UPDATED CAR INSURANCE POLICY CERTIFICATE

Hi Musa, 22/03/2021

Policy Change POLICY CAR20009599

Policyholder/Driver Musa Gedda

Thanks for updating your details.
Other listed drivers Gabriel Levi
The total cost for the change is $29.56.
Mobile number 0431312531
There’s no change to the Product Disclosure Statement (PDS),
Financial Services Guide (FSG) or Premium and Excess Guide (PEG). Car MG ZS

The updated information you provided is included in your new Policy Car registration 902AX4
Certificate.
Cover type Rideshare

Keep focused on the road ahead to improve your DrivePoints and be DrivePoints No score yet
rewarded at renewal.
Cover starts 03/09/2020

Safe driving! Cover until 03/09/2021

POLICY KIT The policy change resulted in:

Product Financial Premium & Instalment Trip Data & Carpeesh

Disclosure Services Guide Excess Agreement Privacy Driver Safety
Statement (FSG) Guide (PEG) Policy App $29.56
(PDS) Changed
premium.

web email call

carpeesh.com help@carpeesh.com 1300 101 311

Carpeesh Pty Ltd ABN 30 630 295 368, AFSL 516350 arranges and issues policies for and on behalf of RACQ Insurance.
 Duty of Disclosure

What you must tell us before you enter into or vary this insurance contract

Before you enter into or vary an insurance contract, you have a duty of disclosure under the Insurance
Contracts Act 1984. If we ask you questions that are relevant to our decision to insure you and on what terms,
you must tell us anything that you know and that a reasonable person in the circumstances would include in
answering the questions. You have this duty until we agree to insure you.

What you must tell us before you renew this insurance contract

Before you renew this contract of insurance, you have a duty of disclosure under the Insurance Contracts Act
1984. When you renew your policy we may give you a copy of information you have previously told us. If we
provide you with a copy of your information, you must contact us if there has been a change. If there have not
been any changes, you must tell us. If you do not contact us, you will be taken to have told us there is no
change. Also, if we ask you questions that are relevant to our decision to insure you and on what terms, you
must tell us anything that you know and that a reasonable person in the circumstances would include in
answering the questions. You have this duty until we agree to renew the contract of insurance.

Who needs to tell us and why

It is important that you understand you are answering our questions in this way for yourself and anyone else
whom you want to be covered by the policy. We will use the answers in deciding whether to insure you and
anyone else to be insured under the policy, and on what terms.

If you don't tell us

If you do not tell us anything you are required to tell us, we may cancel your contract or reduce the amount we
will pay you if you make a claim, or both. If your failure to tell us is fraudulent, we may refuse to pay a claim and
treat the contract as if it never existed. If you do not understand your duty of disclosure, please contact us on
1300 101 311.

Cover details

Cover type Rideshare Private and Business Use

Car description 2020 MG ZS
AZS1 MY20 Excite Wagon 5dr Auto 4sp 2WD 1.5i
Accessories

Market value or Agreed value Agreed value $20,000

Finance None
Overnight kept address 92 Second Ave Marsden QLD 4132
Estimated annual kilometres 80,000
Car pre-existing damage No

Optional windscreen benefit Yes

Hire care after an accident benefit Yes

Carpeesh Pty Ltd ABN 30 630 295 368, AFSL 516350 arranges and issues policies for and on behalf of RACQ Insurance.
 Driver details

Policyholder / Listed driver Musa Gedda

Date of birth 30/06/1974
Licence type Full licence
Years licenced 6+
Mobile number 0431312531
Has this driver been under a licence suspension or No
cancellation, or restricted licence during the past 5 years?

Has the driver had any alcohol or drug related No

driving charges or dangerous driving charges within the past
5 years?
Has this driver had their car insurance cancelled or refused No
at renewal in the past 5 years?
In the last three years has this driver been convicted of any No
criminal act in relation to fraud, theft, burglary, drugs, arson
or criminal malicious or wilful damage?
In the last three years has this driver been declared No
bankrupt?
Has this driver regardless of who was at fault had any claims No
in the past 5 years?

Other Listed Drivers

Driver 2 First name Gabriel

Driver 2 Family name Levi

Driver 2 Date of birth 01/01/1980

Driver 2 Licence type Full licence

Has Driver 2 been under a licence suspension or No

cancellation or restricted licence during the past 5
years?

Has Driver 2 had any alcohol or drug-related driving No

charges or dangerous driving charges within the past
5 years?

Has Driver 2 had their car insurance cancelled or No

refused at renewal in the past 5 years?

In the last three years has Driver 2 been convicted of No

any criminal act in relation to fraud theft burglary
drugs arson or criminal malicious or wilful damage?

In the last three years has Driver 2 been declared No

bankrupt?

Has Driver 2 regardless of who was at fault had any No

claims in the past 5 years?

Carpeesh Pty Ltd ABN 30 630 295 368, AFSL 516350 arranges and issues policies for and on behalf of RACQ Insurance.
 Contact details

Policyholder/Driver Musa Gedda

Email address musamarly@yahoo.com
Mobile phone 0431312531

Excess

An Excess is the amount you pay towards the cost of each claim you make. In some circumstances you may not
need to pay an excess and in other circumstances you may be required to pay more than one excess. The
excesses you may be required to pay are listed below.Once your policy has commenced and we have received
payment, you will be advised of any applicable excess(es) that apply to your policy, on your Policy Certificate.

Standard $695
Optional variable $-200
Chosen excess (The sum of the Standard and any $495
Optional Variable)
Age (Listed driver aged 25 or younger) $500
Off-road $500
Inexperienced driver (Non-listed driver) $500
Inexperienced driver (Listed driver) $200

Carpeesh driver safety App $1000

Non-listed driver (aged 29 or younger) $1000
Non-listed driver (aged 30 or older) $500

A unique feature of Carpeesh car insurance is the ability to share your driving style to secure a discount on
premiums. If you don’t download the Carpeesh Driver Safety App and link it to your policy, then we can’t fulfil
that feature of this Policy which is important for future premium setting. As a result you incur an additional
excess of $1,000 in the event of a claim. You have 30 days from the start of the Policy to download the app. It
only takes a few minutes to complete.

Cost breakdown

This is the cost breakdown of the change in your policy. This Policy Certificate may be used as a tax invoice for
GST purposes for all amounts that have been paid.

Change in Premium $24.28

GST $2.43
Stamp duty $2.40
Merchant fee incl. GST $0.45

Change in total cost $29.56

Carpeesh Pty Ltd ABN 30 630 295 368, AFSL 516350 arranges and issues policies for and on behalf of RACQ Insurance.
 Cooling Off

When you take out a Carpeesh policy if you change your mind, you can cancel your policy within the cooling off
period and receive a full refund. To do this we must receive your request to cancel within 14 days of the start
date of the policy.

We will provide a full refund on the driver safety app fee, if you return any Bluetooth beacon you are provided
with.

This cooling off right does not apply if you have made or are entitled to make a claim. Even after the cooling off
period ends, you still have cancellation rights.

Carpeesh Driver Safety App

An essential feature of your policy is the driver safety app, which provides access to update your policy details
and allows you to report a claim at the scene. The driver safety app also samples driving data obtained using
the app features and delivers feedback on your recent trips. Other listed drivers can use it too.

You are required to download and link the Carpeesh driver safety app to your policy. You will be sent a
personalised link via text to access the driver safety app for both Android and Apple mobiles, when you first take
out a policy with us.

We will post a bluetooth beacon to the Policyholder address, which is a small card you place anywhere in your
car which pairs with the app so we only capture trips in your insured car.

If the Carpeesh driver safety app is not downloaded and linked within 30 days, and you make a claim, an
additional excess automatically applies regardless of the cause. This is shown as an additional excess on your
Policy Certificate.

Rideshare

Rideshare covers your everyday private use of your car and your rideshare use of your car when working for a
rideshare app service, such as uber or ola to carry passengers. This policy does not cover food or goods
transport, e.g uber eats or other delivery services using your car.

This policy does not cover where your car is a taxi, point to point or is full time used for rideshare services with
no private use, as drivers share the car only for rideshare, point to point or taxi services.

It is a requirement of this policy cover that you use and maintain the Carpeesh app on your mobile phone and
place the beacon device in your car. If other drivers also use your car and participate as rideshare drivers, they
need to be listed drivers who also download the Carpeesh app. Your data remains private as neither the
journeys nor the car’s DrivePoints are shared with your rideshare organisation.

If you no longer provide rideshare services, please make the change at carpeesh.com and your policy will
switch to a standard Pay how you drive policy for continued cover.

Carpeesh Pty Ltd ABN 30 630 295 368, AFSL 516350 arranges and issues policies for and on behalf of RACQ Insurance.

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