Hi, Hello and welcome. I'm Chip Sharp. Let's play Insure This! if you haven't played before,
this is a product disclosure statement or a PDS. And in it, we've got all the juicy
details for what you're covered for and what you're not covered for. In the event you need
car insurance to cover something. Now chances are you haven't read this. So we're going
to play a little game. Today, we're taking it to the streets with five possible scenarios
where you may or may not be covered if you get into some trouble. Can you guess what's
going to void your car insurance? Welcome to Insure This!
Let's kick it off with number one. Now our young driver Matty here is enjoying a long
ride down the highway to meet up with an old friend But he's not going to do it on an empty
stomach. He thinks about parking his car in the fast food driving lot, but he's already
running late, enterprising young man he decides to eat on the go. Now, if he were to get into
an accident, do you think he's insured? I'll give you some time to think. Technically it
is okay to drive and eat. But as you can see, it can still be very dangerous, especially
if you get the extra sauce.
Let's move on to number two. It's another 10 hours on Matty's trip from Sydney to Melbourne.
sounds boring, right? Lucky for him, he's got the extended edition of The Lord of the
Rings trilogy. Now, young Matty is not an idiot. He's got a hands free cradle so at
least he's not touching his phone, right. The question is, Is he still covered if he
runs in to a tower or two? Pro tip. Don't watch movies while you're driving. It's still
illegal if your phone is cradle. Even if you really want to know if Gandalf survived that
battle with the Balrog, you're gonna have to wait. Next. Despite the lateness young
Matty is nearly at his mates house when he receives a short text. Now Matt is a good
friend. So of course he responds to the text quickly, even though he's still driving. Is
he covered? No, don't touch your phone Matty. Phone usage laws vary state to state but it's
pretty much always illegal to touch your phone while you're driving.
Young Matty has finally arrived in Melbourne only to find war has broken out between Victoria
and South Australia.
So if Matty's vehicle gets damaged in a war zone is he still covered?
Nope, you're on your own if war were declared. My advice to you if you're playing at home
is to try to avoid war zones while you're driving.
Remember this little tip,
if there's war coverage in your area, there likely isn't coverage on your car. Now let's
move to one final tricky scenario. Young Matty has been drafted by the Victorian Government
and is now smuggling a prototype nuclear weapon across the South Australian border. Unfortunately,
it's over the max weight capacity of his vehicle, which eventually destroys the chassis.
Is he covered?
As it turns out, Matty is not covered.
One, war is still happening. Two he's over the legal weight limit that he can carry.
And three he's carrying nuclear materials. Any of the three of these would actually avoid
his insurance. He really should read that PDS
you might have noticed that generally,
if it's illegal,
your insurance won't cover you if you get into crash. While we're at it, these things
also aren't covered.
But seriously, folks, if you're doing anything to distract yourself or impair your driving
and you get in an accident, you probably aren't covered. So drive safely and do the right
thing. Then you'll always have peace of mind. Thanks for playing ensure this. How many did
you get right? Let us know in the comments below. If you want to know more about car
insurance, click the link. And remember, check your PDS and don't go starting any wars. I'm
Chip Sharp.
Transcribed by https://otter.ai