Its the unfortunate thing that you really need to read the PDS fully to understand exactly what you are paying for. Every insurance company is different and some are better than others. I look at it like this, in the event of a claim, its the insurance companies position to see how they can get out of paying so its up to you to ensure you comply with the PDS. My brother got his first claim rejected after being insured for 5 years because he did not advise them of some speeding fines that he had prior to taking out insurance with them (AAMI). We argued that if this is there position, we effectivly had no insurrance for those 5 years yet they took the premiums. AAMI elected to refund the premiums. Lucky it was a single vehicle accident and the 5 years of premiums covered 95% of the repair. Moral of the story ---- dont assume
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