Vero Comprehensive Insurance

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 Smart™ company. 

* Standard excess: $650 Standard Vehicles or $1,000 Prestige/High Performance Vehicles. Windscreen excess: $200. Age & Experience excess (in addition to the above) - Under 21 years old: $800; 21 - 24 years old: $600; Inexperienced driver over 24 years old with less than 2 years driving experience: $600. This policy is only available whilst you are packaging your vehicle through Smart. Smartsalary Pty Ltd (ABN 24 096 796 100) is an authorised representative (AR number 000284495) of BMS Risk Solutions Pty Ltd (BMS) (ABN 45 161 187 980, AFSL 461594) in connection with the motor vehicle insurance only.  The motor vehicle insurance is provided by AAI Limited trading as Vero Insurance (Vero) (ABN 48 005 297 807, AFSL 230859) and is issued under a binder arrangement with Vero. When acting under a binder BMS acts as agent for the insurer and not as your agent. This document is a brief outline of the cover and contains general information only. It has been prepared without taking into account your particular objectives, financial situations or needs, so you should consider whether it is appropriate for you before acting on it. For full details of the terms, limits, conditions and exclusions and before making any decisions about whether to acquire or to continue to hold this product, please consider the Financial Services Guide and Product Disclosure Statement available at smart.com.au/Product-Disclosure-Statements. The Target Market Determination is also available. View these by clicking on the links above. 

^BMS is Smart’s Insurance Broker who manages the Vero Comprehensive Motor Program.