Westpac Credit Cards Complimentary Insurance Policy.1 October 2017.

Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714. WBCWCC01INS 1212

Important update to your Westpac Credit Cards Complimentary Insurance Policy.This document is a notice of variation (notice) that updates and amends the Westpac Credit Cards Complimentary Insurance Policy (booklet) with the effective date of 1 October 2017.

This notice is issued by Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714 of 275 Kent Street, Sydney, NSW 2000.

This notice must be read together with the booklet and any other notice that you are given that updates and amends the booklet.

The preparation date of this notice is 11 December, 2017.

Changes to the booklet.This notice amends the booklet by replacing the paragraph appearing under the heading We will not pay if. On page 47 of the booklet with:

We will not pay if the kidnapping occurs in the countries or territorial waters of Mexico, the Philippines, Somalia or in any country (or their territorial waters) located in Central America or South America.

In all other respects the booklet remains unaltered.

The Insurer is:

Allianz Australia Insurance Limited ABN 15 000 122 850, AFSLicence No. 234708 of 2 Market Street, Sydney NSW 2000. Telephone 13 26 64

Claims and enquiries. You can contact Allianz Global Assistance for claims and enquiries using the contact details below.

Online: Lodge your claim, 24 hours a day, 7 days a week at insurance.agaassistance.com.au/westpac

Phone: 1800 091 710, 8am to 8pm AEST, Monday to Friday, and 8am to 5pm AEST, Saturday (within Australia)

E-mail: travelclaims@allianz-assistance.com.au

24 Hour Emergency Assistance.

Allianz Global Assistance

Within Australia: 1800 227 773

Reverse charge from overseas: +61 7 3305 7468

Policy number.If youd like to make a claim, please refer to the instructions at insurance.agaassistance.com.au/westpac

Product Policy

Overseas travel insurance for persons up to and including 80years of age

WP01000001-00

Interstate flight inconvenience insurance

WP01000002-00

Transit accident insurance WP01000004-00 Purchase security insurance WP01000005-00 Price guarantee cover WP01000006-00 Extended warranty insurance WP01000007-00 Rental vehicle excess in Australia insurance

WP01000009-00

Allianz Global Assistance will also respond to requests from Westpac cardholders seeking a policy number by providing a letter which sets out:

(a) the Westpac Cards Insurances policy number; and

(b) the eligibilitycriteria.

http://insurance.agaassistance.com.au/westpacmailto:travelclaims@allianz-assistance.com.auhttp://insurance.agaassistance.com.au/westpac

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ContentsImportant information about the insurances and priceguaranteecover. ........................................................................... 4

Other Insurance. ........................................................................................5

Sanctions. ..................................................................................................... 6

Termination of these covers. ............................................................... 6

Privacy. .......................................................................................................... 6

General Insurance Code of Practice. ................................................8

Complaints and dispute resolutionprocess. ................................8

Definitions and interpretation. ........................................................... 9

Excess what you contribute toaclaim. .....................................16

Repairing or replacing damaged property/ personal goods. .......................................................................................16

Safety of your property/personalgoods. ....................................18

Reporting lost, stolen or wilfully damaged property/personal goods. .......................................................................................18

Pre-existing medical conditions. ......................................................19

Enquiries. .....................................................................................................21

Emergency and medical services whilst overseas (Overseastravelinsurance). ...............................................................21

Documents to take with you when you are travelling overseas (Overseas travelinsurance). ..........................................22

Insurance exclusions what is notcovered. ..............................23

Claims procedures. ................................................................................26

Subrogation and you assisting us with your claim. ................28

Fraudulent claims. ..................................................................................28

Overseas travel insurance policy for persons up to and including80yearsofage. ..................................................................28

Part A The limits that apply and a summary of the cover. ..............................................32

Part B The cover we provide. ......................................... 36Purchase security insurance policy................................................47

Extended warranty insurance policy. ...........................................48

Price guarantee cover.

(Black card, Platinum Plus card & Platinum A card cardholdersonly) 49Interstate flight inconvenience insurancepolicy.

(Black card, Platinum Plus card & Platinum A card cardholdersonly) 49Rental vehicle excess insurance in Australiapolicy.

(Black card, Platinum Plus card & Platinum A card cardholdersonly) ......................................................................52Transit accident insurance policy. ..................................................52

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Important information about the insurances and priceguaranteecover.This document contains your Westpac Credit Cards complimentary insurance benefits. The complimentary insurance benefits are only available to cardholders of the following eligible Westpac credit cardaccounts:

Black cards Altitude Black credit card (including Altitude Qantas Black); and

Earth Black credit card

Platinum Plus cards Earth Platinum Plus credit card;

Altitude Platinum Plus credit card (including Private Bank Altitude Platinum Plus credit card); and

Altitude Qantas Platinum Plus credit card (including Private Bank Altitude Qantas Platinum Plus credit card)

Platinum A cards Singapore Airlines Westpac Platinum credit card; and

55 Day Platinum credit card

Platinum B cards Earth Platinum credit card;

Altitude Platinum credit card (including Altitude Qantas Platinum)

Gold cards Singapore Airlines Westpac Gold credit card;

55 Day Gold credit card; and

Private Bank Gold Mastercard credit card

The complimentary insurance benefits apply to events which occur on or after 1 October 2017.

Not all insurance covers are available for all Westpac cards or all cardholders and different conditions may also apply for different cardholders, so please refer to each section in this document to determine the insurance benefits that apply. These covers are available under a Group Policy issued to Westpac Banking Corporation ABN33007457141 AFSL and Australian credit licence 233714 (Westpac), of 275 Kent Street, Sydney, NSW 2000 by AWP Australia Pty Ltd, ABN52097227177, AFSL245631, of 74 High Street, Toowong, QLD 4066 (Allianz Global Assistance) under a binder from the underwriter, Allianz Australia Insurance Limited,

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ABN15000122850, AFSL234708, of 2 Market Street, Sydney, NSW 2000 (Allianz). For general enquiries call Allianz Global Assistance. Allianz Global Assistance issues and manages the Group Policy on behalf of Allianz. In this document, Allianz and Allianz Global Assistance may also be expressed as we, us and our.

Although the benefits under the covers are automatically provided to cardholders, cardholders are not obliged to take these benefits. However, if a person wishes to claim these benefits, they will be bound by the Definitions, Terms and Conditions, Exclusions and Claims Procedures of the policies as set out in this booklet. Therefore please read this document carefully and keep it in a safe place. Please also keep detailed particulars and proof of any loss including the sales receipt and eligible credit card account statement showing anypurchases.

Allianz is the underwriter of the policies detailed in this document and these benefits are provided at no additional cost to the cardholder. Westpac is not the product issuer (insurer) of these policies and neither it nor any of its related corporations guarantee any of the benefits under these covers and Westpac does not receive any commission or remuneration in relation to these benefits. Neither Westpac nor any of its related corporations are Authorised Representatives of Allianz or Allianz Global Assistance or any of their related companies.

Other Insurance.The insurance cover described in this booklet is provided for your benefit under the policy entered into between Allianz and Westpac. Westpac is the policy owner. As an eligible cardholder, you have the benefit of insurance cover as a third party beneficiary.

If you are entitled to receive a benefit or make a claim under another insurance policy (Other Policy) (for example, a comprehensive travel insurance policy for your journey), in respect of th