Motor Vehicle Quote

MOTOR VEHICLE COVER

Motor Vehicle Cover

We now have a dedicated Retail Division to help you place and manage your retail insurance such as home and contents, motor vehicles, boats, caravans, motorhomes, motor bikes and domestic farms.

Motor vehicle insurance offers a range of different styles of cover and Austbrokers Coast to Coast can assist in making the right choice and delivering a personalised claim service in the event of an accident.

Austbrokers Coast to Coast  has a special arrangement with Allianz Australian Insurance Limited to be able to offer you the superior "AIMS" policy at very competitive rates.

As per the Insurance Council of Australia, there are four types of motor vehicle insurance: Compulsory Third Party (CTP) Insurance; Comprehensive Insurance; Fire and Theft Only; and Third Party Property Only.

  • CTP is mandatory in all States and Territories and provides compensation for bodily injuries caused by vehicles. It does not provide cover for any damage to the vehicle and therefore other forms of motor vehicle insurance should also be purchased.

  • Comprehensive Insurance can cover damage to vehicles, theft of vehicles, collision, malicious damage and weather damage. Depending on the policy, it can cover damage caused to other vehicles.

  • Fire and Theft Only is a limited form of insurance that only covers for fire damage to, and theft of, vehicles. It does not cover collision damage to vehicles.

  • Third Party Property Only provides cover for vehicles damaged by the policyholder's vehicle. It does not provide cover for the policyholder's own vehicle. This product is generally only taken out by consumers with a low value vehicle, protecting themselves against damage to other motorists.

How are insurance premiums for vehicles calculated?

Each insurance company approaches premium calculation in a unique way, giving rise to a great deal of competition.

Many factors are considered including (but not exclusively):

  • The location where the car is stored overnight or during the day.
  • The age of the driver (insurers have exemptions from discrimination law for some issues).
  • The claims history and driving record of the driver.
  • The type of vehicle being insured.
  • The intended use of the vehicle - eg, Private or Commercial use.
  • The value of the vehicle.

Other things you need to consider before taking out motor vehicle insurance:

  • Your insurer needs to be told about modifications or accessories added to the vehicle.
  • You need to disclose particulars of every matter that is relevant to the decision of the insurer to offer you cover and as may be requested by the insurer, such as past traffic offences, fines, loss of license and criminal history. The insurer has a right to know and will typically factor this in to the risk you present under an insurance policy. In the event of a claim you may not be covered if you do not disclose this information.
  • You have the same duty of disclosure each time the policy is renewed. If your circumstances or the details of the vehicle have changed since the last renewal you must inform them
  • In some cases it will be necessary to name and provide details (age etc) for all of the drivers of the vehicle, claims may not be paid for other drivers who are unlisted.
  • Don't purchase by price alone - Look for a product that is most suitable for your circumstances and needs .
  • Check what you are buy - Read the Policy Document and Product Disclosure Statement carefully.

Get a Motor Vehicle Quote

Your Details:

Vehicle Details:

Driver Details:

Your Cover Requirements:

Hire car after theft is automatically included

please note items and their value

Your Insurance History for the Last Five Years:

Please provide details here including the date, cause and amount of claim

Notice to Intending Insured
The Insurance Contracts Act 1984 came into operation on the January, 1986. The provisions of the Act are very important to all parties to any contract of insurance or proposed contract of insurance (‘the contract”). Some of them require Insurers to provide certain notices, documents and information to the Insureds. After reading this, if any matter relating to the policy wording or proposal is unclear to you or you have any questions at all in relation to the insurance, please contact us for an answer or explanation as soon as possible.

Your Duty of Disclosure
Before you enter into a contract of general insurance with an Insurer, you have the duty, under the Insurance Contracts Act 1984 to disclose to the Insurer every matter that you know or could reasonably be expected to know, is relevant to the Insurer’s decision whether to accept the risk of the insurance and if so, on what terms. You have the same duty to disclose those matters to the Insurer before you renew, extend, vary or reinstate a contract of general insurance.

Your duty, however, does not require disclosures of matter:

1. that diminish the risk undertaken by the Insurer;

2. that is common knowledge;

3. that your Insurer knows, or in the ordinary course of his business, ought to know; and

4. as to which compliance with your duty is waived by the Insurer.

Consequence of Non Disclosure
If you fail to comply with your duty of disclosure, the Insurer may be entitled to reduce its liability under the contract in respect of a claim or may cancel the contract. If your non disclosure is fraudulent, the Insurer may also have the option of voiding the contract from its beginning.

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