Car Insurance FAQ
Frequently Asked Questions
-
You have three options to choose from when purchasing 1300 Insurance car insurance:
- Quote and then buy 24 hours a day, 7 days a week, securely online
- Complete a quote online then simply call one of the helpful consultants on 1300 467 872 to complete the purchase of your policy. Make sure you have the quote reference number given when getting the online quote when you call. The call centre is open Monday to Friday between 8.00am and 8.00pm (EST) and Saturday 8.00am to 5.00pm (EST).
- Call a helpful consultant on 1300 467 872 to get a quote and purchase over the phone. The call centre is open Monday to Friday between 8.00am and 8.00pm (EST) and Saturday 8.00am to 5.00pm (EST)
-
To protect your confidential data when you purchase car insurance online, an SSL certificate from Verisign will be used. This Verisign certificate confirms that the web pages for transacting the insurance have been authenticated and verified and sensitive data is safely encrypted.
-
If you need to make a car insurance claim call 1300 467 872 and a claims consultant will help you get back on the road as soon as possible.
In most cases you will be able to deal with any car insurance claims requests over the phone. The insurer aims to have all claims processed promptly to avoid any inconvenience.
-
There are several ways to make your premium more affordable. These include: restricting drivers by age, increasing your excess, and by installing a combined alarm and immobiliser to reduce the risk of car theft.
If you wish, you can spread the cost of your insurance by paying by monthly instalments. This means you are not paying for your insurance all in one payment.
-
In most cases you can be insured in one easy online session or phone call. You should have at hand details of your car and driving record and it won't take long at all. You can be insured the day you go online or call and take out a policy, or you can choose a later date for your cover to begin.
-
For your convenience and security, we offer you two different ways to pay your insurance online. You can pay with either a Visa or Mastercard, or alternatively you can choose to pay via online Direct Debit from your Bank, Credit Union or Building Society account.
-
There are many benefits when purchasing insurance online:
- Being able to take out insurance at a time that's suitable for you 24 hours a day, 7 days a week
- Don't have to sign any forms - ever
- Purchasing car insurance online can be up to 20% faster than doing it over the phone
-
Just like purchasing insurance over the phone your insurance cover will begin on the date you request the cover to start. You will also receive your policy documents via mail within 5 business days of the purchase date.
-
When you buy 1300 Insurance car insurance, you have the option of tailoring your policy to help you get the right price.
You can restrict drivers by age, which will reduce the level of perceived risk, therefore lowering the premium you need to pay.
If you are a good driver and your car insurer has all the right information and is evaluating your risk level effectively, you shouldn't have to pay exorbitant prices.
Other optional benefits include:
- Reduce your windscreen excess
- Protect your No Claim Discount
-
Benefits, which could be important to you include:
- Lifetime guarantee on repairs for as long as you own the vehicle
- Nominate your preferred repairer
- Rating one for life option
- No forms to fill in ever, including application and claim forms
- 21 day money back guarantee if you cancel your policy and have not made a claim
- Terms and conditions apply. (Please see our Product Disclosure Statement for details)
-
Car insurance premiums are calculated based on the level of 'risk' the insurance underwriters associate with you and your car. So simple factors that differentiate you and someone else contribute to the assessment of 'risk'.
Risk is primarily affected by the make and model of the car, the age of the driver's and the driver's history, as well as residence. For example, not all insurers treat each suburb the same. In addition where you park the car at night will often affect your premium.
Your driving history and the frequency of claims are also considered carefully.
The insurer's underwriting is more comprehensive than most other car insurers, which allows us to offer more competitive rates to Australian drivers.
-
Market value is the reasonable cost to replace your vehicle with one of the same make, model, age and condition as your vehicle at the time of loss or damage. It does not include any allowance for warranty, stamp duty, transfer costs or dealer profit. If you want an idea of what your car may be worth you can search for your car on Redbooks website. Agreed value is the amount the insurer agrees to insure your vehicle for during each term of insurance. The value may change each time you renew the policy.
Please see our car insurance Product Disclosure Statement for details.
-
Comprehensive offers the broadest level of cover as it covers damage caused by the car to other people's property, plus cover for to the car up to the value you insure it for.
With Third Party Fire and Theft cover, you will get third party property cover below, plus cover for your own car if it is stolen or catches fire.
Third Party Property Damage is the narrowest level of cover we offer; it covers only your liability for damage caused by the car to other people's property, plus a limited amount of cover for the car if damaged in a no fault accident with an uninsured vehicle.
Terms and conditions apply to each type of cover. For more details please see our Product Disclosure Statement for details.
-
Personal effects are your personal belongings that are in your car at the time of an accident.
With 1300 Insurance's Comprehensive car insurance, you will have cover for damage to your personal effects resulting from a collision involving your car. Limits do apply (Please see our car insurance Product Disclosure Statement for details).
-
It is a discount on your car insurance premium. Your No Claim Discount is calculated on your years of driving experience and your claims record. It means as you gain more years of claim free driving experience you receive a discount from the full priced premium until it reaches a maximum discount (also known as Rating 1). This is because we believe you are less likely to make a claim than a less experienced driver.
-
They are different terms for a scale that insurers use to rank your driving history and risk. Rating 1, NCD and NCB, all refer to a discount that is applied to the full premium.
-
You can protect your Rating 1 (maximum No Claims Discount) by selecting our NCD protection option. This allows you to have 1 car insurance claim per 12-month period of having a 1300 Insurance car insurance policy, or up to 2 claims in 3 years without affecting the Rating 1.
If you have NCD protection while holding your 1300 Insurance car insurance policy for 2 consecutive claim free years, you will qualify for a Rating 1 for life. (Which means all car insurance claims have no effect on your NCD for as long as you have NCD protection). However, you will not lose any NCD on renewal following a window glass claim, or if the other vehicle in a collision is entirely at fault and the driver is identified to us. For other claims, your NCD may be reduced at renewal.
-
This is called non-disclosure and affects an insurer's ability to accurately assess your risk or calculate the correct premium. It can lead to a claim being paid only in part, or not paid at all and/or your policy being cancelled.
-
If you are having trouble purchasing online please call 1300 467 872 with your quote reference number to hand and our friendly call staff will be able to help.
The 1300 Insurance car insurance call centre is open Monday to Friday between 8.00am and 8.00pm (EST) and Saturday 8.00am to 5.00pm (EST).
-
1300 Insurance's car insurance policies are underwritten by Auto & General Insurance Company Limited. Auto & General Insurance Company Limited is an Australian Insurer authorised to conduct insurance business in Australia by the Australian Prudential Regulatory Authority (APRA). Auto & General Insurance Company Limited is a member of the Insurance Council of Australia and participates in the Insurance Code of Practice
1300 Insurance's car and home and contents insurance is offered by 1300 Insurance Pty Ltd (ACN 124 845 727; AR No 327609) as an Authorised Representative of A&G Insurance Services Pty Ltd (ABN 61 003 617 909; AFSL 241411). A&G Insurance Services arranges the insurance on behalf of the insurer, Auto & General Insurance Company Limited (ABN 42 111 586 353; AFSL 285571). Because we don't know your financial needs, we can't advise if this insurance will suit you. You should consider your needs and read the Product Disclosure Statement and Financial Services Guide before making a decision to buy insurance. Not available in NT.
