Owners Night Handouts

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The 5 Stages of a CampingHoliday Sha

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Working With Dealers



Growthwise We’re not your average nerdy, pen behind–a–desk small b

n pushing, number crunching, sit–business accountants.

Know the Numbers FAQ’s 1. Do I need an ABN?/Register for 2. Will this impact my pension? 3. What do I get to claim as deduct 4. What happens for Tax if I use it p 5. Is there a way to calculate my in 6. What paperwork do I need? 7. Who pays the tax? 8. Where do I put this income in my CASE ST

r GST? tions? personally?ncome and deductions? y tax return?TUDY

case studyThe Chief decides to purchase an RV with his wife Pam. They are going to usethe RV for 8 weeks of holidays during the year with their 3 kids.The rest of the time the RV will be listed on Camplify’s website for Hire. The Chiefhires his RV at $650 per week for 22 weeks of the year on Camplify.Let’s take a look at the tax position for The Chief and Pam.Income $14,30022 Weeks x $650 per weekExpensesPrivate Use CalculationNumber of Days Listed 309Number of Days in the Year 365Camplify Use % 85%EXPENSES TOTAL APPORTIONEDListing Fees Direct 715 $715.00Camplify Premium Membership Direct 936 $936.00Depreciation on RV Apportion 3000Interest on Finance Apportion 1625 $2,550.00Registration Apportion 700 $1,381.00Repairs & Servicing Apportion 1260Cleaning Direct 300 $595.00Storage Apportion 1140 $1071.00Mobile Phone - Monthly Bill 90 108Home Internet - Monthly Bill 60 72 $300.00Home Office - Hours Per Week 10 234 $969.00 $108.00Total Expenses $72.00 $234.00 $8,931.00You can see some of the above expenses are Direct and don’t need to be apportioned as theyare only related to hiring out the RV, whereas some of these costs need to be apportioned asthey are expenses of the RV that you are using for both personal and Camplify.TAXABLE INCOME $5,369.00The Chief and Pam need to include the following in their personal Income Tax Returns:Income $7,150 (50% of Total Income)Expenses $4,465 (50% of Deductible Expenses)

tax & camplifyh HELPING YOU TO UNDERSTAND This FAQ document has YOUR TAX OBLIGATIONS been prepared by Growthwise for Camplify Owners.www.growthwise.com.au

CONGRATULATIONSCongratulations on joining the Camplify sharing economy andon putting your caravan to work for you! Camplify has createdan amazing opportunity for caravan & camper owners to earnextra income when their RV’s are not in use as well as creatingbusiness opportunities.As with everything in the sharing economy there are taxobligations to earning this income. We’ve put together this handyFAQ guide to help guide you through the top tax questions.Do I need an ABN? What do I get to claim asOr to register for GST? deductions against my Camplify Income?Great news! We’ve had the ATO give specificadvice for owners who hire on the Camplify The good news is, even though you havewebsite, and you don’t need to worry about to pay tax on the income you earn fromhaving an ABN if your RV is available to you hiring out your RV, you also get to claimfor private use. tax deductions on the expenses associatedThe only time you need to apply for an ABN with your RV as well.is if you are carrying on a business of hiringout RV’s. If your intention of purchasing Everything you pay for the RV becomes athen renting a RV is to purely make a profit, tax deduction. Here’s a list of the expensesif you have multiple RV’s, have a business we’d expect you to have:name setup or are managing RV’s for othersthen you will certainly be carrying on a • Depreciation on RV - this is a deductionbusiness and will need to have an ABN. for a portion of the purchase costs eachIf you are carrying on a business you will year based on the expected lifetimeneed to register for GST if your turnover is of the RV. The ATO’s guidance on themore than $75k in the year. The income you lifetime for a caravan is 12 years.earn via Camplify needs to be added to anyother income you earn with other business • Interest on RV financeactivities to determine if you are over the • Repairs & maintenance$75k threshold. • Insurance • Hospitality & consumablesWill this impact • Cleaningmy pension? • Management fees • StorageThe short answer is yes, if your income is • Transport (motor vehicle expenses)higher than your expenses. Centrelink are • Advertisingtracking all income you earn, including • Softwarefrom the sharing economy. Whether your • Mobile phoneCamplify income has a negative impact on • Internetyour pension will depend on your other • Home office expensesincome, your assets and the level of incomeyou earn from Camplify. Remember your Some of your expenses will relate directlytax return shows the NET amount you to hiring it out. For example cleaning,earn, ie after deductions of Insurance, vehicle expenses in transporting the RV,Registration, Interest etc. There are many premium membership fees. You can claimfactors to think about here, including the 100% of these costs as tax deductions.fact you may make more money from hiringyour RV on Camplify! Other expenses relate to the overall ownership of the RV and should be apportioned between personal use vs Camplify use. This would be for things like insurance, registration, storage & depreciation.

What happens for tax if I Who pays the tax?use the RV personally? The easy answer is whoever owns the RV.If you are using your RV personally a few If you own the RV in your personal nameweeks of the year you need to ensure you then you will include the income andare splitting your costs between personal expenses in your personal return.and tax deductible use. If you own the RV in joint names you willThe ATO have provided a worked example split the income and expenses betweenof how you would apportion the expenses. each of you. If your RV has been purchasedIf you have a caravan listed on Camplify in a Trust or a Company then the Trust andfor 42 weeks of the year but also use the or Company reports the incomecaravan yourself for 8 weeks of the year and expenses.then your Camplify use will be 80%That means you can claim 80% of your How much tax do I pay?depreciation, interest, insurance, repairs etcand 100% of your costs that are only related That depends on a lot of things, who ownsto hiring your RV. the RV, how much other income you earn and whether your costs are more thanIs there an easy way to your income.calculate my income & If your costs are more than your income,deductions? then you won’t pay any tax at all. If your income is more than your costs then youSure is! will pay tax on the difference.Camplify have an amazing calculator for For those of you who own the RV personallyyou to use. This calculator will apportion if you have no other income and haveyour personal vs business deductions and only earned $10k from Camplify then yougive you the total you need to put in your won’t pay any tax at all. If you have $50k oftax return each year. salary income and earn $10k after expensesAll you need to do is enter the number of from Camplify then you will pay $3,450 taxdays your RV has been hired as well as your (based on 17-18 tax rates & assuming youassociated costs. Camplify will do the rest. have no HELP debts). The tax part really depends on yourWhat paperwork do personal circumstances, so it’s important ifI need to keep? you are unsure to get some advice in this area.The best way to maximise your taxdeductions and minimise tax is to keep Where do I putgood records. That means keeping the this income in myreceipts for everything you spend for the tax return?RV, purchase documents, registration,insurance etc. You can use whatever system The income and expenses you earn needworks best for you, whether it’s software or to be reported in your tax return. The ATOa spreadsheet to add up the costs at the are aware that the sharing economy is anend of the year. evolving space and will be making changesFor your income, there’s no need to keep to the tax return forms in the future to allowrecords. Instead you’ll be able to download for greater flexibility.reports showing your income from your For now they have advised that you shouldCamplify account. report the income at the “other income”We always suggest simply setting up label of the tax return… and the expensesanother bank account for your RV and at the “other deductions” label.ensuring all income from Camplify goesinto this account as well as all expensesare paid from this account. That’s theeasiest way to keep track of everythingin the 1 spot.

Fact sheet for the owners who list their Recreational Vehicle for rent orhire on a websiteRenting or hiring your RecreationalVehicle**Recreational Vehicle includes caravan, campervan, motor home or camper trailerThe payments you receive from renting or hiring out of your enterprises together is, or is expected to be,your recreational vehicle (RV) through a website (such $75,000 or more per year.as Camplify) are assessable income. For further information regarding GST, refer to the ATORenting or hiring your Recreational (GST) websiteVehicle Claiming expensesWhen you rent or hire your RV in a peer to peer RVsharing arrangement you: You can claim expenses for income tax purposes as long as: will need to declare all income earned at the ‘Other income’ label in your tax return they are directly related to the renting or hiring of are entitled to claim certain expenses as your RV deductions you keep records, such as receipts, to back up need to keep records of the income received and of your claims. the expenses you can claim as deductions may need to pay goods and services (GST) on Your expenses may include: amounts you earn. membership/listing feesPaying income tax on amounts Insurancereceived from renting/hiring your RegistrationRecreational Vehicle Storage fees InterestIf you rent or hire out your RV that you own or lease, Cleaningthe payments you receive are assessable income. If Car expenses (in cases whereby you tow theyou own the RV jointly then you declare income and caravan to the designated site)claim expenses in proportion to your share of Depreciation of the RVownership. Apportioning the expensesDo you need to get an ABN andregister for and pay GST? If you rent or hire out your RV and also use it for private purposes, your expenses are apportioned according toIf you are already registered for GST, you can claim a income earning and private use. You cannot claimGST credit for any GST included in the price you pay deductions for the proportion of expenses that relate tofor things that you use for your RV sharing enterprise. If the private use.the expense also relates to personal use of your RV,you will need to apportion. Also, for expenses over Private purposes include use by you, your family, your$82.50 you will need to hold a valid tax invoice. relatives and your friends free of charge. It also includes the periods where the RV is not rented.If you are not registered for GST and you are carryingon an enterprise of renting out RV’s, you need to get an If your RV is rented out to family, relatives or friends atABN and register for GST if your GST turnover from all below market rates, your deductions for that period are limited to the amount of rent received.

Example 1 – Partly private use RV Income Tax ReturnMary and John purchased a RV for their personal use Mary and John’s income and deductions for the yearand completed an initial long trip around Australia. They are as follows:store the RV at their home and occasionally theirgrandson stays in it when he visits. They are now Income received $10,000finding that they do not use it very often and theirrelatives are using it a lot. They have decided to rent it Deductions $ 3,100out for extra income when they are not using it. They Total Income $ 6,900use Camplify to advertise it for rent during the year. Mary and John own an equal share in the caravan (50%Mary and John use the RV themselves for 6 weeks each).during the year to go on holidays. They hire it out for 26weeks of the year to paying renters. Mary and John’s They will each need to include $5,000 at the ‘Otherincome producing use during the year is 50%. They income’ label and $1,550 at the ‘Other deductions’can claim 50% of their general RV costs (for the period label.of time it is rented out) and 100% of costs directlyrelating to their renting, such as membership fees. It is important that Mary and John keep records of their income and expenses, such as statements fromExpenses directly related to earning rental income are Camplify and other invoices.100% deductible and include: Example 2 – Investment RVs • membership/listing fees • cleaning Byron lives in Dubbo and has decided to invest in RV’s • car expenses in transporting RV to destination and advertise them on the Camplify website to earn income. Brian has researched the market and foundThe following expenses need to be apportioned for that North Sydney is a popular area for RV rentals. Heprivate use: stores three RV’s in North Sydney that are available for rent and he does not use the RV’s privately. Byron’s tax • Storage fees obligations are the same as John and Mary’s, however • Lease payments or interest and depreciation in calculating his taxable percentage of expenses such • Insurance as storage fees and depreciation he can use a 100% • Registration proportion in the calculation. Byron may also need to register for GST if his turnover is, or is expected to be,During the year, Mary and John’s expenses directly $75,000 or more per year.related to RV sharing are $1600. Expenses related tothe RV are $3,000. The income producing proportion of If you need more information?those expenses is $1,500 (50% of $3,000). Theallowable deductions for the RV are $3,100. If you wish to discuss your circumstances, call the ATO on 13 28 61Mary and John receive $10,000 from renting out thecaravan during the year. For a call back from an ATO officer, email [email protected] commitment to you If you feel that this publication does not fully cover your circumstances, or you are unsure how it applies to you, you can seek further assistance from us.We are committed to providing you with accurate, consistent and clearinformation to help you understand your rights and entitlements and meet your This publication was current at November 2017.obligations. © Australian Taxation Office for theIf you follow our information in this publication and it turns out to be incorrect, or it is Commonwealth of Australia.misleading and you make a mistake as a result, we must still apply the law correctly.If that means you owe us money, we must ask you to pay it but we will not charge You are free to copy, adapt, modify, transmit and distribute this material as you wishyou a penalty. Also, if you acted reasonably and in good faith we will not charge you (but not in any way that suggests the ATO or the Commonwealth endorses you or anyinterest. of your services or products).If you make an honest mistake trying to follow our information in this publication and Published by:you owe us money as a result, we will not charge you a penalty. However, we will ask Australian Taxation Officeyou to pay the money, and we may also charge you interest. If correcting the mistake Canberrameans we owe you money, we will pay it to you. We will also pay you any interestyou are entitled to. Reference Number 1-CXSXHAJ

Call1300416133Sharethecaravanlove LookingtomaximiseyourRVhires? YouneedPremium support. TheCamplifyPremiumMembershiphasbeendesignedtoprovideRVowners,and existingRVhirebusinesses,withaseamlesssolutiontomaximisinghiresandbusiness efficiency. AtCamplify,weunderstandthatrunninganRVhirebusinesscanbehard—especiallywhenyou'reonyourown.That'swhywebuiltourPremiumMembership;abusiness-ina-box typesolutionthatcomeswitheverythingyouneedtohireoutyourRVswithease. Herearejustafew ofthemembershipinclusions Fullcomprehensive CompleteIDverification, Completehiringterms&insurancespecificallyforRV reducingrisk conditions hiring Afully-optimised& managedwebsiteCompletemanagementof IntegrationwithXeroanydamageissues,saving accountingtoimproveyour youtime bookkeeping www.camplify.com.au

Sowhat'sincludedin Wecoveralltypes Premium Membership? ofRVsinPremiumAccesstothePremiumMemberinsurancepolicy,covering MembershipyourRVcomprehensivelyforbothpersonalANDhireuse.On-pageSearchEngineOptimisation(SEO)forupto5 RVvalue $62pagesofcontentonyourwebsite. $10k-$30kYourRV(s)becomefeaturedontherelevantCamplify permonthTourismWebpage.AGoogleMyBusinessaccount.FacebookandInstagramPagesetup/training.IntegrationwithXeroAccounting. RVvalue $79 $30k-$60kYearlyfeatureintheCamplifyemailnewsletter,reaching permonthover25,000holidaymakers. RVvalueAdedicatedmobileresponsiveWordpresswebsitebuiltfor $60k-$100k $129youonyourchosendomain(basedonourtemplates.Ablogarticleandsocialmediashoutouttopromote permonthyourRV(s)andbrand.1BecomelistedontheAustralianTourismdatabase. RVvalue $199Completeonlinepaymentandprocessingsystemwithno $100k-$150k permonthprocessingfees.500flyersforyourbusiness(basedonourtemplates).PremiumNRMARoadsideAssistanceforallhires.DedicatedCamplifyPremiumMemberaccountmanager.$125GoogleAdwordscredittogetyoustarted.PremiumGumtreelisting(s)andenquirymanagement.15% offonallCamplifystoreproducts(exceptgiftvouchers).Plusmore!

Insurance ProductDisclosure Statements Please Note: Camplify is not the end insurance provider. Premium Member Insurance Per Day Top Up Insurance

Camplify PremiumMember FleetInsurance PolicyProduct Disclosure StatementThis Product Disclosure Statement contains the Commercial MotorInsurance Policy terms and conditions.You should read all sections of this Product Disclosure Statementbefore making a decision to acquire this financial product.Underwritten by QBE Insurance (Australia) LimitedABN 78 003 191 035 AFS Licence 239545

CONTENTS Claims 1 ExcessesAbout this booklet 2 Other terms 16Important information 3 17Significant benefits and features 3 18The cost of this Policy 3How to make a claim 3The General Insurance Code of Practice 3Cooling off information 3Privacy 3Resolving complaints & disputes 4How to contact QBE's CCU, FOS or the OAIC 4Financial Claims Scheme 4Policy Wording 5Our agreement 5Paying your premium 5Words with special meaning 5Types of Cover 61. Comprehensive cover 62. Third party property damage including fire and theft cover 63. Third party property damage cover 64. Own damage cover 65. Fire and theft only cover 6Section 1 – Loss, damage or theft of your motor vehicle 7Cover 7Basis of settlement 7Salvage 7Unavailable parts 7Financier 7Section 2 – Third party liability (applicable to registered motorvehicles only) 7Cover 7Basis of settlement 8What we do not cover 8Additional benefits applying to the Policy 8Applicable to comprehensive cover, third party property damage includingfire and theft cover and third party property damage cover 8Applicable to comprehensive cover or third party property damageincluding fire and theft cover only 8Applicable to comprehensive cover only 9Applicable to third party property damage including fire and theft coveror third party property damage cover only 11Special clauses 12General exclusions 13Sanctions exclusion 13Additional exclusions 13General conditions 15Changes to your circumstances 15Date of preparation: 4th January 2016Date effective: 12th February 2016QM2575-0216

2About this bookletThere are two parts to this booklet. The first part is Important Informationabout this Policy including information about how we’ll protect your privacyand how to make a complaint or access our dispute resolution service.The second part is your Policy Wording which sets out the detailed terms,conditions and exclusions of the Policy.Because we don’t know your own personal circumstances, you should treatany advice in this booklet as purely general in nature. It doesn’t consideryour objectives, financial situation or needs. You should carefully considerthe information provided with regard to your personal circumstances todecide if it’s right for you.This booklet is also a Product Disclosure Statement (PDS). Other documentsyou receive may comprise the PDS. You'll know when this happens becauseit'll say so in the document.We may need to update information in this PDS. If we need to do this, we’lleither send you a new PDS or a supplementary PDS. You can also get acopy of these simply by calling us.For more information or to make a claimPlease take the time to read through this booklet and if you have anyquestions, need more information or to confirm a transaction, please contact:Full details of what you must do for us to consider your claim are providedin the ‘Claims’ section at the end of this booklet. To make a claim under thisPolicy please contact:

Important information 3The information provided in this section includes high level information The cost of this Policyabout this Policy including your duty of disclosure, privacy, how to make aclaim, our dispute resolution process and other relevant information. This Premium is what you pay us for this Policy and it's made up of the amountsection may also set out other information such as options in cover you we've calculated for the risk and any taxes and government charges.can choose from, factors that affect the cost and any cooling off rights. When calculating your premium we take a number of factors into account,The Policy Wording section sets out the detailed terms, conditions and including:exclusions relating to the insurance. 1. the type of motor vehicles you operate;If we issue you with a Policy, you will be given a Policy Schedule. The Policy 2. which sections you elect to take and the sum insured;Schedule sets out the specific terms applicable to your cover and should 3. your claims history;be read together with the Policy Wording. 4. if you elect to have a higher or lower excess where this is an option;The Policy Wording and Policy Schedule form your legal contract with us andso please keep them in a safe place for future reference. You should check 5. the age and experience of the drivers.the Policy Schedule, or renewal schedule if you are issued one, when youreceive it to ensure it accurately states what you have insured. How to make a claimSignificant benefits and features Full details of what you must do for us to consider your claim are provided in the ‘Claims’ section at the end of this booklet. To make a claim under thisThis Policy provides protection against accidental damage to the motor Policy please contact:vehicles used in your business. In addition, cover for the liability that mayarise where these motor vehicles are involved in an accident. The General Insurance Code of PracticeThe table below provides a summary of the key types of cover available QBE Australia is a signatory to the General Insurance Code of Practice.under the Policy. For full details of the cover provided, including anyexclusions or general conditions that may apply, please refer to the section The Code aims to:titled \"Types of Cover\" in the Policy Wording. There are also additionalbenefits you can purchase to better meet your business needs. Commit us to high standards of service Promote better, more informed relations between us and youYour Policy Schedule will show the cover and options you have chosen. Maintain and promote trust and confidence in the general insurance industryType of cover Short description Provide fair and effective mechanisms for the resolution of complaints and disputes between us and youComprehensive Cover for damage to your motor vehicle for Promote continuous improvement of the general insurance industry loss, damage or theft of your motor vehicle through education and training. and the liability to third parties for property damage caused by your motor vehicle. Cooling off informationThird party property Cover for damage to your motor vehicle if it If you change your mind within 21 days of buying your Policy, you can canceldamage including fire is stolen or damaged by fire and the liability to it and receive a full refund. Naturally, this doesn’t apply if you've made orand theft third parties for property damage caused by are entitled to make a claim. Even after the cooling off period ends, you still your motor vehicle. have the right to cancel your Policy. However, we may deduct some costs from any refund, as set out in the Policy Wording under 'Cancelling yourThird party property Cover for liability to third parties for property Policy'.damage only damage caused by your motor vehicle. Privacy No cover for loss or damage to your motor We’ll collect personal information when you deal with us, our agents, other vehicle. companies in the QBE group or suppliers acting on our behalf. We use your personal information so we can do business with you, which includes issuingOwn damage Cover for damage to your motor vehicle for and administering our products and services and processingFire and theft only loss, damage or theft of your motor vehicle. claims. Sometimes we might send your personal information overseas. The The liability to third parties for property locations we send it to can vary but include the Philippines, India, Ireland, damage caused by your motor vehicle is not the UK, the US, China and countries within the European Union. covered. Our Privacy Policy describes in detail where and from whom we collect Cover for damage to your motor vehicle personal information, as well as where we store it and the full list of ways caused by fire, explosion, lightning, theft or we could use it. To get a free copy of it please visit qbe.com.au/privacy or attempted theft only. The liability to third contact QBE Customer Care. parties for property damage caused by your motor vehicle is not covered. It’s up to you to decide whether to give us your personal information, but without it we might not be able to do business with you, including not payingEach of the sections listed in the table above is subject to specific definitions, your claim.the basis of cover and specific exclusions. In addition, there are generalexclusions and conditions that apply to all sections of the Policy.

4 PhoneResolving complaints & disputes EmailAt QBE we’re committed to providing you with quality products and Postdelivering the highest level of service. How to contact FOS AustraliaWe also do everything we can to safeguard your privacy and the Phone 1800 367 287 (Monday to Friday from 9am to 5pm, Melbourneconfidentiality of your personal information. time, except on public holidays)Something not right? Email [email protected] Online www.fos.org.auWe know sometimes there might be something you’re not totally happyabout, whether it be about our staff, representatives, products, services or How to contact the OAIChow we’ve handled your personal information. Phone 1300 363 992 (Monday to Friday from 9am to 5pm, SydneyStep 1 – Talk to us time, except on public holidays). Calls from mobiles, public telephones or hotel rooms mayIf there’s something you’d like to talk to us about, or if you’d like to make a attract additional charges.complaint, speak to one of our staff. When you make your complaint pleaseprovide as much information as possible. They’re ready to help resolve your Email [email protected]. Online www.oaic.gov.auYou can also contact our Customer Care Unit directly to make your Financial Claims Schemecomplaint. Our aim is to resolve all complaints within 15 business days. Your Policy is a protected policy under the Financial Claims Scheme (FCS),Step 2 – Escalate your complaint which protects certain insureds and claimants in the event of an insurer becoming insolvent. In the unlikely event of QBE becoming insolvent youIf we haven't responded to your complaint within 15 days, or if you’re not may be entitled to access the FCS, provided you meet the eligibility criteria.happy with how we’ve tried to resolve it, you can ask for your complaint to More information may be obtained from the Australian Prudential Regulationbe escalated for an Internal Dispute Resolution (IDR) review by a Dispute Authority (APRA).Resolution Specialist. How to contact APRAThe Dispute Resolution Specialist will provide QBE’s final decision within 15 Phone 1300 558 849 (Monday to Friday from 9am to 5pm, Sydneybusiness days of your complaint being escalated, unless they’ve requestedand you’ve agreed to give us more time. time, except on public holidays). Calls from mobiles, public telephones or hotel rooms mayStep 3 – Still not resolved? attract additional charges.If you’re not happy with the final decision, or if we’ve taken more than 45days to respond to you from the date you first made your complaint, youcan contact the Financial Ombudsman Service Australia (FOS Australia).FOS Australia is an ASIC approved external dispute resolution body.FOS Australia resolves insurance disputes between consumers and insurers,at no cost to you. QBE is bound by FOS Australia's decisions - but you’renot. You can contact FOS Australia directly and they’ll advise you if yourdispute falls within their Terms of Reference.Disputes not covered by the FOS Australia Terms of ReferenceIf your dispute doesn’t fall within the FOS Australia Terms of Reference, andyou’re not satisfied with our decision then you may wish to seek independentlegal advice.Privacy complaintsIf you're not satisfied with our final decision and it relates to your privacy orhow we’ve handled your personal information, you can contact the Officeof the Australian Information Commissioner (OAIC). Online www.apra.gov.au

5Policy Wording If an instalment is unpaid, we’ll send you a reminder letting you know when we're going to retake the instalment. If we still don't receive your paymentThis Policy is underwritten by QBE Insurance (Australia) Limited ABN 78 after this reminder, we’ll write telling you the date your Policy will be003 191 035 AFSL 239545. cancelled unless your payment arrives. Then, if we don't receive a payment, we’ll send you a notice to confirm your Policy has been cancelled.Our agreement Adjustment of premium on renewalYour Policy is an agreement between you and us, made up of: If we agree to renew your Policy and you claim for an incident that happened This Policy Wording during a previous period of insurance, you must tell us about it. You agree Your Policy Schedule, which sets out the cover you’ve chosen and any to pay us any additional premium increase we’d have required you to pay terms specific to you. if you’d told us about the claim before your Policy was renewed.The cover under this Policy is provided during the period of insurance, once This condition doesn’t affect any other rights we have at law or under thisyou’ve paid us your premium. There are also: Policy. Conditions and exclusions which apply to specific covers or sections; If your payment details change General exclusions, which apply to any claim you make under this Policy; If the direct debit details you use to pay us change, such as you changing General conditions, which set out your responsibilities under this Policy; credit cards or bank accounts, you must tell us at least seven days before Claims conditions, which set out our rights and your responsibilities your next payment date. when you make a claim; and Other terms, which set out how this Policy operates. Words with special meaningExcesses The words and terms used throughout this Policy have special meanings set out below.You must pay any excesses which apply to your claim. The excesses whichyou have to pay are set out in this Policy Wording or on your Policy Where other words and terms are only used in one section of the Policy,Schedule. we’ll describe their special meaning in that section.How much we'll pay Word or Meaning termThe most we'll pay for a claim is the sum insured which applies to the coveror section you're claiming under, less any excess. Accident An unforeseen or unintended happening which is not expected or designed.Annual premium Aggregate The total amount of any one claim or series of claimsIf you pay your premium annually, and it’s not paid by the due date or if deductible less the applicable standard excess/s which must beyour payment is dishonoured, this Policy won't operate and there'll be no first borne by you during any one period of insurance.cover. It is agreed that we will not be liable to make any payment under this Policy until the paid losses exceedInstalment payments the aggregate deductible during any one period of insurance.If you pay your premium by instalment, your Policy Schedule will show thedate and frequency of your instalments. If your direct debit details change Agreed value The fixed amount for which your motor vehicle isyou must tell us no later than seven days before your next instalment is insured for each period of insurance regardless of anydue. price change for your motor vehicle during that period. The agreed value includes the value of insuredIf you miss an instalment we'll contact you to ask you to pay it or arrange accessories and equipment.to collect it from you. If you don't pay the missed instalment your policymay be cancelled and we'll write to you to let you know when this will Airfield Any area, including temporary landing grounds,happen. designated or used for aviation activity including but not limited to take-off, landing, taxiing, parking, anyIf you don't pay the missed instalment and a claim arises, then we may tarmac or taxiway activity or the like.refuse to pay your claim. Airside The section of an airfield where aircraft are situated andAt renewal operated.If you pay by instalments, and you renew your Policy, we’ll continue to Application The information as advised by you to us, either in writing,deduct instalments for a renewed Policy at the new premium level according verbally or by electronic means, as part of yourto the same instalment pattern, unless you tell us to stop your direct debit. application for insurance provided by this Policy. Your completed proposal and the information you supply toIf the first instalment for a renewed Policy isn't received we'll try and retake us forms part of the basis for our decision of whetherthe instalment after seven days. If it remains unpaid, your renewed Policy or not to insure you and on what terms.won't operate and there'll be no cover. Carrying The maximum amount your motor vehicle can legally capacity carry. Dangerous Goods as defined by the current version of the goods Australian Code for the Transport of Dangerous Goods by Road and Rail. (Note:This Policy excludes all cover for Class 6.2 - Infectious substances and Class 7 – Radioactive material).

6Word or Meaning Types of Coverterm We offer several different types of cover, as described below.Excess The first amount you must pay for any claim you make under this Policy. The type of cover you have selected is shown in your Policy Schedule.Final The premium paid for the period of insurance after 1. Comprehensive coverpremium paid adjustment due to changes in fleet size or to total asset All sections of this Policy will operate. value. What we will pay forGross The maximum legally allowed weight of your motor (a) Section 1 – Loss, damage or theft of your motor vehicle.Combination vehicle and trailer combination including the goods (b) Section 2 – Third party liability.Mass (GCM) carried by that combination. Your legal liability for damage caused by your motor vehicle to theGross Trailer The maximum loaded mass of your motor vehicle as property of other people.Mass (GTM) specified by the trailer manufacturer on a plate affixed to your trailer. (c) The additional benefits applicable to comprehensive cover only.Gross Vehicle The maximum loaded mass of your motor vehicle as 2. Third party property damage including fire and theftMass (GVM) specified by the vehicle manufacturer on a plate affixed cover to your motor vehicle. This cover is not available for motor vehicles that have a GVM of 3,500 kilograms or greater.Incurred Losses paid during the period of insurance plus reservesclaims for outstanding losses. What we will pay forMachinery Machinery attachments that you normally use with and (a) Section 1 – restricted to damage to your motor vehicle caused byattachments attach to your motor vehicle such as buckets, forks, fire, explosion, lightning, theft or attempted theft only. tractor implements and the like. (b) Section 2 – Third party liability.Market value The cash value of your motor vehicle immediately prior (c) The additional benefits applicable to third party property damage to an accident using market pricing for a vehicle of the same age, type, and condition, in your local area, but including fire and theft cover only. excluding costs and charges for GST, registration, stamp duty, dealer deliveries and the like. 3. Third party property damage cover What we will pay forMotor vehicle Any type of land based machine on wheels or on self laid tracks made or intended to be propelled by other (a) Section 2 – Third party liability. than manual or animal power and any trailer or other (b) Additional benefits applicable to third party property damage cover attachment made or intended to be drawn by any such machine. only.Period of The period shown in your Policy Schedule. What we will not pay forinsurance (a) Section 1 – Loss, damage or theft of your motor vehicle.Policy Includes this PDS, Your Policy Schedule and any future documents issued to you that amends the Policy or 4. Own damage cover Policy Schedule. What we will pay forPolicy (a) The Policy Schedule; or (a) Section 1 – Loss, damage or theft of your motor vehicle.Schedule (b) the renewal notice you have paid; or (c) the alteration advice sent to you. What we will not pay for It contains details of the types of cover and levels of insurance you have selected and any special conditions (a) Section 2 – Third party liability. or endorsements applicable to your cover. 5. Fire and theft only coverSum insured The amount shown in your Policy Schedule for any motor vehicle and this will be the maximum amount This type of cover is not applicable and unavailable for vehicles that have we will pay. a GVM of 3,500 kilograms or greater.Total loss Your motor vehicle has not been recovered following What We will pay for theft or your motor vehicle is damaged to the extent that we determine it would be uneconomical to repair. a. Section 1 – restricted to damage to your motor vehicle caused by fire, We will settle the claim on the basis of market value or explosion, lightning, theft or attempted theft only. sum insured whichever the lesser or agreed value depending on the cover shown in your Policy Schedule. What we will not pay forWe, our or us QBE Insurance (Australia) Limited ABN 78 003 191 035. a. Section 2 – Third party liability.You, your or The person(s), companies or firms named in youryours current Policy Schedule as the insured.

Section 1 – Loss, damage or theft of your 7motor vehicle Section 2 – Third party liability (applicableCover to registered motor vehicles only)Subject to the type of cover you have selected, we will cover you as a result Coverof an accident or theft occurring during the period of insurance for loss ofor damage to: Property damage1. Your motor vehicle as shown in your Policy Schedule; Provided your motor vehicle is registered in accordance with the2. Your motor vehicle’s extras being: requirements of state and or territory laws, we will cover the amount you may be held legally liable to pay for accidental damage to property (a) original manufacturers standard accessories, standard tools, belonging to others (excluding goods carried) caused by or arising out of: standard appliances, standard options including built in radio receivers, built in music players, and air-conditioning; 1. the use of your motor vehicle or any trailer or caravan attached to your motor vehicle, whether or not it belongs to you; (b) any gate, chain, dog and chain, strap, tarpaulin and the like, but limited to $10,000 per occurrence unless shown elsewhere 2. goods falling from your motor vehicle; in your Policy Schedule; 3. the transportation of dangerous goods. The maximum amount we (c) any unspecified accessories including non standard equipment, will pay for property damage is $1,000,000 unless shown elsewhere tools and spare parts used for your motor vehicle; however in your Policy Schedule; where your motor vehicle is listed in the Policy Schedule as 4. any person who is driving, using or in charge of your motor vehicle being covered for market value the maximum We will pay for with your permission as if they were you and provided they are not non specified accessories is $5,000; entitled to indemnity under any other policy or statute and provided such cover is not otherwise excluded. whilst they are in, on or attached to your motor vehicle.3. Your motor vehicle’s machinery attachments up to a limit of $10,000 Pollution Cleanup Costs unless specified elsewhere within your Policy Schedule. Cleanup costs following accidental and unforeseen pollution or contamination of water, land or the atmosphere following an accidentBasis of settlement covered under the Policy. The maximum amount We will pay for accidental pollution is $1,000,000.We will, at our option, repair, reinstate or pay the amount of the loss of ordamage to your motor vehicle and items referred to in Section 1, Cover 2. Substitute vehicleat the time of such loss or damage, provided such payment does not exceedthe market value or the sum insured whichever is the lesser amount, or We cover your legal liability to pay for accidental damage to propertyagreed value depending on the cover shown in your Policy Schedule. (otherwise covered under this section) caused by a vehicle being used by you as a substitute vehicle while your motor vehicle is being serviced,If it is necessary to repair your motor vehicle to a better condition than it repaired or cannot be driven.was in before the loss or damage, then we may ask you to contribute theadditional amount to repair it to the better condition. Substitute vehicle cover will only apply if:We are entitled to replace damaged parts with new parts or used parts of 1. one substitute vehicle is being used at any one time in place of yoursimilar age and condition to those being replaced. motor vehicle; andSalvage 2. the substitute vehicle is not already covered under another insurance policy; andIf your motor vehicle is declared a total loss and we pay a claim accordingto the cover provided by this Policy, you must allow us, if we require, to take 3. the substitute vehicle is not owned by you and you have the ownerspossession of your damaged motor vehicle. If we do not take possession permission to drive the substitute vehicle.of your damaged motor vehicle, you cannot abandon your responsibilitiesfor it. Your employer’s or principal’s liabilityUnavailable parts We will pay the amount your employer, principal or partner may be held legally liable to pay, for accidental damage to property (which is otherwiseIn the event of an accident covered under this Policy, should any part of covered under this section) while you are using your motor vehicle for theiryour motor vehicle and/or other insured property become unavailable in business, as long as it is not a use that is excluded by this Policy.Australia, we will reimburse you, in accordance with the basis of settlement,but in no circumstances will we be liable for more than the cost of the parts Your liability as principalplus the cost of freighting such parts by sea transport. We will cover your legal liability to pay for accidental damage to propertyShould the cost of these parts plus the cost of the repairs exceed the sum belonging to others in respect of any vehicle not owned or supplied by youinsured or market value, whichever is the lesser, we reserve the right to or hired to you, which is in the charge of or is being driven by a persondeclare your motor vehicle a total loss. authorised to use the vehicle on your behalf and in connection with your business.Financier Supplementary bodily injuryIf your motor vehicle is the security for any finance agreement, then: We will pay the amount which you, or any person driving, using or in charge1. we have the right to make claim payments to the financier; and of your motor vehicle with your permission may be held legally liable to2. any payment made to the financier will satisfy our obligation to you pay by way of compensation or damages for death or bodily injury to persons arising out of the use of your motor vehicle in Australian states and under this Policy for the amount paid. territories only.

8 Additional benefits applying to the PolicyWe do not cover: Following an event that results in an approved claim under your Policy, the following additional benefits will apply. Where a monetary value is specified1. legal liability for death or bodily injury to: within an additional benefit this monetary value is in addition to the sum (a) you or any person driving, using or in charge of your motor insured and/or market value of your motor vehicle. vehicle (b) an employee of yours or who is deemed by any law to be your Applicable to comprehensive cover, third party property employee, arising out of their employment with you. damage including fire and theft cover and third party property damage coverWe do not provide cover: 1. Breach of Policy conditions1. if your motor vehicle is not registered:2. if you or any person using your motor vehicle: A breach or non-compliance with any Policy condition without the knowledge of you or any responsible officer will not affect your right to the (a) is wholly or partly covered under any compulsory statutory cover under this Policy. However where you or any responsible officer insurance scheme or accident compensation scheme; or becomes aware of such breach or non-compliance you will notify us immediately. If the risk is acceptable to us we will insure it for the remainder (b) would have been entitled to be covered under any such of the period of insurance and you will pay any extra premium we may scheme as it existed at the commencement date of the require and comply with any additional conditions we may impose. relevant period of insurance, even though there may have been a change in the law during that period of insurance; or 2. Removal of vehicle debris (c) would have been entitled to be covered under any such We will cover you up to a maximum of $100,000 for the necessary and scheme if it were not for the application of any excess or reasonable costs which you are legally liable to pay to clean up and remove deductible applying under the scheme; or your motor vehicle debris (excluding dangerous goods). Where this clean up is caused from debris falling from your motor vehicle then we will only (d) would have been entitled to be covered under any such pay any balance of costs owing upon exhaustion of your Marine Transit or scheme had cover not been refused because you did not: Cargo Policy. We will not pay for the excess applicable to such Marine Transit (i) register your motor vehicle; or Cargo Policy. (ii) apply for cover under the scheme; (iii) comply with a term or condition of the scheme; 3. Waiver of subrogation3. whilst your motor vehicle is being loaded or unloaded; We will not seek recovery between the persons, companies or firms shown4. if your motor vehicle is registered in the Northern Territory of in your Policy Schedule as the insured. Australia. 4. Choice of repairerLegal costs You may choose any licensed repairer to repair your motor vehicle. However we may invite, accept, adjust or decline estimates or arrange to move yourWe will pay your reasonable legal costs and expenses in defending or settling motor vehicle to another repairer acceptable to both of us.claims if you have our agreement in writing. We pay this in addition to theamount payable under Section 2 – Third party liability. 5. Car sharingBasis of settlement Payment made by passengers, as part of a car sharing agreement for social or other similar purpose, including travelling to and from work will notThe maximum amount We will pay under Section 2 – Third party liability in constitute the conveyance of passengers for hire, fare or reward providedrespect of all claims arising out of one incident or series of incidents arising that the total contribution received for the journey does not involveout of one cause or event will not exceed: commercial use for profit.1. $1,000,000 for the transportation of dangerous goods; or 6. Fire brigade and/or emergency services charges2. $1,000,000 for accidental pollution cleanup costs: If we agree to pay a claim under the Policy and you are legally liable for fire extinguishment costs charged by the fire brigade or emergency services where they apply; or costs, we will pay up to $50,000 during any one period of insurance only.3. $32,500,000 for other losses, any one event under Section 2 – Third Applicable to comprehensive cover or third party party liability. property damage including fire and theft cover onlyWhat we do not cover 1. Recovery costs following theftProperty damage – property in your care, custody or control If your motor vehicle is stolen and found we will cover you for up to $25,000 to return your motor vehicle to its normal parked address.We do not cover the legal liability of you or the driver of your motor vehicle,for damage to any property belonging to you or the driver of your motor 2. Automatic additionsvehicle or any property belonging to any other party in your or the driver’scare, custody or control, except for premises leased or rented to you or We will cover you for any additional or replacement vehicle(s) of a like kindwhere detailed in special clause – non-owned trailers. or similar nature to your motor vehicles presently insured under this policy, that you purchase or lease during the period of insurance for 90 days.However, we will not treat your employees’ or visitors’ vehicles includingtheir contents while contained within a car park owned, operated or providedby you, as property in your care, custody or control.

If before you have given us full details, the replacement vehicle is damaged 9or stolen, the maximum amount payable is the purchase price of thereplacement vehicle for: 2. you purchased the vehicle new from the manufacturer or their dealer; and1. Comprehensive cover – up to $500,000; or2. Third party property damage including fire and theft cover – up to 3. your motor vehicle is less than 24 months old from when it was first registered; and $10,000. 4. where your motor vehicle is financed, your financier has given usIf you give us details of any new or replacement vehicle within 90 days of written consent.its purchase or lease, we will insure it for the remainder of the period ofinsurance, as long as it is acceptable to us and you pay any additional At all times we will not pay more than the sum insured (which includes anypremium that we may require. extras).We will not cover you if you do not advise us within 90 days of purchase If a new replacement motor vehicle is not available, we will replace youror lease. motor vehicle with the nearest equivalent vehicle available, so long as it is available in Australia. If we cannot agree on a replacement vehicle, we willWe give these additional benefits following loss or damage to your motor pay you the amount it would cost to buy a new vehicle the same as, or avehicle covered under this Policy depending on the type of cover you have near equivalent of, your motor vehicle which needs replacing.selected. If an excess is applicable it is payable to us before we replace your motorApplicable to comprehensive cover only vehicle.1. Towing costs We will also pay the registration for the period registered but not exceeding 12 months, stamp duty and dealer charges on the new replacement vehicleWe will cover the costs of: but any refund of registration fees or stamp duty applicable in respect to the total loss motor vehicle must be refunded to us.1. towing your motor vehicle to: (a) the nearest repairer; or Where your motor vehicle does not meet all of the criteria above, all total (b) a place of safety; or loss claims will be settled on the declared sum insured or the current market (c) to any other place that we first approve; value at the time of the loss or damage, whichever is the lesser.2. plus the reasonable cost of protecting your motor vehicle. Where you choose to insure the replacement vehicle with us and we accept the risk, we will charge you a pro rata premium from the date of acceptance2. Trailer cover to the expiry date of the Policy.We will pay for theft, or accidental loss or damage to any trailer with a GVM 6. Agreed sum insuredof less than 2,000 kilograms (other than a caravan) which is owned by youwhile it is: Where your motor vehicle is a rigid truck or prime mover and it has a 3,500 kilogram GVM or greater or a trailer with a GTM of 3,500 kilograms or1. attached to your motor vehicle; or greater and provided the age of the motor vehicle at the time of such loss2. detached from your motor vehicle but within your business premises or damage, was not in excess of 24 months from the date of original registration as a new vehicle, by you, we will, in the event of your motor or the domestic land boundaries of your usual home as long as it vehicle being classed as a total loss under this Policy, pay the sum insured was not in a common area of home units, flats and the like. declared to us, as the value of the unit at the commencement of the current period of insurance.We will not pay for any property in or on the trailer. 7. Hire vehicle cost following theftThe maximum amount we will pay is the market value of the trailer, up to$2,000. If your motor vehicle is stolen and the theft is covered under this Policy, we will cover you up to a maximum of $5,000 for the reasonable costs of hiring3. Sign writing a similar vehicle provided:We will cover you for loss or damage to sign writing or fixed advertising 1. we do not pay for hiring charges incurred after the date of recoverysigns or materials forming a permanent part of your motor vehicle at the of your motor vehicle, if it can be driven;time of the loss or damage. 2. cover is limited to 30 days and will cease once we pay your claim,4. Maritime liability or your motor vehicle is repaired (if it could not be driven), whichever is the earlier; andIf your motor vehicle is being transported by sea between Australian ports,we will cover you for your contribution for your motor vehicle if “general 3. you will need to organise and pay for the hire vehicle. We are notaverage” is declared. responsible for ensuring that a hire vehicle is available. You must also give us a copy of the rental agreement and any receipts for the hireGeneral average is declared when goods or cargo are thrown overboard vehicle before we will reimburse you.or other steps are taken to safeguard the vessel and the remaining propertyon the vessel. All cargo owners share the expenses or salvage costs incurred We will not pay for:by a ship owner in preserving the vessel and cargo including claims costsincurred by cargo owners. 1. running costs, including the costs of fuel; 2. damage to the hire vehicle; and5. New motor vehicle replacement 3. any insurance, insurance excess or other costs you may be liable forWhere your motor vehicle is a sedan, station wagon, panel van, 4WD, utility, under the hire vehicle rental agreement.goods carrying vehicles with a 3,500 kilogram GVM or lesser, or a minibuswith a carrying capacity of not greater than 15 persons, we will replace your 8. Lease, hire purchase or financial agreement payoutmotor vehicle with a new vehicle of the same make, model or series so longas it is available within Australia; and Where:1. your motor vehicle is declared a total loss by us; and 1. your motor vehicle is declared a total loss; and 2. your motor vehicle is subject to a lease, hire purchase or any financial agreement through a financial institution directly related to financing of the motor vehicle purchase; and 3. the payout amount exceeds the agreed total loss amount;

10 14. Driver accident compensationwe will pay: (Available only to drivers of vehicles that are sedans, wagons, 4WD or goods carrying vehicles with a GVM less than 3,500 kilograms).1. the agreed total loss amount; and2. an additional amount of up to 25% of the total loss amount; We will pay the following compensation to a driver of your motor vehicle who is injured and who as a direct result suffers a permanent disability, asprovided: defined and as a result of the accident while driving your motor vehicle.1. this amount and the total loss amount do not exceed the financial Compensation will only be payable if: payout figure; 1. the driver was driving your motor vehicle with your consent and is2. that any payment over the agreed total loss amount does not include licensed to drive such a vehicle; any amounts that are in arrears at the time of loss; and 2. the driver was not under the influence of alcohol or any narcotic3. that any additional payment over and above the agreed total loss depressant stimulant or hallucinogenic drug; amount will include any discounts applicable for full payment of the financial contract. 3. the claim has been accepted under this Policy; and 4. the driver is not entitled to any benefits under any compulsoryThis additional benefit does not: statutory insurance scheme or accident compensation scheme or1. provide cover where the loss or damage is caused by theft or fire would have been so entitled if: (other than fire as a result of impact); (a) it were not for the application of any excess or deductible2. apply where your motor vehicle is older than 10 years of age since applying under the scheme; or it was first registered as a new vehicle or was originally purchased (b) compensation under the scheme had not been refused, as new unregistered mobile machinery such as a tractor, excavator, loader or similar vehicle type. because you did not register your motor vehicle or apply for cover under the scheme.9. Funeral expenses Compensation benefit table:If, as a result of an accident, in your motor vehicle covered under this Policy,your driver sustains a fatal injury, whether or not death occurs at the time Disability from an injury resulting in a Compensationof the loss, we will pay for associated burial or cremation costs and travel compensation amountcosts within Australia for the deceased driver and any member of the $100,000immediate family. Permanent quadriplegia $75,000 $50,000We will pay up to $10,000, during any one period of insurance. Permanent paraplegia $25,000 $10,000This additional benefit will not be reduced by any accident compensation. Permanent total disablement $10,00010. Tyre replacement Permanent loss of entire sight in both eyesIf we agree to pay a claim and any tyre cannot be used as a direct result of Permanent loss of entire sight in one eyedamage sustained from a loss covered under this Policy, we will pay for thenew replacement cost of a similar make and specification. Permanent total loss of or loss of use of one limb (at or above the wrist or ankle)This additional benefit is applicable provided that the condition of thedamaged tyre’s remaining tread conforms with legal requirements at the Where the driver is permanently left with more than one disability as showntime of damage and it was not a recapped or retread tyre. in the compensation benefit table we will pay only one of the compensation amounts shown in the compensation benefit table. In such circumstances11. Locks and keys the highest single level of applicable benefit will be paid.If your keys are lost, destroyed or damaged, or if there are reasonable The medical diagnosis of the injury leading to the permanent disability mustgrounds to believe the keys may have been illegally duplicated, we will pay be made within 90 days of the date of accident for any of the benefits tothe costs of replacing and recoding the locks and/or keys. be given.We will pay up to $5,000 during any one period of insurance. The establishment of a permanent disability will be solely determined by our medical specialist.This additional benefit is not subject to loss or damage to the motor vehiclecovered under this Policy. We will not pay a benefit claim until the injury is stabilised, or our medical specialist has confirmed that in their opinion, the injury is of a permanent12. Your driver’s personal property nature and the injury will not be likely to significantly improve.We will cover loss or damage to wearing apparel and personal property Unless the injured driver undergoes all medical examinations organised bybelonging to your driver not otherwise insured, while contained in your us in order to assess the claim no compensation will be payable by us. Wemotor vehicle. will arrange the examinations and pay the costs associated which includes reasonable travel expenses for any examinations arranged by us.We will not cover money, securities, jewellery, furs, mobile phones, personalmusic devices, portable GPS and laptop computers. 15. Redelivery of driverWe will pay up to $5,000 for any one accident, during the period of If the location of the accident is outside 150km from your base of operations,insurance. we will pay the reasonable costs up to $5,000 to return your driver(s) to your base of operations or the final destination of the scheduled journey.13. Windscreen or window glass claim Costs exclude emergency medical transportation.If you sustain a loss to a windscreen or window glass only, no excess willapply if your motor vehicle is a sedan, station wagon, panel van, utility or4WD with a GVM less than 3,500 kilograms.

16. Advanced expenses 11Cover provided by this Policy will also include the reasonable costs for 22. Total loss agreed settlement valueexpress cartage, overtime, night and weekend pay rates incurred with repairof the damage to your motor vehicle that we have accepted as an accident Where your motor vehicle is:covered by this Policy. (a) a sedan, station wagon, panel van, utility or 4WD with a GVM of 3,500At all times we will pay: kilograms or less;1. a maximum of $5,000 any one loss; or (b) declared a total loss;2. an additional 50% of the average market costs for such services; (c) not subject to a lease, hire purchase or any financial agreementwhichever is the lesser. through a financial institution directly related to financing of the vehicle purchase; and17. Travel expenses (d) in excess of 24 months of age and less than 10 years of age from the date of original registration as a new vehicle;Where the driver of your motor vehicle has been hospitalised due to injurysustained in an accident, we will pay the reasonable cost of domestic then we will pay:transport and domestic accommodation for an individual family memberof the driver to visit the driver in hospital. (a) the agreed total loss amount; and (b) an additional amount being the lesser of $5,000 or 20% of the totalThe maximum we will pay for this additional benefit is $2,500 in any periodof insurance. loss amount.18. Motor vehicle recovery costs 23. Fire suppression system rechargeWhere your motor vehicle becomes unintentionally immobilised on a work Where your motor vehicle is described in the Policy Schedule as a harvester,site or in a physical situation whilst being used as part of your normal header or similar type of on-farm machinery and as a result of a fire claimbusiness operations we will cover the cost of recovery or removal toward that is accepted by us you have discharged your fire suppression systemmobilisation of your motor vehicle. then we will pay up to a maximum of $1,000 toward recharging this system per motor vehicle per period of insurance. Where we have declared yourWe will not pay for immobilisation as a result of electronic, electric, or motor vehicle as a total loss this additional benefit will not apply.mechanical failure or malfunction, or normal wear and tear. Applicable to third party property damage including fireWe will pay you the cost expended, excluding any allowance for profit by and theft cover or third party property damage coveryou. You must provide us with tax invoices for the costs you incurred. onlyAt all times we will pay a maximum of $50,000 during the period of Uninsured motorist’s benefitinsurance for this additional benefit. At our option we will either:19. Emergency repairs 1. repair your motor vehicle to its condition immediately prior to theWe will cover the cost of emergency repairs up to $3,000 where a loss time of loss; orcovered under this Policy requires these repairs for your motor vehicle tobe drivable. 2. pay you the cost of repairs to your motor vehicle;20. Redelivery resulting from accidental loss or damage to your motor vehicle if you can satisfy us that the accident which gave rise to the claim was totally the faultWe will cover you for up to $5,000 to return your motor vehicle to its normal of the driver of another vehicle; andparked address, following repairs to your motor vehicle provided: 1. you tell us the registration number of the other vehicle and the name(a) the repairs were required following loss or damage covered under and address of the driver of the other vehicle; and this Policy; 2. at the time of the loss or damage the:(b) the situation where your motor vehicle was repaired was more than (a) driver of the other vehicle was not insured for their third party 150 kilometres from your motor vehicle’s normal parked address. liability; and (b) other vehicle was not owned or registered in your name or in21. Non owned trailers the name of a person who is a relative of yours or any person with whom you normally reside.We will cover you for loss or damage to any one trailer and its dolly (ifapplicable) that is not owned, leased or rented by you and is under your The maximum amount we will pay under this additional benefit for all claimslawful custody or control whilst being used by you in conjunction with your from any one accident or series of accidents arising out of the one causebusiness. The basis of cover is as per ‘section 1 – loss, damage or theft of or event is:your motor vehicle’ and ‘section 2 – third party liability (applicable toregistered motor vehicles only)’. 1. $5,000; or 2. the market value of your motor vehicle immediately prior to the lossThis cover is limited, at all times, to: or damage;1. $100,000; or2. market value; whichever is the lesser.whichever the lesser. If we pay you the market value of your motor vehicle, then your motor vehicle in its damaged condition will become (at our option), our property.An excess of $2,500 will apply to this single trailer and/or its dolly in totalas the standard excess. Additional excesses may apply as shown in thisPolicy or in your Policy Schedule. Any additional non-owned trailer coverthat has been purchased by you will appear separately in your PolicySchedule.

12 We do not pay for:Special clauses 1. additional hiring costs; 2. running costs, including the cost of fuel;The following special clauses will only apply if shown in your Policy Schedule. 3. damage to the hire vehicle; 4. any insurance, insurance excess or other costs you maybe liable forDangerous goods under the hire vehicle rental agreement.It is agreed that provided that the transportation of dangerous goods islimited to classes 2, 3, 4, 5, 8 and 9 as listed under the australian code for We will not cover you if:the transport of dangerous goods by road and rail, the maximum amountwe will pay under section 2 – third party liability for property damage is 1. the only damage to your motor vehicle is to the windscreens oramended for dangerous goods: window glass; or1. to include costs, charges and expenses incurred by or on behalf of 2. your motor vehicle is stolen, because you may be able to claim under a public authority for the clean up and removal of an escape of the ‘additional benefit – hire vehicle costs’ following theft. dangerous goods from your motor vehicle as the result of an accident; and Burning cost2. to the amount shown in your Policy Schedule for dangerous goods; For the purpose of this special clause only, the burning cost premium has and the following four elements and are defined as follows:3. for the applicable motor vehicle(s) shown in your Policy Schedule as 1. Maximum premium payable covered for dangerous goods The agreed maximum premium payable by you and shown in your PolicyRadius restriction Schedule. At no time will you pay more than the maximum premium.It is agreed that in respect of the motor vehicle excess that no additional 2. Deposit premium payableexcess applies, whilst operating within the kilometre radius of your home,base(s) or depot(s), shown in your Policy Schedule. The agreed deposit premium payable by you at the commencement of the policy and shown in your Policy Schedule.Non-owned trailers 3. Minimum premium payableIt is agreed that we will cover you for loss or damage to any one trailer andits dolly (if applicable) that is not owned, leased or rented by you and is The agreed minimum premium payable by you and shown in your Policyunder your lawful custody or control whilst being used by you in conjunction Schedule. At no time you will pay less than the minimum premium.with your business. The basis of cover is as per ‘section 1 – loss, damage ortheft of your motor vehicle’ and ‘section 2 – third party liability (applicable 4. Claims incurred adjustment factorto registered motor vehicles only)’. The adjustment factor shown in your policy schedule and used to calculateThis cover is limited, at all times, to the: your burning cost premium at the end of the period of insurance.1. sum insured; or Where this special clause is shown in your Policy Schedule it is agreed you2. market value; will pay a deposit premium and the final annual premium payable will be adjusted after 90 days from the expiry date of the contract in accordancewhichever the lesser; as shown in your Policy Schedule for non-owned with the following formula:trailers liability. All amounts both paid and outstanding by us in respect of claims occurringAn excess of $2,500 will apply to any one non-owned trailer and/or its dolly during the period of insurance, multiplied by the claims adjustment factorin total as the standard excess. Additional excesses may apply as shown in shown in your Policy Schedule.this Policy or in your Policy Schedule. The premium payable will be calculated in accordance with this formulaHire vehicle costs following an Accident and after taking into account the deposit premium paid, any premium due will be paid by you or any premium refund will be paid to you subject toIf your motor vehicle is damaged in an accident which is covered under the minimum premium and the maximum premium as agreed.this Policy, and we have agreed to pay your claim, we will reimburse youfor the costs you incur of hiring a vehicle while your motor vehicle is being Where any losses have occurred in the period of insurance and are reportedrepaired or if it is deemed a total loss. to us after the adjustment premium has been calculated you will be required to pay any additional premium (subject to the maximum not having beenWe will reimburse you an amount up to the maximum daily rate shown in reached) based on the adjustment factor for the period of insurance inyour Policy Schedule: which the loss occurred.1. for a maximum of 30 days; or Additional benefit 2. Automatic additions and deletions (applicable to2. until your motor vehicle is repaired; or comprehensive cover or third party property damage including fire and3. until we pay your claim; theft cover only) will be factored into adjustment of the final annual premium.whichever happens first. We will retain the right to call up the difference between the deposit premium and the maximum premium at any time during the period of insurance ifThe cover will commence on the date your motor vehicle is taken to the incurred claims exceed 80% of the deposit premium.repairer provided we are notified at that time.You will need to organise and pay for the hire vehicle. We are not responsiblefor ensuring that a hire vehicle is available. You must also give us a copy ofthe rental agreement and any receipts for the hire vehicle before we willpay you.If the cost of the hire vehicle is more than the maximum limit shown in yourPolicy Schedule you will have to pay the difference.

Claims experience discount 13Where this special clause is shown in your Policy Schedule it is agreed that General exclusionsshould you renew this Policy for a further 12 months with us we will refundafter 90 days of the renewal date, an amount as calculated by the following These general exclusions apply to all sections of this Policy.formula for the previous year, should a refund result: This Policy excludes loss, damage, destruction, death, injury, illness, liability,1. The percentage shown on the Policy Schedule as (a) of the final cost or expense of any nature directly or indirectly caused by, contributed premium paid less incurred claims less the percentage shown on to by, resulting from, arising out of or in connection with any of the following, the Policy Schedule as (b) of such surplus, if any, to a maximum regardless of any other cause or event contributing concurrently or in any percentage of the premium shown on the Policy Schedule as (c). other sequence to the loss:2. The refund is subject to all losses occurring during the period of 1. war, invasion, acts of foreign enemies, hostilities or war-like operations insurance having been notified by you to us. (whether war be declared or not), civil war, rebellion, revolution, insurrection, civil commotion assuming the proportions of orWhere the claims experience discount has been allowed at the amounting to an uprising, military or usurped power, orcommencement of the Policy, the same formula will be applied using thepremium amount as if there had been no upfront discount allowed and 2. Any act(s) of Terrorism. For the purpose of this exclusion, an act ofyou will have to pay the difference between the actual premium due and terrorism includes any act, or preparation in respect of action, orthe amount paid as the original deposit. threat of action designed to influence the Government of the day or de facto of any nation or any political division thereof, or in pursuitAggregate deductible of political, religious, ideological or similar purposes to intimidate the public or a section of the public of any nation by any person orThis Policy is subject to an aggregate deductible as shown in your Policy group(s) of persons whether acting alone or on behalf of or inSchedule. connection with any organisation(s) or Government(s) of the day or de facto, and which:It is agreed that you will advise all insurable losses to us and we will manageall claims on your behalf until the aggregate deductible is reached and (a) involves violence against one (1) or more persons, orstandard excesses will apply thereafter. (b) involves damage to property, or (c) endangers life other than that of the person committing theIt is agreed that your contribution to the aggregate deductible is calculatedby adding the total of all claim settlements by us on your behalf and paid action, orby you during any one period of insurance. (d) creates a risk to health or safety of the public or a section ofUnderground pipes and cables the public, or (e) is designed to interfere with or to disrupt an electronic system.Where this special clause is shown in your Policy Schedule it is agreed that 3. radioactivity or the use, existence or escape of any nuclear fuel,additional exclusion 15 is deleted and that this Policy will cover you, under nuclear material, or nuclear waste or action of nuclear fission or fusion.the provisions of this Policy, for your legal liability arising out of any damageto, or as a result of damage to any underground sewers, water pipes, gas This Policy also excludes any loss, destruction, damage, death, injury, illness,pipes, electric wire cables or their supports including any transmission cables liability, cost or expense of any nature directly or indirectly caused by,and their supports or any other underground pipes or cables or their contributed to by, resulting from or arising out of or in connection with anysupports (underground services) provided you have ascertained the actual action taken in controlling, preventing, suppressing, retaliating against, orposition of these underground services from the relevant authorities prior responding to or in any way relating to 1, 2 or 3 above.to commencement of any excavation. Sanctions exclusionThe amount of cover provided by this special clause is limited to $100,000any one incident. You're not insured under any section of this Policy where a claim payment breaches any sanction, prohibition or restriction under United NationsThe excess for this special clause is $500. resolutions or the trade or economic sanctions, laws or regulations of Australia, the European Union, United Kingdom or United States of America. Additional exclusions We will not cover; 1. damage to your motor vehicle’s tyres caused by application of brakes, road punctures, cuts or bursting, unless caused as a result of an accident covered under the type of cover you have selected or by people acting maliciously; 2. loss of or damage to your motor vehicle or any resultant mechanical damage: (a) due to depreciation, wear, tear, rust or corrosion; (b) due to failure or breakdown of a structural, electrical, mechanical or electronic nature, or (c) to any part of your motor vehicle due to faulty design or workmanship; However, we will cover damage directly caused by a collision (other than a collision with the ground whilst your motor vehicle is tipping a load) or fire, to your motor vehicle, resulting from such failure, as mentioned under b. or c. above. (d) due to you driving the motor vehicle after a collision, unless you could not reasonably be expected to know that driving the motor vehicle after an accident could cause such additional damage; or (e) caused by loss of oil or coolant unless it is whilst your motor vehicle is being driven by a thief.

14 (f) if you: (f) if reasonable steps to protect or safeguard your motor vehicle (i) carry or tow a load; or have not been taken; (ii) carry a number of passengers; (g) if at the time of an incident, your crane was lifting, lowering, carrying or suspending a load in excess of that for which it in excess of that for which your motor vehicle was designed. However was constructed, or for which it was licensed to lift, lower, carry we will cover you if you prove that the loss, damage or liability was or suspend; not caused by or contributed to by any such greater load or number of passengers; (h) or liability where the transportation of any goods or substances which are mentioned as dangerous goods, irrespective of the (g) whilst your motor vehicle is being used for conveyance of quantities, are not being carried in accordance with the passengers for hire, fare or reward unless you have declared requirements of the Australian Code for the Transport of this to us and we have agreed in writing and declared this on Dangerous Goods by Road and Rail; your Policy Schedule, or your motor vehicle is described in the Policy Schedule as a bus or coach; (i) including any liability, resulting from use of your motor vehicle when let out on dry hire (hired by you to a third party without (h) for any vehicle running on rails or which is not designed to an operator) unless we have agreed in writing to provide dry run solely on solid ground; hire cover; (i) outside Australia except where your motor vehicle is being (j) resulting from the incorrect fuel being utilised; transported by sea between Australian ports; (k) for liability incurred arising out of the use of your motor vehicle (j) caused or incurred: whilst it is underground in a mine or similar whether declared or not (i) through vibration from you using your motor vehicle, plant, machinery or equipment;3. any additional costs, such as but not limited to, hire vehicle costs (other than those covered in this Policy), because you cannot use (ii) by atmospheric or climatic type conditions or your motor vehicle even though your motor vehicle may not be temperature extremes unless such loss, damage or available following loss or damage covered under this Policy; liability is the subject of cover under this Policy;4. loss of or damage to: (iii) whilst your lifting device is being used and the load (a) any stock in trade including but not limited to vehicles for sale being lifted is shared between your lifting device and or on consignment; any other lifting devices or devices, whether owned by (b) the drill shaft or bit of any drilling rig or machine or implement you or not. covered by this Policy whilst in use for the purpose of drilling into the ground or below the surface; (k) resulting from an intentional act by you or anyone acting with (c) any vehicle accessories or appliances due to mechanical or your consent; electrical derangement; 8. any fines, penalties, aggravated, punitive, exemplary or multiple5. theft of your motor vehicle resulting from your motor vehicle being damages; test driven for sale and you or an employee of yours did not accompany the prospective purchaser; 9. your motor vehicle if it has been legally seized or repossessed;6. any liability or obligation assumed by you under any contract, 10. loss of or damage to any concrete agitator, barrel, bowl or pump agreement or warranty which would not have otherwise arisen or and/or its fittings caused by, or arising from the hardening or setting been implied by law; of concrete, unless as a result of a collision the emptying of these items becomes impossible or impractical;7. loss of or damage to your motor vehicle or liability: (a) when endeavouring to evade police apprehension by you or 11. you for any breakage of or damage to: any of your partners or directors or anyone driving your motor vehicle with your consent; (a) the boring equipment covered by this Policy while the boring (b) if your motor vehicle is used in an unsafe or unroadworthy machine is in operation; condition unless such condition could not reasonably be detected by you. This exclusion will not apply if you prove that (b) the blades and/or associated attachments of your plant and/or the loss, damage or liability was not caused or contributed to machinery covered by this Policy whilst such plant and/or by such unsafe or unroadworthy condition; machinery is in operation. This exclusion does not apply where (c) resulting from theft by you, your partners or directors, or your your motor vehicle is described in the Policy Schedule as a employees; harvester, header or associated front; (d) if your motor vehicle is being driven by: (i) you or by any person with your consent who is not 12. liability arising out of the use of your: licensed under any relevant law to drive such a vehicle; or (a) crane if at the time of an event it is lifting, lowering, carrying (ii) anyone whose faculties are impaired by any drug or or suspending any object; intoxicating liquor; or (iii) anyone whose blood alcohol reading exceeds the legal (b) registered motor vehicle, being used as a tool, or plant forming limit (subject to any laws to the contrary); or part of your motor vehicle being used as a tool, operating at (iv) anyone who following an accident, refuses to provide any work site (excluding while the motor vehicle is travelling, or allow the taking of a sample of breath, blood or urine transporting or carting goods); for testing or analysis as required by the law of any State or Territory in which the accident occurred. (c) motor vehicle airside of or at an airfield; However we will cover you if you have allowed that person to drive 13. liability arising directly or indirectly from the existence, use, your motor vehicle and you can prove that you were not aware that transportation, distribution, handling, mining and/or storage of your motor vehicle was being driven by or in charge of that person asbestos or any material containing asbestos; when they were so affected or unlicensed. Where permitted by law, we reserve the right to recover the amount we pay from the driver 14. your liability for damage to any land, buildings or other fixed property of your motor vehicle at the time of the loss or damage. arising directly or indirectly from the removal, weakening or (e) whilst your motor vehicle is being used in any experiment or interference with any support or supports of such land, buildings or other fixed property, if such damage is caused by your motor vehicle type of test or in preparation for or involved in racing, speed which is involved at the time in any digging or excavating; testing, reliability trial, pace making, hill climbing, trial or demonstration other than for resale purposes on public roads; 15. your liability or any resultant damage, in respect of loss or damage to any underground sewers, water pipes, gas pipes, electric wire cables, or their supports including any transmission cables and their supports or any other underground pipes or cables or their supports if such damage is caused by your motor vehicle which is involved at the time in any digging or excavating; 16. any liability if your motor vehicle or substitute vehicle is unregistered. however we will cover your liability in respect of the unregistered motor vehicle on a public road, if you have obtained the appropriate permit to drive the unregistered motor vehicle on a public road.

General conditions 15There are conditions set out in this General conditions section, in the Claims Changes to your circumstancessection and under each particular cover and section. If any of theseconditions aren't met, we may refuse a claim, reduce the amount we pay You must tell us as soon as possible if circumstances occur, or if changesor in some circumstances we may cancel your Policy. When making a claim, or alterations are intended or made which increase the risk of loss, damageyou must have met and then continue to comply with the conditions of or injury.your Policy. Any person covered by your Policy, or claiming under it, mustalso comply with these conditions. Examples include:If you, or someone covered under your Policy, don’t meet these conditions 1. there is a change to the names of the motor vehicle’s owners; oror make a fraudulent claim we may: 2. use of your motor vehicle(s); or 3. change by way of modification, to the manufacturer’s specifications Refuse to pay your claim or reduce what we pay for your claim Cancel your Policy. to improve your motor vehicle’s performance, but only if your motor vehicle is a sedan, station wagon, panel van, 4x4 or a goods carryingAccidents/losses affect your renewal premium vehicle with a GVM under 3,500 kilograms.When calculating your renewal premium all claims that occur during the Other interestsperiod of insurance may affect the coming year’s renewal premium.Dependant on the number, value and circumstances of those losses it may You must not transfer any interests in your Policy without our writtenmean that no renewal terms will be offered after expiry date of the current consent.period of insurance. Any person whose interests you've told us about and we've noted on yourIn addition if you report an incident or loss after we have advised renewal Policy Schedule is bound by the terms of your Policy.terms we reserve the right: Other party's interests1. to revise or withdraw our renewal terms;2. where the Policy has been renewed and a claim has been reported You must tell us of the interest of all parties (eg financiers, lessors or owners) who'll be covered by your Policy. We'll protect their interests only if you've that occurred in the previous period of insurance to charge any told us about them and we've noted them on your Policy Schedule. additional premium relative to the reported loss;3. where the Policy has been renewed, to reduce the period of insurance Protection of insured motor vehicles in proportion to the amount due if that additional amount is not paid within 28 days of notification. You must take all reasonable precautions for the care, safety and protection of the motor vehicles covered under this Policy and comply with all statutoryAll persons or companies bound by this Policy and its provisions obligations, by-laws and regulations imposed by any public authority for the safety, use and storage of your insured motor vehicles.All persons or companies entitled to any benefit under this policy are boundby the terms and conditions of this Policy. We may refuse a claim if you orany of them are in breach of any of the terms and conditions of this Policyincluding any endorsements noted or attached to the Policy Schedule,except as allowed in ‘additional benefit – breach of conditions’.Assistance and co-operationAt all times when you deal with us you must: Provide us with all reasonable assistance we may need Be truthful and frank Not behave in a way that's abusive, dangerous, hostile, improper or threatening Co-operate fully with us, even after we've paid a claim.

16 What can affect a claimClaims We will reduce the amount of a claim by the excesses shown in the Policy terms and conditions or in your Policy Schedule.What you must do after an accident or theft We may refuse to pay a claim if you are in breach of your duty of disclosureIf an incident happens which may give rise to a claim you must: or any of the conditions of this Policy, including any endorsements noted on or attached to your Policy Schedule.1. take all reasonable steps to protect or safeguard your motor vehicle from further loss, damage or theft; We pay only once for loss or damage from the same accident covered by this Policy even if it is covered under more than one section of the Policy.2. notify the police immediately if your motor vehicle or any of your property is stolen or maliciously or intentionally damaged; We may be entitled to refuse to pay or to reduce the amount of a claim if:3. tell your Insurance authorised representative as soon as possible. 1. it is in any way fraudulent; or You may be provided with a claim form and will be advised on what 2. any fraudulent means or devices are used by you or anyone acting to do; on your behalf to obtain any benefits under this Policy.4. supply us with all information we require to settle or defend the claim. You are required by law to provide honest and complete information Contribution and other insurance about your claim. We may refuse to pay your claim if you fail to comply with this requirement; You must notify us of any other insurance which will or may, whether in whole or in part, cover any loss insured under your Policy.5. notify us of any other insurance covering the same loss, damage or liability; If at the time of any loss, damage or liability there's any other insurance (whether effected by you or by any other person) which covers the same6. co-operate with us fully in any action we take if we have a right to loss, damage or liability you must provide us with any reasonable assistance recover any money payable under this Policy from any other person; we require to make a claim for contribution from any other insurer(s).7. provide to us full details in writing as soon as possible after the GST happening of any accident or occurrence, which may become the subject of a claim under this Policy; If you’re a business you must tell us if you’re registered, or are required to be registered, for GST. When you do this, we need you to give us:8. send to us immediately any letter or communication from other parties; Your ABN The percentage of any input tax credit you will claim, or will be entitled9. tell us immediately of any notice of impending prosecution or details to claim, on your premium. of any inquest or official inquiry; When we pay a claim, your GST status will determine the amount we pay10. assist us with your claim. This means you must provide to us all the you. Your claim settlement amount will be adjusted to allow for any ITC information and assistance with your claims that we may reasonably entitlement. require. We may require you or any other person involved in the claim to be interviewed by us. If you do not provide such cooperation Unless we say otherwise, all amounts in your Policy are inclusive of GST. we may refuse to pay your claim or continue cover. There may be other taxation implications affecting you, depending upon your own circumstances. We recommend you seek professional advice.In an emergency outside normal business hours you may call ouremergency service on for assistance. Preventing our right of recoveryIf in doubt at any time, call your Insurance authorised representative. If you've agreed not to seek compensation from any person liable to compensate you for loss, damage or liability covered by your Policy, weWhat you must not do after an accident or theft won't cover you for that loss, damage or liability.In the event of an incident that may give rise to a claim, You must not: Policy comes to an end following total loss1. admit liability if an accident occurs which is likely to result in someone If we declare your claim a a total loss, the Policy terms have been met by claiming against you; us and the Policy comes to an end.2. make an offer, settlement, promise or payment; If you paid an annual premium no refund is due to you.3. incur any costs or expenses without our written consent, in respect If you were paying by instalments, we'll deduct the premium outstanding of any right or claim which may be the subject of a claim by you for the period of insurance from our settlement payment to you. against us under this Policy;4. authorise repairs to your motor vehicle without our prior consent. Providing proof However you may authorise: You must be able to prove to us you've suffered a loss covered by your Policy before we'll pay you for it. We may ask you for this proof if you make (a) the fitting of an identical replacement windscreen or window a claim under your Policy. So your claim can be assessed quickly, make glass; sure you keep the following: (b) repairs up to $2,000 (over and above any applicable excesses) receipts or other confirmation of the purchase of your motor vehicles if you are more than 200 kilometres from the normal nightly and any accessories; and parked address and they are necessary to enable you to all service and repair records for all motor vehicles insured by this continue your journey. Policy.What we will doWe may take over and conduct the defence or settlement of any claim orissue legal proceedings for damages. If we do this we will do it in your name.We have full discretion in the conduct of any legal proceedings and in thesettlement of any claim. You must co-operate by giving us any statements,documents or assistance we require. This may include giving evidence inany legal proceedings.

Recovery action & uninsured loss 17If you've suffered loss that wasn't covered by your Policy as a result of the Excessesincident, we may offer to attempt to recover this. You may also specificallyask us to recover this for you. You'll need to give us documents supporting If we accept your claim you must pay the total amount of the applicableyour loss. Before we include any uninsured loss in the recovery action we'll excesses. We will tell you if the excess must be paid to the repairer or us.also ask you to agree to the basis on which we'll handle your recovery However, if your motor vehicle is a total loss, we may deduct any excessaction. You may need to contribute to legal costs in some circumstances. that you must pay from any payment we make.Repair guarantee Depending on the age or experience of the driver, and whether a rigid body tipper or tipping trailer is insured under this policy, you may have toIf we authorise repairs to your motor vehicle, we will guarantee the quality contribute more than one excess. Each excess is shown in your Policyof the repairs for any defect due to faulty workmanship or faulty material Schedule and is explained below.for the life of your motor vehicle. For entitlement to any repairs under thisguarantee you must first allow us to inspect the motor vehicle and we must Where more than one motor vehicle covered under this policy is involvedagree that repairs are necessary. in an incident giving rise to a claim, you will have to pay the applicable excesses in respect of each motor vehicle insured.Salvage Standard excessWe're entitled to obtain and retain any items or materials salvaged orrecovered after you make, and we agree, to pay a claim by replacing or You will have to pay a standard excess for every claim. This amount is shownpaying to replace any items or materials. We may sell the items or materials in your Policy Schedule as the standard excess.and keep the proceeds. We may choose to sell the items or materials toyou, provided you agree to pay market price . Age or inexperienced driver excessSubrogation Applicable to motor vehicles with a GVM of less than 12,000 kgs.We may at any time, at our expense and in your name, use all legal means In addition to the standard excess, you will have to pay an age excess oravailable to you of securing reimbursement for loss or damage arising under inexperienced driver’s excess if at the time of any incident giving rise to ayour Policy. In the event we do so, you agree to give all reasonable assistance claim your motor vehicle is driven by a person who:for that purpose. 1. is under the age of 21; or 2. is aged 21 or more but under the age of 25; or 3. is aged 25 or more but has not held an australian driver’s licence for two or more years for the type of vehicle being driven at the time of the accident. You will not have to pay this additional excess if the only damage to your motor vehicle is a broken windscreen or window glass or caused by storm or hail damage. The conditions in additional benefit – window or window glass claim will apply. The amount of the age or inexperienced driver excess is shown in your Policy Schedule. Heavy motor vehicle inexperienced driver excess Age or inexperienced driver excess for heavy motor vehicles (motor vehicles with a GVM or GCM of 12,000 kilograms or greater). Where a rigid body motor vehicle with a GVM or GCM of 12,000 kilograms or greater is, at the time of an incident, being driven by or is in the charge of a person under 21 years of age, or the person driving or in charge of the motor vehicle has less than two years driving experience in australia for these motor vehicles at the time of the incident an excess of $5,000 per accident will apply. This excess is additional to the standard excess. Where an articulated motor vehicle with a GCM of 12,000 kilograms or greater is, at the time of an incident, being driven by or is in the charge of a person under 25 years of age, or the person driving or in charge of the motor vehicle has less than two years driving experience in australia for these motor vehicles at the time of the incident an excess of $5,000 per accident will apply. This excess is additional to the standard excess. Tipping excess If any rigid truck, rigid trailer or articulated trailer covered under this Policy is involved in an event giving rise to a claim whilst the tipping hoist is partially or fully extended or in the process of being extended or retracted, the standard excess shown in your Policy Schedule will be increased by 100% for each motor vehicle that is subject to claim. Any other applicable excesses that are additional to the standard excess will also apply and are cumulative.

18 Other termsOutside of radius excess These other terms apply to how your Policy operates.Applicable to motor vehicles with a GVM greater than 3,500 kilograms Cancelling your Policyand less than 12,000 kilograms. You can cancel your Policy at any time by telling us. If there are other peopleIf your motor vehicle is outside a radius of 250 kilometres or the radius named as insured on your Policy, we only need a request to cancel it fromshown in your Policy Schedule from your home base(s) or depot(s) at the one of you.time of an accident then the total excesses payable will be an additional100% of your standard excess and an additional premium will be payable We may cancel your Policy in any of the circumstances permitted by law(determined by us) for the change in business operations. (eg failure to pay the premium by the due date) by informing you in writing.Applicable to motor vehicles with a GVM/GCM greater than 12,000 We’ll give you notice in person or send it to your address (including ankilograms. electronic address) last known to us.If your motor vehicle is outside a radius of 250 kilometres or the radius If you've paid your premium in advance, we’ll refund you the proportion ofshown in your Policy Schedule from your home base(s) or depot(s) at the the premium for the remaining period of insurance, less any administrationtime of an accident then the total excess payable will be: fees.1. an additional 100% of your standard excess; or Changing your Policy2. $5,000; Changes to this Policy only become effective when we agree to them andwhichever is the greater. send you a new Policy Schedule detailing the change.An additional premium will be payable (determined by us) for the change Noticesin business operations. Any notice we give you will be in writing, and will be effective once it'sWhat you will not have to pay if you make a claim delivered to you personally or to your last known address (including when it’s an electronic one).Applicable to comprehensive cover only. It's important for you to tell us of any change of address as soon as possible.Applying only to motor vehicles that are sedans, station wagons, panel vans,4WD or goods carrying vehicles with a GVM less than 3,500 kilograms.You will not have to pay an excess if:1. you can satisfy us that the claim involves a collision with another vehicle and the collision which gave rise to the claim was totally the fault of the driver of another vehicle; and2. you tell us the registration number of the other vehicle and the full name, licence number and address of the other driver; and3. the amount of your claim exceeds the applicable excesses under the Policy.We give this benefit only if we are allowed legally to recover the amount ofany loss including any applicable excesses from the third party.Where the driver of the other vehicle disputes who was at fault, you mustpay any excess which applies but we will refund it if we are successful inestablishing that the other driver was at fault.



RENTAL VEHICLE INSURANCE POLICYTOP UP POLICYCopyright Camplify Co PTY LTD 1

MV AMENDMENT SUMMARY JUNE 2016 | CAMPLIFY PTY LTDGENERAL EXTENSIONS – APPLICABLE TO ALL SECTIONSAdditional InterestContractual LiabilityCross LiabilitySea TransportAdditions and DeletionsFAULTLESS EXCESS – When an Excess does not apply.When submitting Your claim to Us, You will not have to pay an Excess if, in Our opinion: (i) The Loss or Accident was not Your fault or the fault of the driver or passenger or contributed to by the driver or passenger of Your Vehicle; and (ii) You can provide Us with the name and current address of the person responsible for the Loss or Accident, together with the Vehicle registration numbers of the Vehicles involved in the Loss or Accident. (iii) The assessed amount you are claiming is more then the policy excess.GUARANTEE APPLICABLE TO COMPREHENSIVELY INSURED VEHICLESIf you lodge within 21 working days from the date of incident all relevant claims documentation being: Claim Form Collision / Damage Report Front and rear of the Rental Agreement One Quotation Registration Certificate And your policy is financial in accordance with agreed terms and in the event that your vehicle is deemed a total loss, Rentsure guarantee that your loss will be settled within 21 days or your next month’s lease payment for your damage vehicle will be on us.EXCESSESBasic ExcessThe Basic Excess of $1,000 will apply separately to each Vehicle and each Loss on that Vehicle.CLAIMS PROCEDUREPlease note that Payment of your Premium must be received before a Claim is authorised.Please refer to General Conditions 3 of the Policy.In the event of a Loss or Accident which may become the subject of a claim under the Policy You must immediately forward to Us:(i) full details in writing of the Loss or Accident; and (ii) any communication or court documents received.All new claims are to be notified directly to Camplify via email: [email protected] Section 1 and Section 2 Covers We require the following:(i) A Claim Form.(ii) Quotations for the estimated repairs (Section 1 only).(iii)The location of the Vehicle for assessment (Section 1 only).(iv)the applicable Rental Agreement for the Vehicle(v) Any special instructions pertaining to Rental Breaches and orcircumstances which should be brought to our attention to aid recovery.For Section 1 cover, in addition to the above, if Your Vehicle is a suspected Total Loss, please supply the Lease Payout figure and acopy of the Registration papers.The financial information supplied must be on the Financier letterhead and include:(i) The type of contract ie Lease, Corporate Hire Purchase.(ii) If GST is applicable state the amount.(iii) And note any Payments and interest charges and/or interest for the unexpired term of such agreement.Claim Forms are available from www.camplify.com.au or by telephoning our office on 1300 416 133 Copyright Camplify Co PTY LTD 2

MV AMENDMENT SUMMARY JUNE 2016 | CAMPLIFY PTY LTDAmendments to the Rentsure Product Disclosure Statement.SECTION ONE – ADDITIONAL BENEFITS2. New Replacement Vehicle item (a) is amended to delete the words ‘sedan, station wagon, utility or goods carrying Vehicle with aGross Vehicle Mass less than 4.5 Tonnes’; and add the words ‘caravan, camper trailer, and motorhome less than 3.5 tonnes GrossVehicle Mass’.3. Removal and Retrieval CostsWe will pay the necessary and Reasonable Costs of removal or retrieval of Your Vehicle (excluding debris or load of Your Vehicle) tothe nearest repairer or place of safety or to any location approved by Us, up to a maximum of $5000 per event.This clause replaces Additional Benefit – Applicable to Section 1 number 3 Removal and Retrieval Costs of the Rentsure ProductDisclosure Statement.4. Removal of DebrisWe will pay the Reasonable Costs and charges that are necessarily incurred to clean up or remove debris resulting from goods fallingor leaking from Your Vehicle.We will not pay more than $5,000 under this additional benefit in respect of all claims arising from one Loss or series of Losses arisingfrom the one event.This clause replaces Additional Benefit – Applicable to Section 1 number 4 Removal and Retrieval Costs of the Rentsure ProductDisclosure Statement.5. Emergency RepairsWe will pay the Reasonable Costs of Emergency repairs required to enable Your Vehicle to be moved to a place of safety, up to amaximum of $1,000.This clause replaces Additional Benefit – Applicable to Section 1 number 5 Emergency Repairs of the Rentsure Product DisclosureStatement.8. Repatriation of VehicleThe heading of Additional Benefits – Applicable to Section 1 number 8 now reads Repatriation of Driver.We will pay the Reasonable Cost of travel and accommodation expenses necessary for the repatriation of the driver of Your Vehicleat the time of the Loss to his or her home as the result of Loss or Damage to a Vehicle, up to a maximum of $3,000 per event.This clause replaces Additional Benefit – Applicable to Section 1 number 8 Repatriation of Vehicle of the Rentsure Product DisclosureStatement.Additional Benefits added to Section one of the Product Disclosure Statement.12. Returning your Vehicle to you after repairIf Your Vehicle has been repaired at repairers premises that is over 100 kilometres from Your usual residence, We will cover theReasonable Cost for You to travel to the repairer’s premises to collect Your Vehicle or the Reasonable Costs to deliver Your Vehicle toYour residence following Loss or damage to Your Vehicle which is covered under this policy.We will not pay more than $5,000 in total.13. Fusion of electric motorsWe will cover the cost of replacing any part or parts of household electrical motors contained in Your Vehicle, caused by the actual;burning out of such part or parts by the electrical current therein during the period of insurance.The amount of cover will be reduced 10% for each full year since the manufacture of the item that has sustained damage.We will not cover consequential loss, depreciation, wear and tear, electrical contacts at which sparking or arcing occurs in ordinaryworking; or for damage to mechanical parts of any description that occurred as a result of the motor burning out; or the cost of hiringa replacement appliance or machine; or if the Loss or damage is excluded by the policy.14. Frozen FoodsThis additional benefit does to apply while the Vehicle is on rent/hire.We will cover the cost of loss or damage to frozen foods belonging You caused by the accidental breakdown or failure of the freezingunit that occurs during the period of insurance. The maximum we will pay for any one event, accident is $500.15. Basic ContentsMeans crockery, cutlery, portable televisions, portable sound system belonging to the Insured whist contained within Your Vehicle orlockable annexe.Copyright Camplify Co PTY LTD 3

MV AMENDMENT SUMMARY JUNE 2016 | CAMPLIFY PTY LTDAdditional Benefits – Applicable to Section 2 deletionsThe following Additional Benefits – Applicable to Section 2 have been deleted.Additional Benefits – Applicable to Section 2, number 7 Towing Disabled Vehicles is deleted and therefore not covered.Additional Benefits – Applicable to Section 2, number 8 Vehicle Under Tow is deleted and therefore not covered.General Conditions – Applicable to All SectionsAdditional conditions to General Conditions – Applicable to All Sections11. Payment of Unpaid premium when your vehicle is a Total Loss.If Your Vehicle is a Total Loss and We have agreed to pay the Market Value or Agreed Value for Your Vehicle:The amount of any unpaid premium for the annual period of insurance will be deducted from the amount payable to You, andif We are replacing your Vehicle, you must pay Us the balance of any unpaid premium for the annual period of insurance.12. No return of premium after a Total LossIf your Vehicle is a Total Loss and We have agreed to pay the Market Value or Agreed Value for Your Vehicle, no return premium willbe made for any uninsured portion of the premium.CONDITIONS APPLICABLE TO YOUR POLICYNo under 25 Drivers unless an employee of Insured.Policy excludes renter and or drivers under 25 years of age and over 80 years of age.The Policy excludes Learners licence, Provisional one P1, and provisional two P2 drivers.No Cash Rentals.Credit card rentals must be authorised at the time of rental and before Your Vehicle passes to the control of the renter. The creditcard holder must be the renter or joint renter.Fleet additions over $70,000 in value are subject to acceptance and possible rate review.The policy does not cover sedan, station wagons, SUV, commercial vehicles, 4WD, exotic, prestige, sports cars, buses, trucks, or primemover. THE ABOVE INFORMATION IS A PRECIS ONLY AND SHOULD BE READ IN CONJUNCTION WITH THE RENTSURE RENTAL VEHICLE INSURANCE POLICY MCMPDS800290814 PREPARATION DATE 1 MARCH 2013.YOUR DUTY OF DISCLOSUREWe need to let you know about your Duty of Disclosure. When answering questions or providing any details, you must be honest andtell us everything you know or ought to know, in respect to that cover. It is important you understand that you are answeringquestions not only for yourself, but anyone else who may be insured under the policy.Failure to answer honestly or provide all available information in a clear and transparent way, may lead to a reduced or declined claim,or cancellation of the policy.We are entitled to review the terms of this quotation should there be any losses and/or claims not disclosed to Rentsure Pty Limited.Copyright Camplify Co PTY LTD 4

MV AMENDMENT SUMMARY JUNE 2016 | CAMPLIFY PTY LTDDECLARATIONSYou hereby declare that we have read the privacy statement and consent to the collection of the above information by Rentsure andor Lumley Insurance.You hereby declare that You have not withheld any material information. You also agree at the request of Rentsure or Lumleyinsurance to obtain from the relevant authority or government department a complete and up to date record of offences.No partner, principal or director has ever had insurance declined, cancelled, renewal refused or special conditions imposed by aninsurer.No partner, principal or director ever had bankruptcy in the last 5 years.You have never been convicted of any criminal charges or offenses, nor are criminal charges or allegations pending.No partner, principal or director has ever operated this business under any other name, or merged with another company.COOLING OFFIf You are not completely satisfied with Your Policy You may cancel it by notifying Us in writing within 30 days of cover having commenced. Youwill receive a refund of the amount You have paid unless something has occurred for which a claim may become payable under the Policy.CONFIRMING TRANSACTIONSYou may contact Us or Your adviser, in writing (which is always required if You are advising cancellation) or by phone, to confirm any transactionunder Your Policy. Any transaction will be documented by Us as quickly as possible.CODE OF PRACTICEA self-regulatory Code of Practice exists for the general insurance industry, designed to raise overall standards. Lumley Insurance has adopted theCode, details of which can be obtained from Your insurance Agent or Broker or any of Our Offices.COMPLAINTS – INTERNAL AND EXTERNAL COMPLAINTS PROCEDUREIf You do not agree with any decision We make in relation to Your insurance, please write to Us stating what You disagree with and whyWe will then either resolve or attempt to resolve Your complaint immediately or refer the matter to Our Internal Dispute Resolution Committee(IDRC).If You are not satisfied with a claim decision by the IDRC, the matter may be referred to an independent alternate dispute resolution body,“Insurance Enquiries and Complaints Limited” provided it falls within their jurisdiction.Copyright Camplify Co PTY LTD 5

MV AMENDMENT SUMMARY JUNE 2016 | CAMPLIFY PTY LTDDUTY OF DISCLOSUREBefore You enter into a contract of general insurance with an insurer, You have a duty at law to disclose to the insurer anything that You couldreasonably be expected to know is relevant to the insurer’s decision whether to accept the risk of insurance and if so, on what terms.You have the same duty to disclose those matters to the insurer before You renew, extend, vary or reinstate a contract of general insurance.Your duty however does not require disclosure of matter:- that diminishes the risk to be undertaken by the insurer;- that is of common knowledge;- that Your insurer knows or, in the ordinary course of business, ought to know;- as to which compliance with Your duty is waived by the insurer.If You fail to comply with Your duty of disclosure, the insurer may be entitled to reduce its liability under the contract in respect of a claim or maycancel the contract.If Your non-disclosure is fraudulent, the insurer may also have the option of avoiding the contract from its beginning.PRIVACYLumley Insurance respects Your privacy and complies with the Privacy Act and the National Privacy Principles. A copy of Our Privacy Policy andProcedures is available at any of Our Offices.Ref. /Client Code: CAMP001Encl. Product Disclosure Statement – March 2013 MCMPDS800290814 (PDS) Financial Services Guide (FSG) Copyright Camplify Co PTY LTD 6

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Rentsure Product Disclosure StatementRentsure About this ProductRental Vehicle Policy This document contains important information to help You:Policy Wording and Product Disclosure Statement a) d  ecide whether this product meets Your requirements;The insurer of this product is: andLumley Insurance, a trading name of WFI Insurance Limited. b) c  ompare this product with others You may be considering.ABN 24 000 036 279AFS Licence No 241461 Before You decide whether to purchase this product, YouHead Office should read this document carefully to understand itsLumley House features, benefits, terms and conditions.Level 9, 309 Kent StreetSydney NSW 2000 You should read:Phone (02) 9248 1111Fax (02) 9248 1122 c) t his important customer information part – it containsPreparation Date: 1 March 2013 information on important matters You need to be aware of before applying for this product; andAbout RentsureRentsure Pty Limited (Rentsure) ABN 98 059 004 634 is a d) th e policy which details the terms and conditions of thisspecialist underwriting agency who acts as agent at law product; andfor Lumley Insurance in marketing this insurance product. e) a ny other documents We provide to You about this product which may change the standard cover. Copyright Camplify Co PTY LTD 8

Rentsure Product Disclosure StatementRentsure Rental Vehicle Policy 3Table of ContentsIMPORTANT NOTICES 4 THE AGREEMENT 13  4 Section 1 – Cover for Your Vehicle 13 Collection 4 Additional Benefits – Applicable to Section 1 13 Use and Disclosure 4 Specific Exclusions – Applicable to Section 1 14 Indirect Collection 4 Section 2 – Liability to Third Parties 14 Overseas Recipients 5 Additional Benefits – Applicable to Section 2 15 Marketing 5 Specific Exclusions – Applicable to Section 2 16 Access and Correction 5 General Extensions – Applicable to all Sections 16 Data Quality and Security 6 General Exclusions – Applicable to all Sections 17 Privacy Policy 6 General Conditions – Applicable to all Sections 19 Complaints 6 6THE POLICY 6 Definitions 6 7 7 7 7 8 8 8 8 8 8 8 8 9 10 10 10 10 11 11 Copyright Camplify Co PTY LTD 9

Rentsure Product Disclosure StatementRentsure Rental Vehicle PolicyImportant Notices APPLYING FOR COVER Refer to the Cover Sections for details of the basis on which We settle any valid claim.To apply for cover You should contact Rentsure or Your adviser(insurance broker) who will arrange a quotation on Your behalf. You need to make sure that You are happy with the extentRentsure or Your adviser can help tailor cover to best suit Your of cover provided by this product. If not, You may not getneeds. We will use the information supplied by You or Your the cover You require.adviser to decide whether We will issue You with insurancecover and the terms of cover We will offer to provide. We If You do not adequately insure Your Vehicle(s), You may haveprovide cover to You on the terms contained in this document to bear the uninsured proportion of any Loss or liability.and the Schedule We issue to You. EXCESSIf You decide to accept the quotation terms provided, We willissue You or Your adviser with a Schedule. The Schedule will An Excess is the amount You must contribute towards the costcontain important information relevant to Your insurance of a claim and is payable for each and every claim covered byincluding the Period of Insurance, the Premium, details of Your the Policy. The ‘Basic Excess’ is shown in the Schedule and YouVehicle(s), the Excess(es) that will apply and whether any may have to pay additional Excesses. In some cases, We willstandard terms have been varied by way of endorsement. waive the requirement for You to pay an Excess (refer ‘General Conditions’ 4 in the Policy Wording for details).At least 14 days before the Policy expires We will send You orYour adviser a notice which tells You when the Policy will EXCLUSIONS/CONDITIONS/CANCELLATIONexpire and whether We are prepared to negotiate to renewor extend the cover. Subject to the Insurance Contracts Act 1984 (Cth) We may refuse to pay or reduce the amount We pay under a claim SUMMARY OF COVER in certain circumstances. In particular:The Policy cover can be tailored to meet Your requirements. a) w here exclusion applies; orBy way of summary, You may choose Comprehensive Cover(Sections 1 and 2) or Third Party Only Cover (Section 2): b) if You do not comply with the terms and conditions of the Policy; or• Section I – Vehicle Cover – this provides You with cover for Loss or damage to Your Vehicle as a result of an c) i f You do not comply with Your duty of disclosure or make Accident occurring within Australia during the Period of a misrepresentation; or Insurance up to the amount We have agreed upon. d) if You make a fraudulent claim.• Section 2 – Third Party Liability Cover – this provides You (and certain other persons) with cover for legal liability We may only cancel the Policy in certain circumstances where for Loss or damage to someone else’s property as a result We are permitted to do so by law and in particular under the of an Accident arising out of the use of Your Vehicle within Insurance Contracts Act 1984 (Cth), e.g. if You fail to comply with Australia during the Period of Insurance up to the limit of a condition or breach Your duty of disclosure. liability. You can cancel Your Policy at any time by writing to Us. If• Additional Benefits apply or each cover (see each of these You do, the cancellation will take effect when We receive Cover Sections for details). Your request or from any later date You tell Us. If You cancel, other than under the ‘Cooling Off period’ below, We refundExtension Cover applies to Section I Cover and Section 2 the premium less an amount which covers the period forCover to extend the available cover without increasing the which You were insured, reasonable administrative costsspecified limits in the Policy (refer ‘General Extensions’ in the relating to the issue and cancellation of the Policy and anyPolicy for details). government taxes or charges that are non-refundable and subject to the retention of any declared minimum premium.We only provide cover up to the amount(s) and limits specifiedin the Policy and subject to its other terms, conditions and However if You have made a claim or are entitled to makeexclusions. one under the Policy, We will not refund the premium for any unused portion and We may deduct the amount of any premium already refunded to You from any claim payment paid or payable to You. Copyright Camplify Co PTY LTD 10

Rentsure Product Disclosure StatementRentsure Rental Vehicle Policy 5Important NoticesOTHER PARTY’S INTERESTS What You must tell UsWe only cover persons specified in the policy as entitled to When answering Our questions, You must be honest and Youcover for the relevant interest specified unless we specifically have a duty under the ICA to tell Us anything known to You,agree to cover the interest of another party. If You want to and which a reasonable person, in the circumstances, wouldcover a person’s interest that is not specified You need to apply include in answer to the question. We will use the answers into Us for this. If We agree to cover the interest of another party, deciding whether to insure You and anyone else to be insuredthe details will be noted on Your Schedule. under the policy, and on what terms.PREMIUM CALCULATION Who needs to tell UsThe insurance provided is subject to Your payment or It is important that You understand You are answering Ouragreement to pay the premium We require by the agreed questions in this way for Yourself and anyone else that Youtime. The contract between You and Us will only come into want to be covered by the Policy.existence when You pay the premium. If You have not paid theamount payable for the premium by the agreed time, You are If You do not tell Usnot insured. If You do not answer Our questions in this way, We may reduceIn order to calculate premium various factors are considered, or refuse to pay a claim, or cancel a Policy. If You answer Ourincluding but not limited to the: questions fraudulently, We may refuse to pay a claim and treat the Policy as never having worked.a) type of Vehicle(s); Your duty of disclosure before You renew, extend, vary orb) value of Vehicle(s); reinstate Your Policyc) type of cover requested; You have a duty, under the ICA, to disclose to Us every matter that You know, or could reasonably be expected to know, isd) age of regular drivers; relevant to Our decision whether to accept the risk of the insurance and, if so, on what terms.e) location and operating radius of the Vehicle(s); Your duty however does not require disclosure of a matter:f ) claims history from prior years; and • that diminishes the risk to be undertaken by Us;g) rental procedures undertaken by Your Business. • that is of common knowledge;Your premium also includes amounts payable in respect ofcompulsory government charges and any taxes (including • that We know or, in the ordinary course of our business,stamp duty and GST). ought to know; orWhen You apply for this insurance, You will be advised of the • where compliance with Your duty is waived by Us.total amount payable as the premium. If You choose to effectcover, the amounts due will be clearly set out in the Schedule. When answering any questions, You must be honest.Where You pay your premium in monthly installments, if one We will use the information You disclose in deciding whetherinstallment of premium remains outstanding for more than to insure You and anyone else to be insured under the Policy,one month, We may cancel Your Policy. and on what terms.THE DUTY OF DISCLOSURE Consequence of non-disclosureYour duty of disclosure for a new Policy If You fail to comply with Your duty of disclosure for a new Policy, or before You renew, extend, vary or reinstate YourThe Insurance Contracts Act 1984 (Cth) (ICA) requires that Policy, We may be entitled to reduce Our liability underany information that We seek must be collected by a the policy in respect of a claim or may cancel it. If Yourspecific question. non-disclosure is fraudulent, We may also have the option of avoiding the policy from its commencement.Copyright Camplify Co PTY LTD 11

Rentsure Product Disclosure StatementRentsure Rental Vehicle PolicyImportant Notices GOODS AND SERVICES TAX (GST) CONFIRMING TRANSACTIONSThe amount of premium payable for the Policy includes an You may contact Us, in writing or by phone, to confirm anyamount on account of the GST. transaction under the Policy if You or Your adviser do not already have the required Policy confirmation details.All amounts insured by the Policy are in accordance with theadvice You have given to Us regarding Your GST status and CODE OF PRACTICEthe GST status of the items to be insured. Any claimsettlements, up to the total of all amounts insured, will be The General Insurance Code of Practice was developed bycalculated with reference to your GST status and the GST the Insurance Council of Australia to further raise standardsstatus of the property which is the subject of the claim. of practice and service across the insurance industry. We are a signatory to the Code of Practice. You can obtain moreWe will not be liable to pay any GST, or any fine, penalty information on the Code of Practice and how it assists Youor charge that You are liable for arising out of Your from Your insurance agent or broker or Our office.misrepresentation of, or failure to disclose, Your proper inputtax credit entitlement on the premium relating to the Policy. COMPLAINTS PROCEDUREIn respect of Your Policy with Us, where You are registered for We will do everything possible to provide a quality service toGST purposes, You should calculate Your proposed Sums You. However, We recognise that occasionally there may beInsured with reference to the GST status of each Vehicle or some aspect of Our service or a decision We have made thatitem of property to be insured. Depending on the GST status You wish to query or draw to Our attention.of each Vehicle or item of property insured, the Sum Insuredmay or may not include a GST component. An amount for WFI Insurance Limited has a complaints and disputeGST should only be included in the Sum Insured if the Vehicle resolution procedure which undertakes to provide anor item of property to be insured is not used 100% for answer to Your complaint within 15 working days.business use. All Vehicles or items of property to be insuredused 100% for business use should be insured on a GST If You would like to make a complaint or access Our internalexclusive basis. Any claim settlements, up to the total of all dispute resolution service please contact Your nearestamounts insured, will be calculated with reference to Your Lumley Insurance office and ask to speak to a disputeGST status and the GST status of the property which is the resolution specialist.subject of the claim. If You are not happy with Our answer, or We have taken moreThis outline of the effect of the GST on Your Policy is for than 15 working days to respond, You may be able to accessgeneral information only. You should not rely on this the services of an independent external dispute resolutioninformation without first seeing expert advice on the body approved by ASIC called the Financial Ombudsmanapplication of the GST to Your particular circumstances. Service (FOS). UNDERINSURANCE The FOS resolves certain insurance disputes between consumers and insurers and will provide an independentIt is Your responsibility to ensure that the Sum Insured review at no cost to You. Lumley Insurance is bound byof the Vehicle or property You want insured by this Policy the determination of the FOS but the determination is notis adequate. binding on You.You should review the adequacy of the Sum Insured The FOS contact details are as follows:periodically during the Period of Insurance and prior toeach renewal year. The Financial Ombudsman Service GPO Box 3, Melbourne VIC 3001 COOLING OFF PERIOD General Inquiries: 1300 78 08 08If You are not completely satisfied with the Policy, You maycancel it by notifying Us in writing within 30 days of cover Website: www.fos.org.auhaving commenced that You wish to do this. You willreceive a refund of the premium amount You have paid Email: [email protected] You have made a claim or something has occurredwhich would entitle You to make a claim under the Policy. Copyright Camplify Co PTY LTD 12