INSURANCE

Frankston Toyota is here for you with a range of personal and business insurance solutions.

Before making a decision in relation to any of the products featured in this brochure,
please read the Product Disclosure Statement (PDS) for that product.

Toyota Insurance is a division of Aioi Insurance Co., Ltd ("Aioi")

ABN 39 096 302 466, AFSL Number 254489

Aioi is a member of the Toyota Group of Companies. The insurer is Aioi.

MOTOR VEHICLE INSURANCE

Be sure to insure!

Imagine the inconvenience of being without your vehicle. Could you afford costly
repairs, or replacing your vehicle altogether?

At Frankston Toyota we understand that your vehicle is a critical part of your life.
You can choose from two levels of motor vehicle cover:

• Comprehensive, or
• Third Party, Fire and Theft

Our Comprehensive Motor Vehicle Insurance policy will replace your Toyota if it is a total
loss, so long as it is less than 3 years old and it has travelled less than 100,000kms. If your
vehicle is not a Toyota we will replace it with a new vehicle of the same make and model
if it becomes a total loss within the first 12 months of its registration as a new vehicle.

In addition, for all Toyota vehicles covered by the policy, we provide a Genuine Toyota
parts guarantee and a lifetime guarantee on all repairs, provided you remain the owner
of the vehicle.

With Comprehensive cover we can also help you with:

• Car hire for up to 14 days if your vehicle is stolen;
• Emergency travel and accommodation expenses;
• Protection of your 'no claim bonus' if you are not at fault;
• No fault excess benefit with nothing payable if you are not at fault and have
  provided us with full details of the other party;
• Protection of your legal liability and help with legal costs for damage to
  other people's property up to $20,000,000;
• Cover for your personal items in the vehicle up to $500;
• Cover for baby seats and capsules in the vehicle up to $500;
• Transfer of cover if you replace your vehicle;
  Optional windscreen cover and no-claim bonus rating one protection.
  
  Finance Related Insurance
  
  Our insurance products may help to protect you from financial loss and
  personal inconvenience.
  
  We offer insurance solutions to protect your vehicle finance payments if your vehicle
  is stolen or damaged beyond repair, or if you are off work due to illness or accident.
  
  Finance Gap Insurance
  
  Finance Gap Insurance helps protect you from suffering significant financial loss.
  
  If your new vehicle is stolen or damaged beyond repair, there may be a 'gap' between
  its insured value and what you still owe the financier. You may also suffer various
  out-of-pocket expenses while finding a replacement vehicle.
  
  Finance Gap Insurance helps protect you from falling into this gap and suffering a
  financial loss and personal inconvenience.
  
  Finance Gap provides up to $30,000 for the 'gap' between the insured value of your
  vehicle and the amount owed to your financier. It also provides up to $4,000 for
  additional expenses and up to $750 of any new finance establishment fees with
  Toyota Financial Services.
  
  With a simple one-off premium, Finance Gap covers you for the duration of
  your finance contract.

Please note that Finance Gap Insurance does not cover any premiums which
are owed for your comprehensive motor vehicle insurance policy.

You have a choice of 4 cover options:

• Option 1: Up to $30,000 'gap' and up to $4,000 additional expenses
• Option 2: Up to $15,000 'gap' and up to $4,000 additional expenses
• Option 3: Up to $10,000 'gap' and up to $2,000 additional expenses

Option 4: Up to $10,000 'gap' and up to $1,000 additional expenses

Payment Protection Insurance

Protection for you, your family and your way of life

Being off work due to illness or injury is no joke. That's why Toyota Insurance has
designed solutions to help protect you in such uncertain and difficult circumstances.
These can help you to:

• Make your car repayments;
• Keep your car;
• Reduce your financial burden;
• Protect your credit rating; and
• Maintain your income - even if you still get paid whilst you're off work.

We can even help you make your car repayments if you become involuntarily unemployed.

But of course there are worse things that can happen. For example, imagine the
financial impact your death could have on your family. Payment Protection Insurance
contains a 'death cover' option which may give your family additional peace of mind.

We're here to protect both individuals and businesses when you purchase your vehicle.

Payment Protection Insurance - Personal

We can provide protection for your vehicle finance payments in the event of death,
injury and illness or involuntary unemployment.

Generally, no medical examination is required and you have the peace of mind that
in any such event we will make the payments to your financier, even if your salary
continues. However, cover for pre-existing conditions are excluded.

In the event of death, Payment Protection Insurance will pay out your entire vehicle
finance agreement up to a maximum of $100,000.

You have a choice of 4 cover options:

• Option 1: Loan Payout Insurance - Death
• Option 2: Payment Protection Insurance - Injury & Illness
• Option 3: Payment Protection Insurance - Involuntary Unemployment*
• Option 4: You may chose a combination of or all of the above insurances

*Cannot be purchased without Illness and Injury cover option.

Payment Protection Insurance - Business Use

Payment Protection Insurance is available on both consumer and commercial finance
contracts, which means business customers can also benefit from this cover.

Aioi are the insurer of the injury, illness and involuntary unemployment covers
under the policy. CUNA Mutual are the insurer of the death cover component of
the policy. Aioi provide financial services in respect of the death cover under a binder
given to it by CUNA Mutual.

WARRANTY INSURANCE

Extend your new vehicle warranty

Ensure your vehicle is covered in case of mechanical failure long after your
new vehicle warranty has expired.

Factory Approved Extended Warranty Insurance

As a Toyota vehicle owner you can extend your original factory warranty at any
time whilst your car is still within its original 36 month warranty and has travelled
less than 90,000km.

Just like your factory warranty, your vehicle will remain covered in case of mechanical
failure, with all repairs guaranteed using Genuine Toyota parts.

Factory Approved Warranty Insurance also includes additional benefits such as towing,
car hire and accommodation with 1, 2 and 3 year coverage options, capped at your
choice of 100,000kms or 150,000kms.

A low kilometre version of this warranty is also available at a reduced cost.

This product is designed to protect you if you already own a Toyota still within the
Toyota new vehicle warranty. However, our other warranty option may also suit your needs.

Other warranty options:

• Extended Warranty Insurance is also available for non-Toyota used vehicles. Ask at your participating dealership.

Toyota Extra Care has a range of warranty products available at the time you purchase a new or used vehicle. Find our more below.