SELECTING INSURANCE OPTIONS

Understanding what is covered by your car insurance policy can help you avoid unexpected costs in the future. So, how do you know if you have the right cover for your vehicle?

Let’s take a brief look at options

* Excess – Check the standard Excess amount payable especially at renewal.

Make sure the amount of excess does not increase to keep the cost the same.  

Also, important to check the age excess for young drivers, consider if you can accept a higher amount of excess if you have more than one accident a year?

* Kilometres –Pay as you go insurance can be great however the costs are enormous if you go over the km’s registered and then have an accident. So, it is best to check regularly perhaps leave a reminder in the car or Calendar to check your odometer every three months.

* Hire Car - Different options are available upon request

Consider for a small cost up front, compared to if your vehicle is not road worthy, and immediately off the road following an accident.  

In some locations parts may be unavailable, or the repairer unable to commence for weeks.  

Some policies have an unlimited hire car option which can be of great benefit if you do not have access to another vehicle. Especially as parts shortages continue  

• Windscreen Inclusion – Newer model vehicles have lots of high-end technology to help keep you and your family safe.  

The cost of windscreens now range between $120 to upward of $3000 with additional costs for calibrating radar units, rain sensors and codes. Once this option is removed from your policy it is difficult to get back. So defiantly worth including.

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