PDS 1
What if OI hit a kangaroo and the kangaroo caused damage on OP car, Are we going to cover the liability and damage repair because of the collision?
Yes we do cover it for comprehensive policy, however XS applies as it’s a non-recoverable claim. For third party policies we do not cover this.
Do we cover OI if he/she hit a tree after avoiding the passing child? Do we recover for the negligence of the parent?
We must give way to all pedestrians. If the customer hit a tree or another car due to avoiding an individual or another car technically we are still AF. Hitting another vehicle or a tree.
If all policy has renewal, what will happen if it is not used? Will it be rolled-over or just cancel the policy right away? So money is kinda like wasted within a year?
If customer cancel the policy or the car is written off, we can reimburse them with the unused policy period. PDS page 6 under Cancellation
What if the customer's car has electrical problem and it affects the car's performance, is still going to be covered?
As per PDS General exclusion page 22 - We don’t cover mechanical/electrical damage. We can lodge for consideration to be review if the cause of damage is in relation to any of what we covered then it's up to the assessors if we cover this or not. Customer just need to send a electrical or mechanical report and assessor will review it.
Can we cover the OI that cause by typhoon and turnado? Or this is the different coverage?
Comprehensive policy. We do cover storm, flood, tsunami, earthquake
What are the possible scenarios that we can wave an excess?
A lot. As long as OI provided the AF driver full name and residential address for comprehensive policies and full name, residential address and rego for third party policies.
Is OI will be still covered if their policy will termed on the day the accident happens?
As long as the policy is still current we can cover it.
can we cover the baby capsule on the shuttle van? and the quantity of it is around 8 seats, for silver policy.
It's the same, as long as they have that coverage then we cover it.
What if the car has a self-drive function (automated) and it hit an OP or vice-versa due to malfunction, how can we cover this kind of scenario or make an initial assessment? Since it seems that the car itself is self-driven.
Under the PDS General Exclusion page 22 we do not cover Electronic breakdown or failure. If this is caused by the manufacturing itself there is a chance that we cannot cover this.
If OI purchased a Comprehensive Basic and he/she upgrade to Comprehensive how long it will change or update the policy?
Customer can change their policy anytime. So they just need to contact S&S and they will change it - additional fees may apply