Travel Insurance

Combined Financial Services Guide, Product Disclosure Statement and Policy Wording

Date prepared: 1 December, 2006

Toursafe Travel Insurance has provided insurance cover for over a million Australian travellers. Travel Insurance is our business, we know the needs of Australian travellers and our product provides high quality and security.

Section 1 Product Disclosure Statement (‘PDS’)

The PDS is designed to assist you in your decision to purchase Toursafe Travel Insurance. It contains information about key benefits and significant features of Toursafe Travel Insurance.

The PDS also contains important information about your rights and obligations including:

• The Duty of Disclosure on page 20

• Privacy on pages 11 and 12

• Cooling off on page 9

Dispute resolution Information about dispute resolution options available to you can be found under Section 3.6 of the Financial Services Guide under ‘If you have a complaint’ at page 33 of this booklet.

The full terms and conditions that apply to your policy are contained in the Policy Wording at Section 2 of this booklet.

1.1 How Toursafe Travel Insurance is arranged

Toursafe Travel Insurance is arranged and distributed by

Compusure Pty Ltd (‘Compusure’),
ABN 18 003 162 810 • AFSL 239587
21 Conder Street, Burwood NSW 2134
Ph: (02) 9701 6500

under an Australian Financial Services License (‘AFSL’) granted to them by the Australian Securities and Investments Commission.

Under its AFSL, Compusure may appoint Authorised Representatives to distribute Toursafe Travel Insurance. Compusure are responsible for the conduct of these representatives.

Compusure provide the Financial Services Guide found at Section 3 of this booklet to help you decide whether you wish to use the services they offer.

Compusure are permitted to bind cover on behalf of:

American Home Assurance Company (‘AHAC’)
ABN 67 007 483 267 • AFSL 230903 incorporated with Limited Liability in the USA, trading as AIG Australia ('AIG Australia')
549 St.Kilda Road, Melbourne VIC 3004
AHAC is the Product Issuer of Toursafe Travel Insurance.  AIG Australia prepare this Product Disclosure Statement and settle claims.

General Advice Warning (‘GAW’)

This PDS may contain general advice. This does not take into account your personal needs and objectives. For further information please refer to the GAW contained in the ‘Financial Services Guide’ at Section 3.

1.2 Key Benefits of Your Policy

A summary of some of the key benefits of your insurance policy can be found below.

You should be aware that exclusions do apply. For detailed information about the benefits, exclusions, the circumstances under which and times benefits are provided and the process for making a claim, please read the full Policy Wording commencing at Section 2 of this booklet.

Cancellation Fees and Lost Deposits

Charges incurred by unforseen circumstances outside your control such as sickness or accident, retrenchment, strikes and cancellation of annual leave by your employer. Includes Travel Agent’s fees and Reimbursement for frequent flyer points lost.

(Refer to Section D of your Policy Wording)

Overseas medical, hospital, cash in hospital, dental and related expenses

Medical, dental and accommodation costs and, when agreed to by us, your early return to Australia for medical reasons.

Note that Medical cover is not provided under plans PH11, PL11, Q11, RH11 or RL11

Cash in Hospital

After 48 hours hospitalisation overseas we will pay you $50 for every 24 hours you are confined for out-of-pocket expenses and other comforts. This is in addition to your medical and hospital costs.

(Refer to Section E of your Policy Wording)

Luggage

Covers accidental loss, theft or damage to your luggage, including duty-free purchases and loss or fraudulent use of credit cards.

Limits apply to any one item of luggage:

$600	Under Plan F11 Platinum   C11 Gold
$500	Under Plan D11 Silver  E11 Bronze Q11 Domestic

Special limits apply for camera, video camera, laptop computer equipment, and set of golf clubs:

$3000	Under Plan F11 Platinum   C11 Gold
$2000	Under Plan D11 Silver  E11 Bronze
$500	Under Plan Q11 Domestic

Sporting Equipment

Sporting Equipment is covered for loss or damage as part of your luggage up to the limit specified in your selected plan but is not covered when in use. Items included are surfboards, boogie boards, skis, snowboards and tennis racquets. Golf clubs are covered at the higher limit per plan. We will also pay for the hire of replacement golf clubs and ski gear in the event that your equipment is delayed.

Luggage Specified Items

Cover on items worth more than the limits shown (including sporting equipment and cameras) can be arranged up to a maximum $4,000 for any one item or set with a maximum of $8,000 in total by paying an additional premium of 4% on the Insured value of these specified items.

Receipts for purchase or valuations (not more than twelve months old), must be produced to your travel agent before issue of the Policy and again to the Insurer in support of any Claim that may occur.

Emergency cover if luggage is delayed

Note that Luggage cover is not provided under plans PH11, PL11, PH11 or RL11

(Refer to Section F of your Policy Wording)

Emergency Expenses

Cover for Additional Accommodation, Meal and Travelling Expenses including emergency personal telephone calls if your trip is disrupted.

Travel Delay

Cover for reasonable accommodation and meals if you are delayed by carriers for more than ten hours.

Resumption of Trip

Cover for expenses to resume your original trip should you return to Australia with our consent following the death, or sudden serious injury or illness, of You, your Travelling Companion or a Relative or close business associate. Does not apply to one way tickets. (Not applicable on Plans PH11, PL11, Q11, RH11 or RL11)

Home Help

If you have been hospitalised overseas for more than 10 days and we have repatriated you back to Australia, we will provide if required assistance (up to $1,500 for single cover and $3,000 for family cover) provided by a company providing housekeeping or similar services registered for GST in Australia. This benefit is only for housekeeping or similar services but not home nursing. (Not applicable to Plans PH11, PL11, Q11, RH11, or RL11.)

(Refer to Section G of your Policy Wording)

Accidental Death

Occurring as a result of an accident – includes in-flight cover.

Note that Accidental Death cover is not provided under plans PH11, PL11, RH11 or RL11

(Refer to Section H of your Policy Wording)

Your liability for causing loss or damage to property, injury or death

Protection for you being liable for injuring other persons or causing damage to their property and, most importantly, your legal expenses are included.

Note that Liability cover is not provided under plans PH11, PL11, RH11 or RL11

(Refer to Section J of your Policy Wording)

Rental vehicle collision damage and theft excess cover

Rental car companies apply an excess in case of accident, damage or theft to the rental vehicle during the rental period. Your policy provides cover for this up to an amount of $4,000 on Platinum, Gold, Silver, Bronze and Domestic Plans.

Please note that conditions and exclusions apply to this cover. The hiring agreement must incorporate comprehensive motor insurance against loss or damage to the rental vehicle.

You also have the option to increase the level of excess cover up to a maximum of $6,000. An extra premium of $15 is payable for each $500 of additional excess cover required.

Note that Rental Vehicle Excess cover is not provided under plans PH11, PL11, RH11 or RL11

(Refer to Section K of your Policy Wording)

Loss of Income

Provides compensation if you are unable to resume work upon your return.

Note that Loss of Income cover is not provided under plans PH11, PL11, Q11, RH11 or RL11

(Refer to Section L of your Policy Wording)

General Exclusions

In addition to the specific exclusions which appear in the Sections referred to above, your Policy Wording also contains general exclusions. Please refer to Section C of your Policy Wording titled ‘Losses not insured under any Section of the policy’.

Your Policy Wording also contains a list of:

• Important matters at Section A of your Policy Wording and

• Definitions at Section B of your Policy Wording

1.3 Important Information

A range of benefits are available under this policy, however there are some circumstances where cover cannot be provided. These are covered in the Policy Wording but we draw your attention to some important points below.

• This policy does not automatically provide cover for travellers with a known existing health disorder (refer Section 1.9 of the PDS titled ‘Existing Health Disorders’).

• Limits and sublimits apply to certain benefits under the plan (refer to your Policy Wording which is at Section 2 of this booklet).

• This policy is not able to cover any medical, hospital, dental or ancillary benefits incurred in Australia or which we are prevented from paying by reason of any statutory legislation or government regulation such as the National Health Act.

Please note that you are obliged to check that it is safe to travel to your destination. Information on safe travel is available at www.smartraveller.gov.au or by telephoning your travel agent.

1.4 More Information about the Policy

24 Hour WORLD-WIDE EMERGENCY ASSISTANCE

Pre-trip and emergency assistance is provided on behalf of Toursafe Travel Insurance by International SOS, the world's leading provider or medical assistance and international health care.

International SOS operates a network of 24 hour alarm centres, clinics and dedicated air ambulance to provide the best possible medical advice, care and medical transfers for you no matter where you're travelling. By choosing Toursafe Travel Insurance, you have direct access to these vital services before and during your journey.

Our staff are available to assist you every hour of every day as part of your cover. We will assess your situation and guide you through the process to solve it.

Depending on the specific need we can:

• Provide pre-trip advice such as what vaccinations are required and the local medical conditions at your destination,

• Help you in the event of lost luggage, travel documents or credit by putting you in touch with the nearest embassy or other authorities.

• When medical care is needed, direct you to suitable medical facilities, monitor your condition and treatment as well as keeping your family and friends at home informed.

• Authorise and guarantee payment of hospital and medical costs.

• Decide if and when evacuation or repatriation is required and coordinate all facets.

• Provide help to re-schedule travel plans when your trip is interrupted by an emergency.

To contact our assistance services, phone REVERSE CHARGES to Australia from anywhere in the world on 61 2 9372 2450 or from within Australia to 02 9372 2450

The emergency card provided with your policy contains the information needed to activate the service - Insured Name and Policy Number must be quoted at the time you call.

Mature age traveller

This policy is available and valid only for travellers aged under 70 years at the date of departure. Travellers 70 years and over may refer to our Mature Age Travel Insurance, ask your travel agent for details and a copy of the policy.

Australian resident traveller

This policy is only available to travellers who are permanent residents of Australia.

Plan selection

International travel plans (F11, C11, D11, E11)

• You should select the Plan designated for your destination. If you have a multiple destination itinerary you should select the Plan for the destination where you will spend the majority of your trip overseas.

• If you have a multiple destination itinerary you should select the travel plan for the destination where you will spend the majority of your trip overseas except where you will spend more than 96 hours of your trip in the continents of North America, South America or Antarctica.

• If you will spend more than 96 hours of your trip in the continents of North America, South America or Antarctica then you must select the Platinum Plan

Domestic Travel Plan (Plan Q11)

Travel within Australia (including Lord Howe Island, Cocos Island, Christmas Island). You also have the option to increase the level of cancellation cover up to a maximum of $20,000 for single cover and $40,000 for family cover. An extra premium of $25 is payable for each $1,000 of additional Cancellation cover required.

Domestic Cancellation and Emergency Expenses Plans (Plan PH11 and PL11)

This is an optional plan for travel within Australia (including Lord Howe Island, Cocos Island, Christmas Island).

• Provides basic but essential cover for loss of non-refundable pre-paid travel arrangements as well as Emergency Expenses

• Cover is restricted to Policy Sections A, B, C, D (not clause D4), G (not clauses G4, G5, G6, and G7) and M.
  
  

New Zealand Cancellation and Emergency Expenses Plans (RH11 and RL11): This is an  optional plan for travel to, from and within New Zealand only

• Provides basic but essential cover for loss of non-refundable pre-paid travel arrangements as well as Emergency Expenses

• Cover is restricted to Policy Sections A, B, C, D (not clause D4), G (not clauses G4, G5, G6, and G7) and M.

This plan will only provide you with limited cover of Cancellation and Emergency Expenses. If you require a more comprehensive cover on your New Zealand travel, you may select the Bronze plan E11

Travel on cruise liners

Travellers on domestic cruises may take Bronze Plan as there may be circumstances where overseas medical cover can be provided. Travel in cruise liners on the South Pacific should take Bronze Plan.

Travellers cruising in other worldwide locations need to take the plan specified for the port of departure.

Single and family cover

We offer single and family cover and premium on each International and Domestic Plan. The Domestic and New Zealand Cancellation and Emergency Expenses Plans are per fare paying customer.

Single cover

One adult including financially dependent children or grand children under 21 years travelling with you.

Family cover

Any two adults named on the policy travelling together, includes spouse, defacto or adult Travelling Companion plus financially dependent children or grandchildren under 21 years travelling with you.

Policy extension

The Toursafe Travel Insurance policy can be extended as many times as you need up to a total of 12 months from the date of departure. However, any Existing Health Disorder cover is limited to the term of the original policy.

Bonus days

Bonus days are available on international plans only. They must be taken up during the term of the original policy and cannot be included in an extension. There are no bonus days available on a 12 month policy.

Adventure activities

Most amateur sporting and adventure activities are covered at no extra cost on ALL plans. Activities covered include snow skiing, bungee jumping, para-sailing, water skiing, white water rafting, trekking, cycling and hot air ballooning.

1.5 Costs

The schedule of benefits and the premiums payable are shown in the tables on pages 14-18 of this booklet. The premium for the plan you select will be shown on the certificate of insurance. Premiums are based on a number of factors, including the destination and length of journey and number of travellers. The base premium will be increased by any optional additions you select as well as cover for any accepted Existing Health Disorder medical conditions.

Premiums shown are inclusive of Commonwealth and State taxes and/or charges including the Goods and Services Tax and Stamp Duty.

Additional amounts payable for Existing Health Disorder cover are shown at Section 1.9 of the PDS ‘Existing Health Disorders’.

If you make a claim you may be required to pay an excess. An excess is an agreed amount that is subtracted from a claim.

The nature of the excess and when it applies are described in the Policy Wording under ‘Important matters about your policy’.

Excess eliminator

International Plans up to 34 days duration are free of an excess on claims. In the event of claims under other plans, an excess will apply.

For International Plans, 5 weeks or longer duration        $100 AUD
For NZ Cancellation and Emergency Expenses Plan       $100 AUD
For Domestic Travel plans                                             $ 50 AUD
 

Payment of an additional $15 per policy can remove all excesses on claims on all Plans

1.6 Cooling Off Period

You may return this policy to Compusure’s Authorised Representative within 14 days of purchasing, provided that no claim has arisen and your trip has not commenced. The Authorised Representative will cancel the policy and give you a full refund of premium.

1.7 The Code of Practice

AIG Australia, is a signatory to the General Insurance Code of Practice. This aims to raise the standards of practice and service in the insurance industry, and it includes the following:

• When you lodge a claim we will tell you in plain language what information we need and how you should go about making a claim.

• We will respond promptly to any request you make for assistance with a claim and it will be considered and assessed promptly.

1.8 How to Make a Claim

All claims should be directed to:

Compusure Claims
PO Box 686 Burwood NSW 1805
Ph: (02) 9715 1000 Fax: (02) 9715 1222
FREECALL 1800 818 476

Claims need to be supported by your original policy certificate of insurance, original supporting reports and documentation such as police reports, doctor's reports, Transport Provider’s reports, receipts, valuations or proof of ownership and sent to the address shown above.

(Refer also to Section M of the Policy Wording)

In the event of claims under some policy sections an excess will apply. Please refer to the Policy Wording.

1.9 Existing Health Disorders

THIS POLICY DOES NOT AUTOMATICALLY PROVIDE COVER FOR TRAVELLERS WITH AN EXISTING HEALTH DISORDER

An Existing Health Disorder means any medical or dental condition of yours or any person on whose state of health your trip depends, which in the 30 days before you applied for this insurance:

• required treatment, investigation, medication or advice from a doctor, chiropractor, physiotherapist, naturopath, psychiatrist
  or

• which you are aware of, or could be expected to be aware of, that may lead to a claim under this policy.

It also means a chronic or on-going medical or dental condition.

Existing Health Disorder cover is only available in respect of medical conditions for persons insured under this policy.

Assessment of Application

If you wish to apply for cover:

• Obtain an assessment application form for Existing Health Disorder from Compusure’s Authorised Representative

• Complete the form and return to the Authorised Representative for assessment and processing

• If required, the medical section must be completed by your usual doctor.

Only the conditions which follow are automatically covered under this policy, provided there are no planned procedures, and there have been no complications or exacerbations of the condition within the last six months. In any other circumstance, an Existing Health Disorder application form is required.

Acceptance / Authority

Compusure Pty Ltd will fairly assess applications but cannot guarantee acceptance.

If cover can be provided we will advise the terms of cover and plan code, together with an Acceptance/ Authority Number. Cover of Existing Health Disorder is limited to the approval for the original policy and cannot be extended. If accepted, an additional premium of $60 on International Plans and $40 on Domestic, New Zealand and Domestic Cancellation and Emergency Expenses plans will apply per approval. Acceptance/Authority Number must appear on the certificate of insurance.

1.10 Privacy Statement

AIG Australia is a member of American International Group, Inc (AIG).
AIG Australia has adopted the National Privacy Principles ("the NNPs").
The NNPs apply to any personal information collected by AIG Australia.

Purpose of collection

AIG Australia, Compusure and our Authorised Representative collect information necessary to underwrite and administer your insurance cover, to maintain and to improve customer service and to advise you of our products. In the course of administering your policy AIG Australia, Compusure and our Authorised Representative may exchange your personal information between themselves or disclose your personal information to:

i)    another member of the AIG group of companies either in Australia or overseas.

ii)   contractors or third party providers providing services related to the administration of your policy.

iii)  banks and financial institutions for the purpose of processing your application and obtaining policy payments.

iv)  in the event of a claim, assessors, third party administrators, emergency providers, retailers, medical providers and travel carriers.

v)   enable us to advise you on our insurance products and services.

We will only disclose your personal information to these parties for the primary purpose for which it was collected. In some circumstances AIG Australia is entitled to disclose your personal information to third parties without your authorisation such as law enforcement agencies or government authorities.

Access to your information

You may gain access to your personal information by a written request to AIG Australia. AIG Australia has also established an internal dispute resolution process for handling customer complaints and an access and correction procedure. Both procedures are generally free of charge however we reserve the right to charge for access requests in some limited circumstances.

If you feel you have a complaint about AIG Australia's Information Privacy Principles, require assistance in lodging a privacy complaint, or you wish to gain access to your information, you may write to:

The Privacy Manager
AIG Australia
549 St Kilda Road
Melbourne Vic 3004

or email australia.privacy.manager@aig.com

Your complaint will be reviewed and you will be provided with a written response. If it cannot be resolved, your complaint will be referred to AIG Australia's Internal Dispute Resolution Committee who will respond within 15 working days. In either case the matter will be reviewed by a person or persons with appropriate authority to deal with the complaint. Should your complaint not be resolved by AIG Australia's internal dispute resolution process, you may apply to the Privacy Commissioner for a review of the determination.

Consent acknowledgement

By signing the travel insurance application form and any associated form you consent to the uses of your personal information stated in the above privacy statement.

Section 2 Policy Wording

A) Important matters about your policy

A1. This document contains your travel insurance policy terms and conditions. It is important that you read and understand it and retain it in a safe place.

In the event of a claim arising under this policy you will be required to furnish evidence of the circumstances and the value of such loss. Please retain documents such as receipts, accounts, police or doctor’s reports, valuations and proof of ownership in support of Your claim.

A2. The most we will pay under any section is the amount shown in the schedule of benefits for the plan you have selected. For some plans and sections there is an amount of money (excess) that you must contribute when you claim and these are shown below. When you pay us the excess eliminator extra premium which is shown on your certificate then you will not have to pay the excess

Excess payable

For International Plans, 5 weeks or longer duration        $100 AUD
For NZ Cancellation and Emergency Expenses Plan       $100 AUD
For Domestic Travel plans                                             $ 50 AUD

A3. We will try to get you medical attention when you travel but our Emergency Service cannot guarantee that appropriate medical facilities will always be available. The Emergency Service is only provided to assess and monitor your condition and cannot take over the running of your medical treatment.

Please note that where your claim is not covered under the policy, the providing of Emergency Assistance will not in itself be an admission of liability of your claim.

A4. Your Duty of Disclosure

• What Your Must Tell Us

• When answering Our questions, You must be honest and You have a duty under law to tell Us anything known to You, and which a reasonable person in the circumstances, would include in answer to the question. We will use the answers in deciding whether to insure You and anyone else to be insured under the policy, and on what terms.

• Who needs to tell us

• It is important that You understand You are answering Our questions in this way for yourself and anyone else whom You want to be covered by this policy.

• If You Do Not Tell Us

• If you do not answer Our questions in this way, We may reduce or refuse to pay a claim, or cancel a policy. If You answer Our questions fraudulently, We may refuse to pay a claim and treat the policy as never having worked.

A5. Your policy is valid only when You pay the premium and a certificate of insurance is issued to You. The cover provided by this policy is only for the Trip specified on your certificate of insurance. The certificate of insurance shows the date of issue which is when cover for cancellation fees and lost deposits begin. Cover for all other benefits begins on the Departure Date shown on your certificate of insurance or the date You commence Your Trip and finishes on the Return Date or any earlier date if Your Trip is shortened.

A6. The policy is a contract between You and Us; You pay Us the premium and in return We give You the cover described in the policy. The policy is arranged by Compusure Pty Ltd under a binder agreement with AIG Australia and is governed by the laws in the State or Territory in which it is issued.

A7. You are free to take out travel insurance with any insurer You choose.

A8. There is a special limit that applies to the accidental death benefit of all claims made under family cover. See Section H.

A9. Subject to Your rights under the cooling off period, We will not refund any part of the premium if You cancel Your cover after any part of this policy has begun or a claim has arisen.

A10. We will automatically extend cover for a period that is necessary for You to complete Your Trip if Your return is delayed because of anything for which You can claim under this policy.

• If you extend Your Trip You may, prior to expiry of Your original policy, arrange an extension of Your original policy by payment of the incremental premium. Cover must not exceed a period of 12 months in total from the date of the commencement of Your Trip on Your original policy.

• Existing health disorder cover is not available on any extension of Your policy.

A11. We will not pay a claim if Your claim is fraudulent.

A12. We may refuse to pay a claim under this policy if You do not observe any condition of this policy.

B) Definitions (Meaning of words)

• Additional Accommodation, Meal and Travelling Expenses means only those reasonable expenses over and above what You expected to pay for accommodation, meal and travelling expenses including emergency personal telephone calls, had the Trip gone ahead as planned.

• Existing Health Disorder means:

a) any medical or dental condition of Yours or of Your Travelling Companion, Relative or close business associate which required investigation, or treatment, or medication or advice from a doctor, chiropractor, physiotherapist or naturopath, in the thirty days before the date the certificate was issued or

b) any chronic or ongoing medical or dental condition of Yours or of Your Travelling Companion, Relative or close business associate which You were aware of, or could be expected to be aware of, that may lead to a claim under this policy.

• Financial Default means insolvency, bankruptcy, provisional liquidation, liquidation, financial collapse, appointment of a receiver, manager or administrator, entry into any official or unofficial scheme of arrangement, statutory protection, restructuring or composition with creditors, or the happening of anything of a similar nature under the laws of any jurisdiction.

• Luggage means personal items, including sporting equipment, dentures and or dental prostheses designed to be worn or carried by You which You take with You or buy during Your Trip, unless they are excluded under “What is not covered” in Section F and C.

• Motor Cycle means a motorised cycle.

• Relative means someone who is resident in Australia or New Zealand and is Your spouse or defacto spouse of either gender, parent, parent-in-law, daughter, son, daughter or son-in-law, brother, sister, brother or sister-in-law, niece or nephew, grandchild, grandparent, step-parent, stepdaughter, stepson, aunt, uncle, fiancée, fiancé or guardian.

• Rental Vehicle means a motor vehicle rented or hired by You from a recognised motor vehicle rental company for the carriage of passengers and does not include any vehicle designed to be used for the carriage of commercial goods.

• Serious Injury or Illness means a condition which necessitates treatment by a legally qualified medical practitioner and which results in You or any other person to which this insurance applies being certified by that medical practitioner at the time as being unfit to travel or continue on with Your original Trip.

• Travelling Companion means the person who is to travel with You for at least 50% of the Trip and who made arrangements to accompany You before You began the Trip.

• Trip means the travel You are undertaking and commences from the time You leave Your home or place of departure to start Your trip until You return home or until the end of the period of insurance shown as the return date on the certificate of insurance, whichever is sooner.

• Terrorist Act means any actual or threatened use of force or violence directed at or causing damage, injury, harm or disruption, or committing of an act dangerous to human life or property, against any individual, property or government, with the stated or unstated objective of pursuing economic, ethnic, nationalistic, political, racial or religious interests, whether such interests are declared or not. Robberies or other criminal acts, primarily committed for personal gain and acts arising primarily from prior personal relationships between perpetrator(s) and victim(s) shall not be considered Terrorist Acts. Terrorism shall also include any act which is verified or recognised by the (relevant) Government as an act of terrorism.

• Transport Provider means any airline, bus line, shipping line or railway that has accepted Your fare.

•  Unattended means, but is not limited to, when an item is not on Your person at the time of loss, left with a person other than Your travelling companion, left in a position where it can be taken without Your knowledge including on the beach or beside the pool while You swim, leaving it a distance where You are unable to prevent it from being unlawfully taken.

• War means war, whether declared or not, or any warlike activities, including use of military force by any sovereign nation to achieve economic, geographic, nationalistic, political, racial, religious or other ends.

• We, Our, Us means American Home Assurance Company A.B.N. 67007483267 trading as AIG Australia ('AIG Australia').

• You, Your Yourself means the person or persons named on the certificate of insurance. If You select single cover the policy covers You and Your financially dependent children or grandchildren all under 21 years of age who travel with You. If You select family cover the policy covers the same persons as single cover plus your spouse, defacto partner of either gender or any adult Travelling Companion named in the certificate of insurance.

Domestic Benefits

International benefits

C) Losses not insured under any section of this policy

What is not covered

Your policy does not provide for losses, liability or expenses that are for, related to or as a result of:

C1. You not acting in a responsible way to protect Yourself and Your property or to prevent or reduce your loss.

C2. Something that at the time of taking out this policy You were aware of or could be expected to be aware of, which could bring about Your making a claim under this policy.

C3. Hunting, racing other than on foot, playing polo, professional sport, mountaineering or rock climbing using ropes or climbing equipment (other than hiking), pot holing, or travelling in international waters in a private sail vessel or privately registered sail vessel.

C4. You or Your Travelling Companion or any other person on whom Your Trip depends being affected by alcohol or drugs, unless the drugs were prescribed and used as directed by a doctor.

C5. You acting illegally or breaking any government prohibition or regulation.

C6. War, civil war, invasion, insurrection, revolution, use of military power or usurpation of government or military power.

C7. Any consequential loss, economic or otherwise, loss of enjoyment or other loss not mentioned in this policy.

C8. Nuclear explosion including all effects thereof; or radioactive contamination caused by ionising radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste caused by the combustion and or ongoing combustion of nuclear fuel; or the radioactive, toxic, explosive or other hazardous properties of any nuclear equipment or component there of.

C9. The dispersal or application of pathogenic or poisonous biological or chemical materials; or the release of pathogenic or poisonous biological or chemical materials.

C10. Any claim if You are not a permanent resident in Australia or if You do not plan to return to live in Australia at the end of Your Trip. This does not apply if You are a visitor returning to Your country of residence and Your Trip does not exceed 32 days or if We have agreed to waive this clause.

C11. Parachuting, BASE jumping, sky diving or travel in any other air supported device other than as a passenger in a licensed passenger aircraft operated by an airline or charter company. This does not apply to hot air ballooning or parasailing.

C12. Any loss, consequential loss or liability arising directly or indirectly out of any failure, malfunction, breakdown, inability to perform normal functions or interruption of operation of any computer hardware, integrated circuit, operating system, application, software, electronic equipment, computer chip, programmed or embedded logic control system or similar device being affected due to date based functionality or performance being affected by the use of any date format.

C13. Travelling against medical advice or for the purpose of obtaining medical advice or treatment or if a terminal or malignant prognosis was given before You applied for this insurance.

C14. Diving underwater using an artificial breathing apparatus unless You hold an open water diving licence or You were diving under licensed instruction.

C15. You operating a Motor Cycle without You holding a valid licence for the country the Motor Cycle is being operated in.

C16. A government authority seizing, withholding or destroying anything of Yours or any prohibition by or regulation or intervention of any government.

C17. The refusal, failure or inability of any person, company or organisation, including but not limited to any airline, other transportation provider, hotel, car rental agency, tour or cruise operator, travel wholesaler, booking agent or other provider of travel or tourism related services, facilities or accommodation, to provide services, facilities or accommodation, by reason of their own Financial Default or the Financial Default of any person, company or organisation with whom or with which they deal.

D) Cancellation fees and lost deposits

You may have to pay an excess for each problem or incident You claim for under this Section unless You have paid for the excess eliminator. See Section A2 for details.

If You make a claim you will be required to give Us things like reports or a certificate from the doctor who treated You to show that your claim is necessary.

What is covered

D1. The cost of cancellation fees and lost deposits on prepaid tickets and bookings that You cannot claim from anyone else if Your Trip is shortened or cancelled because of something unexpected and outside Your control or the reasonable cost of rearranging your travel because of something unexpected and outside Your control, provided this cost is not greater than the cancellation fees or lost deposits which would have been incurred if the Trip had been cancelled.

D2. If We pay a claim under E4 or G2 then you cannot claim for unused non-refundable tickets that are for the return trip to Australia.

D3. Non-recoverable Fees You have been charged by your Travel Agent, up to $1,500 for single cover or $3,000 for family cover, but We will not pay more than the loss of the normal remuneration available to the agent had the trip gone ahead as planned.

D4. Where an airline ticket was purchased using frequent flyer or similar air points, We will pay You for frequent flyer or similar air points lost following cancellation of your air ticket. The amount payable will be calculated as follows:

If the airline will not refund Your points, We will refund to You the cost of the equivalent class air ticket based on the quoted retail price at the time the tickets was issued, less the value of the portion of Your points refunded back to You.

If the airline will only refund portion or Your points, We will refund to You the cost of the equivalent class air ticket based on the quoted retail price at the time the ticket was issued, less the value of the portion of Your points refunded back to You.

For this benefit to be come payable:
a) the reason for cancellation must be covered under this section of the policy, and
b) the loss of such points cannot be recovered from any other source
c) before You submit a claim under this section You must first request the airline refund Your points.
This cover is not available under Cancellation and Emergency Expenses Plans (PH11, PL11, RH11 and RL11)

What is not covered

Losses, liability or expenses that are for, related to or as a result of:

D5. Any Existing Health Disorder unless agreed to by Us in writing. See Section B for details.

D6. Any medical or dental problem of yours which You told us about when You took out this insurance and We told you We would not cover.

D7. You not taking precaution to avoid a claim after there was a warning in the mass media of a strike, riot or bad weather or other circumstances.

D8. A change of plans because You or your Travelling Companion change Your mind and decide not to proceed with your original trip.

D9. Claims arising from your business (other than severe damage to your business premises), your financial or contractual obligations or those of your Travelling Companion, Relative or close business associate.

D10. You not complying with what your ticket conditions require.

D11. Tours being cancelled because there were not enough people to go. This does not apply in relation to pre paid travel arrangements purchased separately to get to and/or from your destination.

D12. You knowingly making travel arrangements through an unlicensed travel agent.

D13. Cancellations, delays or rescheduling caused by your transport provider.

D14. Mechanical breakdown of any means of transport.

D15. The death, injury or illness of any Relative who is not residing in Australia or New Zealand.

D16. The government of any country not allowing You to enter or stay in that country.

D17. Your or any other person's pregnancy or related complications after 26weeks or pregnancy, or childbirth after 26weeks of pregnancy unless the childbirth was accelerated by accidental injury, irrespective of whether or not the pregnancy was known at the date of the certificate of insurance was insured.

D18. Using a hospital for addiction treatment or as a nursing, convalescent or rehabilitation place.

D19. Your or any other person’s depression, stress, anxiety, mental or nervous disorder, suicide or attempted suicide or self injury.

D20. Sexually transmitted diseases of any sort, Acquired Immune Deficiency Syndrome (AIDS) or AIDS related complex (ARC) or Human Immunodeficiency Virus (HIV).

D21. The cost of a return ticket if You have not purchased a return air ticket to Australia. We will deduct from your claim the cost of the fare between your last intended place of departure to Australia, at the same cabin class as your initial departure fare.

D22. Any Terrorist Act or any loss arising out of the intentional use of military force to intercept, prevent, or mitigate any known or suspected Terrorist Act.

D23. The non-refundable unused portion pf travel or accommodation arrangements where alternative travel or accommodation is paid for by Us as part of a claim under this Policy. This exclusion will not apply where the unused portion of the accommodation arrangements result directly from the hospitalisation or death of you or Your travelling Companion, and agreed to by Us.

D24 See also Section C.

E) Overseas medical, hospital, cash in hospital, dental and related expenses

You may have to pay an excess for each injury or illness you claim for under this Section except for E2 and E6 unless you have paid the excess eliminator. See Section A2 for details.

What is covered

E1. Necessary overseas medical and hospital expenses You have to pay as a result of an injury or illness (including injury arising from a Terrorist Act subject to policy terms and exclusions including C9) which first occurs or becomes apparent after the issue date of your certificate of insurance. All medical treatments must be provided by a legally qualified medical practitioner. We will pay up to the latter of your return date as shown on your certificate of insurance or 6 months from the time You first received treatment for the injury or illness.

E2. If You are hospitalised overseas for more than 48 hours We will also pay $50 for each 24 hour period You are in hospital from the first day of hospitalisation.

E3A. Up to $2,000 for emergency overseas dental expenses incurred following an injury to sound and natural teeth caused solely and directly by external and visible means as a result of an accident and which does not result from an illness or disease, but not treatment that can be delayed until You return to Australia.

E3B. Up to $500 for emergency dental costs for relief of sudden and acute pain given or prescribed by a legally qualified practitioner and necessarily incurred outside Australia.

E4. The cost of moving You to another country or to bring You home to Australia. If You want to move and want us to pay for it, You must contact us first and get our agreement. At our discretion, We will decide on which action to take based on strict medical necessity and as agreed by our medical adviser. If we bring You home to Australia we will use your return ticket towards our costs.

E5. Additional accommodation, meal and travelling expenses of your Travelling Companion or Relative if we agree with your doctor that a Travelling Companion or Relative must travel to see you, or stay with you until you are able to resume your trip, or escort you home.

E6. Funeral expenses if you die while overseas. We will pay the cost incurred overseas for a funeral or cremation and the return of your remains to Australia – but the most we will pay is $20,000.

What is not covered

Losses, liability or expenses that are for, related to or as a result of:

E7. Any Existing Health Disorder unless agreed to by us in writing. See Section B for details.

E8. The replenishment of any medication in use at the time of applying for this insurance or for the maintenance of any form of treatment commenced before then.

E9. Any medical or dental problem of yours which You told us about when You took out this insurance and We told you We would not cover it.

E10. Medical, hospital, dental or any ancillary benefits expenses incurred in Australia or for which we are prevented from paying by reason of any statutory legislation or government regulation OR Expenses incurred for dental treatment due to normal wear and tear or the normal maintenance of dental health.

E11. Any claim for which You are entitled to receive reimbursement from Workers Compensation or other statutory scheme or private health insurance.

E12. Pregnancy or related complications, in either case, after 26 weeks of pregnancy or childbirth after 26 weeks of pregnancy unless the childbirth was accelerated by accidental injury.

E13. Using a hospital for addiction treatment or as a nursing, convalescent or rehabilitation place.

E14. Your or any other person’s depression, stress, anxiety, mental or nervous disorder, suicide or attempted suicide or self injury.

E15. Sexually transmitted diseases of any sort, Acquired Immune Deficiency Syndrome (AIDS) or AIDS related complex (ARC) or Human Immunodeficiency Virus (HIV).

E16. The cost of a return ticket if You have not purchased a return air ticket to Australia. We will deduct from your claim the cost of the fare between your last intended place of departure to Australia, at the same cabin class as your initial departure fare.

E17. See also Section C.

F) Luggage

You may have to pay an excess for each incident you claim for under this Section except F4 and F5 unless you have paid the excess eliminator. See Section A2 for details.

What is covered

F1. We will pay for the repair cost or loss in cash of any luggage you lose or which is stolen or damaged after allowing for depreciation that We think is reasonable. At our sole discretion we also have the option to repair or replace the luggage.

F2. Payment will not exceed the original price You paid. The most We will pay for each item depending on the plan you have selected is:

A pair or set of items is treated as one item.
(eg. a pair of earrings, a camera body and its standard lens and accessories, or a set of golf clubs).

The limit for any specified item may be increased to $4,000 with a maximum for all specified items of $8,000. You must have paid the appropriate additional premium and in the event of any claim can show us in support of your claim a receipt or valuation issued in the twelve months before the commencement of your trip.

F3. Luggage left in a motor vehicle is only covered during daylight hours if it is locked in the boot or locked luggage compartment and forced entry was gained. No cover applies if left unattended in the passenger compartment or overnight in the motor vehicle, nor does cover apply to mobile phones, computer equipment, or jewellery items left unattended in a motor vehicle at any time.

F4. If your travel documents, credit cards or travellers cheques carried with You are lost or illegally used by someone other than You, your Relative or Travelling Companion, we pay any amounts You have to pay to replace them or resulting from their fraudulent use. The maximum we will pay is $3,000.

F5. If You have to buy essential clothing and personal items overseas because luggage carried by your Transport Provider overseas is delayed by more than 10 hours, we will pay up to $300 per trip for single cover and $600 per trip for family cover. Receipts must be provided as proof of purchase of such items and be dated prior to the date of recovery of your delayed luggage. The amount paid by us will be deducted from any Luggage claim payable under F1.

F6. Following a loss under this policy Section we will allow on settlement one automatic reinstatement of the sum insured.

F7. If your golf or snow skiing equipment is lost, delayed or damaged while on the trip, We will pay the necessary cost of hiring replacement equipment up to the amount of $100 single and $150 family policy. Any claim must be supported by receipts.

What is not covered

F8. Furniture.

F9. Items for trade, trade samples or your tools of trade or profession.

F10. Brittle or fragile items, glassware, china, ceramics, pottery etc or an electronic component that becomes broken or scratched unless it is:

• the lens of spectacles, laptop computers, binoculars, photographic or video equipment.

• a breakage or scratch caused by an accident involving any vehicle you were travelling in.

F11. The loss of your travel documents, credit cards or travellers cheques if You do not report it immediately to the company that issued them and follow their instructions.

F12. Cash and negotiable items, gold or precious metals precious unset or uncut gemstones.

F13. Luggage that you leave unattended or with someone you do not know looking after it.

F14. Luggage left in a motor vehicle unless it is locked in the boot or locked luggage compartment or any Luggage left overnight in a motor vehicle even if it is in the locked boot or locked luggage compartment.

F15. Mobile phones, computer equipment, or jewellery left unattended in a motor vehicle at any time.

F16. Luggage that you send or leave somewhere else and it won’t be travelling with you on your trip.

F17. Sporting equipment, including surfboards, snowboards, sailboards and boogie boards, while you are using them.

F18. Electrical or mechanical breakdown.

F19. Normal wear and tear, deterioration or losses caused by atmospheric or climatic conditions, mould or fungus, insects, rodents, vermin or any process of cleaning, ironing, repairing, restoring or alteration.

F20. The cost of consultation fees to replace prescription medication.

F21. Loss of luggage not reported to the Transport Provider, police, hotel or appropriate authority within 24 hours of you becoming aware of the loss and where no written report is obtained.

F22. See also Section C.

G) Emergency expenses

You may have to pay an excess for each incident you claim for under this Section except G5, unless You have paid the excess eliminator. See Section A2 for details.

What is covered

Your Additional Accommodation Meal and Travelling expenses including emergency personal telephone calls.

G1 If your trip is disrupted because of:

• your passport or travel documents being lost or stolen

• you innocently breaking any quarantine regulation

• natural disaster, severe weather conditions

• serious damage to your home or business premises in Australia

• your treating doctor certifying that you or your Travelling Companion are unfit to continue with your original itinerary or an amended itinerary

• an accident involving your means of transport

• cancellation, delay or diversion of your scheduled transport caused by riot, strike, civil commotion, – but only those expenses you cannot claim from someone else

Your additional expenses of returning to your home in Australia and resumption of your trip.

G2. If unexpectedly there is a death or sudden serious injury or illness involving:

• you, your Relative or Travelling Companion or their Relative in Australia or New Zealand, or

• your close business associate in Australia.

We will also pay your transport costs to resume your original overseas trip if you rejoin it within 60 days of returning to Australia or New Zealand. The most we will pay is $2,000 for single cover and $4,000 for family cover under Silver and Bronze plan and $3,000 single and $6,000 family under Platinum and Gold plan.

G3. Expenses in Sections G2 can only be incurred with our consent and you must provide us with a letter from the treating doctor to support your claim that it was medically necessary or the condition of the other person was serious enough to warrant your early return home.

Travel Delay

G4. If your scheduled transport is delayed for at least ten hours for reasons outside your control and you cannot claim the expenses from anyone else, we will pay for your expenses up to $300 for single cover and $600 for family cover for each day the delay continues but if you claim this benefit we will not pay for accommodation, meal and travelling expenses in Section G1.

Hijack and Kidnap

G5. If you are hijacked or kidnapped we will pay $1,000 for single cover or $2,000 for family cover for each 24 hours that you are held captive. The most we will pay is for 10 days.

Special Events, Missed Connections

G6. If your trip is for the purpose of attending a prearranged wedding, funeral, conference or sporting event which cannot be delayed due to your late arrival and the trip is delayed because of something unexpected and outside your control, we will pay you the reasonable additional cost of using alternative public transport to arrive at your destination on time. The most we will pay is $2,000 for single cover and $4,000 for family cover.

Home Help

G7. Following hospitalisation overseas for a period of not less than 10 days for which a claim is admissible under your policy we will following agreed repatriation by us, provide if required up to $1,500 for single cover and $3,000 for family cover towards home help (not nursing) provided by a company providing housekeeping or similar services registered for GST in Australia.

What is not covered

Losses, liability or expenses that are for, related to or as a result of:

G8. You not taking precaution to avoid a claim after there was warning in the mass media of a strike or riot.

G9. Any Existing Health Disorder unless agreed to by us in writing. See Section B for details.

G10. You or any other persons pregnancy or related complications after 26 weeks of pregnancy, or childbirth after 26weeks of pregnancy unless the childbirth was accelerated by accidental injury.

G11. Using a hospital for addiction treatment or as a nursing, convalescent or rehabilitation place.

G12. Your or any other person’s depression, stress, anxiety, mental or nervous disorder, suicide or attempted suicide or self injury.

G13. Sexually transmitted diseases of any sort, Acquired Immune Deficiency Syndrome (AIDS) or AIDS related complex (ARC) or Human Immunodeficiency Virus (HIV).

G14. The cost of a return ticket if you have not purchased a return air ticket to Australia. We will deduct from your claim the cost of the fare between your last intended place of departure to Australia, at the same cabin class as your initial departure fare.

G15. Any Terrorist Act or any loss arising out of the intentional use of military force to intercept, prevent, or mitigate any known or suspected Terrorist Act. This exclusion does not apply to clause G5.

G16. Additional accommodation expenses where We have also paid a claim for the cost of cancellation fees or lost deposits on bookings in respect of the same period. This exclusion will not apply where the additional accommodation expenses are incurred directly as a result of the hospitalisation or death of You or Your Travelling Companion, and are agreed by Us.

G17. See also Section C.

H) Accidental death

What is covered

H1. Your death if it occurs within 12 months as a result of an injury caused by an accident or Terrorist Act (subject to policy terms and exclusions including C9) during your trip.

H2. Your disappearance because your means of transport disappeared, sank or was wrecked and your body has still not been found 12 months later.

H3. If You select family cover You and your spouse are each covered for half the amount shown and single cover does not apply.

H4. Your dependant children under 21 years travelling with you are covered up to $1,000 each.

What is not covered

H5. Death caused by illness or suicide.

H6. See also Section C.

J) Your liability for causing loss or damage to property, injury or death

What is covered

J1. Compensatory damages You become legally liable to pay because during your Trip You injured someone, caused someone to die, or lost or damaged someone’s property.

J2. Your reasonable legal costs and expenses for settling and defending the claim made against You as long as You have incurred them with our approval.

What is not covered

J3. Injury to your Travelling Companion or to a Relative or employee of either of you.

J4. Loss of or damage to property belonging to or in the care or control of you, a Relative of yours, your Travelling Companion, or an employee of any of the aforementioned.

J5. A claim against You arising out of ownership, custody, or use of any motor vehicle or mechanically propelled vehicle, any aircraft, watercraft or firearms.

J6. A claim arising from the conduct of a business, profession or trade, including You providing professional advice or service.

J7. A claim which would be covered under workers compensation legislation, an industrial award or agreement, or accident compensation legislation.

J8. Any fine or penalty.

J9. Punitive, aggravated or exemplary damages.

J10. Any Terrorist Act or any loss arising out of the intentional use of military force to intercept, prevent, or mitigate any known or suspected Terrorist Act.

J11. See also Section C.

K) Rental vehicle collision damage and theft excess cover

What is covered

K1. We will reimburse You for any excess or deductible which You become legally liable to pay under your rental vehicle hiring agreement if the rental vehicle is involved in an accident or is stolen during the rental period.

K2. If your doctor or dentist certifies that You are unfit to drive, up to $250 to return your hired car to the owner’s nearest depot, but not exceeding the sum insured in the plan selected.

You have the option to increase the amount of cover by payment of an extra premium of $15 for each additional $500 of excess cover required to a maximum of $6,000.

Conditions

1. The rental vehicle must be rented from a recognised rental agency.

2. The hiring arrangement must incorporate comprehensive motor insurance against loss or damage to the rental vehicle.

3. You must comply with all requirements of the rental organisation under the hiring agreement and of the insurer under such insurance.

What is not covered

K3. Loss or damage arising from operation of the rental vehicle in violation of the terms of the rental agreement or loss or damage which occurs beyond the limits of any public roadway.

K4. Wear and tear, gradual deterioration, damage from insects or vermin, inherent vice, latent defect or damage.

K5. See also Section C

L) Loss of income

What is covered

L1. Loss of your usual income up to $400 per week while you cannot resume your pre-trip employment if You are injured overseas as a result of an accident or Terrorist Act (subject to policy terms and exclusions including C9) and within 90 days of being injured you lose all your income because You cannot do your normal work when you return to Australia.

What is not covered

L2. The first 30 days after You planned to resume your job.

L3. Any further benefit after we have paid You for 3 months.

L4. Any injury which is covered by workers compensation or statutory benefits.

L5. Any inability to work as a result of sickness or disease.

L6. Claims that are not notified to us within 60 days of your return to Australia.

L7. See also Section C.

M) Claims

M1.When something happens that might lead to a claim, You must:

• tell us promptly

• tell the police, transport provider, hotel or other authority within 24 hours and obtain a copy of that report

• send us your claim form as soon as possible

• provide us at your expense with any information about the claim we may ask for, including:

– reports from police, transport provider, hotel or other authority

– doctor’s reports

– accounts, receipts and quotations

– valuations and proof of ownership dated prior to the date of loss

– letters or notices you receive from anyone else about your claim

– your original tickets if we have paid to bring you home

– a letter from your travel agent setting out the charges incurred if your claim is for cancellation fees or lost deposits.

M2. If You can claim from anyone else and we also pay You, then you must refund us the amount we paid if they pay You. You cannot claim from us and them unless we are only making up the difference.

M3. We have the sole right to make admissions, settle any claims against You and defend You. We may refuse to protect You if You admit fault, make any offer or payment or defend a claim in court without our consent.

M4. You must assist us even after we have paid your claim if we want to recover the amount of any payment from anyone who caused You to suffer loss or damage, or if We want to defend you against an allegation that You caused someone else loss or damage. This could include attending court to give evidence.

M5. We will be entitled to conduct in your name the defence or settlement of any claim or to prosecute in your name.

M6. We pay all claims in Australian dollars at the rate of currency exchange that applied at the time of the event that caused the claim.

M7. You must do all you can to minimise the cost of any claim under your Policy.

M8. You must at all times follow our or medical adviser’s advice or instruction.

Section 3 Financial Services Guide

3.1 ABOUT THIS FINANCIAL SERVICES GUIDE

The Financial Services Guide (‘FSG’) provides information to assist you to decide whether you wish to use any of the services offered by Compusure Pty Ltd (‘Compusure’) or AIG Australia. It also sets out other information required by law to be included in an FSG.

For example, the FSG contains information about remuneration that may be paid to Compusure and other relevant people or organisations related to the services offered.

It also contains information about how you may access dispute resolution.

3.2 GENERAL ADVICE WARNING

When arranging your insurance we may provide you with general advice. General Advice is provided without taking in to consideration your personal circumstances, objectives or financial situation.

Because of this you need to read the Product Disclosure Statement to consider if it is right for you. before deciding to acquire the Toursafe Travel Insurance product.

3.3 HOW OUR AUTHORISED REPRESENTATIVE AND COMPUSURE ARE REMUNERATED

From the premium you pay, Compusure who are responsible for most of the administration, marketing and distribution costs incurred in connection with the product receive fees amounting to fifty eight percent of the premium from which when dealing with an Authorised Representative commission ranging from thirty eight to fifty one percent of the premium is paid to the Authorised Representative and associated entities. Our Authorised Representative has been appointed to distribute and deal with Toursafe Travel Insurance by Compusure Pty Ltd who hold an Australian Financial Services Licence (‘AFSL’) granted by the Australian Securities and Investments Commission.

3.4 ABOUT COMPUSURE AND OUR AUTHORISED REPRESENTATIVES

Compusure holds an Australian Financial Services Licence (AFSL) granted by the Australian Securities and Investments Commission

Contact details for Compusure are:

Compusure Pty Ltd (‘Compusure’),

ABN 18 003 162 810 • AFSL 239587

21 Conder Street, Burwood NSW 2134

Phone (02) 9701 6500

Under their AFSL, Compusure may advise and deal in specified general insurance products that are issued/insured by:

American Home Assurance Company

ABN 67 007 483 267 • AFSL 230903 incorporated with Limited Liability in the USA, trading as AIG Australia ("AIG Australia")

549 St. Kilda Road, Melbourne Vic 3004

Compusure operates under a binder agreement (‘binder’) with AIG Australia. A binder is an arrangement that gives Compusure authority to deal in Toursafe Travel Insurance products on behalf of AIG Australia.

Compusure may under its AFSL appoint an individual or a group as authorised representatives, to distribute Toursafe Travel Insurance products. Compusure are responsible for the conduct of these representatives.

Details of Compusure’s Authorised Representative are shown on the back cover of this document.

When Dealing in relation to this policy both the Authorised Representative and Compusure are acting solely on behalf of AIG Australia and not as agent of you.

3.5 PROVIDING INSTRUCTIONS TO OUR AUTHORISED REPRESENTATIVE AND COMPUSURE

You may provide instructions to Your Authorised Representative.

Instructions are able to be received by:

• Telephone

• Fax

• Email

• Letter or

• In person

If you need to contact Compusure, contact details are in Section 3.7 on the back page of this booklet.

3.6 IF YOU HAVE A COMPLAINT

Resolving your complaints

We have developed an internal procedure for dispute resolution so that if at any time our products or services have not satisfied your expectations you can contact us.

If your complaint is not satisfactorily resolved you may request to have the matter reviewed by management, who will respond to you within 15 working days.

Contact number for dispute resolution

If you are still unhappy, you may take your dispute to an external dispute resolution scheme for review.

Compusure is a subscriber to the Insurance Brokers Dispute Facility (IBDF). AIG Australia is a member of Insurance Ombudsman Services Limited (IOS). These external dispute resolution schemes can make decisions with which Compusure or AIG Australia are obliged to comply.

A brochure on dispute resolution or further information on IBDF or IOS is available on request from the above contact numbers.

FSG prepared 1 December 2006

3.7 CONTACT DETAILS

Compusure’s contact details are:

Compusure Pty Ltd

21 Conder Street, Burwood NSW 2134

Ph: (02) 9701 6500 • Fax: (02) 9744 7855

ABN: 18 003 162 810 • AFSL No: 239587

Toursafe Travel Insurance

Sales Enquiries

New South Wales PO Box 156, Burwood NSW 1805

Ph: (02) 9701 6500

Fax: (02) 9744 7855

Queensland Ph: (07) 3870 0548

Victoria and Tasmania Ph: (03) 9543 4155

Western Australia Ph: (08) 9286 4755

South Australia Ph: (08) 8373 3713

Freecall Australia wide 1800 252 689

AIG Australia ABN 67007483267 (Incorporated with Limited Liability in the USA) A member Insurance Company of American International Group