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Cover Options & Optional Extras Q&A

Important note:

The following questions are to be used as a reference guide only and do not substitute or replace your insurance contract, the PDS or Certificate of Insurance.


What is an ‘agreed value’?

The agreed value of your car is the amount we agree to insure your car for. The agreed value is valid for the term of your car insurance policy. The agreed value for your car is shown on your current Certificate of Insurance. This amount may change with each renewal.

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What is ‘market value’?

The reasonable market-related value that we determine the market would pay for your car immediately before its loss or damage. We take into account the age, make, model, conditions and kilometres travelled by your car and may consider industry publications to help determine the amount. The amount does not include any registration costs, stamp duty or transfer fees or allowance for dealer delivery.

Market value includes an allowance for accessories. The market value may be subject to a limit, which if applicable, will be shown on your Certificate of Insurance.

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Are there any optional benefits I can add to my car insurance?

Depending on the type of car insurance cover you choose, you can add optional extras, such as Hire Car cover, Excess Free Windscreen cover or Real Roadside Assistance™. Simply choose the extras you’d like when you get a car insurance quote online, take out a policy, or ask our friendly customer service consultants when you call.

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Am I covered for windscreen replacement even if I don’t have the extra Excess Free Windscreen option?

If your windscreen is damaged we will pay the cost of replacing or repairing the front windscreen. An excess will be applicable.

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What is the difference between windscreen replacement and Excess Free Windscreen cover?

If you have agreed to purchase the optional extra Excess Free Windscreen cover the excess will not be payable if the claim is only for windscreen glass breakage. This option allows one excess free claim per policy period.

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Am I covered for new car replacement?

Depending on the level of cover you choose, we will, at our option, replace your car with a new car or the same or similar make model or series if your car is declared by us a total loss within 24 months of the starting date of its original registration and you are the first registered owner.

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Do you cover learner drivers?

Yes, we do! If you’re a learner driver, our car insurance policies will cover you as long as:

  • you’re accompanied by a fully licensed driver
  • you have a current Learner Drivers Licence, Learners Permit or the equivalent for the state or territory where you live.

An additional excess may apply in the event of a claim if the car is being driven by a learner driver.

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Do you insure cars used for business purposes?

We don’t insure cars used only for business, although we do cover them if they are for both private and business use. There are some exclusions, and we will not provide cover if the business use is:

  • Carrying or moving goods for reward (such as couriers or food deliveries)
  • Hiring out the vehicle as a rental car
  • Professional driving instruction
  • Vehicle racing (professional or amateur)
  • Taxis

Please call us on 13 19 48 to ask whether we can cover your car.

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I have an older model car. Can I get insurance with you?

To keep our car insurance premiums as affordable as possible for the greatest number of customers, we only insure cars that were manufactured after 1980.

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What are After Market Extras?

After market extras are accessories that are added to your car but do not come standard on the car. They are not offered as an option on the car when purchased new from a dealership.

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I have After Market Extras on my car, do you need to know about these?

If the After Market Extras are to be covered as part of the total value of your car they must be listed on your Certificate of Insurance. We will then cover the After Market Extras as part of your car if it is stolen or damaged in an incident which is covered under your car policy.

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If I am selling one car and buying another, do I have to take out another car insurance policy?

Once you have sold your car it is no longer covered under your policy. The purchaser must arrange their own insurance on delivery. If you buy a replacement car, your policy will automatically cover this replacement car from your date of purchase provided that you tell us within 14 days of buying the car, and we agree to insure it and you pay any applicable additional premium.

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Can I change the level of cover of insurance at any time?

Depending on the cover you have chosen, you can change your level of cover during the policy period to suit your needs. Please speak to us immediately when your circumstances change by calling 13 19 48.

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