Motorpack > 3-in-1 Commercial Vehicle Insurance. Motorpack Broker Overview

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1 > 3-in-1 Commercial Vehicle Insurance Broker Overview

2 > 3-in-1 Commercial Vehicle Insurance 3-in-1 Commercial Vehicle Insurance Take control of all your clients motor insurance needs with 3-in-1 commercial vehicle insurance from Lumley Insurance. With a long established reputation as an expert underwriter in Commercial and Heavy Motor fleets, Lumley Insurance has drawn on this expertise to deliver the exciting. COMBINE YOUR CLIENT S MOTOR NEEDS IN ONE PACKAGE is designed for SME business clients who have a range of vehicles used to run their business. Brokers no longer need to take out multiple policies for their client s different types of commercial vehicles. 3-in-1 commercial vehicle cover means that three different types of vehicle Cars/Light Commercials, Heavy Motor vehicles* and Mobile Plant and Equipment* can now be easily combined in one package with a maximum of 15 units in total. Motorpack A. Cars and light commercial vehicles B. Heavy Motor vehicles* Vehicle type Up to 4.5T Gross Vehicle Mass (GVM) including trailer More than 4.5t GVM including trailer SAVE UP TO 5% ON MOTORPACK PREMIUM As an added incentive, when is selected as part of a Lumley Commercial Business Package up to 5% discount can be applied to the commercial motor premium. GREATER CHOICE AND FLEXIBILITY provides you even greater choice to place business electronically. Combine all three vehicle type covers and / or combine as a section of their Commercial Business Package. Save time and money when quoting multiple vehicles, vehicle types and business package covers. Provide your clients even better value for money by accessing the multi cover package discount. C. Mobile Plant and Equipment* Mobile Plant and Equipment * Limited to a maximum of 10 units per package. EVEN MORE PACKAGING OPTIONS Lumley Insurance provides you with the flexibility to add as a section of your clients Commercial Business Package so that you can combine their Business Property and Liability needs with in the one package policy.

3 > 3-in-1 Commercial Vehicle Insurance 3-in-1 Commercial Vehicle Insurance Lumley Insurance is committed to providing value and choice for our broker partners through fast, easy to use systems, innovative products with flexible options and competitive premiums. A. CARS AND LIGHT COMMERCIAL VEHICLES This section of includes mechanical breakdown, goods in transit cover, uninsured motorist material damage (gap) protection and death benefits in the event of a claim. In addition, liability covers third party property damage to employee or visitors vehicles within a car park. B. HEAVY MOTOR In the event of a claim, benefits include finance payments, immediate family travel expenses, trauma counselling, death benefits, hire of substitute vehicles and cover for vehicles under tow. In addition to these new compassionate benefits Lumley Insurance has automatic inclusions up to $500,000. C. MOBILE PLANT AND EQUIPMENT Taking this section as part of your provides your clients with cover for tyre replacement, locks and keys, personal effects and windscreen replacement. Your clients also receive automatic cover for attached trailers, costs incurred to provide first aid to other parties and up to $50,000 for removal of debris per claimed event.

4 > 3-in-1 Commercial Vehicle Insurance Part A Commercial Motor Section 1 Cover for your vehicle Section 1 Section 1 Optional additional benefits Accessories Automatic trailer cover Completion of journey costs Death benefit Death or disability Disability modifications Emergency repairs Employee vehicles Funeral expenses Goods in transit Hire car following theft Immediate family travel expenses Keys and locks Replacement with a new vehicle (Total loss of vehicle) Leased or financed payout (Total loss gap cover) Mechanical breakdown Personal effects Removal of debris Repatriation of driver Repatriation of vehicle Replacement glass (nil excess) Signwriting Towing Tyre replacement Uninsured Motorist Protection Windscreen Hire car following collision Part A Section 1 limit up to $15million Reasonable cost or listed in the Policy Schedule Up to $1,000 per event Included in repatriation of driver and repatriation of vehicle Up to $25,000 (including funeral expenses) per event Death included in Death Benefit Reasonable costs up to $5,000 per event Reasonable costs up to $2,000 per event Reasonable costs up to $25,000 per event in excess of any claims benefit available under any other policy of insurance Included in Death Benefit Benefit for vehicle up to 4.5T GVM up to $5,000 per event in excess of any claims benefit available under any other contract of insurance subject to additional $250 excess per event Reasonable costs up to $100 per day up to 21 days and maximum up to $2,100 per event Reasonable costs up to $3,000 any one Period of Insurance Reasonable costs up to $5,000 per vehicle and maximum up to $10,000 per event Vehicle up to 4.5T GVM within 2 years of original registration Up to 25% of the market value Vehicle up to 4.5T GVM, less than 5 years old and travelled less than 100,000 KM (not for passengers carriage and courier), up to $2,000 per event or up to $6,000 any one period of insurance Reasonable costs up to $1,500 per event Reasonable costs up to $50,000 per event Reasonable costs up to $3,000 per event Reasonable costs up to $1,000 per event Reasonable costs up to $1,000 per event vehicle up to 4.5T GVM Reasonable costs of replacement Reasonable costs of removal and towing to the nearest repairer Reasonable costs of replacement Material damage protection ( gap cover) up to $10,000 per event Included in replacement glass vehicle up to 4.5T GVM Reasonable costs up to $100 per day up to 21 days and maximum up to $2,100 per event subject to additional premium Gross Vehicle Mass (GVM) This is a summary only and should be read in conjunction with the full wording within Part A of the policy.

5 > 3-in-1 Commercial Vehicle Insurance Part A Commercial Motor Section 2 Liabilities to Third Parties Section 2 Extensions to Section 1 and Section 2 Damage to leased premises Defence costs Liability for goods being carried, loaded and unloaded Legal costs Movement of other vehicles Non-owned vehicle Non-owned vehicles in car park Towing disabled vehicles Trailers Up to $100,000 per event Part A Section 2 limit up to $35million Reasonable costs up to $10,000 per criminal event Legal costs with prior written consent Legal liability for damage to employees or visitors vehicles within car park Automatic additions and deletions Notify us within 30 days up to $250,000 Contractual liability Cross liability LPG conversion Other interested parties Sea transportation Subrogation waiver Waive our rights of subrogation General average and salvage charges Waive our rights of subrogation General conditions No fault excess Waive excess if loss was not your fault This is a summary only and should be read in conjunction with the full wording within Part A of the policy.

6 > 3-in-1 Commercial Vehicle Insurance Part B Heavy Motor Section 1 Cover for your vehicle Section 1 Section 1 Optional additional benefits Accessories Death benefit Emergency accommodation Emergency repairs Finance payments of repaired vehicles First aid kit expenses Hire substitute vehicles including theft Immediate family travel expenses Keys and locks Leased or financed payout (Total loss gap cover) Non-owned trailer Personal effects Removal of debris Removal or retrieval costs Repatriation of a driver Repatriation of a vehicle including theft Replacement with a new vehicle (Total loss of vehicle) Reward for recovery of a stolen vehicle Signwriting Tarpaulins, gates, chains, dogs, straps Trauma counselling Vehicle modification Downtime protection As nominated Part B Section 1 limit up to $15million $25,000 (including funeral expenses) per event Reasonable costs up to $3,000 per event Reasonable costs up to $10,000 per event Up to $8,000 any one period of insurance Reasonable costs up to $2,500 per event Up to $5,000 or 4 weeks whichever is the less any one event Reasonable costs up to $3,000 any one period of insurance Reasonable costs up to $10,000 any one period of insurance Up to 25% of the market value Up to $100,000 subject to $2,500 Excess per event Reasonable costs up to $3,000 per event Reasonable costs up to $50,000 per event Reasonable costs up to $50,000 per event Reasonable costs up to $5,000 per event Reasonable costs up to $25,000 per event Within 2 years of original registration Up to 2.5% of the sum insured or $10,000 whichever is the less per event Reasonable costs of replacement Reasonable costs up to $5,000 per event Reasonable costs up to $5,000 per event Reasonable costs up to $10,000 per event Up to 12 weeks cover subject to additional premium Section 2 Liabilities to Third Parties Section 2 Extensions to Section 1 and Section 2 Employee use of vehicle Employer, Partner or Principal Freight falling, leaking or spilling Legal costs Loading/unloading permanently attached plant Non owned trailer Vehicle under tow Part B Section 2 limit up to $35million Coverage for employee's vehicle up to $25,000 per event in excess of any claim benefit available under any other policy of insurance Included in Section 2 with prior written consent Where vehicle permanently attached plant forming part of registered vehicle Coverage for a disabled vehicle under tow Automatic inclusion Notify us within 30 days up to $500,000 Cross liability LPG conversion Sea transportation Other interested parties Waive our rights of subrogation General average and salvage charges General conditions No fault excess Waive excess if loss was not your fault This is a summary only and should be read in conjunction with the full wording within Part B of the policy.

7 > 3-in-1 Commercial Vehicle Insurance Part C Mobile Plant and Equipment Section 1 Material Damage Section 1 Dry hire Included in Section 1 In transit Included in Section 1 Expediting expenses Accessories, tools and spare parts Signwriting Tyre replacement Protection and removal Locks and keys Personal effects Windscreen replacement Up to $10,000 per event Up to $5,000 per event Part C Section 2 limit as stated in schedule Restoring costs per event Replacement costs Up to 5% of the sum insured or $50,000 whichever is the less per event and in aggregate any one period of insurance Up to $2,500 per key or $5,000 in aggregate per event Up to $500 per item or $1,000 in aggregate per event Replacement costs or $5,000 in aggregate any one period of insurance Section 2 Road Risk Liability Section 2 Extensions to Section 1 and Section 2 Defence costs First aid costs Legal costs Substitute vehicles Movement of other machines Removal of debris Sea transportation Towing disabled machines Trailers Part C Section 2 limit as stated in schedule Included in Section 2 with prior written consent Repairs or servicing costs Up to $50,000 per event General average and salvage charges Coverage for a disabled vehicle under tow Coverage for trailers attached Automatic additions and deletions Notify us within 30 days up to $250,000 LPG conversion Other interested parties Hold harmless Hired in plant not noted on the policy schedule Waive our rights of subrogation except dry hire Up to $25,000 in aggregate any one period of insurance General conditions No fault excess Waive excess if loss was not your fault This is a summary only and should be read in conjunction with the full wording within Part C of the policy.

8 > 3-in-1 Commercial Vehicle Insurance Broker Overview HEAD OFFICE Lumley House Level 9, 309 Kent Street Sydney NSW 2000 P: F: E: W: LOCATIONS Adelaide Brisbane Canberra Darwin Launceston Melbourne Newcastle Perth Sydney This overview is a summary only. For full details of the benefits, conditions and exclusions, please read the Lumley Insurance Insurance Policy. Lumley Insurance is a trading name of WFI Insurance Limited ABN AFSL The Greater Than symbol is a registered trademark of Lumley Insurance. MKT3376 (0814)