Important Notices
Privacy
Jardine Lloyd Thompson respects your right to privacy and is committed to privacy protection. We use the personal details that you provide to effect this Insurance contract on your behalf and to process payments. We may also use the information that we collect from you for marketing and promotional purposes.
However, we recognise that you may not want your personal information to be used in this way. You have the right to inform us that you do not wish us to address our marketing communications specifically to you. We may give your personal information to third parties for claims purposes.
Duty of Disclosure
This duty requires you to tell the insurer everything you know that is relevant to their decisions to insure you and, if so, on what terms. A matter is relevant if you, or a reasonable person in the circumstances, would know it is relevant. You must tell the insurer these things before they issue cover, and whenever you renew, extend, vary or reinstate your policy. You do not have to tell the insurer things that:
- Reduce the risk;
- Are common knowledge;
- They already know or should know in the ordinary course of business; or
- They indicate that they do not want to know.
Non-Disclosure
The duty of disclosure applies to every person that is insured under the policy.
If you do not tell the insurer everything that you know to be relevant, they may:
- Reduce a claim payment or settlement;
- Refuse a claim;
- Cancel your policy; or
- In some cases, treat your policy as if it never existed.
What does this policy cover me for?
The Dirt Bike Insurance policy provides cover for your off road motorcycle (including any accessory attached to it) in the event of loss or damage caused by the following events anywhere in Australia:
- Damage to the motorcycle while in transit – caused by the collision or overturning of the vehicle and/or trailer transporting the motorcycle;
- Fire, lightning, explosion, storm and earthquakes; and
- Theft of the motorcycle – provided that the motorcycle is secured by chain and lock to a fixed object at the time of the theft and stored within a fully enclosed building when kept at the garaging address.
What is not covered by this policy?
This policy does not cover the following:
- Damage caused while loading and unloading your motorcycle onto or from conveyance or trailer;
- Wear and tear, gradual deterioration, mechanical or electrical breakdown;
- Damage caused during use of your motorcycle; and
- Any legal liability whatsoever.
Are there any important policy conditions that I should be aware of?
The following important conditions apply to your cover:
- Your motorcycle must be secured with a lock and chain to a fixed object at all times when not in use; and
- Your motorcycle must be stored within a fully locked and enclosed building when kept at the garaging address.
This is only a summary of the cover provided. For full details of the cover including policy conditions and exclusions, please refer to the Dirt Bike Insurance Policy wording available from JLT on request.
How much will my cover cost?
The premium is based on the market value of your motorcycle. To find out how much you have to pay simply refer to the price table.
What policy excess will I have to pay if I make a claim?
Standard Excess – an excess of 5% of the sum insured will be deducted for all claims except in the event of theft.
Theft Excess – an excess of 10% of the sum insured will be deducted for theft claims.
How do I arrange cover?
Simply complete the attached application form in full and forward it to us at the address shown. No contract is entered into until your payment and application form is received and approved by us.
Who do I contact if I have questions?
We have dedicated staff on hand to answer your questions.
Please call us on 1300 655 931 or (03) 9613 1466 or contact us by email at bikes@jlta.com.au and we will be happy to help.
Details about the Product Disclosure Statement
This document contains important information required under the Corporations Act 2001 (the Act) and has been prepared to assist you in understanding Dirt Bike Insurance and making an informed choice about your insurance requirements. This PDS sets out significant features of this insurance, including its benefits and risks, but does not describe every aspect of the cover and does not form part of the insurance contract. You should read the policy wording to obtain a complete description of benefits, terms, conditions and exclusions relating to the cover offered under this insurance. Please read this document carefully and ensure that you keep it in a safe place for future reference.
Read the Financial Services Guide