Your responsibilities Car Insurance

You must:
- take all reasonable precautions to prevent damage or theft, for example:
1. move your car away from rising flood waters;
2. remove keys when no one’s in the car;
3. lock all doors and windows when your car is parked and unattended;
4. accompany anyone test driving your car when it’s up for sale.

- keep your car well maintained and in a good and roadworthy condition (e.g. replace worn out tyres, replace worn brakes and defective lights, fix paint problems, repair major rust, repair worn upholstery and repair unclaimed major scratches or dents);
- service your car as required by the manufacturer and keep records of this in case you need to claim for mechanical damage resulting from an incident;
- follow all the terms, conditions and responsibilities set out in your policy;
- provide honest and complete information for any claim, statement or document supplied to us.

Not meeting your responsibilities
If you do not meet your responsibilities, it may lead us to do either or both of the following:
- reduce or refuse to pay your claim;
- cancel your insurance policy.
If fraud is involved, we can treat your policy as if it never existed.

More than one named insured
If there is more than one named insured on your certificate of insurance, we will treat a statement,
act, omission, claim, request or direction (including to alter or cancel your policy) made by one
as a statement, act, omission, claim, request or direction by all those named as insured on your
certificate of insurance.

Special conditions
We may impose special conditions on your policy that might exclude, restrict or extend cover for a
person or particular matter. For example, we may not be able to cover certain drivers because of
the type or value of car that is insured. Any imposed conditions will be listed on your certificate of
insurance. It is important that you read your certificate of insurance carefully.