Page 41 - Policy Wording - Hollard Prestige Portfolio 1.4

How we settle your claim
Motor vehicle claims
○ If we agree to pay for a claim due to accident, loss or damage or theft 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 entitled to under the applicable additional cover option.
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 writing.
If your motor vehicle is not safe to drive we will arrange to move it to either one of our assessment centres, repair facilities or to another location nominated by you and agreed to by us.
If your motor vehicle is safe to drive we will arrange a time with you to bring your motor vehicle to one of our assessment centres or repair facilities, or another location nominated by you and agreed to by us.
If you allow us to arrange the repairs
• We ordinarily obtain one competitive 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
• After you obtain a quote from your repairer, we will:
▪ arrange a time 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 facilities, or
▪ another location 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-effective manner.
• If the repairer is not an approved repairer or the warranty of your vehicle might be affected, 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.
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Hollard Prestige Portfolio – Version 1.4 – 2 Feb 2023 39