Motor Vehicle Insurance

Protect Your Vehicle with Confidence

Motor Vehicle Insurance helps protect cars, utes, vans, and private vehicles against unexpected financial loss. Sureinsure Insurance Advisor provides motor vehicle insurance solutions across Australia, supporting individuals in selecting cover that aligns with their vehicle type, usage, and budget.

Whether a vehicle is used daily or occasionally, motor vehicle insurance offers reliable protection supported by clear policy terms and straightforward cover options.

Why Motor Vehicle Insurance Is Important

Accidents, theft, weather events, and third-party liabilities can occur without warning. Having appropriate motor vehicle insurance helps provide:

Financial protection against vehicle repair or replacement costs
Cover for damage caused to other vehicles or property
Greater peace of mind while driving
Compliance with legal and insurer requirements

Motor vehicle insurance is not only a safeguard but also a practical financial consideration.

Types of Motor Vehicle Insurance Available

Comprehensive Motor Vehicle Insurance

Comprehensive Motor Vehicle Insurance offers a high level of protection and may include:

Accidental damage to the insured vehicle
Loss or damage caused by theft, fire, storm, or flood
Vandalism and malicious acts
Damage caused by uninsured motorists

This type of cover is commonly selected for new or higher-value vehicles.

Third Party Motor Vehicle Insurance

Third Party Motor Vehicle Insurance provides cover for the policyholder’s legal liability for damage caused to other people’s vehicles or property as a result of an insured event. This cover does not include loss of or damage to the insured vehicle and is generally selected where protection against third-party property damage is required without cover for the insured vehicle itself. Cover is subject to the terms, conditions, limits, exclusions, and excesses outlined in the relevant Product Disclosure Statement (PDS).

Optional Covers Available with Motor Vehicle Insurance

Motor vehicle insurance policies in Australia may offer optional covers that can be added to enhance protection and convenience. Availability and conditions vary by insurer.

Roadside Assistance (RSA)

Roadside Assistance provides support if a vehicle breaks down or becomes immobile. This may include:

Emergency roadside repairs
Towing to the nearest repairer or approved location
Flat battery assistance
Flat tyre changes
Lockout assistance
Emergency fuel delivery

RSA helps reduce inconvenience and unexpected costs associated with vehicle breakdowns.

Hire Car After Accident

Some policies may include or offer optional cover for a hire car following an insured event while the insured vehicle is undergoing repairs, subject to policy terms.

Windscreen and Glass Cover

This optional cover may provide repair or replacement of windscreens and window glass, subject to insurer conditions and limits.

What Does Motor Vehicle Insurance Cover?

Depending on the policy selected, cover may include:

Vehicle repair or replacement
Fire and theft protection
Loss or damage caused by natural events such as storm, hail, or flood
Towing following an insured incident
Legal liability for third-party property damage

Cover inclusions, exclusions, and limits vary by insurer and policy.

How Much Does Motor Vehicle Insurance Cost in Australia?

The cost of motor vehicle insurance is influenced by factors including:

Type and level of cover selected
Vehicle make, model, and age
Driving history
Location and vehicle usage
Chosen excess

Premiums vary, and comparing available options can help identify suitable cover.