1. Rider details You must let us know straight away about any:
1.1 addition to, or change in regular riders of your bike.
1.2 traffic accidents in which you, or any regular rider of your bike, are involved.
1.3 driving offences of which you, or any regular rider of your bike, are convicted.
2. Protection of your bike You must take all reasonable steps to safeguard your bike, riding gear and personal valuables from damage or theft.
3. Inspection We must have access, at reasonable times, to inspect your bike, riding gear and personal valuables.
4. Hazardous goods If you’re carrying or using hazardous goods or substances with your bike, you must do so within the limit of any applicable law, by-law or statutory regulation.
5. Unauthorised repairs You must not replace your bike, or carry out/authorise any repairs to your bike without our written permission.
6. Other persons bound by this policy Any person covered under this policy is bound by the same terms and conditions. Make sure they read the policy.
7. Total loss
If we agree to pay your claim for a total loss, we’ll pay you the sum insured shown on your insurance certificate, minus any excess that may apply.
7.1 If you pay your premium annually, you won’t receive a refund of premium.
7.2 If you pay your premium by instalment, we’ll deduct any remaining instalments from the amount of the claim before we pay it to you.
This is because all of our obligations under this policy will have been met.
8. Lifetime guarantee on repairs The quality of the repairs authorised by us on your bike will be guaranteed for the life of your bike. However, we won’t pay for fixing any work we haven’t authorised.
9. Replacement parts for repairs for your bike If your bike is within the manufacturer’s new bike warranty period, we’ll use Original Equipment Manufacture (OEM) parts when authorising repairs. However after this period we may decide to replace damaged parts with new parts or used parts of a similar condition to those being replaced. Australian manufactured, Australian Design Rule compliant new or reconditioned parts may be used for the replacement of some components, such as radiators. Where parts are not available locally we will not pay airfreight cost or the extra cost of specially made parts.
10. Breach of policy If you breach or fail to comply with this policy, and your breach or failure prejudices our interests, we may, according to the Insurance Contracts Act, refuse to pay any claim under this policy either in whole or, at our option, in part.
11. Fraudulent claims
If you, or anyone covered under your policy is not truthful and frank in any statement made in a claim, or in connection with a claim or if any claim made under this policy is made fraudulently, we may, under the Insurance Contracts Act, refuse to pay.
12. Assistance Under the Insurance Contracts Act, we can attempt to recover the amount we’ve paid from another party. You or anyone else covered by this policy must give us any information and help we may reasonably require.
13. Legal representation We may choose to legally represent or defend you or any person covered under this policy in respect of legal liability.
14. Cancellation by you You may cancel this policy at any time, either by telephone or in writing. If you cancel this policy, you will be refunded the unexpired portion of the premium, less any non-refundable government taxes and duties.
15. Cancellation by us We may cancel this policy at any time where we’re entitled to do so under the Insurance Contracts Act. If we cancel this policy, we’ll repay the remainder of the premium you’ve paid calculated from the date of cancellation.
16. Important information for customers paying by instalments If an instalment is overdue for:
- 14 days to a month we won’t pay claims that occur on or after the 14th day
- more than a month we’ll cancel this policy from when the instalment was due to be paid.
