Page 40 - Bay Union - Platinum Policy Wording
P. 40

How we se le your claim
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If we agree to pay for a claim due to accident, loss or damage or the  to your motor vehicle, we decide if we will:
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If your
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repair the damage
replace the damaged parts of your motor vehicle
pay you what it would cost us to repair or replace the damaged parts of your motor vehicle settle your claim as a total loss, or
pay you up to the maximum you are en tled to under the applicable addi onal cover op on.
motor vehicle is damaged
Choice of repairer: You can choose to allow us to arrange for the repair of your motor vehicle or you may
use your own repairer if we have agreed to this in wri ng.
If your motor vehicle is not safe to drive we will arrange to move it to either one of our assessment centres, repair facili es or to another loca on nominated by you and agreed to by us.
If your motor vehicle is safe to drive we will arrange a  me with you to bring your motor vehicle to one of our assessment centres or repair facili es, or another loca on nominated by you and agreed to by us.
If you allow us to arrange the repairs
• We ordinarily obtain one compe  ve quote from our approved repairers (where available).
• We authorise the repairs based on the most appropriate quote and manage the repair process with the repairer.
• We will keep you informed on the progress of the repairs.
If you choose your own repairer
• A er you obtain a quote from your repairer, we will:
▪ arrange a  me with you to drive your motor vehicle (if it is safe to do so), or
▪ you must let us move it to one of our assessment centres or repair facili es, or
▪ another loca on nominated by you and agreed to by us.
• We will authorise the repairs if we agree that your repairer’s quote is reasonable and it will result in your motor vehicle being repaired safely and in a cost-e ec ve manner.
• If the repairer is not an approved repairer or the warranty of your vehicle might be a ected, we will ask you to sign an indemnity form.
If we do not authorise repairs, we will pay you what it would have cost us to repair your motor vehicle. The amount we pay is normally determined by obtaining a quote from a repairer of our choice.
Motor vehicle claims
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Bay Union – Pla num Policy Wording – 24 October 2016


































































































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