Motor Vehicle Insurance

Our motor vehicle insurance policies give you the freedom to choose the most suitable cover for your needs. With emergency or temporary repairs, replacing your vehicle after a total loss, hire vehicle costs after theft or attempted theft and liability cover, our motor vehicle insurance will give you extensive coverage that is value for money.

A choice of policies

Motor Vehicle Insurance Policy

This is our most flexible policy and, like all our policies, offers real value for money. This policy provides cover for loss or damage to your car, motorcycle, trailer or horse float.

Nominated Driver Car Insurance Policy

If you choose this policy your premium will be calculated on the basis that your car will be driven by no more than two nominated drivers who are 25 years of age or over. This is only available for cars.

Nominated Driver Low Kilometre Motor vehicle Insurance Policy

This policy is ideal if you don't do a lot of driving. Your premium will be calculated on the basis that your car will be driven by no more than two nominated drivers who are 25 years of age and over and will not be driven more than 10,000 kilometres during your period of insurance.

A choice of covers

Comprehensive

Covers your car, motorcycle, trailer or horse float for loss or damage and also covers you for legal liability when loss or damage to another person’s vehicle or property occurs.

Third Party Fire and Theft

Covers your car or motorcycle for loss or damage by fire or theft and also covers you for legal liability when loss or damage to another person’s vehicle or property occurs.

Third Party Property Damage

Covers you for legal liability for loss or damage to another person’s vehicle or property when you have insured your car or motorcycle.

Additional covers at no extra cost

Our motor vehicle insurance has many important features like:

Uninsured motorist damage

If your vehicle suffers loss or damage as a result of a collision with an uninsured vehicle and you are not at fault, we will cover the cost to repair your vehicle, including towing your vehicle, up to $5,000 (inclusive of GST). The vehicle that caused the damage to your vehicle must be uninsured. You will need to provide us with:

• the name and current residential address of the driver responsible for the collision
• registration details of the other vehicle
• proof that the other vehicle was uninsured.

We must agree that the collision was the other driver’s fault.

Replacing your vehicle after a total loss

If your vehicle is a total loss as a result of an incident we have agreed to cover, we may decide to replace your vehicle with a new vehicle. We will only do this if your vehicle is a:

• car less than two years old and has not travelled more than 30,000 kilometres
• car more than two years old, but less than three years old, and has not travelled more than 50,000 kilometres
• motorcycle less than one year old.

Hire vehicle costs after theft or attempted theft

If your vehicle is stolen, or it is unsafe to drive, ride or tow as a result of theft or attempted theft, we will pay (inclusive of GST) the cost of a hire vehicle. We will pay this cost from the time the theft or attempted theft occurred until your vehicle is recovered and repaired, or until we settle your claim if your vehicle is a total loss, up to a total of 14 days, whichever is the shortest period of time.

Liability cover

We will cover your legal liability following an incident that causes loss or damage to someone else’s property, or death or bodily injury to other people, up to $20,000,000 (inclusive of GST).

Trailer damage

If a trailer suffers loss or damage while attached to your vehicle, as a result of an incident we have agreed to cover, we will pay the cost to repair or replace it, up to $1,000 (inclusive of GST), whichever is the least amount.

Emergency or temporary repairs

If your vehicle needs emergency or temporary repairs as a result of an incident we have agreed to cover, so that it can be driven or used, we will cover the cost of repairs, up to $500 (inclusive of GST) per incident.

Optional covers available for an additional premium

You can broaden the scope of your cover by adding options like:

Windscreen Extension Option

We will cover the costs (inclusive of GST) to repair or replace the windscreen or window glass of your vehicle if there is no other damage. This option allows you to make a claim once during your period of insurance without paying an excess, and without it affecting your no claim bonus.

Excess

This is the amount you pay when you make a claim on your policy. The type of excess that applies to your policy and the amount of that excess will be listed on your schedule.

Easy premium payment options

We make it easy for you to pay your premiums. With our EasyPay insurance options you can pay your insurance premiums monthly from your selected account. That means you’ll avoid those once-a-year payments and you won’t have to keep track of different renewal dates. You can also add, cancel, or amend policies anytime and, best of all, paying monthly costs nothing extra. Of course, if you’d prefer to pay your premiums annually, you can, the choice is yours.

To find out more, or to obtain a quote, call MyState Financial on 138 001 to speak with one of our expert insurance consultants.

Free online quote

• Car Insurance

MyState Financial acts under its own AFS Licence Number and under an agreement with CGU Insurance Limited ABN 27 004 478 371 AFSL 238291 (CGU). Before making decisions about the insurance products you should consider the appropriateness of the information having regard to your circumstances and the Product Disclosure Statement (PDS).  CGU’s normal underwriting terms and conditions and acceptance criteria apply. Terms and conditions apply. #Terms and conditions for the competition to win a Samsung 116cm (46”) Full High Definition 3D LED TV (comes with 4 x 3D glasses and 3D BLU-ray player) RRP: $4466 are available here.