Wednesday, Apr 30, 2014 at 17:20
A comprehensive policy is designed to cover for accidental damage or loss.
Read the PDS of the companies you are willing to consider, and if the intended uses are not excluded, than you can rely on the fact that it is included, that is how the law sees it.
Gunbarrel Highway or Pitt Street
Sydney will make little difference to the insurer providing you meet the terms and conditions of the policy, that is your obligation to them. Their obligation is to provide the cover they outline in the PDS - too many people try to overcomplicate this by asking for clarification in writing! A policy that says we will cover you anywhere you are legally allowed to be means just that, no need to ask them is it applicable to the
Gunbarrel Highway (for instance).
In fact, clarification is more likely to dilute insurance cover rather than improve it.
For the most part, insurance terms and conditions vary little between insurers as they are bound by similar re-insurance terms and conditions.
Good luck with your deliberations...and of course due your own due diligence.
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