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Choose from a range of motor vehicle insurance options and find the cover that’s right for you.
Choose from a range of motor vehicle insurance options and find the cover that’s right for you.
Motor vehicle 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.
When you’re covered by a motor insurance policy, you can generally choose to insure your car for an agreed amount, or for the market value of your vehicle.
The exact cover you can receive depends on the policy that you take out. But to give you an idea, here are some of the benefits a motor vehicle policy may include:
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 all together 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 – which 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.
Commercial motor vehicle insurance
Commercial motor vehicle insurance keeps your business moving with cover to suit you. Whether you need to ensure your different vehicles under one policy – from cars, trailers and caravans to goods carrying vehicles and mobile plant machinery –commercial motor vehicle insurance gets your business back on the road if something does go wrong.
Commercial motor vehicle insurance is suitable for a single business vehicle up to fleets of hundreds. We can help you customise your business motor vehicle insurance policy by choosing between comprehensive, third-party fire and/or theft or third-party only for each vehicle you insure.
Every commercial motor vehicle insurance policy is different. Our brokers can help you compare and tailor a business motor vehicle insurance quote to ensure you are adequately covered.
On her way home from work in Newcastle, Kate was involved in a minor accident with a SUV, which was her fault. While the other car had a minor scratch, her car had some serious damage.
After pulling over, Sylvia contacted her insurance broker who took some details and arranged for her car to be towed and assessed. Because her policy also contained a rental car inclusion, they helped Sylvia arrange a hire car so that she could get to work while her car was off the road.
An assessor contacted her the next day, letting her know that her car could be fixed and that her insurance would cover the cost. They arranged to have it repaired at her smash repairer of choice. While she was waiting for her car to be repaired, Sylvia had access to the rental car – with the cost also covered by her policy.
Each policy is different, but generally your car won’t be covered if it’s:
There are other exclusions which our insurance brokers can outline for you. A deductible/excess may apply.
Our brokers can help you compare motor vehicle insurance and tailor a motor vehicle insurance quote to ensure you are adequately covered.
The 3 main types of car insurance are:
Our brokers can help you compare car insurance and find the best car insurance quote to suit your needs.
Motor vehicle 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.
Our brokers can help you compare car insurance and find the best car insurance quote to suit your needs.
When deciding which type of insurance will suit you, think about whether you can live without your car if it’s written off or stolen. Also consider if you can afford to pay for the damage to someone else’s car if you have an accident.
Comprehensive motor vehicle insurance generally provides the most amount of cover. It will cover you for a wide range of damage caused by an insured event like an accident, theft and weather (like hail, fire and storms including cyclones). Comprehensive motor vehicle insurance can also cover you for any damage to someone else’s car and property. Third-party insurance, on the other hand, only covers damage to another person’s vehicle and property.
We know that navigating the world of insurance can be complex and confusing. Our brokers compare the myriad of insurance options on the market for you, providing expert advice to implement your chosen plan.
The amount you pay each year for insurance is called a premium. Your premium is estimated by how likely it is that you’ll make a claim.
The premium and excess you pay will depend on your policy and on other factors, such as your age. For example, a driver under 25 may have to pay a higher excess. This is because people under 25 are involved in more accidents.
Our brokers can help you compare car insurance and find the motor vehicle insurance quote to suit your needs.
Your cover will depend on your motor vehicle policy. Generally, your car won’t be covered if it’s:
Home insurance can protect you if your home is damaged from fire, theft and more.
Business Interruption Insurance protects your business’ ability to keep on running when unexpected interruptions such as property damage occur.
Farm insurance covers your home and farm buildings, livestock, vehicles, equipment and more.
Call us on 02 4969 8100 or request a call back.
We know that navigating the world of insurance can be complex and confusing. Our brokers compare the myriad of insurance options on the market for you, providing expert advice to implement your chosen plan.
We empower thousands of Australian businesses to focus on what they do best, knowing they’re protected against any possible eventuality.