AAMI Comprehensive Car Insurance Policy

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
Contacting AAMI:	You can contact AAMI by phone, email, mail, in person.
Premiums:	What we take into account in arriving at a premium. Paying by instalments.
Renewals:	Renewing your policy.
Changing address:	What to do when you change address.
Taxes and charges:	Government taxes and charges are shown on receipts.
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.
Joint policyholders:	What happens when you insure jointly.
Privacy:	The privacy of your personal information.
Consumer appeals:	The AAMI Consumer Appeals Service. The Insurance Ombudsman Service (IOS).
Customer Charter:	The AAMI Customer Charter makes service and reporting promises.
Definitions:	Some words in this policy have defined meanings.
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.

Cover
	Accidental loss of or damage to your car.
	Legal liability.
Excesses:	The excesses that may apply to your policy.

Conditions
	Some words in this policy have defined meanings.
	Are you covered?
	Will we pay for?
	Inspecting and repairing your car.
	Conditions affecting our write-off payment or car replacement.
	Admission of liability.
	Giving assistance.

Additional Benefits
	A replacement car or fair value if your car is written off.
	A rental car if your car is stolen.
	A rental car at a low daily rental rate while accidental damage to your car is being repaired under your AAMI policy.
	Towing your damaged, undriveable car.
	Accidental damage to your trailer.
	Replacement personal clothing.
	Insurance when you replace your car.
	Accidental death benefit.
	Emergency costs.
	Hassle-free claims service.
	Lifetime Repair Guarantee.
	Original Equipment Manufacture (OEM) parts.

Premium benefits
	Rating and No Claim Bonus benefits.
	No fault, no effect on your rating/discount.

Claims
	The AAMI claims service.
	Repair quotations.
	If your car can be safely driven.
	If your car cannot be safely driven.
	Inspecting and repairing your car.
	Contributing to repair work.
	If your car cannot be repaired.
	If your car has been stolen.
	Write-off payments or replacing your car.
	If someone else’s property is damaged.