Car Comprehensive

Policy documents for Comprehensive Car Insurance

Current documents
Reform of the New South Wales Emergency Services Levy (ESL) This press release especially applies to policies commencing during the 2016-17 financial year (1 July 2016 to 30 June 2017). Policies with a commencement date or renewal date on or after 1 July 2017 will NOT include an ESL.
Product Disclosure Statement This PDS applies to new policies purchased after 10 February 2014 and renewal policies commencing after 4 April 2014.
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.
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.

Past documents
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.