You can trust us for a better insurance deal

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1 You can trust us for a better insurance deal

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3 We care about your insurance needs Your financial institution can help you with a range of MemberCare insurance that provides strong personal and financial protection, affordable premiums and straight forward cover. The range of insurance products includes car, motor bike, home, caravan, boat and landlord insurance. MemberCare commitment to you: Pay less we will do everything we can to save you money on your insurance. Better value get some extras without paying extra. Service you trust from quick quotes to simple claims and renewals. We work for you our profits are used to improve member service. Get extras without paying extra Switch to MemberCare insurance and you ll get some extras without paying extra. We ve detailed some extras for each policy within this brochure, so you know exactly what s included. For further policy features and benefits, pick up a Product Disclosure Statement at your local For a competitive quote ask at your local

4 MemberCare car and motor bike insurance What s covered? MemberCare Motor Insure comprehensive cover offers protection against accidental loss or damage to your motor car or motor bike. You also have a choice of more basic cover for: Fire, Theft and Third Party Property Damage, or Third Party Property Damage only. Some features of MemberCare Motor Insure comprehensive cover include: Agreed value for accidental loss or damage (optional) #. Market value for accidental loss or damage # Receive a brand new replacement vehicle if you suffer total loss of a vehicle that s up to 2 years old. Option to pay periodically at no extra charge. Liability cover up to $20 million. Automatic protected no claim bonus. Lifetime guarantee on approved repairs. Cover for uninsured trailer up to $500 (excluding theft). Cover for loss or damage to your vehicle from fire, malicious acts or storm damage or theft. Cover for towing or transport of your vehicle following an accident.

5 Emergency expenses up to $500. Temporary emergency repairs up to $500. Hire car after theft up to 14 days (not available for motor bike). Optional hire car after an accident at application or during the period of insurance (before an accident). Similar vehicle hire up to $65 per day (max 15 days); $35 per day if similar vehicle is not available (not available for motor bike). Get extras without paying extra Enjoy a number of extra benefits when you take out MemberCare Motor Insure, including: No claim bonus protection for comprehensive cover at all levels even if you have an accident, you ll still retain the same level of no claim bonus. One excess-free windscreen claim per year a little accident needn t become a big deal. For full MemberCare Motor Insure details, please refer to the Product Disclosure Statement. For a competitive quote ask at your local

6 MemberCare home insurance Depending on your home insurance needs, choose the cover that suits you best. MemberCare Home Insure offers cost-effective protection for your home and contents against a wide range of defined events those unexpected occurrences which could cause major damage to your home and possessions. What s covered? When you take out MemberCare insurance for your Home and Contents you ll receive a level of cover which includes: New for old replacement cover for buildings. New for old replacement cover for contents. Option to pay periodically at no extra charge. $20 million liability insurance. Cover of high risk items up to $2,000 for any one item and in total 25% of the sum insured for all high risk items. Cover for trees and plants up to $200 for one single item and $1,500 for any one claim. Cover for veterinary expenses up to $500, if your domestic pet is injured as a result of vehicle impact. Home office equipment up to $10,000 or up to 25% of the sum insured, whichever is less. Cover for security firm attendance up to $500, in relation to a burglary or theft claim. Food spoilage up to $1,000.

7 Get extra without paying extra Enjoy complimentary 20 year electrical motor burn out cover on household electrical items. MemberCare Home Insure Plus not only provides cover for standard events such as fire and theft, but also provides cover in the event of accidental loss or damage. For full MemberCare Home Insure and MemberCare Home Insure Plus details, please refer to the Product Disclosure Statement. For a competitive quote ask at your local

8 MemberCare caravan insurance What s covered? MemberCare Caravan Insure covers you for damage or loss of your caravan and its contents fixtures, fittings and a range of other items. Some features of the policy include: Damage to your caravan in an accident. Loss of your caravan if it s stolen. Towing or transport of your caravan expenses up to $500 following an accident. $20 million liability insurance. Temporary emergency repairs up to $500. Emergency accommodation expenses up to $100 per day to a maximum of 5 days if you re on holiday and your caravan is damaged or stolen. Option to pay periodically at no extra charge. Enjoy no claim bonus protection, even if you have an accident, you ll still retain the same level of no claim bonus. For full MemberCare Caravan Insure details, please refer to the Product Disclosure Statement. For a competitive quote ask at your local

9 MemberCare boat insurance What s covered? MemberCare Boat Insure covers you for damage or loss of your boat and its contents fixtures, fittings and a range of other items. Some features of the policy include: Damage to your boat in an accident including: hull, accessories, masts, sails, rigging, motors (including control equipment) and tools supplied with your boat. Towing or transport of your boat expenses up to $500 following an accident. $10 million liability insurance. New replacement boat following total loss within 12 months of original registration. Emergency accommodation expenses up to $500 if your boat is damaged or stolen and you are more than 100km from home. Transit cover. Salvage and recovery costs. Option to pay periodically at no extra charge. Enjoy no claim bonus protection, even if you have an accident, you ll still retain the same level of no claim bonus. For full MemberCare Boat Insure details, please refer to the Product Disclosure Statement. For a competitive quote ask at your local

10 MemberCare landlord insurance What s covered? It s difficult to protect your property when you re not living there. MemberCare Investor Insure has been designed to do it for you. You ll have peace of mind knowing that, if a tenant causes damage, steals from you or defaults on rent payment (optional cover), we ll help cover the costs. Some features of the policy include: New for old replacement. Damage or theft caused by tenants up to $5,000 (excluding the first $500). Loss of rent for up to 12 months if your property cannot be lived in due to a claimable event. $20 million liability insurance. Optional cover for rent default up to 6 weeks. Replacement locks up to $1,000. Fixtures or fittings up to 5% of the total insured sum of your property. Option to pay periodically at no extra charge. For full MemberCare Investor Insure details, please refer to the Product Disclosure Statement. For a competitive quote ask at your local

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12 MemberCare insurance products are brought to you by QBE Insurance (Australia) Limited QBE Insurance (Australia) Limited is the largest Australian owned general insurer and reinsurer, and has been taking care of the insurance needs of Australians since Save with our multi-policy discount Once you have one MemberCare insurance policy with us, we ll give you a discount on each additional MemberCare policy*. So taking out more than one policy can really save you money. Making claim time simple We understand how important it is to receive a fast, personal response to your claims. That s why MemberCare Claims is open 24/7. With their experienced team ready to support you throughout the claims process. It s easy to take out a MemberCare insurance product For a competitive quote ask at your local financial institution branch. Terms and Conditions apply: *Multi-policy discount is not available on your first policy and only applies when all policies are purchased through the same financial institution. # Market value not available for Motor bikes. Agreed value not available for vehicles over 15 years of age. When calculating your annual premium based upon the sum of periodic payments, this total annual premium may differ from our quoted annual premium due to the impact of standard rounding. Before making a decision about your insurance needs, please refer to the Product Disclosure Statement available from your local financial institution, issued by QBE Insurance (Australia) Limited ABN AFS Licence J2245 MCB_GEN_12DL (02-12)

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