Motor Trades Pack Finely tuned insurance for Motor Trades.
Our expertise in insurance supports you and your clients. Flexibility and value for money is the key to satisfying the needs of your clients. We strive for excellence through the development of products and services for you, our business partners. By responding to your needs we make it easier for you to do business. The Allianz Motor Trades Pack policy provides a single, electronic solution to cover all the business insurance requirements of your Motor Trade client saving you time and money. Why you should choose Allianz for Motor Trades? Total electronic solution Quotes, new business, endorsements and renewals are all electronically integrated to your systems. And they are all managed via our dedicated Motor Trades team to handle any referral risks. Accessible A dedicated team has been established to ensure that you and your clients receive a consistent and specialised service. Allianz Motor Trades strives to provide flexibility of choice, as well as an easy to understand policy, to ensure your clients receive the best insurance for their needs. Flexibility Choice of fifteen covers to help protect your clients business, including: Fire and Perils Business Interruption Theft Money General Property Glass Public and Products Liability Employee Dishonesty Machinery Breakdown Computer / Electronic Equipment Transit Tax Audit Professional Indemnity Customers Vehicles Business Vehicles Simplicity A single, electronic solution to cover all the insurance requirements of your motor trade client saving you time and money! Fire and Perils Accidental damage at the Situation covered up to $250,000 Employees tools of trade covered up to $10,000 per employee per event Public and Products Liability $100,000 any one vehicle in physical and/or legal control Rectification of faulty workmanship automatically covered up to $30,000 benefit for theft of a customers vehicle using a key Customers Vehicles Replacement of customer s vehicle with a new vehicle after total loss Business Vehicles Cover for your client s own vehicles, including courtesy/loan vehicles Replacement of your client s own vehicles after a total loss Professional Indemnity Covers your client for legal liability arising out of a breach of their professional duty with respect to registration inspections, vehicle certifications and sale of CTP Getting in touch with us To obtain a copy of the Policy Document and Product Disclosure Statement or to obtain any further information about the Allianz Motor Trades Insurance solution, please contact your local Allianz representative or our motor trades team on: Phone: 1300 40 20 40 Fax: 02 9266 7261 Email: motortrades@allianz.com.au
Important information about the Allianz Motor Trades Pack. Fire and Perils Cover Accidental Damage Cover up to $250,000 Removal of debris Greater of $50,000 or 20% of sum insured Fire extinguishment costs Cover up to $25,000 Temporary protection Cover up to $25,000 Rewriting of records Cover up to $25,000 Directors, partners and employees $5,000 any one person and up to $15,000 any one event personal property Employees tools of trade Cover up to $10,000 for each employee per event Capital additions Lesser of 10% of sum insured or $500,000 Seasonal increase for stock in trade Automatic increase in sum insured by 50% during the following periods: Christmas 60 days before Christmas day to 20th day following Easter 30 days before Easter Sunday to 20th day following Exploratory costs/search and find for leaks Cover up to $25,000 leakage of water or liquid Loss of land value Lesser of 10% of sum insured for Buildings or $100,000 Minimisation of Damage Cover up to $5,000 New premises temporary protection 30 days 10% of the highest sum insured for that item of property Property undergoing construction Lesser of 20% of building sum insured or $500,000 Curios, antiques or works of art $2,000 any one item and up to $10,000 in total if not specified A single, electronic solution to cover all the insurance requirements of your Motor Trade client saving you time and money!
Business Interruption Cover Cover options Additional increase in cost of working Accounts receivable Claim preparation costs Closure of transport routes Part of commercial complex Prevention of access Public utilities Suppliers / customers premises Additional premises Fines, damages and penalties Part A Business Income Protection Part B Consequential Loss of Profits Reasonable costs and expenses up to the sum insured 10% of sum insured subject to a 48 hour excess Up to sum insured if business is situated within multi-tenanted commercial complex Up to sum insured within 20km radius Up to sum insured subject to a 48 hour excess Up to 20% of sum insured for the section Cover up to 30 days 5% of Gross Profits sum insured Theft Cover Damage to the building Cover up to $5,000 Fittings attached to the building Cover up to $2,000 Temporary protection Cover up to $5,000 Rewriting/replacing records Cover up to $5,000 Directors, partners and employees $2,000 any one person and up to $5,000 any one event personal property Employees tools of trade Replacement keys and locks Cover up to $5,000 Cover up to $10,000 for each employee per event Temporary removal contents and stock in trade 20% of sum insured up to 60 days Death following assault (within 12 months) Cover up to $10,000 Contents in the open Cover up to $5,000 Theft without forcible entry Cover up to $5,000 Theft of customers vehicle with key Seasonal increase for stock in trade benefit Automatic increase in sum insured by 50% during the following periods: Christmas 60 days before Christmas day to 20th day following Easter 30 days before Easter Sunday to 20th day following
Money Cover Seasonal increase for money Automatic increase in sum insured by 50% during the following periods: Christmas 60 days before Christmas day to 20th day following Easter 30 days before Easter Sunday to 20th day following Temporary protection Cover up to $5,000 Public holiday extension Lesser of 100% or $50,000 Replacement keys and locks Cover up to $5,000 Directors, partners and employees personal property Theft by employees $2,000 any one person and up to $5,000 any one event Cover up to $1,000 (if discovered within 21 days) Death following assault Cover up to $10,000 General Property Cover Basis of settlement Unspecified items Replacement Cover up to $2,000 per item Glass Cover Damage to frames, stock, temporary shuttering and sign writing Illuminated signs Cover up to $5,000 as part of sum insured for damage to frames and temporary shuttering or can be insured separately Public and Products Liability Cover Rectification of faulty workmanship Theft of customers vehicle with a key $30,000 for all claims in the aggregate during the period of insurance benefit for a minimal charge, cover provided both within and outside of business hours Property in physical or legal control $100,000 per vehicle and $250,000 other property per event, up to the limit of indemnity Erections, alterations and additions Cover up to $500,000 Professional liability where advice is not given for a fee Employee Dishonesty Cover Discovery period Retroactive cover Unidentified employee Cost of recovery Earlier of up to 12 months after the expiry of insurance or 12 months after termination of employee Yes 20% of sum insured
Machinery Breakdown Cover Cover Additional machinery Hire of temporary machinery and refrigerated gas Deterioration of stock Choice of blanket cover or specifying individual items Blanket machinery limit any one loss shown in the schedule Specified machinery lesser of 25% of sum insured or $20,000 50% of costs of repair Electronic Equipment Cover Cover Basis of settlement Restoration of data Increased costs of working Choice of Accidental damage including breakdown cover or Breakdown only cover Replacement Additional items Lesser of 25% of sum insured or $10,000 Transit Cover Tax Audit Cover Professional Indemnity Cover Cover Australian Competition and Consumer Law Dishonesty of Employees, consultants, contractors or agents Additional parties Defamation Choice of Part A Fire, collision and overturning; Part B Fire, collision overturning and theft; Part C All risks not excluded Professional fees incurred in connection with a tax audit for a range of specified taxes up to $50,000 any one period of insurance On a Claims made and notified basis Cover up to $250,000 any one period of insurancep
Customers Vehicles Cover Standard cover Cover type $100,000 per vehicle and can be increased Legal liability Cover up to $20,000,000 Faultless excess Replacement vehicle Sign writing Cover up to $1,000 Accidental Damage to and Legal Liability from the use of Customers Vehicles Included Sedan, station wagon, utility or goods carrying vehicle under 2 tonne replaced with new vehicle if declared a total loss within 1st year of registration Towing Business Vehicles Cover Cover type Agreed value Loan / courtesy vehicle Choice of Comprehensive or Third party property damage only Provides cover where your business vehicle is loaned to your customer Legal liability Cover up to $20,000,000 Replacement vehicle Sedan, station wagon, utility or goods carrying vehicle under 2 tonne replaced with new vehicle if declared a total loss within first 2 years of the original registration Substitute vehicle for legal liability Rental car following theft Towing Up to 14 days / up to a maximum rental charge of $75 per day Emergency repairs Cover up to $350 Personal effects and clothing Cover up to $200 Transportation costs Cover up to $500 Signwriting Cover up to $2,000 Finance payout The lesser of 15% of agreed or market value of vehicle or $5,000 Removal of debris Cover up to $1,000 Re-keying and re-coding Cover up to $500 Windscreen claims removal of excess Uninsured motorists Cover up to $5,000 Faultless excess Included
Occupations for the Allianz Motor Trades Pack. Target Occupations Include: Agricultural Machinery Repairs Automotive electrical services Automotive mechanical repair (excl buses/trucks) Automotive mechanical repair (buses/trucks) Auto transmission specialist Automotive windscreen and glass repairs Brake and clutch services Campervan conversions Engine reconditioners Exhaust and muffler specialist Motor vehicle parts and accessories retailing (incl fitting) (under 1,000m2 floor area) Motor vehicle parts and accessories retailing (incl fitting) (above 1,000m2 floor area) Motorcycle repairs Mobile mechanic Mobile plant (heavy duty) equipment service and repair Motor trimmer Radiator specialist Rust proofing, paint protection Service station (excl automotive repairs and take away/restaurant) Service station (incl automotive repairs and take away/restaurant) Service station (excl automotive repairs) (incl take away/restaurant) Service station (incl automotive repairs) (excl take away/restaurant) Smash repairing (excl buses/trucks) Smash repairing (incl buses/trucks) Steering and suspension specialist Tyre retailing Allianz Australia Insurance Limited ABN 15 000 122 850 AFS Lcence No. 234708 2 Market Street, Sydney NSW 2000. allianz.com.au Insurance underwritten by Allianz Australia Insurance Ltd ABN 15 000 122 850 AFSL 234708. This document is a summary of features only full details of cover, limits and exclusions are available in the Policy Document and Product Disclosure Statement. The information contained in this brochure is current as at September 2012. MIS256MKT 09/12