What happens if I can claim from someone else?
If you can claim from anyone else, we will only make up the difference (less applicable excess). If you can make a claim against someone in relation to a loss or expense covered under the policy and you do not get paid the full amount of your claim, we will make up the difference (less applicable excess). You must claim from them first.
Cover is subject to the policy terms, conditions, limits and exclusions in the Product Disclosure Statement (PDS).