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1 I N S U R A N C E B A S I C MOTOR FLEET

2 I N S U R A N C E B A S I C MOTOR FLEET This document is a combined product discosure statement and poicy wording. (30 June, 2012) PART A PRODUCT DISCLOSURE STATEMENT (PDS) Part A of this booket contains a Product Discosure Statement ( PDS ). The PDS is designed to assist You to make informed choices about Your insurance needs. The PDS contains information about the significant features and benefits and costs of the insurance as we as information about how Your disputes may be deat with, Your cooing off rights and other reevant information, incuding other rights, terms, conditions and obigations attaching to Your Poicy. PART B POLICY WORDING Part B of this booket contains the Poicy Wording which sets out the terms, conditions and excusions reating to Your Poicy. Pease read Parts A and B of this booket carefuy. A persons insured under the Poicy wi be issued with a Certificate of Insurance. The Certificate of Insurance sets out the specific terms appicabe to Your cover and shoud be read together with this PDS and Poicy Wording. The PDS, Poicy Wording, the Certificate of Insurance, Appication Form, any other decarations You make and any endorsement, amendment or ateration to Your cover wi form the ega contract between You and Us ( Poicy ). Pease keep these documents in a safe pace for future reference. We wi aso provide a Master Poicy Schedue to your Leasing Company, which wi aso form part of Our Poicy with You. Any such documents wi be dated and wi incude a statement identifying them as part of the Poicy. If any major omissions, updates or corrections need to be made to the PDS, Poicy Wording or Certificate of Insurance, a suppementary document wi be provided. If You require further information about the Poicy, pease contact Your Leasing Company. P A R T A PRODUCT DISCLOSURE STATEMENT (PDS) ABOUT ARMADA UNDERWRITING PTY LTD Armada was created to specificay cater to the insurance requirements of the novated motor vehice easing and motor vehice feet insurance market. Armada acts under a binder agreement with the Insurer and in doing so acts as an agent for and on behaf of the Insurer. Armada are authorised by the Insurer to quote contracts of insurance; issue contracts of insurance, coect premiums and assist with the handing of caims as an agent of the Insurer. This aows Armada to issue the Poicy as if Armada were the Insurer and when Armada does this Armada acts as an agent of the Insurer and not on your behaf ARMADA UNDERWRITING Pty Ltd ABN: AFS Licence No: ADDRESS: Leve 3, 100 Weington Parade East Mebourne Victoria 3002 TELEPHONE: FAX: WEBSITE: 1

3 ABOUT THE INSURER The Insurer of the Poicy is the Internationa Insurance Company of Hannover Limited - Austraian Branch (ABN ) and its registered address is Leve 21, Austraia Square, 264 George Street Sydney NSW The Insurer is reguated in Austraia by the Austraian Prudentia Reguation Authority ( APRA ). Internationa Insurance Company of Hannover Limited is a company registered in the United Kingdom and its registered address is 10 Fenchurch Street, London, EC3M 3BE, United Kingdom. Armada is authorised by the Insurer to enter into contracts of insurance (underwritten by the Insurer) on their behaf under a binding authority agreement as if it were the Insurer. Armada do not act on your behaf. About this Poicy This Poicy is issued to the Leasing Company and each person who eects to be covered as an Insured under the Poicy. If You choose to take out this insurance, the Poicy wi insure You in respect of oss or damage to Your Vehice and third party iabiity arising from the use of Your Vehice during the Period of Insurance according to the terms and conditions of the Poicy. Both You and the Finance Company are entited to caim in accordance with the terms of this Poicy. If Your Vehice is the security for any Finance Agreement and the name of the Finance Company is noted on the Certificate of Insurance, then: We have the right to make caim payments to the Finance Company, and Any payment made to the Finance Company wi satisfy Our obigation to You under this Poicy for the amount paid subject to the amount owing under Your Finance Agreement. We wi pay You the baance of any insurance caim that We have agreed to pay, which exceeds the amount owing under Your Finance Agreement. The imit of iabiity and coverage avaiabe to You is shown in Your Certificate of Insurance. Payment of premiums You have an option to pay premiums by monthy instament or on an annua basis as agreed with the Leasing Company. The fu monthy premium is payabe irrespective of which day in the caendar month that cover on Your Vehice commences. For exampe, You wi be iabe to pay the fu monthy premium for the month of January if cover for Your Vehice commences in January, regardess of whether the Poicy commences on the 1st or 31st of January. You wi not incur any additiona charges and Your premium wi not increase if You choose to pay by monthy instament. If You do choose to pay Your premiums by monthy instament, Your premium amount wi be deducted on a monthy basis from Your saary as agreed with the Leasing Company whist You remain in empoyment with Your Current Empoyer. The Leasing Company wi forward Your premiums to Armada on a monthy basis, uness otherwise agreed between Armada and Your Leasing Company. Canceing Your Poicy 1. How You may cance this Poicy You may cance this Poicy at any time by teing Us in writing that You want to cance it. You can do this by giving the notice to Your Leasing Company. 2. How We may cance this Poicy We may cance Your cover under this Poicy if You breach any of the foowing conditions of cover or otherwise where We are permitted by aw to do so. Where We cance Your Poicy, We wi inform You in writing in accordance with this Poicy and the requirements under the Insurance Contracts Act 1984 (Cth). If We cance this Poicy, We wi give You and the Leasing Company a canceation notice. Your cover wi cease on the date as shown on the canceation notice that We provide You. 3. Termination of empoyment Where You have chosen to pay Your premiums by monthy instaments, it is a condition of this Poicy for You to remain in empoyment with Your Current Empoyer. If You cease to be empoyed with Your Current Empoyer at any time during the Period of Insurance, We wi cance the Poicy. We wi not refund the premium paid in the month in which canceation occurs and We wi notify You of when canceation wi take effect. It is essentia that You contact the Leasing Company immediatey if You cease to be empoyed by Your Current Empoyer. Payment of the insurance premiums by saary deduction wi cease on termination of empoyment with Your Current Empoyer. 2

4 4. Termination of ease or expiration of ease term It is a condition of this Poicy that You have a current and vaid Lease Agreement with the Leasing Company. Your cover under this Poicy wi cease on termination or expiration of Your Lease Agreement and We wi cance the Poicy. If You pay Your premium by monthy instaments, We wi not refund the premium paid in the month in which canceation occurs and We wi notify You of when canceation wi take effect. Payment of the insurance premium by saary deduction wi cease on termination of the Lease Agreement or expiration of the Lease Agreement. 5. Change in empoyment status If Your empoyment status changes to eave without pay and You have chosen to pay Your premiums by monthy instaments then: (a) Payment of premium instaments to Us wi continue to be paid from any positive baance in Your saary packaging account ( SPA ) unti the baance is no onger positive. (b) If there is no positive baance in the SPA and You fai to make aternative arrangements for the payment of premium, We wi cance Your Poicy if the instaments remain unpaid for one month. 6. Non-payment of premiums If You have chosen to pay Your premiums by monthy instaments and You fai to pay an instament for a period of one month, We wi cance Your Poicy. 7. Aternative insurance arrangements Uness otherwise agreed by Your Leasing Company and with Armada, You wi need to make aternative insurance arrangements foowing canceation of the cover under this Poicy where the above conditions appy as Your Vehice wi be uninsured and You may be in breach of Your Lease Agreement. 8. Refund of premium If You have chosen to pay Your premiums on an annua basis and Your Poicy is canceed during the Period of Insurance, We wi refund You the unexpired portion of the premium. You wi not be entited to any refund if You have made a caim under the Poicy during the Period of Insurance. If You have chosen to pay Your premiums by monthy instaments and Your Poicy is canceed, You wi not be entited to any refund of the monthy premiums that You have paid (regardess of the day on which You have canceed the Poicy). Your Individua Requirements When preparing this Poicy, neither the Insurer, the Leasing Company nor Armada have taken into account Your individua objectives, requirements or financia position. Armada generay distributes its products through icensed insurance brokers or advisers ( Advisers ). You shoud discuss with Your Adviser the type of risks You need to insure against and the appropriate amount of cover that You need. Further, if You have any questions about the appropriateness of this product for Your objectives, requirements or financia position, You shoud seek advice from Your Adviser. If You wish to contact Armada about this Poicy, pease use the contact detais given above. However, neither Armada nor Your Leasing Company can provide You with persona advice as to whether the product is appropriate for Your objectives, requirements or financia position. They can ony provide factua information or genera advice about this product. If Your circumstances, reevant to the risks We have agreed to insure, change after taking out this insurance You shoud notify Armada (or ask Your Adviser to do so on Your behaf) as soon as possibe. Poicy Benefits and Features There are 3 sections of cover under this Poicy: (a) Section 1 is the Own Damage Cover, which covers oss and damage to Your Vehice incuding any Accessories noted in Your Certificate of Insurance, if Your Vehice is stoen, ost or damaged due to an incident; (b) Section 2 is the Third Party Liabiity Cover, which covers Your ega iabiity to third parties for property damage and bodiy injury, in the event of an incident invoving Your Vehice; and (c) Section 3 is the Additiona benefits Cover, which provides additiona benefits as shown in of Your Poicy Wording. These benefits and features are described further beow in the Poicy Wording. Caims may be refused in certain circumstances. Pease refer to the Poicy Wording (Part B) which foows this PDS for fu detais of the terms and conditions of cover and excusions that appy. 3

5 The Poicy does not cover certain things The Poicy wi not cover any oss or damage to Your Vehice or Your ega iabiity if Your Vehice: (a) is being driven by anyone: who does not hod an appropriate driving icence; or who is under the infuence of acoho or drugs; or whose bood acoho reading exceeds the ega imit; or who foowing an accident, refuses to provide or aow the taking of a sampe of breath, bood or urine for testing anaysis as required by the aw of any state or territory in which the accident occurred. (b) is stoen or is invoved in an accident and You incur costs because You cannot use Your Vehice except as may be specificay covered under this Poicy; (c) has been modified in a way that materiay increases its designed top speed or performance and We were not tod this and/or had not agreed to it in writing; (d) is being used to carry more passengers or carrying or towing a heavier oad than it was designed for; (e) is used for purposes other than those shown in the Certificate of Insurance; (f) is being driven on a pubic road whie not registered for use on a pubic road; (g) has been egay seized or repossessed; (h) is being used when it is in an unsafe or unroadworthy condition and You knew or shoud have known that it was unsafe or unroadworthy. The Poicy wi not cover damage to Your Vehice reating to: (a) damage to its tyres caused by the appication of brakes, road punctures, cuts or bursting uness caused as a resut of an incident covered under the Poicy or peope acting maiciousy; (b) depreciation, fair wear and tear, rust or corrosion; (c) faiure or breakdown of a structura, eectrica, mechanica or eectronic nature; (d) fauty design or workmanship of Your Vehice parts; (e) mechanica damage howsoever caused except as a direct consequence of an accident or event covered by this Poicy or Your Vehice being driven by a thief; or (f) incorrect fue being utiised. We may refuse to pay for any oss or damage to Your Vehice or Your ega iabiity arising out of: (a) Your faiure to compy with a condition of this Poicy; (b) a deiberate act by You or anyone acting with Your permission; (c) Your admission of iabiity or faut for damage or injury without Our consent, except where such iabiity woud have been incurred even if You had not admitted faut or iabiity. These are ony some of the events that may not be covered by this Poicy. Pease read the Poicy Wording which foows this PDS for fu detais of a reevant poicy excusions that appy to this Poicy. The cost of this Poicy The tota premium is the amount We charge You for this Poicy. It incudes the amount which We have cacuated wi cover the risk, and any taxes and government charges. The premium and any taxes and government charges wi be shown on Your Certificate of Insurance. When cacuating Your premium We take a range of rating factors into account. These factors, and the degree to which they affect Your premium, wi depend upon the information You provide to Us. The foowing factors may have a significant impact on the cacuation of Your premium: the make and mode of the Vehice; the market vaue of the Vehice; the pace where the Vehice is usuay parked and garaged; and the caims experience in respect of a Vehices and for a drivers insured under the Poicy. Premiums wi be reviewed on the renewa date of the Poicy each year and may be varied depending on the caims experience or other factors which We may take into account. Appicabe Excesses The amount of any caim made against the Poicy may be reduced by the amount of any Excess(es) and more than one Excess may appy in respect of any one caim. Depending on the age or experience of the driver and the circumstances of the caim, You may have to contribute 4

6 more than one Excess. If We accept Your caim, We wi deduct the appicabe Excess shown in Your current Certificate of Insurance from any amount We pay under Your caim. If the cost of repair is ess than the appicabe Excess no caim can be made under this Poicy. Where further oss or damages arises from separate, subsequent or intervening cause or causes we wi treat each such cause or causes arising in oss or damage as a separate caim and appy the further appicabe Excess or Excesses. The foowing are the types of Excesses which may appy under Your Poicy: Standard Excess this is the first amount You wi have to contribute to every caim You make under this Poicy. Additiona Excesses the Excesses set out beow are in addition to the Standard Excess and accumuate with the Standard Excess and each other if they appy. Age or Inexperienced Driver Excess this wi appy in addition to the Standard Excess and appies where your Vehice is driven by a person: under the age of 25; or aged 25 or more but who has not hed a driver s icence for 2 or more years. Learner Driver Excess this appies if at the time of a oss or damage a icensed earner driver is in contro of the Vehice. The Excess(es) that wi appy are those that woud have appied to the icensed passenger who is instructing the earner. Off road Excess this appies if Your Vehice is damaged whie it is being driven on any beach or off any pubic road (but not incuding driveways and other and beonging to You), any appicabe Excess(es) payabe under the Poicy wi be doubed. Windscreen or window gass Excess the standard Excess appies if Your Vehice sustains oss or damage to a windscreen or window gass ony. Mutipe Caims Excess an additiona $300 Excess wi appy in respect of each subsequent caim after the first at faut caim made during the Period of Insurance. There are some circumstances where an Excess wi not appy. Pease refer to the section headed When You wi NOT have to pay an Excess in Part B of this booket for more information. Privacy Privacy egisation reguates the way private sector organisations can coect, use, keep secure and discose persona information. We are bound by the Privacy Act 1988 (Cth), when coecting and handing Your persona information. We have deveoped a privacy poicy which expains what sort of persona information We hod about You and what We do with it. We wi ony coect persona information from or about You for the purpose of assessing Your appication for insurance and administering Your insurance poicy, incuding any caims You make or caims made against You. We wi ony use and discose Your persona information for a purpose You woud reasonaby expect. We may need to discose persona information to Our reinsurers (who may be ocated overseas), insurance intermediaries, insurance reference bureaux, credit reference agencies, Our advisers and those invoved in the caims handing process (incuding assessors, investigators and other insurers), for the purposes of assisting Us and them in providing reevant services and products, or for the purposes of recovery or itigation. We may discose persona information to peope isted as co-insured on Your poicy and to famiy members or agents authorised by You. We may aso discose information to organisations which conduct customer service surveys on Our behaf. We wi request Your consent to any other purpose. By providing Your persona information to Us, You consent to Us making these discosures. Without Your persona information We may not be abe to issue insurance cover to You or process Your caim. You aso have the opportunity to find out what persona information We hod about You and, when necessary, correct any errors in this information. Generay We wi do this without restriction or charge. For further information about Our privacy poicy or to access or correct Your persona information, pease contact Us. How to make a caim If You woud ike to make a caim under this Poicy, pease contact the Caims Service Team using the contact detais shown in the Contacting Us section in Part B of this booket. We wi ony accept responsibiity for repairs or payments to third parties under a caim where You have advised Our Caims Service Team beforehand and We have accepted Your caim. Fu detais of what You must do for Us to consider Your caim are provided in the Caims section in Part B of this booket. 5

7 Dispute resoution We are dedicated to providing You with a high standard of service and We want to ensure We maintain these standards at a times. If You fee that We have not offered You a first cass service pease write and te Us and We wi do Our best to resove the probem. If You have any concerns or compaints about Your Poicy or how Your caim has been handed, You shoud, in the first instance, contact Armada at: ARMADA UNDERWRITING Pty Ltd ADDRESS: Leve 3, 100 Weington Parade East Mebourne Victoria 3002 TELEPHONE: FAX: WEBSITE: Your compaint is sti not resoved to Your satisfaction then You may refer Your matter further by writing to Our Interna Dispute Resoution Committee as foows: Interna Dispute Resoution Committee Internationa Insurance Company of Hannover Limited Austraian Branch The Recentre, GPO Box 3973, NSW 2001 We wi undertake to answer Your queries or compaints within fifteen (15) working days. If You are not happy with Our response, or We have taken more than 15 working days to respond, You may take Your compaint to the Financia Ombudsman Service (FOS), an ASIC approved externa dispute resoution body. The FOS resoves certain insurance disputes between consumers and insurers and wi provide an independent review at no cost to You. We are bound by the determination of the FOS but the determination is not binding on You. You can contact FOS at: Financia Ombudsman Service GPO Box 3, Mebourne VIC 3001 Teephone: Emai: Website: Cooing-off information If You change Your mind about this Poicy after Your decision to buy it, You may cance it and receive a fu refund. To do this You may notify Armada eectronicay or in writing within 21 days from the date the Poicy commenced. This cooing-off right does not appy if You have made a caim under the Poicy. Even after the cooing-off period ends, You sti have canceation rights however Your Leasing Company may deduct certain amounts from any refund for administration costs or any non-refundabe taxes. Financia Caims Scheme This Poicy is a protected poicy as defined under the Insurance Act 1973 (Cth). This means that in the unikey event that We become insovent You may be entited to payment under the Financia Caims Scheme that is avaiabe under the Insurance Act, provided You meet the eigibiity criteria. The Insurance Act is administered by APRA and more information may be obtained from APRA on or P A R T B POLICY WORDING Our agreement with You This Poicy is a ega contract between You and Us. In consideration of You paying the premium, We wi provide You the cover as set out in this Poicy, during the Period of Insurance as shown on Your Certificate of Insurance. You have an option to pay premiums on a monthy or annua basis as agreed with the Leasing Company. The fu monthy premium is payabe irrespective of which day in the caendar month that cover on Your Vehice commences. For exampe, You wi be iabe to pay the fu monthy premium for the month of January if cover for Your Vehice commences in January, regardess of whether the Poicy commences on the 1st or 31st of January. The Excesses set out in the section headed What You must pay if You make a caim Excess appy to a caims except where 6

8 otherwise stated. The amount of any Excess that appies to Your Poicy wi be shown on Your Certificate of Insurance. The excusions in the section(s) headed Genera Excusions and conditions in the section headed Genera Conditions appy to a sections of cover under this Poicy. Other party s interests You must te Armada of the interests of a parties (e.g. finance companies, owners, essors) who wi be covered by this insurance. We wi protect their interests ony if You have tod Armada about them and Armada have noted them on Your Certificate of Insurance. Key words with specia meanings Accessories Appication Form Armada Certificate of Insurance Current Empoyer Excess(es) Finance Agreement Finance Company Insurer Lease Agreement Leasing Company Market Vaue Master Poicy Schedue Partia Loss Period of Insurance Substitute Vehice Tota Loss Vehice We, Our or Us You or Your Your famiy means the accessories which are fitted on Your Vehice as shown in your Lease Agreement with the Leasing Company or otherwise as notified to Us and noted in Your Certificate of Insurance. means the form You must compete in order to appy for coverage under this Poicy. means Armada Underwriting Pty Ltd. means the certificate We give You showing Your coverage under this Poicy. means Your current empoyer as stated on Your Certificate of Insurance. means the amount(s) specified in Your Certificate of Insurance and esewhere in the Poicy which You must contribute to each caim You make under this Poicy. means the agreement containing the terms and conditions of the financing arrangements for the purchase of Your Vehice. means the financia institution providing You with the Finance Agreement. means Internationa Insurance Company of Hannover Limited - Austraian Branch (ABN ). means a ease agreement provided by Your Leasing Company in respect of Your Vehice. means the company stated on Your Certificate of Insurance as the easing company and who provides Your Lease Agreement. means the cash purchase price of a vehice of the same age, type and condition of Your Vehice, in Your oca area, but excuding costs and charges for registration, stamp duty transfer and any deaer warranty costs. means the schedue We give to Your Leasing Company providing detais of the cover provided under this Poicy. means where any oss or damage to Your Vehice does not constitute a Tota Loss. means the period shown on the Certificate of Insurance. means a registered vehice not owned by You, but used by You as a substitute whie Your Vehice is being serviced, repaired or is not driveabe and You have the owner s consent to drive it. Substitute Vehice however does not mean a hire car. means one of the foowing two events arising out of any oss or damage to Your Vehice: the cost to repair Your Vehice pus the vaue of any savage (if appicabe) exceeds the Market Vaue; or Your Vehice is stoen and not recovered within a reasonabe period of time as determined by Us means the vehice described in Your Certificate of Insurance. means the Insurer. means person named on the Certificate of Insurance as the Insured. means any member of Your famiy who ives permanenty with You, incuding Your partner. 7

9 Duty of Discosure What You must te Us Under the Insurance Contracts Act 1984 ( the Act ), You have a Duty of Discosure. The Act requires that before You enter into an insurance poicy, You must give Us certain information which is reevant to Our decision on whether to insure You and anyone ese to be insured under the Poicy, and on what terms. New Poicy Where You are entering into this Poicy for the first time (that is You are not renewing, varying, extending or reinstating this Poicy) You must answer the specific questions that We ask. When answering Our questions You must be honest and te Us everything You know and that a reasonabe person in the circumstances coud be expected to te Us. Who needs to te Us It is important that You understand You are answering Our questions for yoursef and anyone ese whom You want to be covered by the Poicy. If You do not te Us If You do not answer Our questions in this way, We may reduce or refuse to pay a caim, or cance the Poicy. If You answer Our questions frauduenty, We may refuse to pay a caim and treat the Poicy as never having existed. Renewas, variations, extensions and reinstatements Once Your Poicy is entered into and is no onger a new Poicy, Your Duty of Discosure changes. You are required before You renew, vary, extend or reinstate Your Poicy, to te Us everything You know and what a reasonabe person in the circumstances coud be expected to know, is a matter that is reevant to Our decision whether to insure You, and anyone ese to be insured under the Poicy, and if so, on what terms. You do not have to te Us about any matter - That diminishes the risk - That is common knowedge - That We know or shoud know in the ordinary course of Our business, or - Which We indicate We do not want to know If You do not te Us If You do not compy with Your Duty of Discosure We may reduce or refuse to pay a caim or cance Your Poicy. If Your non-discosure is frauduent We may treat this Poicy as never having existed. You must te Us whenever You permanenty move away from the pace where Your Vehice is usuay parked or garaged. As this factor impacts on the cacuation of Your premium, it is important that You te Us as soon as the move is confirmed. As a resut of Your notification Your premium and saary deduction amount may ater. A discosures are to be made to Armada in writing. Your Duty of Discosure is different, depending on whether this is a new Poicy or not. This Poicy provides cover during the Period of Insurance: (a) against theft or accidenta oss or damage to Your Vehice as described in Section 1; (b) against Your ega iabiity for property damage and injury to other peope caused by Your Vehice as described in Section 2; and (c) for additiona benefits as described in Section 3 Additiona benefits. The causes or events not covered by this Poicy are described under each cover section, What You are Not insured against and When You are not covered as we as under the Genera Excusions section of this Poicy. 8

10 I N S U R A N C E C O V E R SECTION 1, 2 & 3 Section 1 Insurance cover for Your Vehice 1.1 What You are insured against The cover on Your Vehice We cover You against theft or accidenta oss or damage to Your Vehice occurring during the Period of Insurance. Cover on Your Vehice incudes: (a) Standard equipment for the particuar make and mode of Your Vehice fitted by the origina manufacturer; (b) Any Accessories isted in the Certificate of Insurance; and (c) Other fitted accessories, and Your Vehice s toos or spare parts in or on Your Vehice, up to $500 in tota. 1.2 What You are NOT insured against We do not cover Your Vehice for the foowing: (a) damage to its tyres caused by the appication of brakes, road punctures, cuts or bursting, uness caused as a resut of an incident covered under the Poicy or maicious damage caused by other persons; (b) depreciation, fair wear and tear, rust or corrosion; (c) faiure or breakdown of a structura, eectrica, mechanica or eectronic nature; (d) fauty design or workmanship of Your Vehice parts. However, We do cover You for oss or damage to Your Vehice resuting from fauty design or workmanship if such oss is otherwise covered by this Poicy; (e) mechanica damage howsoever caused except as a direct consequence of an accident or event covered by this Poicy or Your Vehice being driven by someone without Your permission; or (f) oss of or damage to Your Vehice resuting from the incorrect fue being utiised. 1.3 What We pay for in respect of oss or damage At Our option We treat the oss or damage to Your Vehice as a: (a) Partia Loss; or (b) Tota Loss. (a) Partia Loss If We decide to repair Your Vehice where there is a Partia Loss, We wi repair it to a simiar condition to that which it was prior to the oss or damage of the Vehice. If it is necessary to repair or upgrade it to a better condition than it was in before the oss or damage occurred, then We may request You to contribute the additiona amount to repair it to the better condition. If You have insured any Accessories We wi either repair them or pay for the cost to repace them as new, ess an amount for depreciation and fair wear and tear. We are entited to repace damaged parts with new parts or used parts of simiar condition to those being repaced. Imported vehices If Your Vehice has been imported and any part is not avaiabe in Austraia, We wi ony pay for the cost of parts used in the repair of Your Vehice up to the manufacturer s recommended ist price in Austraia. However, if such ist is not avaiabe, We wi ony pay for the cost of the parts pus the freight charges for the parts obtained via sea transport. If there is a deay in the repair process due to the importation of parts, You are not covered for any oss of use of Your Vehice or any other consequentia oss during that time. Repair guarantee If We authorise repairs to Your Vehice, We wi guarantee the quaity of the repairs for any defect due to fauty 9

11 workmanship or fauty materia for the ife of Your Vehice. For entitement to any repairs under this guarantee You must first aow Us to inspect the Vehice and We must agree that repairs are necessary. (b) Tota oss If there is a Tota Loss, we wi at Our option: repace Your Vehice with an equivaent vehice; or pay You its Market Vaue at the time of the Tota Loss; pus repace a insured Accessories or pay You the cost to repace them as new, ess depreciation and fair wear and tear. If Your Vehice is the security for any Finance Agreement and the name of the Finance Company is noted on the Certificate of Insurance, then: We have the right to make caim payments to the Finance Company, and any payment made to the Finance Company wi satisfy Our obigation to You under this Poicy for the amount paid subject to the amount owing under Your Finance Agreement. We wi pay You the baance of any insurance caim that We have agreed to pay, which exceeds the amount owing under Your Finance Agreement. Savage If We repace Your Vehice or pay You the Market Vaue, Your Vehice and its insured Accessories becomes the property of the Insurer. If We decare Your Vehice a Tota Loss and pay You the Market Vaue or repace Your Vehice under Additiona Benefit (c), this Poicy wi come to an end and You wi no onger have any cover. This means You wi not be entited to make any further caim under this Poicy and: where the premium has been paid in fu for the Period of Insurance there wi be no refund of any premium, or where the premium is paid by monthy instaments, We are entited to deduct from any caim paid or payabe, the baance of the unpaid premium or instaments of premium for the Period of Insurance. Section 2 Insurance cover for Your ega iabiity 2.1 What You are insured against Property damage Damage to property We wi pay the amount You, or any person You have given consent to drive, use or to be in charge of Your Vehice, may be hed egay iabe to pay for accidenta damage to property beonging to other peope, occurring during the Period of Insurance and caused by or arising out of the use of: Your Vehice or goods faing from Your Vehice; and a singe traier or caravan attached to Your Vehice. When You are not covered However, We do NOT cover the ega iabiity of You or the driver of Your Vehice for damage by Your Vehice to any property beonging to You or the driver of Your Vehice, or any property in Your or the drivers care or custody except to: a residentia buiding that You are renting or is on ease to You, or empoyee s or visitor s vehices and their contents whie contained in a car park provided by You. Substitute vehice We cover Your ega iabiity to pay for accidenta property damage to other parties caused by a Substitute Vehice. There is no cover for oss or damage to the Substitute Vehice. Your empoyer s or principa s iabiity We wi pay the amount that Your empoyer, principa or partner may be hed egay iabe to pay, for accidenta damage to property beonging to other peope as a resut of an incident covered by this Poicy whie You are using Your Vehice on business, as ong as it is not a use that is excuded by this Poicy. Maritime iabiity If Your Vehice is being transported by sea between Austraian ports, We wi pay Your contribution for Your Vehice if a genera average is decared on the voyage on which Your Vehice is being transported. Genera Average is decared when the vesse s master takes extraordinary measures such as throwing goods or cargo overboard to safeguard the vesse and the remaining property on the vesse when the vesse s safety is imperied. Those whose property is saved share the expenses or savage costs incurred by a ship owner in preserving the vesse and cargo. 10

12 What We pay for ega iabiity for damage to other peope s property We wi pay up to the maximum amount shown on the Certificate of Insurance, for a caims arising out of any one incident or series of incidents arising out of the one cause or event covered under the heading Property damage, in this section Injury to other persons We wi pay the amount which You, or any person driving, using or in charge of Your Vehice with Your permission may be hed egay iabe to pay by way of compensation or damages (excuding aggravated, punitive or exempary damages) for death or bodiy injury to persons arising out of the use of Your Vehice during the Period of Insurance. We do not cover ega iabiity for death or bodiy injury to: You or any person driving, using or in charge of Your Vehice, or an empoyee of Yours or who is deemed by any aw to be Your empoyee arising out of their empoyment with You. When You are not covered We wi not pay for Your ega iabiity in respect of any death or bodiy injury if: (a) Your Vehice is unregistered (b) You or any person using Your Vehice: is whoy or party covered under any compusory statutory insurance scheme or accident compensation scheme, or woud have been entited to be covered under any such scheme as it existed at the commencement date of the reevant Period of Insurance, even though there may have been a change in the aw during that Period of Insurance, or woud have been entited to be covered under any such scheme if it were not for the appication of any excess or deductibe appying under the scheme, or woud have been entited to be covered under any such scheme had cover not been refused or not in pace because You did not: register Your Vehice appy for cover under the scheme compy with a term or condition of the scheme What We pay for ega iabiity for injury to other persons We wi pay up to the maximum amount shown in the Certificate of Insurance, for a caims arising out of any one incident or series of incidents arising out of the one cause or event covered under Injury to other persons, in this section. 2.2 Lega expenses We wi pay Your reasonabe ega costs and expenses in defending or setting caims if You have Our agreement in writing. Any amount that We pay for ega costs and expenses in respect of any caim arising under Section 2 of this Poicy wi form part of the maximum amount that we wi pay as shown in the Certificate of Insurance, under the sections Damage to property and Injury to other persons. 2.3 Tota Limit of Liabiity We wi pay up to the maximum amount shown on the Certificate of Insurance, for a caims arising out of any one incident or series of incidents arising out of the one cause or event covered under the sections Property damage and/or Injury to other persons incuding any Lega expenses that appy. Section 3 Additiona Benefits If You have a vaid caim that We have accepted for oss or damage to Your Vehice under Section 1, We wi aso provide the foowing additiona benefits: a) Vehice hire car costs foowing theft or accident - Not covered If Your Vehice is stoen and the theft is covered under this Poicy or Your Vehice is invoved in an accident that is covered under this Poicy, We wi not reimburse You for the reasonabe cost of hiring a simiar vehice. b) Finance Gap cover financia agreement payout - NOT COVERED Where: Your Vehice is decared a Tota Loss, and Your Vehice is subject to a Finance Agreement with the Finance Company directy reating to the Vehice purchase, and the Finance Agreement pay-out amount exceeds the Tota Loss amount, then We wi not pay the Finance Agreement pay-out. 11

13 c) New vehice repacement Where Your Vehice is a Tota Loss, and We have agreed to pay Your caim, We wi repace Your Vehice with a new vehice of the same make mode or series so ong as it is avaiabe in Austraia and: You purchased it new from the manufacturer or their deaer; and You Vehice is ess than 12 months od from when it was first registered; and where Your Vehice is under a Finance Agreement, Your Finance Company has given Us written consent. If a new repacement vehice is not avaiabe, We wi repace Your Vehice with the nearest equivaent vehice avaiabe, so ong as it is avaiabe in Austraia. If We cannot agree on a repacement vehice We wi pay You the amount it woud cost to buy a new vehice the same as, or a near equivaent of, the Vehice which needs repacing. If an Excess is appicabe it is payabe to Us before We repace Your Vehice. We wi aso pay the registration for the period registered but not exceeding 12 months, stamp duty and deaer charges on the new vehice but any refund of registration fees or stamp duty appicabe in respect to the od vehice must be refunded to Us. Where Your Vehice does not meet a of the criteria above, a Tota Loss caims wi be setted on the current Market Vaue at the time of the oss or damage. d) Towing costs If Your Vehice is undriveabe foowing an accident or theft covered under the Poicy, We wi pay for the reasonabe costs of: towing Your Vehice to the repairer nearest to where it was damaged, or any other pace that We first approve. e) Persona property - NOT COVERED We wi not cover, foowing a caim under Section 1 of this Poicy, the oss or damage to wearing appare and persona property not otherwise insured beonging to You whie contained in Your Vehice. f) Chid seat or baby capsue We wi pay for oss or damage to a chid s seat or baby capsue that is stoen from Your Vehice or damaged in an accident or fire whie contained within Your Vehice. No Excess wi be payabe for any caims made by You under this Additiona Benefit f). g) Traveing & accommodation expenses We wi pay for any reasonabe traveing and accommodation expenses resuting from a caim for accidenta damage, fire or theft to Your Vehice which We accept under this Poicy, as ong as at the time of accident, fire or theft Your Vehice was more than 150 kiometres from the address where it is normay parked at night. We wi not pay if You had intended to pay for overnight accommodation in any event. The maximum amount We wi pay is $500 for any one event. h) Locks and keys If Your keys are ost, destroyed, stoen or damaged, or if there are reasonabe grounds to beieve the keys may have been iegay dupicated, We wi pay the costs of repacing and/or recoding the ocks and/or keys. We wi pay up to $1,000 during any one Period of Insurance and this benefit is not subject to oss or damage being suffered to the Vehice covered under the Poicy. No Excess wi be payabe for any caims made by You under this Additiona Benefit h). i) Choice of repairer You may choose any icensed repairer to repair Your Vehice. However We may invite, accept, adjust or decine estimates or arrange to move Your Vehice to another repairer acceptabe to both of Us. j) Funera expenses - NOT COVERED As a resut of an accident to Your Vehice covered under the Poicy and You or the driver sustains a fata injury, whether or not death occurs at the time of the oss, We wi not agree to pay for associated buria or cremation costs and incude trave costs within Austraia for the deceased driver or any member of the immediate famiy. k) Traier cover We wi pay for theft, or accidenta oss or damage to any traier (other than a caravan) which is owned by You whie it is: attached to Your Vehice, or detached from Your Vehice but within the domestic and boundaries of Your usua home as ong as it was not in a common area of home units, fats and the ike. 12

14 We do not pay for any property in or on the traier. The maximum amount We wi pay is the market vaue of the traier, imited to $500. ) Returning Your vehice after stoen We wi pay for the reasonabe costs of returning Your Vehice to the pace where it is normay parked if it is found after having been stoen. Shoud the cost of returning Your Vehice pus the necessary repairs exceed the reevant Market Vaue at the time of the theft, We reserve the right to treat Your Vehice as a Tota Loss. m) Ceaning up after an accident We cover Your ega iabiity to pay for the ceaning up of any debris of Your Vehice foowing an accident. The maximum amount We wi pay is $25,000 for any one accident. n) Car sharing agreement We wi pay for accidenta oss or damage when Your Vehice is being used in a car sharing agreement, incuding traveing to and from work, as ong as any payment by passengers does not invove commercia use for profit. o) Tyre repacement If We agree to pay a caim and repace any tyre which cannot be used as a direct resut of damage sustained from a oss covered under this Poicy, We wi pay for the new tyre repacement cost of a simiar make and specification. This benefit is appicabe provided that the condition of the damaged tyre s remaining tread conforms with ega requirements at the time of damage and it was not a retreaded tyre. p) Fire Brigade/Emergency Services costs This Poicy extends to cover You up to a imit of $10,000 per event for a costs evied by the foowing authorities, as a resut of oss or damage invoving Your Vehice, requiring or resuting in the attendance of any members of: a) any Poice Force at the accident site b) any Fire Brigade, or c) any other authority This additiona benefit p) wi not cover any cean-up costs evied by any authority if We have aready agreed to pay You the cean-up costs under additiona benefit m). q) Emergency repairs In the case of an emergency, We give You the authority to arrange, on Our behaf and at a reasonabe cost, the foowing: a) repair or repacement of Your Vehice s windscreen; and/or b) the towing of Your Vehice to the nearest repairer or pace of safety, or to any other pace aready approved; imited to $1,500. r) Signwriting If Your Vehice is damaged, We wi pay the reasonabe cost of repairing or repacing any signwriting or artwork on or affixed to Your Vehice that is damaged. Any amount payabe wi be incuded in the Market Vaue that We wi pay You for damage to Your Vehice in accordance with Your caim. s) Competion of journey costs Foowing oss or damage to Your Vehice, We wi pay You the reasonabe costs of: a) returning Your driver and their non-paying passengers to the point of departure or, at Your option, to the drivers destination, b) obtaining overnight accommodation if the journey cannot be competed in the same day as the oss or damage occurs, or c) hiring another vehice of simiar make and mode to compete the journey or to return Your driver to where the journey first commenced up to a maximum amount of $2,000 per event, provided that: i) the oss or damage was covered under this Poicy; and ii) Your Vehice was more than 150km from its usua pace of garaging at the time of oss or damage occurring. 13

15 I N S U R A N C E B A S I C GENERAL EXCLUSIONS When You are not covered 1. This Poicy excudes oss, damage, destruction, death, injury, iness, iabiity, cost or expense of any nature directy or indirecty caused by, contributed to by, resuting from, arising out of or in connection with any of the foowing, regardess of any other cause or event contributing concurrenty or in any other sequence to the oss: a) War, invasion, acts of foreign enemies, hostiities or war-ike operations (whether war be decared or not), civi war, rebeion, revoution, insurrection, civi commotion assuming the proportions of or amounting to an uprising, miitary or usurped power, or b) Any act(s) of terrorism that is directy or indirecty caused by, contributed to by, or in any way invoves or is connected with bioogica, chemica, radioactive, or nucear poution or contamination or exposion. For the purpose of this excusion, an act of terrorism incudes any act, or preparation in respect of action, or threat of action designed to infuence the government de jure or de facto of any nation or any poitica division thereof, or in pursuit of poitica, reigious, ideoogica or simiar purposes to intimidate the pubic or a section of the pubic of any nation by any person or group(s) of persons whether acting aone or on behaf of or in connection with any organisation(s) or government(s) de jure or de facto, and which: invoves vioence against one or more persons, or invoves damage to property, or endangers ife other than that of the person committing the action, or creates a risk to heath or safety of the pubic or a section of the pubic, or is designed to interfere with or to disrupt an eectronic system. c) Radioactivity or the use, existence or escape of any nucear fue, nucear materia, or nucear waste or action of nucear fission or fusion. 2. This Poicy aso excudes any oss, destruction, damage, death, injury, iness, iabiity, cost or expense of any nature directy or indirecty caused by, contributed to by, resuting from or arising out of or in connection with any action taken in controing, preventing, suppressing, retaiating against, or responding to or in any way reating to a), b) or c) above. 3. We wi not pay any Additiona Benefits under g), j) and s) under this Poicy in respect of any incident which invoves a driver of the Vehice, other than the Insured. 4. We wi not pay consequentia oss of any kind. Your Poicy aso does NOT cover any oss or damage, if Your Vehice: (a) was not reasonaby secured against further damage or theft, foowing an accident. (b) was being driven by someone: who does not hod a ega driving icence to drive Your Vehice in Austraia; or who was under the infuence of acoho or drugs; or whose bood acoho reading exceeds the ega imit (uness there is a aw that says otherwise), or who foowing an accident, refused to provide or aow the taking of a sampe of breath, bood or urine for testing anaysis as required by the aw of any State or Territory in which the accident occurred. However, We do give cover if You have aowed another person to drive Your Vehice, but You did not know or coud not be reasonaby expected to know that they were not so icensed or woud be under the infuence of acoho or drugs. Where permitted by aw, We reserve the right to recover the amount We pay from the driver of Your Vehice at the time of the oss or damage. (c) is stoen or is invoved in an accident and You incur costs because You cannot use Your Vehice except as may be covered esewhere in the Poicy; (d) has been modified in a way that materiay increases 14

16 its designed top speed or performance which We were not informed of and have not agreed to cover in writing; (e) is being used to carry more passengers or carrying or towing a heavier oad than it was designed for, uness You can prove that this did not contribute to the oss or damage; (f) or an attached caravan or traier was being used when You knew or shoud have known it was un-roadworthy or unsafe, uness You can prove that this did not contribute to the oss or damage; (g) is being used in a test, tria, experiment or demonstration other than a demonstration for the purpose of seing the Vehice or invoved in a defensive driving course; (h) is being used or tested in preparation for racing, pace making, reiabiity tria or a speed or hi cimb; (i) is et on hire, used to carry other peope s goods for payment or used to carry passengers for payment, other than private car pooing arrangements; (j) is not registered for use on a pubic road; (k) runs on rais or is designed to run in water such as in a river, ake or sea; () has been egay seized or repossessed; (m) is outside Austraia except when being transported between paces in Austraia; (n) is being used when it is an unsafe or unroadworthy condition, and You knew or shoud have known that it was unsafe to use or unroadworthy; or (o) is being used to carry iega quantities of infammabe iquids, gases or exposives. We may reduce the amount of Your caim for any oss, damage or iabiity arising out of: (a) Your faiure to compy with a condition of this Poicy; (b) a deiberate act by You or anyone acting with Your permission except when it is to avoid or reduce damage which woud otherwise happen; (c) any intentiona crimina or dishonest act by You or any person acting with Your consent; or (d) Your admission of iabiity or faut for damage or injury without Our consent, except where such iabiity woud have been incurred even if You had not admitted faut or iabiity. I N S U R A N C E P L U S GENERAL CONDITIONS These Genera Conditions appy to this entire Poicy Changing Your Poicy If You want to make a change to this Poicy, the change becomes effective when: We agree to it, and We give You a new Certificate of Insurance detaiing the change. Other interests You must not transfer any interests in this Poicy without Our written consent. Any person whose interests You have tod Us about and We have noted on Your Certificate of Insurance is bound by the terms of this Poicy. Payment for caims The amount We pay under this Poicy in respect of a vaid caim sha not be increased by the amount payabe under any other Poicy we have issued to You in reation to oss, damage or iabiity arising from any one accident or event. Canceing Your Poicy How You may cance this Poicy You may cance this Poicy at any time by teing Us in writing that You want to cance it. You can do this by giving notice to Armada or Your Leasing Company. How We may cance this Poicy We may cance Your cover under this Poicy if You breach any of the foowing conditions of cover or otherwise where We are permitted by aw to do so. Where We cance Your Poicy, We wi inform You in writing in accordance with this Poicy and the requirements under the Insurance Contracts Act 1984 (Cth). 15

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