MOTORHOME INSURANCE PRODUCT DISCLOSURE STATEMENT - SECURETM
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SECURE
TM
MOTORHOME
INSURANCE
PRODUCT DISCLOSURE
STATEMENT
TITLE: 273_Icon_Motorhome_ART.eps DATE: July 08
SIZE: 100mm W x 100mm HWelcome and thank you for choosing CIL
Insurance
CIL Insurance was formed in 1962 to cater for the needs of the
caravan industry. Since then, CIL Insurance has grown to be a
specialist Recreational Vehicle (RV) Insurer.
This Product Disclosure Statement (PDS) is an important
document that tells you information you need to know about
your policy. It's really important to read it carefully before you
decide whether or not our cover is right for you.
By choosing CIL Insurance you can:
• Make a claim 24/7 by calling 1800 112 481
• Write to us at GPO Box 1831, Brisbane, QLD, 4001
The information in this PDS is current at the date it
was prepared. From time to time, we may update some
of the information in this PDS that is not materially
adverse to you without notifying you. Please contact us
for a free copy of any of these updates. Other changes
will be made by a Supplementary Product Disclosure
Statement (SPDS) which we will give to you.
Who is the insurer?
AAI Limited ABN 48 005 297 807, AFS Licence No. 230859
trading as CIL Insurance is the insurer and issuer of this PDS.
About the authorised representative or distributor
If an authorised representative or distributor of ours arranges
this policy:
• they will be acting with our authority and be our authorised
representative or distributor, not your agent, in all matters
concerning this insurance;
• they will receive a commission; and
• neither the authorised representative, distributor nor any of its
related companies guarantees the benefits payable under the
contract.
PDS Preparation date 3/12/2020
1Key information about CIL Secure™
Motorhome Insurance
Type of insurance
This policy provides comprehensive cover for your motorhome.
Note: You can also insure a motorised campervan. When you
have insured your motorised campervan, your motorhome
means the motorised campervan shown on your schedule.
What we cover
Accidental loss or damage to your motorhome caused by an
incident during the period of insurance. Examples of incidents
include, hail, storm (including cyclone), fire, theft and collision.
We also cover your legal liability under Motorhome legal liability
to pay compensation for loss or damage to another persons
property caused by the use of your motorhome, or under
Personal legal liability to pay compensation for death or bodily
injury to other people, or loss or damage to their property
caused by you when you are permanently or temporarily
residing in of your motorhome.
This is a summary only. Like all policies, there are
conditions, limits and exclusions that apply so you need
to read your policy carefully.
Exclusion for new policies
We do not insure you for bushfire, storm, flood or
tsunami in the first 72 hours of your policy. Very limited
exceptions apply. For full details see page 22 in section
3 ‘Things we don’t cover’.
What we pay
The most we will pay for any one incident is the amount insured
for your motorhome as shown on your schedule, unless we say
otherwise in your policy.
We will also pay:
• up to $20 million for all claims from any one incident for
legal liability covered by this policy including all associated
legal costs;
• up to the limits outlined under the relevant Additional and
Optional covers.
Additional covers that come with your policy
There are some additional covers that come with your policy for
no extra cost. See section 5 ‘Additional covers that come with
your policy’ on page 34 for more information.
2Optional covers you can pay extra for
There are some optional covers that you have to pay extra for.
If an optional cover applies to your policy it is shown on your
schedule. See section 6 ‘Optional covers you can pay extra for’
on page 53 for more information.
Summary of cover
Limits, conditions and exclusions apply. What we cover depends
on the covers you have chosen. Read your policy for full details.
What we cover Page
Accidental loss or damage 32
Legal liability 32
What we cover Page
Additional New motorhome after a total loss 35
covers (these for motorhomes less than 2 years
are covers old
that come
Towing and storage costs 36
with your
policy) Emergency repairs 36
Returning your motorhome or 37
contents to you
Hire of a vehicle following a theft 38
Hire of a vehicle following an 38
incident
Travelling expenses 40
Your liability under maritime law 40
Temporary accommodation - if 41
your motorhome is not your
usual home
Temporary accommodation - if 41
your motorhome is your usual
home
Lost/stolen credit or financial 42
transaction card cover
Removal of debris 42
After claim expenses 43
One excess free windscreen 43
or window glass claim
Boat and inflatable dinghies 44
towed or transported by your
motorhome
Veterinary expenses 44
3Additional Lock replacement 45
covers
Fire equipment cover 45
(these are
covers that Registered trailer and trailer 46
come with contents
your policy) Mechanical breakdown towing 47
continued
Motor burnout cover 48
Emergency medical treatment 49
travel costs
Medical transportation expenses 50
Included contents cover 52
What we cover Page
Optional Protected no claim bonus cover 54
covers (these
Hire use cover 54
are covers
you pay extra Annexe cover 55
for) Increased contents cover 55
4What to We understand experiencing loss
do or damage or having a claim made
against you can be stressful
Here’s what to do:
Step 1
Make sure everyone is safe.
For emergencies, call 000.
Step 2
Try to prevent further loss, damage or liability
(e.g. move your motorhome off the road and
put on your hazard lights).
Step 3
Report the incident to the police. If someone
is injured or has stolen, attempted to steal or
maliciously damaged your motorhome, call
the police as soon as possible and record the
time, date, report number and the name of the
recording officer.
Step 4
Where possible collect details of all drivers,
passengers and witnesses including their
full names, addresses and contact numbers.
If another vehicle is involved, record its
registration number and the driver’s name and
address. Do not admit fault to anyone.
Step 5
Contact us as soon as possible by calling
1800 112 481. You will need to arrange a
quote for repairs. If you cannot drive your
motorhome, you need to arrange for towing
to your nearest repairer where a quote can be
prepared.
When you contact us, describe details of the
incident to assist with lodging your claim. If the
damage was caused by another person, provide
us their name and address and their vehicle's
registration number.
5Contents
1. Important things to know upfront 7
2. What we cover – the basics 15
3. Things we don’t cover 20
4. What we cover – the details 31
5. Additional covers that come with your policy 34
6. Optional covers you can pay extra for 53
7. Making a claim 56
8. How we settle claims – some examples 67
9. Important things to know – our contract 75
with you
10. W
hat to do if you have a complaint and other 79
important information
11. Words with special meanings 82
Motor Vehicle Insurance and Repair Industry Code
of Conduct
In line with our requirements under this code on our
repair process see ‘If your motorhome or annexe is
damaged' on page 60 and ‘When we authorise repairs
to your motorhome or annexe we will:'’ on page 61.
In this PDS you will be referred to the Secure™
Motorhome Insurance Additional Information Guide. This
guide is available at cilinsurance.com.au and contains
further information about premiums, excesses and
discounts. Please contact us for a free copy.
Some words in this policy have special meanings. Most
of these words are defined in section 11 ‘Words with
special meanings’ on page 82.
61
IMPORTANT THINGS TO
KNOW UPFRONT
Before we get into the specifics of your policy
there are important things to know upfront.
This includes information about:
your contract with us;
your cooling off period;
your responsibilities and when you need to
contact us about changes; and
the excesses that apply to your claim.
7Our agreement with you
If you buy this product from us, your contract of insurance is
made up of your schedule, this PDS and any SPDS that we
have given you.
Cooling off period
You can contact us to return the policy within 30 days from the
start date of your policy (including on renewal).
This is called the cooling off period. As long as you have not
made a claim during this period, we will refund in full the money
you paid for your policy (including GST if applicable), but you
will not have any cover under the policy.
Alternatively, you can cancel your policy at any time while you
are insured. When you do this, unless we tell you otherwise,
you will have cover up until the date and time of cancellation.
For more information see ‘What happens with cancellations’ on
page 78.
There are limits to what we will pay and
some things that we don’t cover
Like every insurance policy, there are exclusions, conditions and
limits that apply to your policy. There are some things we don’t
cover whatever the circumstances, these are found in section
3 ‘Things we don’t cover’ on pages 20 to 30. There are also
specific things we don’t cover explained in sections 4 to 6 on
pages 31 to 55 which are particular to the cover provided under
your policy.
In this PDS we use and icons to help describe
what’s covered and what’s not covered.
Extra support
Sometimes your circumstances might mean you need additional
support or assistance in dealing with us. This could be due
to your physical or mental health, family or financial situation
or cultural background. If you are comfortable, you can tell
us about your situation and we will work with you to arrange
support.
8Your responsibilities
• take steps to prevent loss or damage, for example:
– move your motorhome away from rising flood waters;
– do not drive into water;
– do not leave motorhome keys in the motorhome while your
motorhome is unattended or not secure;
– lock all doors and windows when your motorhome is
parked and unattended;
– accompany anyone test driving your motorhome when it is
up for sale;
– do not leave contents in an unsecured motorhome annexe.
• keep your motorhome in a good, safe and roadworthy
condition (e.g. replace worn out tyres, worn out brakes and
defective lights). See section 3 ‘Things we don’t cover’ on
pages 20 to 30 for exclusions that may apply;
• keep your motorhome structurally sound, watertight, and well
maintained (e.g. maintain seals, fix leaks, remove mould, repair
paint problems, major rust, corrosion, cracking and blistering,
repair major scratches or dents, fix mechanical and electrical
problems);
• follow all the terms, conditions and responsibilities set out in
your policy;
• provide honest and complete information for any claim,
statement or document supplied to us;
• do not behave in a way that is abusive, dangerous, hostile,
improper or threatening when engaging with us and our
service providers.
Not meeting your responsibilities
Your policy may not provide cover if you have not met your
responsibilities and it may lead us to reduce or refuse to pay
your claim and/or cancel your policy.
9When you need to contact us
During the period of insurance you must tell us as soon as
possible if:
• you or any person who is likely to drive your motorhome
has their driver licence cancelled, suspended, disqualified or
restricted;
• you or any person who is likely to drive your motorhome has
been charged with, or convicted of, a criminal act or offence;
• you have had another insurer cancel or decline an insurance
policy, impose specific conditions on a policy or refuse a claim;
• any details on your schedule are no longer accurate and
complete, including but not limited to your motorhome (see
'When you replace your motorhome' on page 11) or the
address where you keep your motorhome;
• the disclosed drivers of your motorhome change;
• there are any changes to the physical condition of your
motorhome;
• you plan to, or have added accessories or modifications to
your motorhome (see page 16);
• you no longer plan to use your motorhome for private use
only (see ‘Private use’ page 87).
If you have not told us about any of the above matters having
occurred in any other period of insurance when you held this
policy with us, you must also tell us as soon as possible.
What we will do when you contact us
When you tell us about any of the above matters an additional
excess, additional premium or special condition may be applied
to your policy. In some cases, it may lead us to reduce or refuse
to pay a claim or it may mean we can no longer insure you and
we will cancel your policy.
If you do not contact us
If you do not contact us when you need to, you may not be
covered under your policy and it may lead us to reduce or
refuse to pay a claim and/or cancel your policy.
How to contact us
Call us on 1800 112 481.
If your contact details change
You must keep your contact details, including your Australian
mobile number, postal address and email address up to date. If
we do not have up to date contact details you might not receive
your important policy documents, which could impact whether
you have cover in place.
10When you replace your motorhome
If you replace your motorhome with another motorhome, we will
insure the replacement motorhome, up to its market value on the
same terms as the replaced motorhome as if a reference to ‘your
motorhome’ in this PDS is to your replacement motorhome.
Cover is provided from the date you bought the replacement
motorhome until you contact us to insure your replacement
motorhome, up to a maximum of 14 days.
We do not provide any cover under this policy for a replacement
motorhome outside the cover stated in this section ‘When you
replace your motorhome’.
Special conditions
We may apply special conditions on your policy that might exclude,
restrict or extend cover. For example, we may not be able to cover
certain drivers because of the type or value of motorhome that is
insured. Any imposed conditions will be listed on your schedule. It
is important that you read your schedule carefully.
What is a No Claim Bonus?
A No Claim Bonus (NCB) is a discount off your premium as
a reward for your good driving and insurance history. You will
automatically be entitled to our maximum NCB when you insure
with us. On each renewal you will maintain the maximum NCB
provided you haven’t made any claim that affects your NCB.
Your NCB is shown on your schedule.
Lifetime maximum No Claim Bonus
You may be eligible for the lifetime maximum NCB protection
benefit.
If you are entitled to this benefit, your maximum NCB is
protected for the life of this policy and any subsequent renewals
(even if you are at fault in the event of an incident).
To be eligible for this benefit you will need to:
• be 25 years of age or over; and
• be insured with us for 3 consecutive years on a maximum
NCB; and
• not have incurred any penalty claims for the previous 3 years.
We will automatically apply this benefit to your policy once you
become eligible and it will be shown on your schedule.
Refer to the Secure™ Motorhome Insurance Additional
Information Guide for more information about discounts.
11Excesses that apply to your claim
What is an excess?
An excess is the amount you pay towards the cost of your claim
for each incident covered by your policy. The total excess you
are required to pay is determined by the circumstances of your
claim. You might have to pay more than one type of excess. The
amount and types of excesses are shown on your schedule.
The different types of excesses are:
Excess type
Basic excess This excess applies to all claims unless
your policy states no excess applies to your
claim.
Age excess This excess applies if a driver under 25
years of age was driving, using or in charge
of your motorhome at the time of the
incident. This excess is in addition to all
other excesses that apply. It also applies to
learner drivers.
Inexperienced This excess applies if an inexperienced
driver excess driver was driving, using or in charge of
your motorhome at the time of the incident.
This excess is in addition to all other
excesses that apply.
Note: An inexperienced driver is someone
who is 25 years or over and has not held
a driver licence specific to the vehicle type
they are driving for at least the past 2
consecutive years prior to the incident. It
includes learner drivers 25 years or over.
Off-road This excess applies when your motorhome
excess is damaged whilst being driven on any
beach, or any dirt or unsealed road. This
excess is in addition to all other excesses
that apply.
Underwriting This excess may be imposed based on a
excess driver’s history, the claims history or type
of motorhome. If an underwriting excess
applies to your policy it will be shown on
your schedule. This excess is in addition to
all other excesses that apply.
Hire use This excess increases the basic excess if
excess you have the 'Hire use cover' option shown
on your schedule. The total basic excess is
shown on your schedule.
12Optional This optional excess reduces your premium
excess by increasing your basic excess and
applies to all claims, unless your policy
states no excess applies to your claim.
If your motorhome has been damaged in two separate
incidents, then you have to make 2 claims and pay the
excesses that apply for each claim.
Refer to the Secure™ Motorhome Insurance Additional
Information Guide for more information about excesses.
How to pay your excess
You can choose from the following options to pay your
excess(es):
• you can pay the excess(es) directly to us before we finalise
your claim;
• the excess(es) can be deducted from the amount we pay you
for your claim (if any);
• in some instances, the excess(es) can be paid to the
appointed repairer or supplier; or
• in some instances, the excess(es) can be deducted from the
amount we pay to another person for loss or damage to their
property.
We will not cover any legal or other costs that arise because of
any delay in paying any excess.
13When your excess will be waived
You pay the excess but if:
1 + 2 + 3 =
You or the driver You You supply You don’t
of your motorhome supply the at-fault pay an
didn’t cause or the vehicle’s excess
contribute to the at-fault registration
accident (this driver's number
means the other name
driver was entirely and
at-fault). You may address
be able to show
this by providing a
police report, expert
reports, a statement
from a witness or
photographs
If 1, 2 and 3 are there, you don’t pay an excess. If ANY are
missing, you will need to pay an excess.
If you cannot supply the at-fault driver's name, address
and vehicle registration number it means we will not be
able to waive your excess. It does not otherwise impact
the cover under your policy or your ability to make a
claim.
142
WHAT WE COVER –
THE BASICS
This section describes the basics of:
what we cover and do not cover as your
motorhome, contents and annexe;
who we cover.
15What we cover as your motorhome
We Your motorhome or motorised campervan as
cover described on your schedule. It includes the
following that are fitted to your motorhome that
you have told us about and are shown on your
schedule:
• accessories; and
• modifications.
Your motorhome also includes:
• any of its fixtures and fittings, other than those
listed under the definition of contents;
• standard equipment fitted by the original
manufacturer for the particular make and model
of motorhome;
• manufacturer supplied tools and spare parts;
• gas cylinder(s).
Note: When you have insured your motorised
campervan, 'your motorhome' means the motorised
campervan shown on your schedule.
We • anything defined as contents;
don’t • a semi-trailer;
cover • a caravan;
• motorcars, motorcycles, trail bikes, mini bikes,
trailers and any equipment that is part of or
belonging to any of these;
• annexe (unless the optional cover 'Annexe
cover' is shown on your schedule);
• fuel or lubricants.
What are accessories?
An accessory is an addition to your motorhome which
does not enhance the performance or change the
structure of the motorhome (e.g. bike racks).
What are modifications?
Modifications are alterations made to the manufacturer’s
standard body, engine, suspension, wheels or paintwork
of your motorhome which may affect its performance,
value, safety or appearance (e.g. wheelchair access, fuel
system).
16What we cover as your contents
We Contents means any of the following items that
cover you either own or are legally responsible for:
• clothing and personal belongings;
• removable furniture, furnishings, carpets, floor
rugs;
• portable household electrical appliances;
• cash, smart cards, phone cards, documents able
to be cashed or traded, vouchers, tickets or
money orders;
• personal computers, electronic tablets, laptops
and any equipment that is part of or belongs to
them;
• standard purchased software (but not data of
any kind or custom written software);
• sporting equipment;
• CDs, DVDs, records, tapes, game cartridges and
other discs;
• fishing equipment;
• tools and spare parts not supplied by the
manufacturer as original equipment in or on the
motorhome;
• watches, pieces of jewellery (but not an item
listed under 'What we do not cover as your
contents');
• items made of or containing gold or silver (but
not an item listed under 'What we do not cover
as your contents');
• photographic equipment;
• binoculars;
• bicycles, personal transportation vehicles and
motorised wheelchairs.
17What we do not cover as your contents
We Contents does not include:
don’t • any item that is included in the definition of your
cover motorhome;
• precious metals, uncut and unset gems and
stones;
• furs;
• curios, antiques, pictures or works of art,
collections of stamps, medals or coins, or other
collectables;
• livestock, fish, birds, animals of any kind;
• manuscripts, deeds or other documents;
• gold or silver nuggets, bullion and ingots (not
jewellery);
• aircraft, watercraft and any equipment that is
part of or belongs to either of these;
• drones;
• skis, surfboards, surf-skis or wind-surfers, surf-
mats, surfing equipment or diving equipment,
and any accessories for surfing and diving
equipment;
• lawns, hedges, trees, shrubs and plants;
• unregistered or unlicensed firearms;
• motor vehicles, motorcycles, trail bikes, mini
bikes, trailers, and any equipment that is part of
or belongs to any of these;
• musical instruments;
• tents;
• mobile phones, CB radios or satellite phones;
• contents kept in a trailer.
Some words in this policy have special meanings. It’s
important to know what they mean. See section 11
‘Words with special meanings’ on page 82.
18The most we will pay for all contents
The most we will pay for loss or damage in any one incident
to all contents is $1,000 in total if you only have the 'Included
contents cover'.
There are also fixed limits that apply to certain contents items.
These limits are set out in the table below:
Item or type of item Limit for any one incident
Cash, smart cards, phone Limited to $200 in total
cards, documents able to be
cashed or traded, vouchers,
tickets or money orders
Bicycles, scooters, electric bikes Limited to $1,000 in total
and motorised wheelchairs
Fishing equipment Limited to $500 in total
Watches, pieces of jewellery, Limited to $2,000 in
items made of or containing total (when the 'Included
gold or silver, binoculars and contents cover' plus optional
photographic equipment 'Increased contents cover'
shown on your schedule is
over this amount).
All other contents items or Limited to $3,000 for each
types of items contents item or type of
item (when the 'Included
contents cover' plus optional
'Increased contents cover'
shown on your schedule is
over this amount)
You can choose to increase your contents cover by
purchasing the optional cover ‘Increased contents cover’
on page 55, but the fixed limits in the table above will
still apply.
What we cover as your annexe (optional
cover)
Your annexe means the structure designed to be attached to your
motorhome for the purpose of providing additional accommodation.
You can cover your annexe by choosing to purchase the
optional cover ‘Annexe cover’, see page 55. We will only
provide the optional cover for your annexe if you ask us
and you pay the additional premium. If you select this
cover it will be shown on your schedule.
Who we cover
We cover you or anyone you authorise to drive your motorhome,
subject to the conditions and exclusions of your policy.
193
THINGS WE DON’T COVER
There are some things we don’t cover under
your policy and we want to be upfront about
this.
Remember, there are also specific things we
don’t cover in sections 4 to 6, see pages 31
to 55.
20You are not covered under any section of this policy for damage, loss, cost or legal liability that is caused by or arises from or involves: Actions or movements of the sea actions or movements of the sea (including storm surge) or tidal wave. Agreements you enter into any agreement or contract you, or someone you authorised to drive or be in charge of your motorhome, enters into accepting liability, but we will provide cover if the legal liability would have existed without that agreement or contract. Alcohol, drugs, medication an incident occurring when your motorhome is being driven by, or is in the charge of anyone who: • was under the influence of, or had their judgement affected by, any alcohol, drug or medication; • had more than the legal limit for alcohol or drugs in their breath, blood, saliva or urine as shown by analysis; • refused to take a test for alcohol, drugs or medication. But we will pay a claim: • for you (but not the driver or person in charge of your motorhome) if your motorhome was stolen; • if it can be demonstrated that the above alcohol/drugs/ medication intake was not a contributing factor in the incident. Animals • animals of any kind that you own or are in your custody or control, but we will cover certain expenses for your domestic pet under the additional cover 'Veterinary expenses' (see page 44); • actions of animals of any kind that you do not own (including insects, moths, termites, vermin, birds or bats), but we will cover impact damage by an animal you do not own. Application of heat loss or damage to property occasioned by it undergoing any process involving the application of heat. Asbestos asbestos, asbestos fibres or derivatives of asbestos of any kind. 21
You are not covered under any section of this policy for
damage, loss, cost or legal liability that is caused by or
arises from or involves:
Biological, chemical, other pollutant or contaminant
• any actual or threatened use, existence or release of any
biological, bacterial, viral, germ, chemical or poisonous
substance, pollutant or contaminant;
• any looting or rioting following the actual or threatened
release of any biological, bacterial, viral, germ, chemical or
poisonous substance, pollutant or contaminant;
• any action taken by a public authority to prevent, limit or
remedy the actual or threatened release of any biological,
bacterial, viral, germ, chemical or poisonous substance,
pollutant or contaminant.
Bushfires, storms, floods, tsunamis in the first 72 hours of
cover
any loss or damage caused by a bushfire, storm, flood or
tsunami in the first 72 hours of cover.
But we will cover these incidents if this policy began on the
same day:
• you bought your motorhome;
• that another policy covering your motorhome expired or was
cancelled, but not when you cancelled the policy prior to
its expiry date, and only up to the value covered under the
expired or cancelled policy (any increase in value will not be
covered for these incidents for the first 72 hours specified).
Business use or carrying goods for trade purposes
your motorhome while it is being used for business purposes
including in connection with:
• an occupation or business;
• carrying goods for trade purposes;
• a motorhome hire business (but we will provide cover to the
extent available if you purchased the optional cover ‘Hire use
cover’ and it is shown on your schedule);
• any motorhome or motor trade.
Communicable disease
any loss, damage, claim, cost, expense, legal liability or other
sum, directly or indirectly arising out of, or attributable to, a
Communicable Disease or the fear or threat (whether actual or
perceived) of a Communicable Disease.
22You are not covered under any section of this policy for damage, loss, cost or legal liability that is caused by or arises from or involves: Condition of motorhome, annexe or contents • any mould, mildew, rot, wear and tear, gradual deterioration, corrosion, rusting, depreciation, lack of maintenance, fading, rising damp, action of light, atmospheric or climatic conditions, such as but not limited to: – wear and tear of flooring, furniture, fixtures or fittings; – worn out tyres, brakes and defective lights. • mechanical, structural, gas, electrical or electronic breakdown, failure or breakage; • your motorhome if it was damaged, unsafe or un-roadworthy at the time of the incident. Confiscation or repossession legal confiscation or repossession of your motorhome or its contents. Conversion/modification your motorhome having been converted or modified in a way that materially increases its designed top speed or performance and a certificate from an engineer or a government roads authority cannot be produced to verify its road worthiness. Dangerous goods your motorhome being used to illegally store or transport: • substances that pollute or contaminate; • dangerous or hazardous goods. Deliberate damage to a reservoir or dam deliberate or malicious damage to, or destruction of, a reservoir or dam, or any looting or rioting following such an incident. Driving a damaged motorhome driving your motorhome after it has been damaged in an incident, unless you were not aware this could lead to further damage to your motorhome, or you are acting to prevent further loss or damage such as driving it from a busy motorway. Electrical fault or gas leak an electrical fault in the wiring or gas leak in your motorhome, where the electrical wiring or gas fittings were installed or previously repaired by an unlicensed or unqualified person. Erecting, dismantling, modifying or repairing your annexe erecting, dismantling, modifying or repairing your annexe. 23
You are not covered under any section of this policy for
damage, loss, cost or legal liability that is caused by or
arises from or involves:
Escape of water
water escaping from a shower recess, shower base or an
inadequate drainage system.
Exceeding loading or passenger limits
your motorhome when it is:
• carrying more passengers than the motorhome was designed
for, or more than the driver is permitted to carry by law;
• carrying any load which is not secured according to law, over
the legal limit or more than what your motorhome is designed
to carry.
Extra costs or other losses following an incident covered
by your policy
extra costs or losses (financial and non-financial loss) following
an incident covered by your policy, including but not limited to:
• loss of income or wages;
• the value of your motorhome or annexe (including its trade-in
or resale value) is less after being repaired;
• cleaning costs, but we will cover cleaning costs under
‘Motorhome legal liability cover’ (see page 32);
• costs, including the cost of your time, to prove your loss or
to help us with your claim (e.g. phone calls, postage) unless
stated otherwise in your policy;
• medical expenses;
• cost of hiring appliances after yours suffer loss or damage;
• professional, expert, legal, consulting or valuation costs,
unless you obtained our prior authority to incur these costs;
• cost of replacing or reapplying pest control chemicals and
baits in or around your motorhome.
Failure to protect your motorhome, contents or annexe
your failure to take steps to prevent loss, damage or legal
liability. See ‘Your responsibilities’ on page 9.
Failure to secure contents or annexe
your failure to secure the contents or annexe when the
motorhome is being driven.
24You are not covered under any section of this policy for damage, loss, cost or legal liability that is caused by or arises from or involves: Faults and defects • manufacturing faults, faulty design; • the cost of repairing or replacing any defective or faulty product, appliance or part, but we will cover any resultant damage if you did not know or should not have reasonably known about the defective or faulty product, appliance or part; • the cost to fix faulty repairs and workmanship other than to the extent we are responsible for repairs authorised under your policy. Glass breakage • a breakage that does not extend through the entire thickness of the damaged item (e.g. chips and scratches); • any loss or damage caused by a broken glass item including the cost of cleaning the broken glass. Hire or reward hiring out your motorhome for reward (including for any short- term booking arrangement), unless you have purchased the optional ‘Hire use cover’ and this is shown on your schedule. Illegal drugs and other chemical or poisonous substance any unintentional or intentional use, existence or contamination by or of: • illegal drugs including but not limited to the manufacture, storage, use, possession, consumption or distribution of any illegal drugs (or illegal drug precursors); • any other chemical or poisonous substance. Incorrect fuel usage loss or damage to your motorhome (including damage to your motorhome’s engine or fuel system) caused by the incorrect type of fuel being used. Intentional or deliberate acts an intentional or deliberate act by: • you or a member of your family; • a person who shares ownership of your motorhome; • a person acting with your encouragement, assistance or express or implied consent; • a person authorised by you to drive or occupy your motorhome. 25
You are not covered under any section of this policy for
damage, loss, cost or legal liability that is caused by or
arises from or involves:
Lighting or heating elements, fuses or protective devices
lighting or heating elements, fuses or protective devices.
Loss or damage outside Australia
loss or damage that occurs outside Australia.
Mechanical, structural, gas, electrical and other failures
mechanical, structural, gas, electrical or electronic breakdown,
failure or breakage (except to the extent covered under the
additional cover ‘Mechanical breakdown towing’ on page 47).
Misplaced
any item being misplaced.
Motor sports or similar activities
your motorhome being driven or used in racing, pacemaking, a
reliability trial, a speed or hill-climbing test or while being tested
in preparation for any of these.
Named cyclone
loss of or damage to your annexe or contents kept in your
annexe that is caused by a named cyclone, if your annexe does
not have hard walls and a hard roof.
Power surge
power surge, unless the loss or damage caused by the surge is
covered under additional covers:
• 'Motor burnout' (see page 48);
• 'After claim expenses' (see page 43).
Radioactivity/nuclear materials
• radioactivity or the use, existence or escape of nuclear fuel,
nuclear material or waste;
• action of nuclear fission including detonation of any nuclear
device or nuclear weapon;
• any action taken by a public authority to prevent, limit or
remedy the actual or threatened release of any radioactive or
nuclear materials;
• any looting or rioting following these incidents.
Reckless act
any reckless act by you, or by the driver of your motorhome or
by any person acting with your knowledge of and express or
implied consent to the reckless act (such as illegally using a
mobile phone or speeding).
26You are not covered under any section of this policy for damage, loss, cost or legal liability that is caused by or arises from or involves: Repairs done without consent repairs that are done without first getting our consent, but we will cover certain repairs under additional cover ‘Emergency repairs’ (see page 36). Replacement of non-damaged parts the replacement of non-damaged parts which includes items that are part of a whole set when the loss or damage occurred to only part of that set (such as alloy wheels and tyres). Revolution, war • revolution, hostilities, war or other acts of foreign enemy, warlike activity (whether war is declared or not), military coup; or • any looting or rioting following these incidents. Roots of trees, shrubs and plants the roots of trees, shrubs or plants, but we will cover damage to the motorhome caused by: • liquid leaking or overflowing from pipes or drains that are blocked or damaged by these roots to the extent covered under an insured incident; • roots from a fallen tree to the extent covered under an insured incident. Sale of a motorhome, annexe or contents • loss (including theft) of your motorhome, annexe or contents (or the proceeds of sale) by a person authorised to offer your motorhome, annexe or contents for sale; • loss (including theft) of your motorhome, annexe or contents (or the proceeds of sale) following a private sale transaction; • loss of your motorhome, annexe or contents (or the proceeds of sale) as a result of the bankruptcy or insolvency of a person authorised to offer your motorhome, annexe or contents for sale. Sanctions any payments (including refunding a premium) or the provision of any services or benefit to you or to any other party to the extent that such cover, payment, service or benefit would contravene or otherwise expose us to any penalty, sanction, prohibition or restriction under any applicable United Nations resolutions or trade or economic sanctions, law or regulation of Australia, New Zealand, the European Union, United Kingdom or United States of America. 27
You are not covered under any section of this policy for
damage, loss, cost or legal liability that is caused by or
arises from or involves:
Stone chips/tar flecks
stone chips or tar flecks from the road.
Test drives
loss or damage to your motorhome while it is being
demonstrated for private sale but we will pay a claim if your
motorhome is being demonstrated for private sale and you or a
disclosed driver are a passenger in your motorhome.
Theft, attempted theft or malicious damage
theft, attempted theft or malicious damage to your motorhome,
annexe or contents by someone who is using, or in, your
motorhome or annexe with your consent.
Theft or attempted theft from your motorhome or annexe
or of fixtures and fittings of your motorhome
theft or attempted theft from your motorhome or your annexe,
or of fixtures and fittings of your motorhome, if:
• it is not securely locked;
• there is no physical evidence of forcible or violent entry.
Towing a damaged trailer
your motorhome is being used to tow a trailer that is known
or should have been known to be unsafe or unroadworthy,
unless it can be proved that this did not contribute towards the
damage, loss, cost or legal liability.
Tyres
damage to your motorhome’s tyres caused by braking,
punctures, road cuts or bursting.
Unattended motorhome
theft or damage to your motorhome if the motorhome is left
unattended, unlocked and with the keys left in the motorhome.
Unlawful purposes
your motorhome being used for unlawful purposes (such as
a criminal act) by you or for which you gave encouragement,
assistance or consent (either expressly or impliedly).
28You are not covered under any section of this policy for damage, loss, cost or legal liability that is caused by or arises from or involves: Unlicensed driving your motorhome being driven by, or is in the control of someone who is not licensed, not correctly licensed or not complying with the conditions of their licence, but we will pay a claim for you (but not the driver or person in charge of your motorhome) if you: • were not the driver or person in control of your motorhome at the time of the incident; and • did not give encouragement, assistance or express or implied consent to the driving or the incident; and • can establish that you did not know and could not have reasonably known of any of the above circumstances; and • can establish that the non-compliance, failure to be licensed or not correctly licensed was not a contributing factor in the incident. Unregistered motorhomes your motorhome being driven while it is unregistered, unless the loss, damage, cost or legal liability was not caused by or did not result from your motorhome being unregistered. Unrelated damage damage not caused by the incident you are claiming for. 29
We do not cover legal liability for or caused by or arising
from:
• the death of or bodily injury to:
– you or a family member;
– any person covered by this policy;
– any person related to you or related to a person covered by
this policy;
– any person who usually lives with you or with any other
person covered by this policy;
– any person who resides at the address shown on your
schedule;
– your employees or the employees of any other person
covered by this policy if the incident that gives rise to the
liability arises out of or in the course of their employment.
• loss or damage to property owned or controlled by you, a
family member or your employer or their employees;
• legal liability that is required to be insured under any
compulsory third party or motor accident injuries insurance
scheme laws;
• any workers compensation legislation, industrial award or
agreement, or statutory accident compensation schemes;
• the ownership, custody, or use of any lift, aerial device or
aircraft (except model aircraft or toy kites), aircraft landing
area, boat exceeding 3 metres in length (except canoes,
surfboards, surf skis or sailboards) or motorised watercraft in
excess of 10 horsepower;
• the ownership of land, buildings or structures;
• hiring your motorhome for reward;
• any penalties, fines or punitive, exemplary, multiple or
aggravated damages;
• legal actions or legal claims brought against you, decided in,
heard in, or applying a law of any country outside Australia or
New Zealand.
304
WHAT WE COVER –
THE DETAILS
In this section, we tell you about our cover for
loss or damage to your motorhome and your
cover for legal liability.
31Accidental loss or damage cover
We Accidental loss or damage to your motorhome
cover caused by an incident in the period of insurance.
Examples of incidents include hail, storm (including
cyclone), flood, fire, theft or attempted theft,
malicious damage or vandalism, collision or impact.
We Anything in section 3 ‘Things we don’t cover’, see
don’t pages 20 to 30.
cover
Limit The most we will pay for your motorhome for any
one incident is the amount insured shown on your
schedule, unless we say otherwise in your policy.
For examples of how we settle motorhome claims, see
section 8 ‘How we settle claims – some examples’ on
page 67.
Legal liability cover
Motorhome legal liability cover
We We will cover you or anyone you authorise to
cover drive your motorhome for legal liability to pay
compensation for loss or damage to another
person's vehicle or property (not yours), resulting
from an incident caused by the use of your
motorhome in the period of insurance.
Some examples of legal liability we cover include:
• your legal liability for damage to another vehicle
arising from an incident caused by the use of
your motorhome;
• your legal liability for property damage because
a vehicle collided with or tried to avoid colliding
with:
– property falling from your motorhome;
– p
roperty being loaded or unloaded from your
motorhome;
• your legal liability for the cost of repairing public
property, such as road signage, after an accident
caused by the use of your motorhome.
If we cover your legal liability under this section,
we will also cover your legal liability for the cost of
clean up by emergency services after the incident
caused by the use of your motorhome.
We will also cover you for associated legal costs.
We need to first agree to pay the legal costs before
they are covered.
32We • anything in section 3 ‘Things we don’t cover’, see
don’t pages 20 to 30.
cover • a claim for Motorhome legal liability if we have
accepted your claim under Personal legal liability
cover.
Limit The most we will pay for all claims from any
one incident for legal liability covered under this
Motorhome legal liability cover is $20 million,
including all associated legal costs.
Personal legal liability
We Your legal liability or the legal liability of a
cover family member using your motorhome with your
permission to pay compensation for loss or
damage to property owned by someone else or
for the death of, or bodily injury to, another person
resulting from an incident which happens during
the period of insurance caused by:
• you; or
• the family member,
if you or the responsible family member is
temporarily or permanently residing in your
motorhome at the time of the incident.
We will also cover you for associated legal costs.
We need to first agree to pay the legal costs
before they are covered.
We • anything in section 3 'Things we don't cover', see
don’t pages 20 to 30;
cover • a claim for Personal legal liability if we have
accepted your claim under Motorhome legal
liability cover;
• a claim for Personal legal liability that is covered
by an existing home or contents insurance policy
which you have not entered into in your name.
Limit The most we will pay for all claims from any
one incident for legal liability covered under
this Personal legal liability cover is $20 million,
including all associated legal costs.
335
ADDITIONAL COVERS THAT
COME WITH YOUR POLICY
When a claim for loss or damage to your
motorhome is covered, you may be entitled to
the additional cover in this section. The limits
shown are paid in addition to the amount
insured, unless stated otherwise. Some
covers can also be claimed on independently
to a claim for loss or damage to your
motorhome, as shown. All of the conditions
of your policy and the ‘Things we don’t cover’
in section 3 on pages 20 to 30 apply to the
additional covers.
In some cases, we may provide an additional cover
to you before your claim for loss or damage to your
motorhome is confirmed as covered under your policy.
This does not mean that your claim has or will be
covered or that your claim will be paid.
34New motorhome after a total loss for motorhomes less
than 2 years old
We If your motorhome is stolen or damaged in an
cover incident covered by your policy and your claim
is accepted as a total loss, we will replace your
motorhome, if:
• you are the first registered owner of your
motorhome (or you purchased your motorhome
as an ‘ex-demonstration’ model from a licensed
motorhome dealer who was the first registered
owner of the motorhome); and
• the loss or damage to your motorhome occurred
less than 2 years from the date of original
registration; and
• anyone who financed your motorhome provides
us with written consent.
We will:
• replace your motorhome with a new motorhome
of the same or similar make, model and series
including similar fixtures and fittings, standard
equipment, tools and spare parts, accessories,
modifications, optional extras, gas cylinders of
your motorhome provided a new motorhome
is available within 90 days of us deciding your
motorhome is a total loss; or
• if one is not available within that time, we will
provide you with a new motorhome that is
available within the time stated above and which
is a similar make or model to your motorhome;
and
• pay the initial stamp duty, registration for the
first 12 months, compulsory third party/motor
accident injuries insurance and dealer delivery
charges applicable.
Your policy will continue until its expiry date.
The replacement motorhome must be locally
available. If it is not locally available, not available
within the conditions listed above, or if you
disagree with our choice, we will pay you the
motorhome amount insured shown on your
schedule, less applicable deductions (see page
64). All cover under your policy stops and your
policy comes to an end. There is no refund of the
premium. For full details of how we settle total loss
claims see page 63.
We The cost of replacing or purchasing an extended
don’t warranty.
cover
35Towing and storage costs
We When your motorhome is damaged in an incident
cover covered by your policy and as a result of the
damage to your motorhome, it is not roadworthy
or safe to drive or needs to be held in storage, we
cover the reasonable costs of:
• one tow transporting your motorhome to your
nearest repairer;
• storing your motorhome.
We Storage costs for any period before your claim is
don’t lodged (unless you were not in a position to lodge
cover the claim around the time of the incident) or after
your claim is settled or declined.
Limit One tow from the scene of the incident. You will
need to provide us with all invoices and receipts.
Emergency repairs
We When your motorhome is damaged in an
cover incident covered by your policy and as a result
of the damage it cannot be driven, we will cover
emergency repairs that are required to allow you to
drive your motorhome to your destination (such as
to a repairer or to your home).
Limit You can authorise reasonable costs up to $1,000
on our behalf for any one incident.
You will need to provide us with all invoices and
receipts.
36Returning your motorhome or contents to you
We After repairs
cover When your motorhome is damaged in an incident
covered by your policy and the repairer’s premises
are more than 100 kms from your usual home, we
will pay the reasonable costs of:
• your travel expenses to collect your motorhome;
or
• returning your motorhome to you after repairs
have been completed.
After theft and recovery
If your motorhome is stolen and recovered and
the theft is covered under your policy, we will pay
the reasonable costs to return your motorhome
to the place where it is normally parked or to you,
whichever is closer.
For contents
We will pay to transport your contents to your
usual home when:
• we pay a claim for the total loss of your
motorhome;
• your motorhome is more than 100 kms from
your usual home at the time it becomes a total
loss; and
• you are unable to transport the contents to your
usual home yourself.
We We will not pay for repairs to the motorhome if
don’t the repairs in addition to the cost of delivery and
cover the salvage value exceed the amount insured. The
motorhome will be treated as a total loss.
Limit For contents
Up to $1,000 in total to transport the items of
contents for any one incident.
You will need to provide us with all invoices and
receipts.
After repairs or After theft and recovery
We will pay the reasonable costs of:
• your travel expenses to collect your motorhome
(after repairs); or
• returning your motorhome to the place where it
is normally parked or to you, whichever is closer.
37Hire of a vehicle following a theft
We If your motorhome is stolen, and the theft is
cover covered by your policy, we will reimburse you for
the reasonable cost of hiring a vehicle that meets
your transport needs when the theft occurs more
than 100 kms from your usual home or the address
where your motorhome is normally parked overnight.
Limit Up to $100 per day and $1,500 in total for any
one incident.
This cover stops when:
• your motorhome is recovered undamaged; or
• the repairs to your motorhome have been
completed and your motorhome has been
returned to you; or
• we settle your claim.
Note: The benefits of this cover are subject to the 'Hire
vehicle conditions' on page 39.
Hire of a vehicle following an incident
We When your motorhome is damaged in an incident
cover covered by your policy (other than theft) more than
100 kms from your usual home or the address
where the motorhome is normally parked overnight,
and is unable to be driven or is in need of repair, we
will reimburse you for the reasonable cost of hiring
a vehicle that meets your transport needs, from the
date your motorhome is left at the repairers.
We We do not provide cover:
don’t • if the loss or damage was caused by you being
cover at fault; or
• if the loss or damage was caused by a penalty
claim; or
• if your hire vehicle is stolen.
Limit Up to $100 per day and $500 in total for any one
incident.
This cover stops when:
• the repairs to your motorhome have been
completed and your motorhome has been
returned to you; or
• we settle your claim.
Note: The benefits of this cover are subject to the 'Hire
vehicle conditions' on page 39.
38This section applies to your hire vehicle Insurance for your hire vehicle After arranging a hire vehicle for you with our provider, we will cover accidental loss or damage to the hire vehicle and third party property liability under this policy during the covered hire period as if the definition of ‘motorhome’ in the policy had been extended to include the hire vehicle. However, cover for loss or damage to the hire vehicle is limited to the market value of the hire vehicle. Hire vehicle conditions Where you are making a claim under any hire vehicle benefit you: • may be required to enter into a hire agreement with the hire vehicle provider; • are required to collect the hire vehicle from and return it to the place nominated by us or the hire vehicle provider; • may not be able to use the hire vehicle for ridesharing activities; • are responsible for all running costs and extras of the hire vehicle, including paying the deposit, security bond, fuel and any upgrade costs; • agree and authorise us to lodge a claim on your policy in the event that the hire vehicle is lost or damaged whilst on hire to you and we insure you pursuant to the cover provided under ‘Insurance for your hire vehicle’; • are responsible for arranging and paying all hire vehicle costs for any period you continue to use the hire vehicle beyond the covered hire period; and • are required to refund to us any costs (including any insurance costs) we incur for the hire vehicle, if you withdraw your claim or your claim is not payable under your policy. 39
Travelling expenses
We If your motorhome cannot be driven following
cover damage in an incident covered by your policy, we
will pay the reasonable travel costs for you and
your travelling companions who are travelling and
staying in your motorhome with you, to get from
the place the incident occurred to your usual home
if the incident occurred more than 100 kms from
your usual home.
We If you claim under the 'Hire of a vehicle following
don’t a theft' or 'Hire of a vehicle following an incident'
cover additional covers (see page 38) we do not provide
any cover under this cover.
Limit Up to $3,000 in total for any one incident. You will
need to provide us with all invoices and receipts.
Your liability under maritime law
Note: You can make a claim under this cover independently
of a claim for loss or damage to your motorhome.
We If you are travelling with your motorhome by sea
cover between places within Australia, we will cover your
liability under maritime law for the following:
• general average. General average means that
if a ship’s captain finds it necessary to sacrifice
some of the cargo to save the ship, the owners
of the remaining cargo must contribute towards
the loss suffered by the other owners; and
• salvage charges. Salvage charges means costs
incurred in recovering a marooned or disabled
ship.
You may be liable for these costs even if your
motorhome is not damaged.
Limit Up to the amount insured for your motorhome
shown on your schedule.
40Temporary accommodation – if your motorhome is not
your usual home
We If your motorhome is not your usual home and it
cover is stolen or damaged in an incident covered by
your policy, and as a result it cannot be driven or
is not fit for use as accommodation, we will pay
the cost of temporary accommodation for you and
your travelling companions who are travelling and
staying in your motorhome with you.
We We do not cover accommodation costs If your
don’t motorhome is less than 100kms from your usual
cover home at the time of the incident.
This cover ceases when the motorhome has been
replaced, the repairs have been completed or we
settle your claim.
Limit Up to $150 per day, and up to $2,100 in total for
any one incident.
Temporary accommodation – if your motorhome is your
usual home
We If your motorhome is your usual home and it is
cover stolen or damaged in an incident covered by
your policy, and as a result it is not fit for use as
accommodation, we will pay the cost of temporary
accommodation for you and your family who
normally live in the motorhome with you.
We This cover ceases once the motorhome has been
don’t replaced, the repairs have been completed or we
cover settle your claim.
Limit Up to $150 per day, and up to $4,500 in total for
any one incident.
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