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CAR INSURANCE - What covers are available?
No two insurance policies are ever the same, so it's important you know what cover suits your needs and your car.
There are three common types of motor vehicle insurance in Australia and National Insurance Brokers has products and solutions to suit all of them. It's important you understand the differences as the costs vary for each tailored car insurance solution.
Comprehensive - Comprehensive car insurance covers the damage incurred to your own vehicle and the other person's vehicle or property. Comprehensive car insurance also covers you for theft and legal costs.
When choosing a comprehensive car insurance policy there are many extras and options to choose from. However, the two we recommend most for everyone looking at comprehensive car insurance are Excess free Windscreen Cover & Hire Car during repairs to get you out of trouble when you need it.
Third Party Property - Third Party Property Insurance covers the damage incurred to other people's property and the legal costs associated but does not cover the damage to your own vehicle.
Third Party Fire and Theft - Third Party Fire and Theft cover is essentially Third-Party Property cover with some add-on features that cover your vehicle against possible fire or theft.
When choosing your insurance solution, National Insurance Brokers will ask you if you wish to insure your motor vehicle for Market Value or Agreed Value.
Market Value is where the insurance provider determines the value of your vehicle at the time of experiencing a loss. In doing this they usually consider the condition of the vehicle, its age, kilometers driven and other factors.
Agreed Value is where the insurance provider and the owner agree on the value of the vehicle at the time of taking out the policy. This value doesn't change throughout the policy period unlike the Market Value option.
Insurance premiums are calculated in many ways. When calculating your premium your insurer may consider some or all of the following factors:
- Coverage Type
- Excess chosen
- Where your car is stored during the day and night
- The age of all drivers
- The driving record and insurance history of all drivers
- The type of vehicle being insured (make, model, year)
- Intended use of the vehicle
- Modifications/Accessories added by the manufacturer or aftermarket
- Coverage Type
- Excess chosen
- Where your car is stored during the day and night
- The age of all drivers
- The driving record and insurance history of all drivers
- The type of vehicle being insured (make, model, year)
- Intended use of the vehicle
- Modifications/Accessories added by the manufacturer or aftermarket
QUESTIONS? JUST ASK
Abbie Wilson
National Insurance Brokers offer no obligation quotations on all their insurance solutions. Contact our office today to discuss all your car insurance requirements.
Happy Driving!
General Advice Warning: This advice is general and does not take into account your objectives, financial situation or needs. You should consider whether the advice is appropriate for you and your personal circumstances. Before you make any decision about whether to acquire a certain product, you should obtain and read the relevant product disclosure statement.
All information above has been provided by the author.
All information above has been provided by the author.
Abbie Wilson, National Insurance Brokers, ABN 22165146789, AFSL 233750
QUESTIONS? JUST ASK
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