Membership terms and conditions

This Policy Document sets out the terms, conditions, exclusions and claims procedures that apply to membership cover provided through SRTC Group Inc., trading as Stallion Rideshare and Taxi Cover ("the Association", "Stallion"). It applies to all members across both the Standard Plan and the Dash Cam & GPS Plan, except where a clause states otherwise. This document should be read together with the member's Certificate of Cover and Membership Agreement.

1. Excess Structure

• There is no cover for damage caused by drivers under 21 years of age, or by any uninsured or unlisted driver.
• A third at-fault or disputed accident within the same 6-month period is not covered.
• Claims must be lodged within 48 hours of an accident or incident, and any applicable excess paid within 72 hours of the claim being lodged. Information submitted outside these timeframes - particularly after third-party correspondence has begun - may not be accepted.
• Full name and current address of the other party involved must be provided to lodge a claim. Where these details cannot be supplied, the applicable excess(es) will still apply.
• If a vehicle is towed by council or another authority, the member must notify the Association and provide the tow notice by the next working day. Failure to do so may result in a daily storage and administration charge of $100 + GST to the member.

2. Membership Term, Billing and Early Termination

• The Dash Cam & GPS Plan has a minimum membership term of 12 months, billed monthly by direct debit. The Standard Plan is available on a month-to-month basis; billing may also be arranged annually on request.
• Where a member on a fixed term elects to end their membership within that term and has any at-fault accident history, the member remains liable for the remaining premium balance for the rest of the term.
• Vehicle sale: on proof of sale, membership cover for that vehicle is cancelled immediately, and no further premium is payable from the date of sale.
• Total loss - not at fault: monthly premium continues until the claim is settled.
• Total loss - at fault: settlement is based on the market value of the vehicle less any applicable excess. A total loss excess of $500 applies in addition to the standard excess. Settlement timeframes typically range from 4 to 8 weeks, and the remaining premium for the current fixed term (where applicable) remains payable.

3. Replacement Vehicle

A replacement vehicle is provided only for not-at-fault accidents, where the third party has supplied a valid claim number and their insurer has accepted liability. If liability is later withdrawn or declined by the third-party insurer after a replacement vehicle has been provided, the member becomes responsible for the cost of that replacement, including any weekly rental charges incurred.

4. Disputed Accidents

Where both parties to an accident claim not to be at fault, the claim is treated as disputed, and the applicable excess must be paid before repairs begin. Disputed matters are referred to the Association's legal representatives, whose assessment is final and binding. A member who does not cooperate with this process may forfeit their right to claim under this policy.

5. Hit and Run

Where the details of the other party involved are unknown, the claim is treated as disputed and all relevant excess apply.

6. Police Involvement

Where an accident involves suspected criminal conduct, the matter is referred to police and the Association will act on the resulting report. Members and drivers must cooperate fully with any police investigation; the applicable excess still applies.

7. Drink and Drug Driving Exclusion

No cover, repairs, replacement vehicle or related benefit is provided where an accident occurs while the vehicle is driven under the influence of alcohol or drugs, or over the legal blood alcohol limit - regardless of whether a third-party insurer accepts or later declines liability. All resulting costs are borne by the driver or member.

8. Roadworthy Condition

Members must keep their vehicle in a safe and roadworthy condition at all times, including tyres meeting legal tread depth and brakes in full working order. The Association accepts no responsibility for loss, damage or incidents arising from a failure to maintain the vehicle to this standard.

9. Theft

A police report is required for any theft claim. Settlement will not proceed until the vehicle is recovered and the police investigation is complete.

10. Accident Investigation

All claims are subject to review by an independent assessor. Where an accident is found to have been staged or intended to obtain an improper claim benefit, the claim will be declined and the Association bears no liability in relation to it.

11. Fire Damage

Fire damage is not covered where an independent assessor determines the cause was mechanical failure or driver negligence - for example, continuing to operate the vehicle despite a rising temperature warning, or poor workmanship by a repairer.

12. Personal Injury and Valuables

This membership does not cover personal injury or the loss of personal valuables left in the vehicle.

13. Engine and Transmission Damage

Engine and transmission damage is covered only where functionality is lost immediately as a direct result of an accident impact. Damage arising afterward - for example, from continuing to drive the vehicle after a coolant leak, or other continued operation that causes further mechanical damage - is excluded.

14. Towing Costs

For at-fault or disputed claims, the Association covers towing costs for distances up to 100 kilometres from the Melbourne CBD. Any distance beyond this is at the vehicle owner's or driver's expense.

15. Minor Electrical and Non-Critical Faults

Minor faults are electrical, electronic or mechanical issues that do not affect the vehicle's core functions - starting, driving, steering, braking or safe road use - whether arising independently or from an accident. The Association will make reasonable efforts to assist with these but cannot guarantee rectification, particularly for imported vehicles where parts, compatibility or pre-existing conditions may limit repair options.

16. Repairer - No Choice of Repairer

Members do not have a choice of repairer. Following an accident, repairs must be carried out at the Association's approved panel shop, Nationwide Collisions, Coburg. If a member has repairs carried out elsewhere, the Association will not process the claim, will not cover any related repair cost, and may cancel the membership immediately without reimbursing premiums already paid.

17. Windscreen Cover

Windscreen damage is covered only where it results directly from a collision.

18. Loss of Income

Loss of income applies only to not-at-fault accidents, where either a replacement vehicle is provided or, in cases where a replacement vehicle is not applicable, once GST and tax records or other documents requested by the Association's legal representatives have been supplied.

19. Repair Time and Parts Delays

Repair timeframes are estimates only and depend on parts availability. Imported vehicles may take longer where parts must be sourced overseas. The Association is not responsible for delays caused by parts availability or supply-chain issues.

20. Premium and Excess Review

At the completion of an initial 12-month term, the Association may review and adjust the premium and/or excess at its discretion.

21. Court Hearings and Cooperation

Where a matter proceeds to court, both the driver and vehicle owner must sign any required documentation and attend hearings as directed. Failure to cooperate releases the Association from any obligation to progress the claim.

22. Recovery of Excess After Fault Determination

Where an excess was paid up front because fault was disputed - including hit-and-run and similar cases - that excess is reimbursed to the member only once the amount has been recovered from the at-fault party.

23. Association-Owned Equipment & Security Deposit (Dash Cam & GPS Plan)

• On joining the Dash Cam & GPS Plan, the member pays a refundable equipment security deposit of $300, in addition to their monthly membership premium, for the dash cam and GPS tracker installed in their vehicle.
• The dash cam and GPS tracker remain the property of SRTC Group Inc. at all times during the 12-month minimum term, unless ownership of the dash cam transfers to the member under this clause.
• The GPS tracker remains the property of SRTC Group Inc. at all times and must be returned to the Association if the member terminates their membership, under any circumstances, regardless of which option is elected for the dash cam below. A member who wishes to own the GPS tracker must contact the Association directly - ownership of the GPS tracker may only be arranged with the Association's agreement and payment of a separate fee to be advised.

Members must not remove, disable, tamper with, or interfere with the operation of Association-owned equipment. Doing so may void cover and result in the member being charged the full replacement cost of the unit.

Early Termination - Return or Buy-Out of Equipment

Where a member terminates their Dash Cam & GPS Plan membership before completing the 12-month minimum term, the GPS tracker must always be returned to the Association. One of the following two options then applies to the dash cam:

• (a) Return the dash cam: the member returns the dash cam, together with the GPS tracker, to the Association in good working order at the same day of the termination date. Once the Association confirms both devices have been returned undamaged, the security deposit is refunded in full and no further monthly subscription installment are payable for the remaining balance of the unexpired term.
• (b) Pay out the remaining term and keep the dash cam: the member may instead elect to keep the dash cam only, by paying the outstanding monthly subscription installment for the balance of the unexpired 12-month term in full. The GPS tracker must still be returned to the Association in this case. For example, if a member terminates after 6 months of a 12-month term, the remaining 6 months' subscription must be paid to own the dash cam. Once this balance is paid and the GPS tracker is returned, ownership of the dash cam transfers to the member and the security deposit is refunded in full.
• Where a member neither returns the equipment nor pays out the remaining balance within 2 days of the termination date, the equipment remains the property of SRTC Group Inc., the security deposit is forfeited (or applied against the outstanding balance), and the Association may recover the unit(s) and/or charge the member the full replacement cost.
• This clause governs the return or buy-out of equipment on early termination. It does not affect a member's separate obligation under Section 2 (Membership Term, Billing and Early Termination) to pay any outstanding premium balance linked to at-fault accident history.
• Where a member completes the full 12-month minimum term without terminating early, continued use of the equipment is subject to the terms of the renewed Membership Agreement.

24. General

• This Policy Document does not itself constitute a Certificate of Cover - refer to your Certificate of Cover for your specific membership, vehicle and excess details.
• SRTC Group Inc. accepts no responsibility for any inadvertent error or omission in preparing or issuing this document.
• This document may be updated from time to time; the version current at the date of a claim or incident applies.

Contact

SRTC Group Inc.
contact@stallions.org.au
19 Irene Avenue, Coburg North VIC 3058