What information is contained in a PDS?
The information varies between products, but a PDS will generally explain the following areas.
Product eligibility
The PDS may contain requirements relating to:
the type of vehicle or asset;
its make and model;
age at the time the warranty is purchased;
kilometres or hours travelled;
purchase method;
current condition;
existing manufacturer or dealer warranty;
permitted modifications;
personal or business use; and
service and maintenance history.
Meeting the basic age or kilometre requirement does not automatically mean every product will be available. Other vehicle, asset and product rules may apply.
The PDS explains when the warranty begins.
Depending on the product and purchase method, cover may begin:
when an existing manufacturer’s warranty expires;
when a dealer statutory warranty expires;
on a date shown in your warranty schedule;
after an applicable waiting period; or
once specified purchase and eligibility conditions have been met.
Check the commencement date shown on your warranty schedule before relying on the cover.
Covered components
The PDS identifies the parts or systems that may be covered.
Depending on the warranty, this may be structured as:
cover for specifically listed components;
cover similar to the original manufacturer’s warranty, subject to stated exclusions; or
different component lists for each product level.
Do not assume that a component is covered merely because it forms part of the vehicle or asset. It must satisfy the applicable definitions and warranty terms.
Claim limits
The PDS explains the maximum assistance available.
Limits may include:
a maximum amount for each claim;
different limits for different components;
a total benefit limit for the warranty term;
a maximum based on the asset’s market value;
limits on additional benefits; and
amounts you may need to pay yourself.
A warranty advertised as allowing unlimited claims can still have individual claim limits and an overall benefit limit.
Exclusions
The PDS explains the parts, failures, events and costs that are not covered.
Depending on the product, exclusions may relate to:
pre-existing faults;
normal wear or deterioration;
routine servicing and maintenance;
consumable items;
cosmetic damage;
accidental damage;
corrosion or environmental damage;
misuse, neglect or overloading;
unauthorised modifications;
competition or prohibited use;
consequential loss;
repairs started without authorisation; and
failures connected with missed servicing.
Always review the complete exclusions section rather than relying on a short website summary.
Servicing and maintenance
Regular servicing is generally an important condition of warranty cover.
The PDS may require you to:
follow the manufacturer’s service schedule;
service the vehicle or asset at specified time, kilometre or hour intervals;
use a licensed or appropriately qualified repairer;
retain itemised service invoices;
record odometer or operating-hour readings;
complete recommended maintenance; and
provide service records when making a claim.
Your warranty may be affected if these requirements are not met.
The claims process
The PDS explains how to report a failure and request assistance.
You should not approve diagnosis, dismantling or repairs until the claims administrator has assessed the matter and provided the required authority. Integrity’s published claims process also instructs customers to contact it before authorising repairs and to provide relevant diagnosis and service information.
