+ Choice of Repairer. 4WD Vehicle Insurance Comparison. Affinity 4WD Insurance

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1 Affinity 4WD Insurance 4WD Vehicle Insurance Comparison Feature Existing Lumley Benefit Standard CGU Benefit CGU Affinity 4WD Benefit Replacement Vehicle If the Vehicle is a Total Loss within 3 years of its registration, we will replace it with a new Vehicle of the same make, model and series. We will also pay for the on road costs of the new Vehicle, except costs involved with registration and compulsory third party insurance. If your vehicle is a total loss as a result of an incident, we may decide to replace your vehicle with a new We will only do this if your vehicle is: A car less than two years old and has not travelled more than 30,000 kilometres, or A car more than two years old, but less than three years old, and has not travelled more than 50,000 kilometres, or The vehicle replacement must occur as a result of an incident we have agreed to cover. We will replace your vehicle with a new vehicle of the same make, model or series, so long as it is available in Australia and: Your vehicle is stolen and not recovered within 28 days, or The estimated damage repair costs exceed the market value or agreed value insured less salvage value of the vehicle, and You purchased it new (or as a demo model) from the manufacturer or their dealer, and Where your vehicle is financed, your financier has given us written consent, and Your vehicle is less than three (3) years old from when it was first registered and has not travelled more than 70,000kms We also pay the registration, stamp duty and dealer charges for the period registered. Continuation of for your Replacement Vehicle Change of Vehicle Choice of Repairer Hire Car following Theft If we declare your vehicle a total loss and pay you the market value, agreed value or replace your vehicle, then the policy will cover your replacement vehicle free of charge until the expiry of your current period of insurance. If you replace your vehicle we will cover the replacement vehicle from the date of purchase for 14 days. You may choose any licensed repairer to repair your However we may invite, accept, adjust or decline estimates or arrange to move your vehicle, at our expense to another repairer acceptable to both of us. We will reimburse you for reasonable Hire Car Costs, $80 per day up to 14 days. 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. We will reimburse you for reasonable Hire Car Costs, $80 per day up to 14 days. We will cover any permanent replacement vehicle from the time of its purchase for 21 days. 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. We will reimburse you for Hire Car Costs, $80 per day up to 21 days. Maximum limit is $1,680

2 Towing/Storage Cleaning Up Costs Transport Home Costs costs of protection and removal of the vehicle following an accident or theft. we will pay up to $500 for transportation and/or accommodation if the loss or damage occurs more than 100kms away from home. we will cover the cost of one tow. If your vehicle is damaged, we will cover the reasonable costs to remove the vehicle debris from the site where it occurred. event, for travelling expenses if the loss or damage occurs more than 100kms from the address where it is normally parked at night. event, for accommodation expenses if the loss or damage occurs more than 100kms from the address where it is normally parked at night. we will pay the reasonable costs of towing and/or removal of the We cover your legal liability to pay for the cleaning up of any debris of your vehicle following an accident up to $500 for any one accident. event, for travelling expenses if the loss or damage occurs more than 100kms from the address where it is normally parked at night. event, for accommodation expenses if the loss or damage occurs more than 100kms from the address where it is normally parked at night. Returning the vehicle to the Insured Personal Property Trailer you after it is repaired, if the vehicle is repaired more than 100 kms from your home. Item limit of $300 per item, with a total limit of $500. We will pay up to $500 for loss or damage to a trailer or horse float while attached to the vehicle or within the boundaries of your home. you after it is repaired, if the vehicle is repaired more than 100 kms from your home. pay is $500 any one event. If a trailer suffers loss or damage while attached to your vehicle, we will pay: The cost to repair your trailer, or The market value of your trailer Up to $1,000 (inclusive of GST), whichever is the least amount. The trailer must be attached to your vehicle at the time of the incident. where it is normally parked if it is found after being stolen. pay is $500 any one event. We will pay for theft, or accidental loss or damage to any trailer or caravan which is owned by you while it is: attached to your vehicle, or detached from your vehicle but within the domestic boundaries of your usual home for which you are responsible Camping Equipment You can elect to insure unspecified camping equipment for accidental loss or damage anywhere in Australia for up to $5,000. pay is the lesser of $1,500 or the market value of the trailer or caravan. pay up to $3,000 for accidental loss or damage to unspecified camping equipment anywhere in Australia. Additional Equipment or Accessories on your vehicle includes its standard tools, accessories or appliances and its fitted or nonstandard extras, accessories or modifications which you have listed on your proposal and which we have accepted. on your vehicle includes any additional equipment of accessories up to 5% of your vehicle s market value or $2000 whichever is lesser, unless they are specified otherwise on your policy schedule.

3 Other Tools and Spare Parts Guaranteed Repairs Lease Payout Art Work and Sign writing Off Road coverage Legal Liability Windscreen Option Protected No Claim Bonus Hire Car following Accident Loaned vehicle (Comprehensive only) Not available on your vehicle includes other tools and spare parts for your vehicle while in or on your vehicle up to $250 in total. guaranteed whilst the vehicle is owned or leased by you. If the vehicle is a Total Loss and the Market Value or Agreed Value is less than the amount owed under a valid lease, hire purchase or finance agreement we will pay the difference, up to maximum of 10% of the Market Value or Agreed Value (Prestige Policy only) If business use is selected we will pay up to $500 (Standard Policy) or up to $1000 (Prestige Policy) for the cost of reinstating artwork or sign writing on the Off road cover for your vehicle anywhere in Australia. $20,000,000 Legal Liability If this option is selected you can make one excess free windscreen/window glass claim per year and retain your NCB. If this option is selected your No Claim Bonus will be protected provided you are on a rating 1 or 60% NCB, and you have had no at fault incidents in the previous 2 years. reimburse you for reasonable Hire Car Costs for up to 14 days. guaranteed for the life of the $20,000,000 Legal Liability If you select this option, we will cover the costs to repair or replace the windscreen, window glass, mirror glass or sunroof glass of your vehicle when there is no other damage without: affecting your no claim bonus you paying an excess. If you add this option, we will protect your NO Claim Bonus for one at fault claim during your. To be eligible, you must be on the maximum No Claim Bonus. guaranteed for the life of the Following a total loss of the vehicle, we will pay 75% of the difference between your vehicle s insured value and your finance contract residual liability should the insured value be less than the finance contract residual liability We will cover you for loss or damage to artwork or sign writing or fixed advertising signs or materials forming a permanent part of your vehicle at the time of loss or damage, up to $1,000 during any one Off road cover for your vehicle anywhere in Australia. $30,000,000 Legal Liability If you select this option, we will cover the costs to repair or replace the windscreen, window glass, mirror glass or sunroof glass of your vehicle when there is no other damage without: affecting your no claim bonus you paying an excess. If you select this option, your No Claim Bonus will be protected for all at fault claims during your provided you are eligible for a rating 1 or 60% NCB and you have had no at fault incidents in the previous two (2) years reimburse you for Hire Car Costs, $80 per day up to 14 days. Maximum limit is $1,120. We will pay up to $2000 for accidental loss or damage to a loan vehicle, provided to you whilst your vehicle is being serviced or repaired. Your normal excess will apply to this benefit.

4 Driver Accident Compensation Benefit (Comprehensive only) 4WD Club Membership discount Excess Options Reversing Camera Discount Low Kilometre Option Multi Vehicle Discount Security system discount Not available We will pay benefits according to a scale to the driver of your vehicle who is injured as a result of an accident while driving your vehicle if: the driver was driving your vehicle with your consent the claim has been accepted under this policy, and the driver is not entitled to any benefits under any compulsory statutory insurance scheme or accident compensation scheme, or would have been so entitled if: it were not for the application of any excess or deductible applying under the scheme, or compensation under the scheme had not been refused, because you did not register your vehicle or apply for cover under the scheme. If you are a 4WD club or Association member your premium will be reduced by 5%. If the vehicle is fitted with a Cobra reversing camera, your If the vehicle travels less than 10,000 kms in a 12 month period your premium can be reduced. If you insure more than one vehicle with us your premium can be reduced. If the vehicle is fitted with an approved security system your Your premium can be reduced if the vehicle travels less than 10,000 during your 12 month If you are a 4WD club or Association member your premium will be reduced by 5%. If the vehicle is fitted with a Cobra reversing camera, your Your premium can be reduced if the vehicle travels less than 10,000 during your 12 month If you insure more than one vehicle with us your premium can be reduced. If the vehicle is fitted with an approved security system your

5 Sum Insured Proposal Form Claim Form 24 Hour/7 day Claims Lodgement service Pay By the Month Fees No Yes Yes Important Information This information is dated 1st July 2010 and is subject to change. The information in this document has been prepared by Affinity Risk Partners (Brokers) Pty Ltd ABN AFSL trading as Affinity Insurance Brokers. It is intended as general advice only and as a guide to assist you to compare products, but is not intended to be a comprehensive description of each product or the differences between them. The Lumley Product which is underwritten by Wesfarmers General Insurance Limited ABN AFSL trading as Lumley Insurance is no longer being distributed by Affinity Insurance Brokers. The standard CGU motor product is underwritten by CGU Insurance Limited ABN (CGU) AFSL The new CGU Affinity 4WD product is the current product distributed by Affinity Insurance Brokers ABN AFSL and is issued by CGU Insurance Limited ABN (CGU) AFSL This information does not take into account the objectives, financial situation or needs of any person. Before making a decision, you should read the Product Disclosure Statement (PDS) or Policy document and consider whether it is appropriate in light of your particular objectives, financial situation and needs. You can obtain a copy of the PDS from Affinity Insurance Brokers on