Why do I need it?
.If your car is damaged in an accident where you’re at fault, having comprehensive motor insurance helps to pay for repairs - or can replace it altogether if your car is written off.
If your car is stolen, comprehensive motor insurance can pay you the agreed or market value, so you can buy another car.
Third party property damage (TPPD) insurance - can cover the costs you may be liable to pay if you are at fault and damage or write off someone else’s car - is also available as a standalone policy. However, if you only have this cover, there’s no cover for any damage to your own car.
What is Motor Insurance?
Motor insurance can cover your motor vehicle against accidental damage and theft. It can also protect you from the financial costs of repairing or replacing another person’s vehicle in an accident where you’re at fault.
Generally you can choose to insure your car for an agreed amount, or for the market value of your vehicle - up to $150,000. Above $150,000 will be considered on referral.
“More than half of Australian drivers (58%) narrowly avoid a car crash at least once a month, while 18% of drivers said they experienced close calls on a weekly basis”
Did You Know?
58,285
Motor vehicles were stolen in 2019.
7 in 10
Cars are stolen with their own keys.
1/5
Car owners risk not having the insurance they need because they don’t read their policy document.
Terms, conditions, limits and exclusions apply to the products referred to above. The information provided here is general advice only and has been prepared without taking into account your objectives, financial situation or needs. You should consider these, having regard to the appropriateness of this advice, and the relevant Product Disclosure Statement, available by calling us on 1300 642 001 before deciding to acquire, or to continue to hold, this product.
Frequently Asked Questions
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Comprehensive Cover - Provides cover for damage to your vehicle and the third parties vehicle following an incident.
Third Party Fire and Theft - Provides cover for your vehicle in the event that your vehicle suffers a fire or theft claim. Cover will also extend to cover damage to any third party vehicle.
Third Party Only - Provides cover for damage to third party vehicles only. It does not cover any damage to your vehicle.
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Market value is when the insurer will provide you with a settlement offer for your vehicle based on the value of the vehicle at the time of the claim.
Agreed value is when the insurer will pay you a fixed settlement amount in the event of the vehicle being written off or stolen.
We recommend insuring for agreed value rather than market value whenever this option is available as a agreed value policy provides certainty in the event of a claim
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Yes although high value and high performance vehicles usually require a specialist underwriter to underwrite the policy.
We have access to a number of underwriters who can offer cover which can include a number of benefits such as:-
• Agreed Value
• Repairer of your choice in the event of a claim
• Automatic replacement vehicle of the same make and model in the event of a total loss
• Finance gap
• Lifetime guarantee of repairs
Once we have the relevant information we can usually obtain a quotation within 24 hours.
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Call us on 07 5438 8991 or click on the contact page on this website and we can do the rest.
Terms, conditions, limits and exclusions apply to the products referred to above. The information provided here is general advice only and has been prepared without taking into account your objectives, financial situation or needs. You should consider these, having regard to the appropriateness of this advice, and the relevant Product Disclosure Statement, available by calling us on 1300 642 001 before deciding to acquire, or to continue to hold, this product.