Accidental Damage Home & Contents Insurance Market Guide

Transcription

1 Accidental Damage & Contents and Contents is available in two different levels of coverage, namely Defined Events cover or Accidental Damage cover. The sum insured that you select must be sufficient to allow for the full replacement of your home &/or its contents otherwise you would have to pay the balance yourself in the event of a loss in excess of the sum insured. Defined Events Defined Events policy covers only the specified insured events described in the policy document. All other events that might cause damage are excluded. Coverage for contents is restricted to the insured premises unless a Valuables Option is also arranged. Accidental Damage Accidental Damage policy provides the most comprehensive cover available for any accidental event, theft or loss unless specifically excluded in the policy document so it provides a more extensive safety net cover. Contents are usually automatically covered away from home. Disclaimer: The Accidental Damage & Contents coverage comparisons were compiled by from the Product Disclosure Statements (PDS) / Policy Documents viewed on the individual insurance providers website. This information is provided as General Advice only and a Guide to the right policy for you. You should check the full details of coverage, cover limitations and exclusions before making a decision. responsibility is accepted for any inadvertent inaccuracy of this information. Accidental Damage & Contents Comparison with other BZI BZI Comparison BZI with other Accidental Damage & AIMS products in the insurance market shows the superior policy coverage features AIMS AIMS Contents products in the insurance market as at as at available to you through compared through compared with many Vero CGU CGU Secure Allianz Allianz Direct Direct RAA SGIC Secure Budget Youi with many Gold Star Gold Star Secure Gold Star & Contents Standard Standard Cover Extra Major cover for Features increased Comparison replacement costs 30% - catastrophe 30% - catastrophe 30% - any event 25% - any event Building Agreed code Value extra cover costs available cover $25,000 $25,000 $25,000 20% $5,000 10% %age limit Temporary Accessories accommodation - non standard cover extras - up to included? 2 years limit 20% 20% 20% 20% 10% - 1 limit limit year 10% - 1 year %age limit Mechanical Replacement & electrical Vehicle breakdown as New - of machines Age limit 20 3 years yrs old 3 15 years yrs 3 15 years yrs 320 years yrs Lifetime 1 Year 2 Yearst limit old limit old limit old limit covered Burnout Trailer of electric Cover - motors maximum limitvalue limit 20 $1,500 yrs old 20 yrs 20 yrs $1, yrs $1, yrs $500 Nil old old old old 10 yrs old 15 yrs old Trees, Windscreen shrubs & plants Breakage damage - Excess Option - no limit Option - no limit Option - no limit Option $5,000 $5,000 2 claims - excludes Option storm Protection Option Storm Finance damage Owed to fences Total in Loss sound - Gap condition Protection 75% 75% 75% 75% 100% cover Option cover cover cover cover movement Passenger damage Legal Liability cover after - Gap insured Protection event Soil Environmental efficiency upgrade of tank, systems - t $5,000 covered - $5,000 - $5,000 - $5,000 Loan Cover - Service or Repairs CONTENTS COVER Locks and Keys Replacement / Recoding Accidental loss of contents at home t covered Lifetime Maximum NCB Guarantee Accidental loss, damage or theft away from home Worldwide Worldwide Worldwide Worldwide Australia only Australia & NZ only Excess Protection - claim = or < 50% at fault Mechanical & electrical breakdown of appliances 20 yrs old limit 15 yrs old limit 15 yrs old limit 20 yrs old limit Preferred Repair Use - part Excess rebate Burnout of electric motors age limit 20 yrs yrs 10 old yrs old yrs old old yrs old 10 yrs old 15 yrs old Claim Bonus Protection - Cover Option Spoilage of frozen foods limit limit limit limit $500 Rental - t at Fault Accident Cover Jewellery limit per unspecified item $10,000 $10,000 $10,000 $10,000 $2,500 $5,000 $2,500 and total Works Rental of art & pictures - At fault limit Accident per itemoption limit limit limit limit Included $2,500 $10,000 $2,500 and total Money Roadside on premises Assistance limit Service Option Option Option Option Included $500 $200 Fraud Special cover for Exclusions debit, credit cards theft limit $5,000 $5,000 $5,000 $5,000 $5,000 $5,000 Identity Incorrect fraud recovery Fuel Used expenses damagelimit $5,000 $5,000 $5,000 $5,000 $5,000 Environmental Unattended efficiency / Unlocked upgrade Theft of appliances Upgrade Upgrade Upgrade Upgrade t t to 3 star to 3 star to 3 star + to 3 star covered covered Pre-existing keys & locks Accident loss, damage Damage or theft to - no limit - no limit - no limit - no limit - no limit Bicycles damage or theft away from home - racing t in use including racing - no racing - no racing - including covered n-household member driver exclusion Temporary accommodation cover - up to 2 years 20% 20% 20% 20% 10% limit 10% limit limit - 1 year - 1 year %age limit Driving after an Accident Monitored security alarm attendance $2,500 $2,500 $2,500 $2,500 $500 cost Modifications not approved Business Package Option including t available t t t t Liability available available available available t available See more company comparsions next page See more company comparisons next page Buyer group advantage Donnelly Brokers is a member of the AIMS national network of Brokers which has billions of dollars in premium buying power with the top general insurance companies to negotiate the most comprehensive policy coverages available exclusively for the member brokers clients. How to read this Chart Green = Better cover Orange = Less cover Red = Least cover Black = t Applicable Check why we rate your policy as superior on the following pages.

2 Accidental Damage & Contents BZI BZI Comparison BZI with other Comparison with other Accidental Damage & AIMS products in the insurance market as at shows the superior policy coverage features AIMS AIMS Contents products in the insurance market as at available to you through compared through compared with many Vero Secure CGU CGU Secure Allianz Allianz Direct Budget Direct RAA Youi SGIC with many Gold Star Gold Star Secure Gold Star & Contents Standard Standard Cover Extra Major cover for Features increased Comparison replacement costs 30% - catastrophe 30% - catastrophe 30% - any event 25% - any event Building Agreed code Value extra cover costs available cover $25,000 $25,000 $25,000 20% $5,000 10% %age limit Temporary Accessories accommodation - non standard cover extras - up to included? 2 years limit 20% 20% 20% 20% 10% - 1 year limit 10% - 1 year limit %age limit Mechanical Replacement & electrical Vehicle breakdown as New - of machines Age limit 20 3 years yrs old limit 3 15 years yrs old limit 3 15 years yrs old limit 320 years yrs old limit Lifetime 1 Year 2 Years Burnout Trailer of electric Cover - motors maximum limitvalue limit 20 $1,500 yrs old 20 yrs old 20 yrs old $1, yrs old $1, yrs old $ yrs old Nil 15 yrs old Trees, Windscreen shrubs & plants Breakage damage - Excess Protection Option - no limit Option - no limit Option - no limit Option $5,000 $5,000 2 claims - excludes Option storm Option Storm Finance damage Owed to fences Total in Loss sound - Gap condition Protection 75% cover 75% cover 75% cover 75% cover 100% cover Option Soil movement Passenger damage Legal Liability cover after - Gap insured Protection event Environmental Loan efficiency Cover - Service upgrade or Repairs of tank, systems - $5,000 - $5,000 - $5,000 - $5,000 CONTENTS COVER Locks and Keys Replacement / Recoding Accidental loss of contents at home Lifetime Maximum NCB Guarantee Accidental loss, damage or theft away from home Worldwide Worldwide Worldwide Worldwide Australia only Australia & NZ only Excess Protection - claim = or < 50% at fault Mechanical & electrical breakdown of appliances 20 yrs old limit 15 yrs old limit 15 yrs old limit 20 yrs old limit Preferred Repair Use - part Excess rebate Burnout of electric motors age limit 20 yrs old 20 yrs old 20 yrs old 20 yrs old 10 yrs old 10 yrs old 15 yrs old Claim Bonus Protection - Cover Option Spoilage of frozen foods limit limit limit limit $500 Jewellery Rental limit per - t unspecified at Fault Accident item Cover $10,000 $10,000 $10,000 $10,000 $2,500 $5,000 $2,500 and total Works Rental of art & pictures - At fault limit Accident per itemoption limit limit limit limit Included $2,500 $10,000 $2,500 and total Money Roadside on premises Assistance limit Service Option Option Option Option Included $500 $200 Fraud Special cover for Exclusions debit, credit cards theft limit $5,000 $5,000 $5,000 $5,000 $5,000 $5,000 Identity Incorrect fraud recovery Fuel Used expenses damagelimit $5,000 $5,000 $5,000 $5,000 $5,000 Environmental Unattended efficiency / Unlocked upgrade Theft of appliances Upgrade to 3 star Upgrade to 3 star Upgrade to 3 star + Upgrade to 3 star Pre-existing keys & locks Accident loss, damage Damage or theft to - no limit - no limit - no limit - no limit - no limit Bicycles n-household damage or theft member away driver from home exclusion in use - including racing - no racing - no racing - including racing Temporary Driving accommodation after an Accident cover - up to 2 years limit 20% 20% 20% 20% 10% - 1 year limit 10% - 1 year limit %age limit Monitored security alarm attendance cost $2,500 $2,500 $2,500 $2,500 $500 Modifications not approved Business Package Option including Liability t available t available t available t available t available t available See See more more company company comparsions comparisons next next page page

3 Accidental Damage & Contents shows The the chart superior below shows policy coverage the superior features available policy coverage to you through features available compared to you with many through high profile companies. compared with many Comparison with other Accidental Damage & Contents Comparison with other BZI products in the BZI insurance market as at products in the insurance market as at AIMS APIA - Suncorp Budget - Auto & Gen Ins Youi Coles - IAG Woolworths - Hollard Vero Secure & Contents CGU Extra Secure & Contents Allianz Budget Direct Youi Secure Standard Cover Extra Major cover Features for increased Comparison replacement costs Building Agreed code Value extra cover costs available cover 10% Option only t covered 30% - any event 10% Temporary Accessories accommodation - non standard cover extras - up included? to 2 years limit 20% - 1 year limit 10% - 1 year limit 12% - 1 year limit 10% - 1 year limit 10% - 1 year limit Mechanical & electrical breakdown of machines 5-10 yrs old limit Replacement Vehicle as New - Age limit 3 years 3 years 3 years 3 years Lifetime 1 Year 2 Years Burnout of electric motors limit Limit Option only 10 yrs old 10 yrs old 10 yrs old Trailer Cover - maximum value limit $1,500 $1,500 $1,500 $500 Nil Trees, shrubs & plants damage $3,000 $1,500 Windscreen Breakage - Excess Protection Option Option Option Option 2 claims Option Option Storm damage to fences in sound condition Finance Owed Total Loss - Gap Protection 75% cover 75% cover 75% cover 75% cover 100% cover Option Soil movement damage cover after insured event Passenger Legal Liability - Gap Protection Environmental efficiency upgrade of tank, systems - $3,500 Loan Cover - Service or Repairs CONTENTS COVER Accidental Locks and loss Keys of contents Replacement at home / Recoding Accidental Lifetime loss, Maximum damage NCB or theft Guarantee away from home Australia only Away from Australia only Mechanical Excess Protection & electrical - claim breakdown = or < of 50% appliances at fault t covered 5-10 yrs old limit Burnout Preferred of electric Repair motors Use - age part limit Excess rebate limit Option only - 10 yrs 10 yrs old 10 yrs old 10 yrs old Spoilage Claim of frozen Bonus foods Protection - Cover Option $500 - option $1,500 Jewellery Rental limit per - t unspecified at Fault Accident item Cover $2,500 Option only $2,500 Works Rental of art & - pictures At fault limit Accident per item Option $3,000 $5,000 $15,000 Included $5,000 Money Roadside on premises Assistance limit Service Option$500 Option $500 Option t Option covered Included $500 $500 Fraud Special cover for Exclusions debit, credit cards theft limit $2,500 $5,000 Identity fraud recovery expenses limit Incorrect Fuel Used damage Environmental efficiency upgrade of appliances Unattended / Unlocked Theft keys & locks loss, damage or theft $500 $500 $2,500 Pre-existing Accident Damage to Bicycles damage or theft away from home in use - no racing cover in use n-household member driver exclusion Temporary accommodation cover - up to 2 years limit 20% - 1 year limit 10% - 1 year limit 12% - 1 year limit 10% - 1 year limit 10% - 1 year limit Driving after an Accident Monitored security alarm attendance cost Modifications Business Package not approved Option including Liability t available t available - excludes Liability t available t available See more company comparsions next page

4 Defined Events & Contents and Contents is available in two different levels of coverage, namely Defined Events cover or Accidental Damage cover. The sum insured that you select must be sufficient to allow for the full replacement of your home &/or its contents otherwise you would have to pay the balance yourself in the event of a loss in excess of the sum insured. Defined Events Defined Events policy covers only the specified insured events described in the policy document. All other events that might cause damage are excluded. Coverage for contents is restricted to the insured premises unless a Valuables Option is also arranged. Accidental Damage Accidental Damage policy provides the most comprehensive cover available for any accidental event, theft or loss unless specifically excluded in the policy document so it provides a more extensive safety net cover. Contents are usually automatically covered away from home. Disclaimer: The Defined Events & Contents coverage comparisons were compiled by from the Product Disclosure Statements (PDS) / Policy Documents viewed on the individual insurance providers website. This information is provided as General Advice only and a Guide to the right policy for you. You should check the full details of coverage, cover limitations and exclusions before making a decision. responsibility is accepted for any inadvertent inaccuracy of this information. Defined Events & Contents Major The Features chart below Comparison. shows the The superior chart below shows policy the coverage superior policy features coverage available features to you available through to you through compared with compared many with high many profile companies. AIMS AIMS AIMS Vero Secure CGU CGU Secure Allianz Allianz Silver Star Silver Star Silver Secure Star Buyer group advantage Donnelly Brokers is a member of the AIMS national network of Brokers which has billions of dollars in premium buying power with the top general insurance companies to negotiate the most comprehensive policy coverages available exclusively for the member brokers' clients. BZI BZI & Contents Comparison with Comparison with other BZI other Standard Defined Events & Contents products products in the insurance market in the insurance market as at as at Allianz Direct Budget RAA Direct SGIC Youi Standard Cover & Contents BUILDING Major COVER Features Comparison Extra cover Agreed for Value increased cover available replacement costs 0% extra 0% extra 25% - any event Building code extra costs cover limit $25,000 $25,000 10% $5,000 10% % unknown Accessories - non standard extras included? Temporary accommodation cover - up to 2 years limit 20% 20% 20% 15% 10% - 1 year limit 10% - 1 year % unknown- limit 1 Year limit Replacement Vehicle as New - Age limit 3 years Lifetime 1 Year 2 Years years years years Burnout of electric motors limit 15 yrs old 15 yrs old 15 yrs old 10 yrs old 10 yrs old 10 yrs old Option only Trailer Cover - maximum value limit $1,500 $1,500 $1,500 $500 Nil $5,000 - excludes Trees, Windscreen shrubs & plants Breakage damage - Excess Protection $5,000 Option $5,000 Option $5,000 Option Option 2 claims Option t Option covered storm Storm Finance damage Owed to fences Total in Loss sound - Gap condition Protection 75% cover 75% cover 75% cover 75% cover 100% cover Option Soil movement Passenger damage Legal Liability cover after - Gap insured Protection event Environmental Loan efficiency Cover - Service upgrade or Repairs of tank, systems - $5,000 t covered - $5,000 - $2,500 - $5,000 Legal Locks defence and costs Keys Replacement / Recoding - $5,000 - $5,000 - $5,000 t covered t covered t covered Claims Lifetime lodgement Maximum preparation NCB costs Guarantee - $5,000 - $5,000 - $5,000 t covered t covered CONTENTS Excess COVER Protection - claim = or < 50% at fault Burnout Preferred of electric Repair motors Use age - part limit Excess rebate 15 yrs old 15 yrs old 15 yrs old 10 yrs old 10 yrs old 10 yrs old Option only Spoilage Claim of frozen Bonus foods Protection - Cover Option limit limit limit $500 $500 Jewellery limit per unspecified item $5,000 $5,000 $5,000 $5,000 $2,500 $5,000 $2,500 and total Rental - t at Fault Accident Cover Works of art & pictures limit per item $20,000 $20,000 $20,000 $10,000 $2,500 $10,000 $2,500 and total Rental - At fault Accident Option Included Money on premises limit $500 $500 $200 Roadside Assistance Service Option Option Option Option Included Fraud cover for debit, credit cards theft limit $5,000 $5,000 $5,000 $2,500 $5,000 Special Exclusions Environmental efficiency upgrade of appliances Upgrade to Upgrade to Upgrade to 3 3 star 3 star star Incorrect Fuel Used damage keys & locks loss, damage or theft $1,250 - no limit Unattended / Unlocked Theft Temporary accommodation cover - up to 2 10% 20% 20% 15% 10% % - 1 % unknown- years limit year limit year limit 1 Year limit Pre-existing Accident Damage to Monitored security alarm attendance cost $1,250 $500 n-household member driver exclusion Driving after an Accident Modifications not approved See See more more company company comparsions comparisons next next page page How to read this Chart Green = Better cover Orange = Less cover Red = Least cover Black = t Applicable Check why we rate your policy as superior on the following pages.

5 Defined Events & Contents BZI BZI Comparison with BZI other Standard Comparison Defined with Events other & Contents AIMS products in the insurance market as at shows the superior policy coverage features AIMS AIMS products in the insurance market as at available to you through compared through compared with many Vero Secure CGU CGU Secure Allianz Allianz Allianz Direct Budget RAA Direct SGIC Youi with many Silver Star Silver Star Silver Secure Star & Contents Standard Cover & Contents Extra Major cover for Features increased Comparison replacement costs Building Agreed code Value extra cover costs available cover limit $25,000 $25,000 25% - any event 10% $5,000 10% % unknown Temporary Accessories accommodation - non standard cover extras - up to included? 2 years limit 20% 20% 20% 15% 10% - 1 year limit 10% - 1 year limit % unknown- 1 Year limit Burnout Replacement of electric motors Vehicle limit as New - Age limit 15 3 years yrs old 153 yrs years old 15 yrs 3 years old 10 yrs 3 years old 10 yrs Lifetime old 110 Year yrs old Option 2 Years only Trailer Cover - maximum value limit $1,500 $1,500 $5,000 $1,500 - excludes Trees, shrubs & plants damage $5,000 $5,000 $5,000 $500 t Nilcovered storm Windscreen Breakage - Excess Protection Option Option Option Option 2 claims Option Option Storm damage to fences in sound condition Finance Owed Total Loss - Gap Protection 75% cover 75% cover 75% cover 75% cover 100% cover Option Soil movement damage cover after insured event Passenger Legal Liability - Gap Protection Environmental efficiency upgrade of tank, systems - $5,000 - $5,000 - $2,500 - $5,000 Loan Cover - Service or Repairs Legal defence costs - $5,000 - $5,000 - $5,000 Claims Locks lodgement and Keys preparation Replacement costs / Recoding - $5,000 - $5,000 - $5,000 t covered t covered t covered CONTENTS Lifetime COVER Maximum NCB Guarantee Burnout Excess of electric Protection motors - claim age limit = or < 50% at fault 15 yrs old 15 yrs old 15 yrs old 10 yrs old 10 yrs old 10 yrs old Option only Spoilage Preferred of frozen Repair foods Use - part Excess rebate limit limit limit $500 $500 Jewellery Claim limit per Bonus unspecified Protection item - Cover Option $5,000 $5,000 $5,000 $5,000 $2,500 $5,000 $2,500 and total Works Rental of art & pictures - t at limit Fault per Accident item Cover $20,000 $20,000 $20,000 $10,000 $2,500 $10,000 $2,500 and total Money Rental on premises - At limit fault Accident Option $500 Included $500 $200 Fraud Roadside cover for Assistance debit, credit Service cards theft limit $5,000 Option $5,000 Option $5,000 Option $2,500 Option $5,000 Included Environmental Special Exclusions efficiency upgrade of appliances Incorrect keys & locks Fuel loss, Used damage damage or theft Upgrade to 3 star Upgrade to 3 star $1,250 Upgrade to 3 star - no limit Temporary accommodation cover - up to 2 years limit 10% 20% 20% 15% 10% - 1 year limit 10% - 1 year limit % unknown- 1 Year limit Unattended / Unlocked Theft Monitored security alarm attendance cost $1,250 $500 Pre-existing Accident Damage to n-household member driver exclusion Driving after an Accident Modifications not approved See more company comparsions next page See more company comparisons next page

6 Defined Events & Contents Comparison with other Comparison with other AIMSStandard Defined Events products in the BZI insurance market as BZI at products in the insurance market as at shows the superior policy coverage features AIMS available to you through compared through compared with many APIA Vero - Secure Suncorp CGU Budget Secure - Auto & Allianz Gen Ins Youi Coles - IAG Budget Woolworths Direct - Hollard Youi with many & Contents & Contents Secure Standard Cover Standard Cover Cover Extra Major cover for Features increased Comparison replacement costs Building Agreed code Value extra cover costs available cover 10% Option only 10% Temporary Accessories accommodation - non standard cover extras - up to included? 2 years limit 20% - 1 year limit 10% - 1 year limit 12% - 1 year limit 10% - 1 year limit 10% - 1 year limit Burnout Replacement of electric motors Vehicle limit as New - Age limit 3 years Limit 3 years Option only 3 years 10 yrs old3 years Option Lifetime only 1 Option Year only 2 Years Trees, Trailer shrubs Cover & plants - maximum damage value limit $1,500 $1,500 $1,500 $500 $750 Nil Storm Windscreen damage to fences Breakage in sound - Excess condition Protection Option Option Option Option 2 claims Option Option Soil movement Finance Owed damage Total cover Loss after - Gap insured Protection event 75% cover 75% cover 75% cover 75% cover 100% cover Option Environmental Passenger efficiency Legal Liability upgrade - Gap of tank, Protection systems - $2,500 Legal Loan defence costs Cover - Service or Repairs t covered Claims lodgement preparation costs Locks and Keys Replacement / Recoding CONTENTS COVER Lifetime Maximum NCB Guarantee Burnout of electric motors age limit limit Option only 10 yrs old Option only Option only Excess Protection - claim = or < 50% at fault $250 per family Spoilage Preferred of frozen Repair foods Use - part Excess rebate $500 $500 $500 $500 - option member Jewellery Claim limit per Bonus unspecified Protection item - Cover Option Option only Works Rental of art & pictures - t at limit Fault per Accident item Cover $5,000 $15,000 Money Rental on premises - At limit fault Accident Option $500 $500 $200 Included $200 Fraud Roadside cover for Assistance debit, credit Service cards theft limit $1,500 Option Option Option Option Included Environmental Special Exclusions efficiency upgrade of appliances Incorrect keys & locks Fuel loss, Used damage or theft $500 $500 $500 $500 Temporary Unattended accommodation / Unlocked cover Theft - up to 2 years limit 20% - 1 year limit 10% - 1 year limit 12% - 1 year limit 10% - 1 year limit Monitored security alarm attendance cost Pre-existing Accident Damage to n-household member driver exclusion Driving after an Accident Modifications not approved See more company comparsions next page See more company comparisons next page

7 is available in two different levels of coverage, namely Market Value or Agreed Value Market Value Market Value policies cover the cash purchase price of a car the same age, type, model and condition in your local area but excluding other costs. In determining the market value, the internet, newspapers and dealer guides may be used for reference purposes. Agreed Value Agreed value policies cover you for a fixed amount which your car is insured for each period of insurance regardless of any price change for your car during that period for a guaranteed payout. It includes the value of insured accessories and equipment. The IBNA Secure policy naturally contains cover limitations and exclusions so you will need to refer carefully to the Product Disclosure Statement and Policy Document to confirm its suitability to you. You will not be covered for vehicle modifications that affect its speed or performance unless you disclose details to the insurer and they accept them in writing. You must also disclose all potential drivers of the vehicle to be insured and their driving records/convictions otherwise a claim may be reduced or denied. Disclaimer: The coverage comparisons were compiled by from the Product Disclosure Statements (PDS) / Policy Documents viewed on the individual insurance providers website. This information is provided as General Advice only and a Guide to the right policy for you. You should check the full details of coverage, cover limitations and exclusions before making a decision. responsibility is accepted for any inadvertent inaccuracy of this information. Comparison with other BZI BZI products in in the insurance market AIMS as at at through compared with many Vero Secure CGU Secure Allianz Budget Direct Youi Secure Standard Cover Major Features Comparison Agreed Value cover available Accessories - non standard extras included? Replacement Vehicle as New as New - - Age Age limit limit 3 years 3 years 3 years 3 years Lifetime 1 Year 2 Years Trailer Cover - maximum value limit $1,500 $1,500 $1,500 $500 Nil Windscreen Breakage - Excess Protection Option Option Option Option 2 claims Option Option Finance Owed Total Loss - Gap Protection 75% cover 75% cover 75% cover 75% cover 100% cover Option Passenger Legal Liability - Gap Protection Loan Cover - Service or Repairs Locks and Keys Replacement / Recoding Lifetime Maximum NCB Guarantee Excess Protection - claim = or < 50% at fault Preferred Repair Use - part Excess rebate Claim Bonus Protection - Cover Option Rental - t at Fault Accident Cover Rental - At fault Accident Option Included Roadside Assistance Service Option Option Option Option Included Special Exclusions Incorrect Fuel Used damage Unattended / Unlocked Theft Pre-existing Accident Damage to n-household member driver exclusion Driving after an Accident Modifications not approved Buyer group advantage Donnelly Brokers is a member of the AIMS national network of Brokers which has billions of dollars in premium buying power with the top general insurance companies to negotiate the most comprehensive policy coverages available exclusively for the member brokers clients. See more company comparisons comparsions next page How to read this Chart Green = Better cover Orange = Less cover Red = Least cover Black = t Applicable Check why we rate your policy as superior on the following pages.

8 Comparison with other BZI BZI products in in the insurance market as at AIMS at through compared with many Vero Secure CGU Secure Allianz Budget Direct Youi Secure Standard Cover Major Features Comparison Agreed Value cover available Accessories - non standard extras included? Replacement Vehicle as New as New - - Age Age limit limit 3 years 3 years 3 years 3 years Lifetime 1 Year 2 Years Trailer Cover - maximum value limit $1,500 $1,500 $1,500 $500 Nil Windscreen Breakage - Excess Protection Option Option Option Option 2 claims Option Option Finance Owed Total Loss - Gap Protection 75% cover 75% cover 75% cover 75% cover 100% cover Option Passenger Legal Liability - Gap Protection Loan Cover - Service or Repairs Locks and Keys Replacement / Recoding Lifetime Maximum NCB Guarantee Excess Protection - claim = or < 50% at fault Preferred Repair Use - part Excess rebate Claim Bonus Protection - Cover Option Rental - t at Fault Accident Cover Rental - At fault Accident Option Included Roadside Assistance Service Option Option Option Option Included Special Exclusions Incorrect Fuel Used damage Unattended / Unlocked Theft Pre-existing Accident Damage to n-household member driver exclusion Driving after an Accident Modifications not approved See more company comparisons comparsions next page

9 policy coverage features available to you through compared with many Major Features Comparison Comparison with other products in the insurance market as at Coles Woolworths AAMI APIA Advantage Allianz Direct RAA Agreed Value cover available t stated Accessories - non standard extras included? Replacement as New - Age limit 2 Years 2 Years 2 Years 2 years - Accident claim 10 years - Theft claim 2 Years Lifetime or 2 Years Trailer Cover - maximum value limit $1,500 Windscreen Breakage - Excess Protection Option Option Option Option Option Option Finance Owed Total Loss - Gap Protection Passenger Legal Liability - Gap Protection Loan Cover - Service or Repairs - repairs Locks and Keys Replacement / Recoding $750 Lifetime Maximum NCB Guarantee Option Excess Protection - claim = or < 50% at fault Part fault cover < 50% Preferred Repair Use - part Excess rebate Claim Bonus Protection - Cover Option Rental - t at Fault Accident Cover Rental - At fault Accident Option Roadside Assistance Service Option Option Option Option Option Option Special Exclusions Incorrect Fuel Used damage Unattended / Unlocked Theft Pre-existing Accident Damage to n-household member driver exclusion Driving after an Accident Modifications not approved SGIC 2 Years