disclosure Statement was completed on 1 April 2008.

Product Disclosure Statement Content Summary

A summary of the content of the AAMI comprehensive car insurance policy is provided on pages 5-7. For the full details of the policy cover, benefits and conditions, you must read the entire policy.
 

Overview		Page
Contacting AAMI:	You can contact AAMI by phone, email, mail, in person.	8
Premiums:	What we take into account in arriving at a premium.	8
	Paying by instalments.	9
Renewals:	Renewing your policy.	10
Changing address:	What to do when you change address.	11
Taxes and charges:	Government taxes and charges are shown on receipts.	11
Cooling off; Cancelling your policy:	You can cancel your policy within 14 days of its purchase date. AAMI also provides that you can cancel this policy at any time. To cancel this policy, please contact AAMI on 13 22 44.	11
Joint policyholders:	What happens when you insure jointly.	12
Privacy:	The privacy of your personal information.	12
Consumer appeals:	The AAMI Consumer Appeals Service. The Insurance Ombudsman Service (IOS).	36
Customer Charter:	The AAMI Customer Charter makes service and reporting promises.	13
Definitions:	Some words in this policy have defined meanings.	15
Duty of disclosure:	AAMI does not rely on the general duty of disclosure but AAMI does require you to give honest, correct and complete answers to any questions we ask you.	17

Cover		Page
Standard cover:	Legal liability.	18
	Accidental loss of or damage to your car caused by an uninsured third party motorist.	18
Extended cover:	Accidental loss of or damage to your car caused by fire or theft or attempted theft.	19
Excesses:	The excesses that may apply to your policy.	22

Additional Benefits		Page
Standard and extended cover:	Insurance for your replacement car.	20
	Discount on AAMI comprehensive car insurance.	20
	Lifetime Repair Guarantee.	20
	OEM (original equipment manufacture) parts.	20
Extended cover:	A rental car if your car is stolen.	21

 

Conditions		Page
	Some words in this policy have defined meanings.	15
	Evidence of ownership.	17
	Are you covered?	24
	Will we pay for?	26
	Inspecting and repairing your car.	31
	Conditions affecting our write-off payment.	33
	Admission of liability.	34
	Giving assistance.	34

Claims		Page
	The AAMI claims service.	28
	If someone else's property is damaged.	29
	Legal costs.	29
	If your car is damaged.	30
	If your car can be safely driven.	30
	If your car cannot be safely driven.	31
	Inspecting and repairing your car.	31
	Contributing to repair work.	31
	Lifetime Repair Guarantee.	31
	Original Equipment Manufacture (OEM) parts.	32
	If your car cannot be repaired.	32
	Write-off payments.	33
	If you want to keep your car insured after we have paid you the cost of repairing it.	33
	If your car has been stolen.	34