Choose a cover on our quote page and send your contact details to our customer care team. If your cover is not listed, contact us by phone or email so we can help with your enquiry.
Know what your cover is built to do.
Straight answers about choosing cover, making a claim, and protecting the things that keep life moving.
13 answers / updated for general insurance
Start with the question closest to your situation.
Browse by topic or search a phrase. Every policy has its own terms, limits, and exclusions, so our team can help with the details that apply to you.
To start a claim, contact us by phone, email, or through our website. Share the details of what happened and any supporting documents available so our team can guide the next steps.
We may offer discounts when you combine multiple types of insurance with us. Speak with an advisor about the covers you need and the available options.
Liability insurance covers damage or injury that you are legally responsible for, such as property damage or bodily injury resulting from a car accident. The policy terms set out the exact cover and limits.
An agent provides personal guidance when you are choosing a product and can be especially useful when you need to make a claim. Local advice can also help you compare cover and identify gaps in protection.
You may not need auto insurance if you do not own a car. However, if you regularly drive a rental car or borrow someone else's car, non-owner car insurance may be worth considering.
You can own a car without an insurance policy, but you cannot drive it without at least third-party-only insurance cover.
You may be responsible for your own damage and injuries. Some policies include uninsured-motorist cover, so check your policy or speak with an advisor to understand whether you have this protection.
The time varies with the complexity of the claim and the extent of the damage or injury. We aim to process claims as quickly as possible and keep you informed throughout the review.
A lapsed policy can mean losing cover and having to pay for damage or injury yourself. Depending on the circumstances, there may also be penalties or fines. Contact us before a missed payment becomes a coverage gap.
A lapse is a period when your insurance cover is no longer active. It can happen after non-payment, a policy cancellation, a licence suspension, or misrepresentation or non-disclosure on the policy.
Start by estimating the replacement cost of your home and deciding whether your personal property and liability limits are enough. Consider any extra endorsements you may need, then ask us to explain exclusions, limitations, and potential gaps in cover.
If the damage exceeds the value threshold set for the vehicle, the insurer may decide it is not economical to repair. The vehicle is then treated as a total loss and the claim is settled according to the policy terms and vehicle value.