Fergusons Insurance Brokers

39B Davey St Frankston, Victoria
Phone: (613) 9783-3200

My recent experience with the Fergusons Insurance team was very pleasing and impressive. I lodged my claim and I couldn't believe that it was resolved within one day and had my cheque in two days!! Wow!

Great service, very satisfied customer.

- Con Markopoulos
  Cafe Buenta

   Emergency After Hours

   0409 411 235

Motor Vehicle Personal Motor Insurance

Personal Motor Insurance is one of the most common insurance policies in Australia, which also makes it one of the most competitive sections of the market. Most insurers in Australia provide cover for private motor vehicles, so there are many different policies and options out there.

Insurers will typically provide different terms from one another, but they all use the same basic information to determine their quotes: Make/Model of vehicle, suburb the vehicle is kept, driver’s individual information including age & driving history, private use vs business use, excesses and many others.

Motor Insurance is made up of two basic sections: 1) Material Damage to your vehicle, including Fire & Theft and 2) Third Party Property Damage;  
Compulsory Third Party, or Third Party Personal Injury cover is normally purchased with your vehicle registration or a green slip.

Like most products you buy, with motor insurance you really do “get what you pay for”. It’s imperative that you obtain professional advice from your broker to help you compare policies available to you.

The main policy details that you should consider are:

  • Your choice of Repairer in the event of a claim
  • Rating 1 Protection
  • Excess Free Windscreen Replacement
  • Hire Car After a Theft
  • Hire Car After an Accident
  • Market Value or Agreed Value
  • Finance Gap Cover in the event of a total loss (i.e. the value of your car may not meet the required repayment to a finance company)
  • Third Party Liability Amount
  • Who is insured to drive my car
  • What is my basic excess
  • What additional excesses will be applied