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So i wonder if this applies to OT then, because its part of my income, if thats the case then im under insured, but i beleive it is not included. However I also receive bonus payments too, but as far as i was aware it was what your base salary is. Also again my super i can be on leave without...

Another trick is make sure you declare if you ride a motorbike.. for those motorbike riders out there!... It is one of the ones that is deemed as a "dangerous sport", like skydiving etc. I declared that i ride road and race track, so if anything happens on either i am covered... just be...