| If your car was being used in connection with it being serviced or repaired. |
YES |
| If your car was being used for free driving tuition. |
NO |
| But you or a driver named on the most recent of your insurance schedule and renewal notice were a passenger. |
YES |
| If your car was being demonstrated for sale. |
NO |
| But you or a driver named on the most recent of your insurance schedule and renewal notice were a passenger. |
YES |
| If the driver of your car was not licensed or authorised to drive it. |
NO |
| But your car was being driven without your consent. |
YES |
| If the driver of your car was under the influence of intoxicating liquor 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. |
NO |
| But your car was being driven without your consent. |
YES |
| If your car was in an unroadworthy or unsafe condition that contributed to the accident being a condition that was known to and disregarded by you. |
NO |
| If your car was carrying more passengers or loaded above the legal limit or loaded in an illegal way. |
NO |
| If your car was being used or tested in or for a race, trial, test or contest. |
NO |
| If your car was being used on a competition circuit, course or arena. |
NO |
| If your car was being used for hire or reward. |
NO |
| If during your full-time, part-time or casual working period, you normally use your car as an integral means of earning your income. |
NO |
| But you have told us about your use of your car and we have agreed to insure it for business use and its carrying capacity does not exceed two tonnes. |
YES |
| If your car was outside Australia. |
NO |
| If your car was converted, altered or modified from its maker’s specifications. |
NO |
| ut we have provided you with written agreement to the modification. |
YES |
| For the non-standard accessories you have fitted to your car. |
NO |
| But you have told us and we have agreed in writing to cover these accessories. |
YES |