Insurance is a necessity of car ownership, because you can never predict
what may happen in the future. Whether it's a friendly tap or a total write-off,
your fault or theirs, you need insurance to get back on the road quickly,
with as little damage to your wallet as possible.
National Finance Choice
can assist you find the right insurance quote for your situation.
Types
of Insurance
Comprehensive Insurance
Comprehensive Insurance Cover provides for the repair or replacement
of your vehicle in the event of accident or theft. We are able
to offer a choice
of competitive policies to suit your needs from major National
underwriters right
across Australia. Choosing the right policy is an important decision.
We can offer excellent service and a no-obligation quotation.
Providing your claim meets the conditions of the issued policy,
the insurer will generally repair, pay for the repair or, if
the car
is declared
a total loss (write-off), pay the sum insured. (see also GAP & Loan
Cover) In each case you will be required to pay any applicable
excess and the
maximum
payment
will be the 'sum insured' shown on your policy certificate.
If your vehicle was less than 12 months old (from time of first
registration) at the time of being "written-off" or
stolen, many insurers may elect to replace it with a new
car of the same make and series.
Other benefits include:
- Towing
- Your legal liability for damage to third party property
- Legal Costs
- Personal items
- Emergency costs
A comprehensive policy may also provide additional benefits
in the event of fire, theft or third party personal injury.
Consumer
Credit insurance (CCI)
When borrowing money to purchase a vehicle
no-one ever believes that they could
be in a position
not to make
their payments.
However illness, accident,
death or unemployment will place a greater strain
on you (and
your family) and your
finances.
Guaranteed
Asset Protection (GAP)
If you have financed your vehicle
and the vehicle is stolen, destroyed
by
fire, or
severely damaged
and written-off
there may be a shortfall
between
the 'market'
or 'agreed' value' and the amount
needed to pay out your loan.
You
will also have to pay the on-road costs again along with another
12 months insurance
and your
insurance excess
when
purchasing your
replacement vehicle.
In the event of a total loss
and a pay out from your insurer,
the
policy
pays
the remaining
balance
due for
settlement
of the finance
contract.
EXTENDED WARRANTY
Through National Finance Choice’s research and
buying power we are able to offer
our customers a wide range of warranty and extended factory
warranty
products to suit most vehicles
and owners. Many warranty's are designed to provide
customers with
a no fuss protection plan with
coverage up to manufacturers standards. (conditions
apply).
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