Fact Sheet
Your Questions Matter to Us
What You Need to Know
We understand that you may have a few questions, and we’re here to provide clarity to help you feel more confident about the product benefits.
The Excess Reimbursement product will pay up to $2,000 excess in the case of an at-fault collision. With regard to ‘at-fault’, this means you or an approved driver are to blame or are responsible for a particular ‘situation’ that has incurred an insured event. This ‘situation’ would be a collision between your car and another object, and that object can be another car, a tree, a kangaroo or a similar animal, a bollard in a car park, or something that has been classified by the insurer as an at-fault situation.
This would apply when you have satisfied your insurer that you were not at fault, and they have not held you responsible for any payment of an excess.
No, unfortunately, all weather-related incidents are excluded from Auto-Guard.
If the insurer has charged you an excess in this situation, they have determined it as an at-fault claim, therefore we would pay a reimbursement of up to $2,000.
No, this is a reimbursement product, and we will require a confirmation from you that you have paid the excess directly to the insurer.
As long as the car is being driven by a person approved by your car’s comprehensive insurance provider, the benefits of this product still apply; keeping in mind that the driver must be over 21 years old and hold a full Australian driver’s licence to be eligible to claim a benefit from this product.
No, this only covers what is considered the Basic Excess. This terminology varies from insurer to insurer, but this product does not cover age excesses or special condition excesses.
If the repair is under $2,000, you as the customer must make an economic decision to pay it directly or claim on your comprehensive car insurance and risk losing your no-claim bonus. If you register a valid claim and there is an excess due to an at-fault collision you can claim a benefit on this product for the basic excess, up to $2,000
No, this is not considered an at-fault collision and is therefore excluded from this coverage.
Yes, if the comprehensive car insurance is in a business name this can be replicated on the Auto-Guard product offering, but please keep in mind if the car is used for commercial purposes this is an exclusion to receiving any benefit from this certificate. This means the covered vehicle cannot be used for commercial use; namely, the business of transporting goods or passengers for reward.
Yes, whilst the maximum benefit is $2,000 if the excess was only $800, $800 would be paid in the event of an at-fault collision.
Each device has a SIM card, that is pre-loaded with enough data to last a few years.
If you have configured your device to trigger alarms/data very often, there may come a point in a few years where you need to purchase more. This can be purchased through the App. and is inexpensive.
You can speak with your insurance company to renegotiate to a lower excess and higher premium, or you have the option to extend your plan. This is available through the app. under “Products”.