Our Insurance services. Where to find

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1 Head Office 117 Camberwell Road Hawthorn East VIC 3123 PO Box 338 Camberwell VIC 3124 Branch Office 687 Mt Alexander Road Moonee Ponds VIC 3039 PO Box 210 Moonee Ponds VIC 3039 victeach.com.au Victoria Teachers Limited ABN AFSL/Australian Credit Licence Number VTID Insurance Services

2 Where to find Our Insurance services 1 Motor Vehicle 2 Building & Contents 4 Landlord 4 Travel 6 Motorcycle 8 Boat or Caravan 8 Health 10 Life 10 Bills, Farm and Hard to Place Risks 12 Our Insurance services The importance of protecting you and your assets cannot be underestimated. Just imagine how much it would cost if you didn t have adequate insurance protection for yourself, your family and your personal belongings. Victoria Teachers Mutual Bank is an agent/ referrer for a number of Insurance providers and has been arranging insurance protection for over 25 years. Our friendly Insurance Consultants can help arrange the right cover for your needs with a competitive premium in just one phone call, with further benefits such as: Superior, knowledgeable service with new policies sent to you within 24 hours. Flexible repayments you can choose to pay in monthly instalments at no additional policy fee. 1 Obligation free, competitive quotes. Arranging a quote is easy We re here to help you. For further information, or an obligation free quote: Call I Visit victeach.com.au I insurance@victeach.com.au Visit one of our branches at Hawthorn East or Moonee Ponds This information does not take into account your objectives, financial situation or needs. Therefore you should firstly consider the appropriateness of this information and refer to the Terms and Conditions or the relevant Product Disclosure Statements (PDS) before acquiring a product. These documents are available at our branches or by contacting us on Hard to place risks payment options may vary with the underwriter. The total premium may vary slightly due to rounding; and bank or financial institution transaction fees may apply. Not applicable for Travel Insurance. CGU Insurance Limited (CGU) ABN , AFSL , Australian Unity Health Limited ABN , Zurich Australia Limited AFSL , ABN , Swann Insurance (Aust) Pty Ltd ABN , AFSL and Doug Kerr Insurance Consultants P/L trading as Brokers National ABN , AFSL are the insurance providers. In arranging this insurance, Victoria Teachers Limited, ABN , AFSL/Australian Credit Licence Number , acts under an agreement with the insurer, not as your agent. This information does not take into consideration your objectives, financial situation or needs. A Product Disclosure Statement (PDS) should be considered before acquiring a product and can be requested by calling our Insurance Services on We receive commission on these insurance products as a percentage of the premium price for each policy ranging from 5-35%. 1

3 Motor vehicle Motor Vehicle Insurance Whether we like it or not, motor vehicle accidents can happen, irrespective of whether you or another driver is at fault. Why take the risk of not having adequate insurance protection? We can offer you protection with cover options such as: Full Comprehensive insurance. Agreed or Market Value cover. You can also further reduce your premiums by nominating specific drivers on your policy. Third Party Fire and Theft. Third Party Only cover. Optional extras are also available on some policies including: 2 Rating protection, designed to protect your rating in the event of an at fault claim. Removal of basic excess for windscreen claims. As a customer you may also be entitled to: Reduced premiums if you combine your Home and Contents policy with your Motor Vehicle Insurance. 3 A guarantee on the parts and workmanship of repairs for the lifetime of the vehicle while it is still owned by you. 2. Conditions apply. Refer to the PDS for full Terms and Conditions. 3. Minimum premiums may apply. Any discounts/ entitlements only apply to the extent any minimum premium is not reached. If you are eligible for more than one, we also apply each of them in a predetermined order to the premium (excluding taxes and government charges) as reduced by any prior applied discounts/entitlements. Discounts may not be applied to any flood component of the premium (if applicable). Motor Vehicle Insurance is underwritten by CGU AFSL , ABN The Motor Vehicle Insurance PDS is available by calling and should be considered before deciding if the product is right for you. 2 3

4 Building & Contents, Landlord Building & Contents Insurance Your home is probably the biggest single purchase that you will make in your lifetime. Just imagine the cost of rebuilding your home or replacing your contents if something were to happen. We can provide you with protection from our underwriters. Cover options include: New for old building and contents replacement cover. Personal items away from home. Accidental damage cover. 4 We offer reduced premiums 5 if you: Combine your policies. Are over 50 years of age. Have a monitored alarm. You may also benefit from: Costs incurred at the location of your temporary accommodation will be covered in the event of a loss. Cover for your possessions in the home and, to a limited extent, in the yard. Calculate the value of replacing your home and contents with our online calculators at victeach.com.au. Landlord Insurance Enjoy peace of mind with a range of cover options for your investment property including: Cover for the replacement of buildings and contents. Optional cover for content items such as carpets, curtains, household goods and furniture. 6 Protection against the loss or damage caused by an explosion or fire. 6 Malicious damage caused by tenants. Strata title mortgage protection cover. Protection against the loss or damage caused by storm, flood, rainwater or wind. 6 You may also benefit from: Legal liability. Rent and legal expenses if the tenant defaults on rent or departs without notice. 6 Loss of rent if your building suffers loss or damage and is unable to be lived in as a result. 6 Building and Contents and Landlords Insurance is underwritten by CGU AFSL , ABN Limitations and conditions apply. Refer to the PDS for full Terms and Conditions. 5. Minimum premiums may apply. Any discounts/entitlements only apply to the extent any minimum premium is not reached. If you are eligible for more than one, we also apply each of them in a predetermined order to the premium (excluding taxes and government charges) as reduced by any prior applied discounts/entitlements. Discounts may not be applied to any flood component of the premium (if applicable). 6. Conditions apply. Refer to the PDS available by calling this should be considered before deciding if the product is right for you. 4 5

5 Travel Travel Insurance Whether you re travelling around Australia or overseas you deserve peace of mind and to enjoy your trip without the worry of unexpected expenses. Unfortunately, each year Australians are affected by hospitalisation, death and evacuations while travelling. If you are not adequately covered by travel insurance you may be faced with a long term financial burden. We offer a range of cover to suit your travel plans Some of the events you are covered for include: Overseas emergency medical, hospital and dental expenses. Additional accommodation and travel expenses. Cancellation fees and lost deposits. Resumption of overseas journey. Luggage and personal effects. Loss of travel documents. Accidental death, permanent disability and loss of income. Personal liability. Travel delay. Refer to the PDS for full Terms and Conditions. Travel Insurance is issued and underwritten by CGU. This insurance is arranged by Victoria Teachers Limited under an agreement with CGU Insurance Limited (CGU) ABN , AFSL The Travel Insurance Product Disclosure Statement is available by calling and should be considered before deciding if this product is right for you. 6 7

6 Motorcycle, Boat or Caravan Motorcycle Insurance Motorcyclists are exposed to greater risks on the road than motorists. You can select from the following cover options: Full Comprehensive cover which includes: 7 Agreed value. Replacement motorcycle if a total loss occurs in the first 24 months from the date of first registration. Emergency repairs and expenses. Hire car reimbursement following theft of your motorcycle. Cover for personal items. Third Party Fire & Theft cover. 7 Third Party Liability cover. 7 Fire & Theft cover. 7 There are number of additional optional extras which you can purchase such as: 7 Helmet cover up to $1,000 as a result of an accident. No claim bonus protection. Named rider option. You can rest assured knowing that your Motorcycle Insurance covers you throughout Australia. As a policy holder you will be entitled to additional benefits such as discounts, a lifetime guarantee on parts and workmanship of repairs, no claim bonus and other features and benefits. 7 Boat Insurance Select from the following cover options: Powerboat (outboard motor) or sailing boat. Coverage for hull, motors, sails, masts and trailers. Racing extension for yachts. Legal liability. Coverage for fishing gear, water ski and diving equipment. Water skiers or aqua-planing liability extension. Caravan Insurance As a customer, you will benefit from: In the event of a Caravan claim, you may be covered for emergency repairs and accommodation. Protection against the loss or damage to the contents of your Caravan. 8 Following an accident or theft to your Caravan, you are covered for the reasonable cost of protection, removal and towing of your Caravan to the nearest repairer or place of safety. 14 day automatic cover for replacement Caravan. Legal liability cover. 7. Conditions apply. Refer to the PDS for full Terms and Conditions. This insurance is underwritten by Swann Insurance (Aust) Pty Ltd, ABN , AFSL Conditions apply. Refer to the PDS for full Terms and Conditions. These insurances are underwritten by CGU AFSL , ABN

7 Health, Life Health insurance Health insurance, issued by our partner Australian Unity, provides you and your family with a wide range of quality health cover options. In addition to hospital and extras cover, you can take advantage of the following benefits: Start claiming straight away - on selected extras like preventative dental and physio. 9 Additional benefits including losing weight, quitting smoking and getting a GP health check 10 when not claimable by Medicare. No Gap Dental Network provides selected preventative dental services at no out of pocket cost to you. 11 Cover for your children under 23 or 25 if they are studying full time or doing an apprenticeship at no extra cost under the family membership. When you switch from your current fund to an equivalent or lower level of cover, you won t have to re-serve any previously completed waiting periods. Other waiting periods may still apply. Enjoy a 7.5% discount simply for being a Victoria Teachers Mutual Bank customer. 12 For a quote or more information, call Australian Unity directly on Mention you are a Victoria Teachers Mutual Bank customer so your discount is applied. Life insurance Protect your financial security with a range of life insurance products and levels of cover to choose from. This insurance protection can help provide peace of mind for a wide range of situations, when you or your family, need it most. We can refer customers to our insurance partners for cover options such as: Life. 13 Critical Illness. 13 Permanently Unable to Work. Income Protection (if you are unable to work as a result of an accident). 13 Accidental Death. 13 Funeral Plans. 13 Our insurance partners provide competitive premiums and fast and simple application processes. For an online quote or to enquire about a policy visit victeach.com.au. Health insurance provided by Australian Unity Health Limited ABN Waiting periods apply including for pre existing conditions and major dental. 10. Yearly benefit limits apply. Terms and Conditions apply. 11. Subject to yearly benefit limits. Not available for Care n Repair. 12. Discount is inclusive of all other retail discounts and when payment is by Direct Debit. 13. The Ezicover range is issued and administered by Zurich Australia Limited, 5 Blue Street, North Sydney AFSL , ABN Victoria Teachers Limited acts as a referrer only for these products and as such, cannot provide opinions, recommendations or endorsements about the products. If you buy a Zurich product we will receive a commission of 20% (plus GST) of all premiums paid. You should read the relevant Product Disclosure Statement (PDS) to decide for yourself if these products are appropriate for your circumstances. The PDS can be obtained online at victeach.com.au or for more information please call Zurich on

8 Farm, Bills, Hard to place risks Farm Insurance Farm Insurance provides competitive cover for the personal and business aspects of running a farm. We classify a farm 14 as: More than 5 acres in size; or Residential block with dam or livestock. We can provide you with a range of cover options including: Domestic Building and Contents. Farm Property. Farm Machinery & Working Dogs. Theft. Hay, Livestock, Fencing & Trees. Business Interruption. Business Liability. Machinery Breakdown. Personal Income. Road Transit. Broad Farm Liability. Boat or Caravan. Bill Insurance With your BillProtect you can protect the lifestyle you and your family love. If you are unable to work due to injury, illness, loss of job or life, your BillProtect will pay the bills you nominate based on the cover you select.¹ 5 Select from more than 25 major household bills, such as electricity, rent, child care fees and even groceries and the amount of cover required. Cover can cost as little as 2% of the yearly value of the bills you nominate. No health checks required. Hard to place risks Are you finding it difficult to obtain insurance cover for that special something? We have a broker s referral service, which can provide you with adequate cover and protection for items that cannot be covered under other insurance policies. We can provide you with a range of cover including: 16 Professional Indemnity. Business and Commercial insurance. Tradesman cover. Prestige Motor, Vintage and Veteran vehicles. Liability Insurance. Musical Instruments. Builders Liability. And many more. 14. Conditions apply. Refer to the PDS for full Terms and Conditions. This insurance is underwritten by CGU AFSL , ABN Conditions apply. Refer to the PDS for full Terms and Conditions. When offering these products Victoria Teachers Limited ABN acts under its own AFSL and pursuant to agreements with the insurer Swann Insurance (Aust) Pty Ltd ABN , AFSL This insurance is underwritten by Doug Kerr Insurance Consulatants P/L trading as Brokers National AFSL , ABN