Car Comprehensive

Policy documents for Comprehensive Car Insurance

Current documents
NSW ESL reintroduction onto insurance premiums
Product Disclosure Statement This PDS applies to new policies purchased on or after 10 February 2014 and renewal policies commencing on or after 4 April 2014.
Product Disclosure Statement This PDS applies to new policies purchased on or after 19 June 2018 and renewal policies commencing on or after 19 June 2018.
Update pursuant to ASIC Corporations Instrument 2016/1055 Effective for all policies with a renewal date on or after 19 June 2018 until the next renewal date of the policy. This is to be read in conjunction with your current PDS and SPDS.
Update pursuant to ASIC Corporations Instrument 2016/1055 Effective between the dates of 9 October 2017 - 5 November 2017 only, and is to be read in conjunction with your current PDS and SPDS.
Update pursuant to ASIC Corporations Instrument 2016/1055 This is to be read in conjunction with your current PDS and SPDS.
Update Pursuant to ASIC Class Order 03/237 Effective for all policies when you buy, extend, vary or reinstate your policy on or after 16 November 2015 or if you renew on or after 28 December 2015. It is to be read in conjunction with your current PDS and SPDS.
Comprehensive Car Insurance Additional Information Guide Read this Guide if your policy has a commencement or renewal effective date on or after 19 June 2018.
Car Insurance Premiums, Excesses, Discounts & Claims Payments guide Read this Guide if: your policy has a commencement or renewal effective date on or after 04/09/17

Past documents
Car Insurance Premiums, Excesses, Discounts & Claims Payments guide Read this Guide if: you commenced your policy from 13 March 2015, or your policy was due for renewal on or after 13 March 2015.
Car Insurance Premiums, Excesses, Discounts & Claims Payments guide Read this Guide if: you commenced your policy from 1 December 2014, or your policy was due for renewal on or after 17 January 2015.
Car Insurance Premiums, Excesses, Discounts & Claims Payments guide Read this Guide if: you commenced your policy from 11 February 2014 to 30 November 2014, or your policy was due for renewal on or after 5 April 2014 to 16 January 2015.
Product Disclosure Statement This PDS applies to policies renewed or policies purchased between 30 September 2011 and 10 February 2014. Also read the following Supplementary Policy(s) Supplementary Product Disclosure Statement Effective from 16/11/2012. Supplementary Product Disclosure Statement Effective from 02/05/2013.
Car Insurance Premiums, Excesses, Discounts & Claims Payments guide Read this Guide if: you obtained a quote and commenced your policy between 1 May 2012 and 10 February 2014, or your policy was due for renewal between 1 May 2012 and 4 April 2014.
Car Insurance Premiums, Excesses, Discounts & Claims Payments guide Read this Guide if: you obtained a quote between 6 August 2011 and 30 April 2012 and commenced your policy on or after 30 September 2011, or your policy was due for renewal between 19 November 2011 and 30 April 2012.
Car Insurance Premiums, Excesses, Discounts & Claims Payments guide Read this Guide if: you obtained a quote between 6 August 2010 and 5 August 2011 and commenced your policy between 30 September 2011 and 30 April 2012.
Car Insurance Premiums, Excesses, Discounts & Claims Payments guide Read this Guide if: you obtained a quote and commenced your policy between 6 August 2011 and 29 September 2011, or your policy was due for renewal between 6 August 2011 and 18 November 2011.
Car Insurance Premiums, Excesses, Discounts & Claims Payments guide Read this Guide if: you obtained a quote between 6 August 2010 and 5 August 2011 and commenced your policy cover between 6 August 2011 and 29 September 2011.
Car Insurance Premiums, Excesses, Discounts & Claims Payments guide Read this Guide if: your policy cover started between 28 October 2010 and 5 August 2011.
Car Insurance Premiums, Excesses, Discounts & Claims Payments guide Read this Guide for: a policy you held between 18 December 2009 and 27 October 2010.

Glossary

Product Disclosure Statement (PDS)
An important legal document that contains the terms and conditions of your cover, including what is and isn’t covered. Read it together with your Certificate of Insurance.

Key fact sheet
Offers a shorter version of what is and isn't covered, without being a complete statement of your cover. Read it together with the PDS and your Certificate of Insurance.

Supplementary Product Disclosure Statement (SPDS)
Sometimes, we may need to change the terms and conditions of a PDS, in which case we issue a supplementary PDS.

Premiums, Excess, Discounts & Claims Payments guide (PED Guide)
Explains how we calculate premiums, the excesses that apply, any discounts and how we pay claims. Read it together with the PDS.