Operational Excellence Insurance Premium Membership

Premium Entitlements

Road Service 

Road Service Call-out limits

Premium members have unlimited road service call outs.

Metro

For breakdowns anywhere in the Metropolitan Patrol Service Area an Operational Excellence Insurance Service Provider will attend free of charge in an attempt to mobilise the vehicle and/or towed unit.

Regional

For breakdowns outside of the Metropolitan area, free service and towing benefits will be calculated from the location of the designated Operational Excellence Insurance Regional Service Depot. Road Service will be provided by the designated Operational Excellence Insurance Regional Service Depot for that location. Free service is limited to breakdown locations within the following distances from the designated Operational Excellence Insurance Regional Service Depot:

• Premium: 200 km (400 km round trip)

Battery replacement / Jump Start

If the vehicle will not start because of a flat battery, the Operational Excellence Insurance Service Provider will assess the battery and provide a jump-start if appropriate. If necessary, we offer a free battery delivery and installation service for Operational Excellence Insurance members. 

• Premium members receive an $11 discount on our extensive range of batteries.

Lockout Services

If your keys have been locked in your vehicle we will do  our best to retrieve them.  If a locksmith is required we will arrange a call out and contriubte to the cost.

• Premium members receive a subsidy of $165 for the locksmith call out.

Out of fuel/LPG

If the vehicle has run out of fuel, we may provide, at your cost, sufficient fuel to enable you to drive to the nearest fuel outlet. For any fuel other than unleaded, or if the Operational Excellence Insurance Service Provider is unable to supply fuel at the roadside, you will be offered a tow, using standard towing equipment, within the towing limitations of your Road Service product. Additional Premium and Plus benefits will not apply. This applies to all levels of Road Service.

Towing 

Towing

If we are unable to get the vehicle going, we will arrange for the vehicle to be towed to a place of safety or repair. Towing is only provided for mechanical or electrical breakdowns. We do not cover the towing or recovery of bogged vehicles and/or towed units. Towing or recovery of bogged vehicles and/or towed units may, however, be provided at your expense. Free towing is limited to the distances specified below, where towed unit is under 3 tonne. Excess kilometres must be paid by you at the time of the tow.

Metro

Towing, in any direction from the breakdown location by standard towing equipment up to:

•  Premium: 50 km

Regional

Towing, by standard towing equipment back to the designated Operational Excellence Insurance Regional Service Depot up to distances of:

• Premium: 200 km (400 km round trip)

Towing in any direction from the Breakdown location or from the attending Operational Excellence Insurance Regional Service Deport, per incident:

• Premium the lesser of a distance of 50km or to a value of $300

The tow must be taken at the time of the breakdown. 

Towing Benefits are only available using Standard Towing Equipment, which is any towing equipment legally able to safely tow a Vehicle with a gross mass of up to 3 tonnes, maxium height of 2 metres, maxium length of 5.5 metres, maxium width of 2.3 metres and/or wheel span of 1.8 metre. 

Taxi

If your vehicle is eligible for towing benefits, Operational Excellence Insurance will pay for Taxi Service immediately after the provision of Road Service from the location of the breakdown.

Premium: up to $55 per year

Heavy or oversize vehicles and/or special towing equipment

We will attempt to arrange towing on your behalf when the vehicle or caravan, trailer or recreational mobile home cannot be towed under the normal towing limitations. Normal towing limitations apply to the provision of this benefit and, with the exception of recreational mobile homes, are limited to 4 tonnes. Excess costs must be paid to the service provider by you at the time of the tow. The maximum we will pay per year for the cost of special equipment towing is:

• Premium up to $220

Caravans/Trailers - Where the Vehicle breaks down

If you're towing a caravan, trailer, horse float or something similar and your vehicle breaks down, we may provide towing Benefits for the Vehicle and the Towed Unit, as long as each unit is under three tonnes and doesn't need Special Towing Equipment. Towing Benefits aren't available for bogged Towed Units.

Metro

Towing, in any direction from the Breakdown location, up to distances of, per incident:

• Premium: up to 50 km

Regional

Towing back to the disgnated Operational Excellence Insurance Regional Service Depot up to distances of, per incident:

• Premium: up to 200 km 

Towing in any direction from the Breakdown location or from the attending Operational Excellence Insurance Regional Service Depot, per incident:

• Premium: the lesser of a distance of 50km or to a value of $300

The tow must be taken at the time of the Breakdown. 

Second tow

When the vehicle cannot be towed to your nominated repairer at the time of breakdown, a second tow will be provided within 14 days of the first Road Service tow and/ or Vehicle Recovery for the vehicle only.

• Premium: up to 20 km

Away From Home Benefits - 100km

If you breakdown more than 100 km from home and Operational Excellence Insurance Road Service is unable to repair the vehicle, Premium Members may be provided with Away From Home Benefits.
Different benefits apply to different breakdown scenarios, as follows:

• If the vehicle can be repaired within 48 hours by a qualified mechanic - Emergency Benefits may apply
• If the vehicle CANNOT be repaired within 48 hours by a qualified mechanic - Stay and Repair  or Vehicle and Passenger Recovery benefits may apply
• If you are without a car overnight due to an accident or theft - Accidents or Stolen Vehicles  benefits may apply
• If the vehicle has become immobilised due to puncture - Wheels/Tyres  benefits may apply.

Emergency Benefits

Conditions 

Emergency Benefits apply if:

• You have broken down more than 100 km from home; and
•  We have provided Road Service but due to a mechanical or electrical failure we could not get you mobile; and
•  A qualified mechanic can repair the vehicle within 48 hours.

Incorrect fuel or missing keys

If you are 100 km from home and the vehicle you are driving is:

• Immobilised due to incorrect fuel, or
• The keys have been lost, damaged, stolen or locked in the car only the Emergency Benefits and Locksmith Subsidy apply.

Accommodation

Accommodation benefits apply for you and up to four passengers if you stay in the area of the breakdown whilst the vehicle is being repaired.
This benefit covers the cost of the room only. Food, drink, phone calls, damage, etc are not covered. The maximum we will pay for accommodation is:

• Premium: up to $130 per night for up to two nights

Hire car

We’ll pay a hire car benefit that covers the daily rental rate. 14

• Premium: up to $110 per day for up to two days

Stay and Repair

Conditions 

Stay and Repair benefits apply if:

• You have broken down more than 100 km from home; and
• We have provided you Road Service but due to a mechanical or electrical failure we could not get you mobile; and
• A qualified mechanic cannot repair the vehicle you are driving within 48 hours.

If you are eligible for the Stay and Repair benefit but do not wish to take it, you may take the Vehicle and Passenger Recovery benefit instead.

Accommodation

Accommodation benefits apply for you and up to four passengers if you stay in the area of the breakdown while the vehicle is being repaired. This benefit covers the cost of the room only. Food, drink, phone calls, damage etc are not covered. The maximum we will pay for accommodation is:

• Premium: up to $130 per night for up to five nights

Hire Car

If you have opted for local accommodation the following hire car benefits also apply: 

• Premium: a hire car may be provided for up to $110 per day for up to five days. A hire car may be provided for up to seven days where the vehicle is to be repaired locally and you elect to continue your journey to your destination or return home (up to $110 per day). No other benefits apply.

Caravan to be repaired

If your caravan has broken down due to a mechanical or electrical failure and you qualify for Stay and Repair benefits we’ll pay up to:

• Premium: $130 per night for up to five nights

Vehicle and Passenger Recovery

Conditions 

Vehicle and Passenger Recovery benefits apply if: 

• You have broken down more than 100 km from home; and
• We have given you Road Service but due to a mechanical or electrical failure we could not get you mobile; and
• A qualified mechanic cannot repair the vehicle you are driving within 48 hours.

In this option we will pay for the vehicle to either be transported back to your home or to the intended destination of your journey. Vehicle recovery is not applicable once the vehicle has been repaired. Weight and dimension limitations apply.

If you are eligible for the Vehicle and Passenger Recovery benefit but do not wish to take it, you may take the Stay and Repair benefit instead.

Passenger transport

We will arrange and pay for you and up to four passengers to be transported back home or to your destination.

• Premium: transport by air or coach. We will provide air fares up to a maximum of $550 per incident

Accomodation

Accommodation benefits apply for you and up to four passengers, once the transportation of the vehicle has been organised and you are awaiting alternative transport to your home or destination. This benefit covers the cost of the room only. Food, drink, phone calls, damage etc are not covered. The maximum we will pay for accommodation is:

• Premium: up to $130 per night for up to five nights

Pet recovery

If you are eligible and choose to take the Vehicle Recovery benefit, we will arrange and pay for the recovery of your animal(s) back to your home or to your intended destination.
The maximum we will pay for pet recovery is:

• Premium: up to $220

This benefit applies to domestic pets only and does not cover animals used for commercial purposes.

Accidents or Stolen Vehicles

Conditions

These benefits apply if:

• The accident/theft occurred more than 100 km from home; and
• You are without the vehicle overnight after an accident (including windscreen damage), water damage, vandalism, fire or theft, irrespective of whether or not the vehicle is insured.

Accommodation

Accommodation benefits apply for you and up to four passengers. This benefit covers the cost of the room only. Food, drink, phone calls, damage etc are not covered.
The maximum we will pay for accommodation is:

• Premium: up to $130 per night for up to two nights

Hire Car

Our Hire Car benefit covers the daily rental rate to a maximum of:

• Premium: up to $110 per day for up to two days

Wheel/Tyre (Space Saver Spare)

Conditions

These Wheel/Tyre benefits apply if:

• You are more than 100 km from home; and
• The vehicle you are driving is immobilised due to a puncture; and
• The spare to be fitted is a standard manufacturer supplied space saver spare; and –
  • the punctured tyre can’t be repaired on the same day locally; or 
  • the nearest puncture repair facility exceeds the distance to be travelled using the space saver spare as recommended by the manufacturer; or –
  • the vehicle is fitted with a Gel Repair Kit only and the tyre cannot be repaired using the Gel Repair Kit.

Accommodation

Accommodation benefits apply for you and up to four passengers while your tyre is being repaired. This benefit covers the cost of the room only. Food, drink, phone calls, damage etc are not covered. The maximum we will pay for accommodation is:

• Premium: up to $130 per night for up to five nights

Vehicle and Passenger Relocation

We’ll pay to get the vehicle to the nearest puncture repair facility. Weight and dimension limitations apply. Transport for you and up to four passengers will be provided by coach.