CAR, MOTOR, UTE AND TRUCK INSURANCE MELBOURNE
Got fancy wheels, put them in safe hands with us. Insurance for your car doesn’t just protect you it protects potential damage you can cause to others.
Buying motor insurance online is easy. The trouble comes when you smash into a $200,000 Mercedes and your insurer advises your claim is denied for non-disclosure. That’s why you need a broker on your side from the get go.
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Get an expert broker on your side
Comprehensive Car Insurance provides drivers with total peace of mind on the road. It covers the cost of damage to your car and belongings as well as the cost of damage to other vehicles and property.
Third Party Property Insurance covers the cost of damage made to other vehicles and property in an accident.
Third party property fire and theft
Includes all the benefits of Third Party Insurance, with the addition of theft, malicious damage and fire protection.
Consequences of non-disclosure
You are always required to tell the insurer if you have had any accidents, claims and traffic infringements against you in the last 5 years. If you take out insurance and you fail to fulfil this important duty of disclosure, the insurer may:
• refuse to pay a claim, and/or
• cancel the policy
Given some claims can be of significant monetary value, it is important for an applicant to comply with their duty of disclosure.
The truth about online insurance websites and direct sales
When you buy insurance directly from an insurer online, or from a comparison site which sells but doesn’t service you in the event of a claim, you are effectively flying solo. This means that if a potential claim arises you need to argue your case to be paid without professional help on your side. It’s a bit like fronting up to a court hearing without your lawyer. The chance of winning would be quite low.
If you are wondering why sometimes you can find really cheap insurance policies online, you should firstly read the fine print and secondly understand the probability of a claim being paid. They say about 40% less claims get paid in the direct market vs the broker market because brokers ‘know what they are doing’.