ATLAS PHONE GUARD MOBILE PHONE I

12. General Policy Conditions:
a. You may cancel this on the monthly anniversary date of the policy inception date by returning it to us or by giving us advance notice, in writing, stating the date you want it cancelled. Except for premiums which are considered earned upon payment of a claim.

We may cancel this policy by sending your written notice at the address shown in the policy. The notice will state the effective date of the cancellation that ends the policy period

If we cancel for non-payment of premium, we will send you at least 10 days written notice of cancellation. If we cancel for any other reason, we will send you at least thirty (30) days written notice of cancellation.

If this policy is cancelled, you may be entitled to a premium refund. If so, we will send you the refund. The refund will be “pro-rata” (meaning you will pay premium proportionately only for the time the policy was in effect). The cancellation will be effective though no refund has been paid.
b. This policy is void in any case of fraud by you relating to it. The policy is also void if you intentionally conceal or misrepresent a material fact concerning

c. We may examine your books and records as they relate to this coverage at any time during the policy period and up to one year afterward.

d. Coverage under this policy shall apply to “loss” occurring during the policy period shown on the declarations page and further defines on a valid Phone Gard Certificate. The policy period will begin 12:01a.m. standard time on the date shown on the certificate page. We may offer to continue this policy for successive periods at our premium schedules and policy provisions then in effect by mailing to you at the address shown in the policy the renewal certificate together with changes in policy provisions (if any).

The initial policy period shall be the period stated in the certificate and each successive policy period shall be for a like term thereafter.

PREMIUM SCHEDULE

a. Premiums are in AUD$, charged on an annual rate in Australian/New Zealand dollars as follows:

b. Premiums are subject to review every 12 months and may be adjusted by the insurer, on all future policies issued under the program, to reflect existing loss ratio and/or exchange rate
c. This policy is denominated in Australian Dollars as the only currency and is converted by The Atlas Club Inc for use in Australia and New Zealand at current exchange rates.

Underwritten by
ATLAS INSURANCES LTD
a Member company of
AMTRANS FINANCIAL INC of USA

MANAGERS IN AUSTRALIA AND NEW ZEALAND
THE ATLAS CLUB Inc
Box 419, MASCOT, NSW 1460
Box 36187 Northcote Auckland 0748