T 000005 000

1301012201302110012030332333003011013 Policy Number:

Shelley Stavenuiter
85 Homestead Drive
COMO-1839-5198
ST ALBANS PARK VIC 3219 Monthly premium:
$57.23
Date due:
25th of each month
24 May 2019

Congratulations on a great choice!

Thank you for choosing Coles Car Insurance. We’re delighted to
welcome you as a valued customer.

Paying your premium

As you have decided to pay by monthly instalments you don’t need to
do anything. We’ll automatically deduct the amount from your
nominated account each month. This process may take up to 3 days.
Monthly amount: $57.23
Payment date: 25th of each month
First instalment: $57.23

Please check the details

On the back of this page you’ll find a policy schedule showing the
details of your cover. Please check this carefully to make sure we’ve got
everything right. If you need to change anything, please call us.
Please read the enclosed Product Disclosure Statement and make sure
you understand all the features of your cover so that you can get the
DAP6A9B864606

best possible value out of your policy.

Any questions?
If you have any questions about your cover, please call 1300 265 374,
Monday to Friday 8:00 am to 9:00 pm and Saturday to Sunday 8:00 am
to 6:00 pm AEST (AEDT). We’ll be happy to help you.
Yours sincerely,

Chief Operating Officer

1300 265 374 | www.coles.com.au/insurance

Coles Car Insurance issued by Insurance Australia Limited (IAL)
ABN 11 000 016 722 AFSL 227681 PO Box 16042, Collins St West, Victoria 8007 Australia EXL765769
Policy schedule
Policy COMO-1839-5198 Premium calculation
Insurance type Comprehensive Base premium $567.60
Period of insurance 25 May 2019 to 25 May 2020 Fire service levy $0.00
Licence Cancelled/ No GST $56.76
Suspended/ Stamp duty $62.40
Disqualified Total annual amount $686.76
Claim Refused No Tax invoice
Policy cancelled No If you are registered for GST purposes, your input tax credit entitlement is, or
Previously denied No is based on, the GST amount shown above. Please note that, in accordance
with the GST law relating to insurance premiums, the GST amount may be less
insurance than 1/11th of the total amount payable.
Drug / Alcohol related No
offences Car details
Cover for drivers Yes - This policy covers drivers Car 2005 FORD TERRITORY TX (RWD)
under 25? under the age of 25 years SY 4D WAGON 4ASSS 4.0L 6
Standard excess $600 Registration XRB335
Voluntary excess $250 Sum Insured Market value
Age excess Driver under the age $800 Kept overnight 85 Homestead Drive
of 21 ST ALBANS PARK VIC 3219
Driver aged 21-24 $450 Existing damage None (i.e. no rust, hail, or other
Inexperienced driver $400 unrepaired damage)
excess This excess will not apply if an Finance None
age excess has been applied Used for business? No, private use only
Optional extras Hire Car No
Windscreen No
Drivers
Roadside Assistance No
Shelley Stavenuiter Female born on 22 July 1975
Policy holder(s) Shelley Stavenuiter
Licensed 5 or more years
Steven Stavenuiter
1 insurance claim in last 3 years
Postal address 85 Homestead Drive
requiring payment of excess
ST ALBANS PARK VIC 3219
Steven Stavenuiter Male born on 18 March 1974
flybuys number 6008945024237310
Licensed 5 or more years
No insurance claims in last 3 years

REPRESENTATIVES OF COLES INSURANCE

In addition to our employees, Coles Insurance has a network of agents (called 'distributors') that we have authorised to distribute Coles insurance products on our
behalf. Our distributors receive a fixed hourly fee for the services they provide. Our distributors' employees receive a salary and may be eligible for bonuses based
on their sales performance and the quality of service they provide to you. For more information or to make a complaint about the service you receive, please call us
on 1300 265 374.

DISCLAIMER: Standard underwriting criteria apply. Coles Supermarkets Australia Pty Ltd ABN 45 004 189 708 AR 269259 is an authorised representative of the
issuer, Insurance Australia Limited (IAL) ABN 11 000 016 722 AFSL 227681 and receives commission for each insurance policy sold and renewed. Consider the
Product Disclosure Statement available at www.coles.com.au/insurance to see if it's right for you.
*After savings and discounts and excluding gift cards and smoking/tobacco product purchases. Coles means Coles Supermarkets, Bi-Lo and Coles online only. Up to
1,000 EXTRA POINTS per policy per month. No EXTRA POINTS collected on any third party car insurance policies. EXTRA POINTS collected from the date your flybuys
membership is linked to your Coles Insurance policy and for the term of the policy. No EXTRA POINTS will be collected for the month in which your policy
terminates. Standard flybuys Terms and Conditions apply.

Coles Car Insurance issued by Insurance Australia Limited (IAL)

ABN 11 000 016 722 AFSL 227681 PO Box 16042, Collins St West, Victoria 8007 Australia
Supplementary Product Disclosure
Statement Edition 1
This Supplementary Product Disclosure Statement
(SPDS) was prepared on 7 May 2018 and is issued by
Insurance Australia Limited ABN 11 000 016 722
AFSL 227681.
The information in this SPDS updates and should be read
with the Coles Car Insurance Comprehensive Product
Disclosure Statement (PDS) version COLPDS950000817
prepared on 1 May 2017.
This SPDS should be read with the PDS, any other
applicable SPDS you received from us and your Policy
Schedule.
This SPDS will apply to policies with a commencement
date of 28 May 2018 or later and a renewal effective date
on or after 13 July 2018.
Claim Payment Examples (page 17)
Example: Your car and trailer are a total loss
The example under this heading is deleted and replaced
with the following wording:
Your car is insured for market value. Your car and a trailer
you own which is attached to your car are damaged
in a collision which is covered by the policy. The claim
is subject to the standard excess of $550 and the
inexperienced driver excess of $1,200. We determine
the market value of your car is $25,000 and the market
value of your trailer is $1,500. The salvage value of your
car is $4,000, its unexpired registration is worth $500 and
the trailer has no salvage value. You have paid us the full
amount of the premium and you are not registered for
GST.
How much we will pay: The amount payable by us for
the car is $22,750.
Explanation: The market value of the car is $25,000 and
the excesses total $1,750, and the unexpired portion
of the registration is $500 so the net amount payable is
$22,750.
We retain the salvage and the unexpired portion of the
registration. This comprises part of the value of the car
and we have paid you for that market value.
We will pay you $1,000 for the trailer. The policy has a
limit of $1,000 for trailers and so no payment can be
made for the trailer beyond this sum. If only the trailer
had been damaged nothing would have been payable
due to the operation of the policy excesses.
No Claim Discount (pages 12, 13, 14, 19,
32, 41, 42, 43, 44, 48, 54)
Your PDS is amended by the deletion of all references
to No Claim Discounts (NCD). This includes deleting the
table on page 42.
Coles Car Insurance issued by Insurance Australia Limited (IAL)
ABN 11 000 016 722 AFSL 227681 PO Box 16042, Collins St West, Victoria 8007 Australia
General Exclusions (page 34)
The exclusion for “Depreciation, wear and tear” in the
General Exclusions section on page 34 is amended to:
Depreciation
Depreciation or loss of your vehicle’s value - for example,
if your vehicle is worth less after an incident.
Wear and Tear
We do not cover wear and tear, rust or corrosion of your
car.
A new General Exclusion under this heading is inserted
with the wording:
Incorrect Fuel Type
Loss or damage to the vehicle from deliberately, or
accidentally, putting incorrect fuel into the vehicle, by
you, or someone who you allowed to use the vehicle.
Things we need to tell you (page 47)
A new paragraph under the Your Premium heading is
inserted with the following wording:
Premium Write Off
If we owe you a premium of less than $5, we will not
refund this premium. If we need to charge you an
additional premium less than $5, then we’ll waive it.
Cancelling (page 47)
The sentence immediately under the heading Cancelling
is deleted.
Return Premium (page 48)
The wording under this heading is deleted and replaced
with the following wording:
If your policy is cancelled and you have paid an annual
premium, we will return any premium you have paid for
the period after the cancellation date, less any
non-refundable government taxes, charges and the
cancellation fee of $25 inclusive of GST.
If the refund is less than the cancellation fee, a refund will
not be provided however we will not charge you for the
additional amount.
If your policy is cancelled and you are paying your
premium in monthly instalments, there will be no return
of any part of an instalment you have paid. However, you
will not have to pay any instalments which would have
become due after the date of cancellation.
243425_024SIA
COLSUP950001218 1
A new section is added under Cancelling heading
(page 47):
Cancellation fee
Coles Insurance incurs costs in establishing and
maintaining your Policy. If you cancel your policy, we will
charge you a cancellation fee of $25 inclusive of GST. The
cancellation fee will not apply when:
• You are changing the vehicle insured to a different
vehicle.
• When you cancel your policy in the cooling off period.
If your car is a total loss: (pages 53-54)
The fourth bullet point under this heading is deleted and
replaced with the following wording:
• We will retain your damaged car and keep the
proceeds of any salvage sale. If we allow you to keep
your damaged car and keep the proceeds of any
salvage sale, we will determine the:
o the salvage value of your car; and
o unexpired portion of the registration and
Compulsory Third Party (CTP) Insurance.
We will deduct each of these amounts from our
payment to you.
A new bullet point is inserted under this heading with
wording as follows:
• The amount you pay to register your vehicle or for
any CTP insurance forms part of your vehicle’s value.
If we pay your claim, we will deduct any unused
registration costs and CTP insurance premium. To
get a refund, you may need to contact your relevant
motor registration authority or CTP insurer if your
vehicle is registered in NSW. In NSW, CTP insurance is
also known as a Green Slip.
What Our Words Mean (page 59)
The definition of the words ‘Market value’ has been
changed. The reference on page 59 of the PDS is deleted
and replaced with the following wording:
Market value means the amount we assess your car
to be worth in your local area immediately before it
was damaged or stolen. Market value includes costs
for registration and Compulsory Third Party Insurance,
GST and reasonable dealer profit. It excludes warranties,
future stamp duty, transfer fees and restoration. We
consider your car’s make, model, age, condition and
kilometres travelled in assessing its market value.
Coles Car Insurance issued by Insurance Australia Limited (IAL)
ABN 11 000 016 722 AFSL 227681 PO Box 16042, Collins St West, Victoria 8007 Australia
Supplementary Product Disclosure
Statement Edition 2
This Supplementary Product Disclosure Statement
(SPDS) was prepared on 12 September 2018 and is
issued by Insurance Australia Limited ABN 11 000 016 722
AFSL 227681.
The information in this SPDS updates and should be read
with the Coles Car Insurance Comprehensive Product
Disclosure Statement (PDS) version COLPDS950000817
prepared on 1 May 2017.
This SPDS should be read with the PDS, any other applicable
SPDS you received from us and your Policy Schedule.
This SPDS will apply to policies with a commencement
date of 13 December 2018 or later and a renewal
effective date on or after 7 January 2019.
Complaints (pages 5 & 6)
The last paragraph under this section and the Financial
Ombudsman Service Australia contact details are to be
replaced with the following wording:
If an issue has not been resolved to your satisfaction,
you can lodge a complaint with the Australian Financial
Complaints Authority, or AFCA. AFCA provides fair and
independent financial services complaint resolution that
is free to consumers.
Website: www.afca.org.au
Email: info@afca.org.au
Telephone: 1800 931 678 (free call)
In writing to: Australian Financial Complaints Authority,
GPO Box 3, Melbourne VIC 3001
AFCA is independent and administers the external
segment of the general insurance industry’s alternative
dispute resolution scheme, approved by the Australian
Securities and Investments Commission.
Time limits may apply to lodge a complaint with AFCA,
as such you should act promptly or otherwise consult
the AFCA website to find out if or when the time limit
relevant to your circumstances expires.
What is not covered
- Towing and storage costs (page 31)
The first paragraph under this heading is deleted and
replaced by the following wording:
If we treat your car as a total loss, we will not return your
car to you.
If your car has been damaged: (pages 52 -53)
Under this section on page 53, the third bullet point is
replaced by the following wording:
If we decide that the cost of repairs to your car plus the
fair salvage value exceeds the fair market value of the car
at the time of loss, we will declare it a total loss.
What Our Words Mean (page 60)
The definition of the words “Total Loss” has been
changed. The reference on page 60 is deleted and
replaced with the following wording:
Total loss means where the cost to repair your car plus
243425_024SIA
the fair salvage value exceeds the fair market value of the
car at the time of the loss. If we determine this, we will
declare your car a total loss and pay you the sum insured.
COLSUP950001218 2
 T 000005 000

1301012201302110012030332333003011013 Your vehicle:

Shelley Stavenuiter & Steven Stavenuiter
2005 FORD TERRITORY
85 Homestead Drive
ST ALBANS PARK VIC 3219 Registration:
XRB335
Cover period:
25 May 2019 to 25 May 2020
24 May 2019 Policy number:
COMO-1839-5198
Here's your Certificate of Currency Insurance type:
Comprehensive
Thank you for choosing Coles Car Insurance.
Sum Insured:
Please check the details Market value
Please check your details carefully to make sure we've got everything Interested parties:
right. If you need to change anything, please call us. None
For a detailed explanation of what your policy covers, please read
the Product Disclosure Statement.

Any questions?
If you have any questions, please give us a call on 1300 265 374,
Monday to Friday 8:00 am to 9:00 pm and Saturday to Sunday 8:00 am
to 6:00 pm AEST (AEDT). We'll be happy to help you.
Yours sincerely,

Chief Operating Officer

DAP6A9B864606

1300 265 374 | www.coles.com.au/insurance

Coles Car Insurance issued by Insurance Australia Limited (IAL)
ABN 11 000 016 722 AFSL 227681 PO Box 16042, Collins St West, Victoria 8007 Australia EXL765769