1.0 The Buzz Car Insurance policy & cover

Your policy

Your policy or 'contract' with us is made up of your Certificate of Insurance and this PDS. We'll mail and email them to you so they'll always be available at your fingertips. Keep them together in a safe place.

You must provide us with and maintain a valid email address that you have regular access to.

Your policy covers the car listed on your Certificate of Insurance. We'll just call it 'your car'.

The cover and optional extras you choose, how long they are valid, the agreed value of your car, and information about your excess, is recorded on your Certificate of Insurance. You won't be covered under your policy for anything that's not on your certificate so it's a good idea to read it, make sure all the information is correct, and if you need to change anything, contact us.

We've adopted the General Insurance Code of Practice because we take our standards of service towards you seriously. Find out more about the code at www.codeofpractice.com.au

All dollar values described in this PDS include GST.

Our policy covers – it's your choice

The Buzz offers four types of cover and two optional extras. You can choose what suits your needs.

Cover – four types

Third Party Property Damage	Covers you, or any driver or passenger in your car, who is liable for loss or damage to someone else's property (like their car or home).
Collision	Covers the cost of fixing or replacing your car, up to the agreed value, if it's damaged in a collision, whether it's your fault or not.
Fire & Theft	Covers the cost of fixing or replacing your car, up to the agreed value, if it's damaged by fire (including bushfire), theft, attempted theft or malicious damage.
Storm & Water Damage	Covers the cost of fixing or replacing your car, up to the agreed value, if it's damaged by a storm, hail, flood or other water damage.

See Part 2 Cover in detail, pages 2 to 5 for more information.

Options – two choices

Excess-free Windscreen	Covers one excess free replacement or repair of your car's windscreen or window glass if it is accidentally broken.
Hire car	Covers the cost of a hire car for you to use while your car is being repaired/replaced if we cover loss or damage to your car.

See Part 3 Options in detail, page 6 for more information.

Putting our covers and options together

We've designed our insurance so that you can choose what suits you. But some of our covers do go together, and we also have a minimum or 'base' cover. The online application process will guide you through this.

Our base cover
Our 'base' cover Third Party Property Damage is a 'must have' because it's important you're protected for the damage you may cause to other people's property, even if you choose not to insure your own property.

You can then add other covers and options to the 'base' cover.

Covers that must be selected together
If you choose Storm & Water Damage cover, you must also choose Collision cover.

Points to note when choosing your covers
If you only choose our 'base' cover Third Party Property Damage and Fire & Theft, you can reduce your premium but you will only get cover under Fire & Theft for up to $10,000. You also won't be covered for collision related incidents. So if your car is worth more than $10,000, you should consider adding Collision to make sure you have all the cover you need to repair/replace your car if it's damaged by fire, theft, attempted theft or malicious damage.

Excess-free Windscreen option or the Hire Car option are available only if you've chosen Collision cover.

Remember, when you decide not to have a particular type of cover or option, you won't get the cover it offers. For example, if you don't choose Storm cover, you won't be covered for hail damage to your car.