Migh be a bit wordy and a bit long winded, but I have attached what Australian 4WD Insurance sent me below for info. This relates to my 1996 NJ Pajero 3.5 litre petrol auto. Not sure about other makes and models.
QUOTE ONLY FOR 4WD INSURaNCE
CLASS: Australian 4WD Insurance
UNDERWRITER: Allianz Australia Limited
LOCATION: Australia Wide
MOTOR VEHICLE: 1996 Mitsubishi Pajero GLS (Auto)
STANDARD EXCESS: $500.00 additional excess shown in current policy booklet
RATING: 1 – 60 % (Proof From your previous insurer is required)
SUM INSURED:
Market value of your vehicle including equipment supplied and
fitted by the manufacturer and all equipment not supplied and
fitted by the vehicle manufacturer as specified on the schedule.
Ø PLEASE NOTE VEHICLE IS COVERED FOR FULL OFF ROAD AND ON ROAD COVER ANYWHERE IN AUSTRALIA THERE IS NO RESTRICTIONS TO THIS COVER.
Ø *THE POLICY IS A MARKET VALUE POLICY PLUS MARKET VALUE OF ALL ACCESSORIES.
Ø TO HAVE AN AGREED VALUE POLICY AN INDEPENDENT VALUATION WILL BE NEED TO BE OBTAINED & SUBMITTED IN ORDER FOR US TO ACTION THE AGREED AMOUNT
Ø IT IS IMPORTANT THAT ALL ACCESSORIES ARE ADDED TO YOUR
SCHEDULE ONCE PURCHASED AS THIS WILL BE INCLUDED IN
THE MARKET VALUE OF YOUR VEHICLE.
PLEASE NOTE VEHICLE CAN HAVE ANY MODIFICATION
ADDED TO VEHICLE, THERE ARE NO RESTRICTIONS.
IN THE CASE OF A TOTAL LOSS OR THEFT, MODIFICATIONS
WILL NOT BE INCLUDED.
DUTY OF DISCLOSURE What you need to tell us
A renewal of insurance is a new insurance contract and you are required to tell us anything that you know or should know could affect our decision to insure you.
If you do not tell us this information, we can reduce the amount of a claim, or we can treat your policy as if it never existed.
If you answer yes to any of the following questions, please contact our agent or your broker.
1. Has any insurer refused or cancelled cover on any of your policies or required special terms to insure you in the past 12 months?
2. Have you, or any person who will drive your car(s), in
the past 12 months:
a. Been charged with, or convicted of, or penalised for, any motoring offences? (This includes on the spot fines but does not include parking offences.)
b. Had a driving licence suspended, cancelled or restricted by endorsement?
c. Been charged with or convicted of any criminal offence?
3. Has your car been modified or converted from the maker's specifications or fitted with accessories other than those supplied as maker's options?
4. Are there any other material facts that you need to tell us?
(Please refer to the duty of disclosure section in your Policy booklet.)
IMPORTANT NOTICES
Policy amendments
These amendments should be read in conjunction with your policy booklet as the terms described now form part of your policy.
Policy excess
For each separate identifiable incident for which your policy provides cover any applicable excess will apply for each incident giving rise to a claim.
Cooling-off period
If you decide that you do not wish to continue with this policy, you have twenty-one days after the commencement of this insurance to request cancellation. We will provide you
with a refund of premium paid, provided you have not made a claim under the policy.
The company reserves the right to vary the premium or the terms of this policy if, after the 'date of issue' of this notice, a claim is made relative to an event which occurred
prior to the commencement of the 'period of insurance' shown hereon.
This Supplementary Product Disclosure Statement (Supplementary PDS) is dated 5th February 2007 and will apply to policies that commence or renew, on or after 30th
March 2007.
You have received a Product Disclosure Statement (PDS) for a policy which includes motor vehicle cover either with this policy, when you first took out the policy with us or at a
later time.
This Supplementary PDS updates, and should be read with, the most recent PDS you have received from us and any other applicable Supplementary PDS.
Changes to your PDS Your PDS is amended to the effect that, under the motor
vehicle cover in your policy, where we elect to repair your vehicle:
You can suggest a repairer, or we can suggest one for you. If we do not accept your
choice of repairer, you must still cooperate with us to select another repairer
that we both agree on. This is our policy on choice of repairer. When your vehicle
. is repaired, the repairer may use reusable parts or parts that are not
manufactured by a supplier to the vehicle's original manufacturer which:
. are consistent with the age and condition
of the vehicle;
. do not affect the safety or the structural
integrity of the vehicle;
. comply with the vehicle manufacturer's
specifications and applicable Australian
Design Rules;
. Do not adversely affect the post repair
appearance of the vehicle; and
. do not void or affect the warranty
provided by the vehicle manufacturer.
. In repairing your vehicle, we may arrange for a part of the repair to be carried out by a Specialist service provider, for example windscreen repairs.
. We guarantee workmanship of the repairs authorised by us. This guarantee is for the
life of the Vehicle and is in addition to your statutory rights against the repairer and warranties that you have from the repairer directly. Wear and tear is not covered by this guarantee.
We will arrange for repairs authorised by us to be rectified at no cost to you if we
agree that the repairs are defective. Before we can arrange for any defective Repairs to be rectified, you must give us the opportunity to inspect the vehicle.
If you have any questions, or would like another copy of the
PDS, please contact your insurance advisor or call us on the
contact telephone number on your schedule.
QUOTATION PREMIUM
· Full comprehensive
NO RESTRICTION ON NUMBER OF KILOMETERS TRAVELLED PER YEAR
nO RESTRICTION ON THE NUMBER OF dRIVERS
UNDER 25 YEAR OLD DRIVERS ARE COVERED AS AN ADDIDIONAL DRIVER AND ONLY COVERED IF NOTE ON THE POLICY SCHUDULE
STANDARD STATE EXCESS APPLYS for all drivers over 25
Quote Number: 132Q066411CMP
ANNUAL $683.73 - MONTHLY $ 52.39
incluDING A $55.00 ADMIN FEE &
IMPORTANT NOTE: for the monthly payment option, the $55.00 Broker Fee is not included in your monthly installments and must be paid separately to Australian 4WD via cheque, money order or credit card.
