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Cover for expenses and personal items if you’re without your car.
This insurance covers out of pocket expenses you could be up for if your car is declared a ‘total loss’ after an accident. You’ll get a guaranteed payment of $5,000 to offset the costs of damaged personal items and unplanned expenses from being without your car.
You can claim for personal items including mobile phones, sunglasses, sporting equipment, baby seats and harnesses and portable electronic devices. You may also be able to claim for other expenses (but may need invoices or receipts as proof). These include:
No excess applies to any claim with this policy.
A guaranteed payment of $5,000 applies.
If you change your mind, or your situation changes, you can cancel your insurance and get a full refund (as long as no claims have been made).
If you cancel after the cooling-off period, you'll get a refund on the unused portion of your premium.
This is general information only. Before entering into any salary packaging or novated leasing arrangement, you should consider your objectives, financial situation and needs, and seek appropriate legal, financial or other professional advice based upon your own particular circumstances. The availability of benefits is determined by your employer. Conditions and fees apply. Smartsalary Pty Ltd, ABN 24 096 796 100, a SmartTM company.
This policy is issued by Professional Risk Underwriting Pty Ltd ABN 80 103 953 073 AFSL 308076 (ProRisk) on behalf of the insurer VSC. This document may contain general financial product advice that does not take into account your personal financial circumstances. You can obtain the relevant PDS by contacting Smart on 1300 144 873. Smartsalary Pty Limited is a Corporate Authorised Representative (CAR No. 000284495) of Coverforce Broking Pty Ltd, ABN 11 118 883 542 AFSL 302522 of Level 26, 100 Tower One International Towers, 100 Barangaroo Avenue, Sydney NSW 2000.