TAL companies are not part of the Suncorp Group. The different entities of TAL and the Suncorp Group of companies are not responsible for, or liable in respect of, products and services provided by the other. General advice does not take into account your individual needs, objectives or financial situation.
Before you decide to buy or to continue to hold a Life Products you must read the relevant Product Disclosure Statement.
The Code has been developed voluntarily by the Life Insurance industry through the Financial Services Council to promote high standards of service to consumers, provide a benchmark of consistency within the industry, and establish a framework for professional behaviour and responsibilities.
Register for My Account Choose the right cover for your vehicle Car insurance is an important investment which can potentially save you thousands of dollars in out-of-pocket expenses.
Here's a brief run-down of the different types of car insurance: CTP Insurance — only insures drivers for the costs of a third party's injuries after an accident. Related Articles. What's the difference between CTP and comprehensive car insurance? Download app on App Store. The CTP Scheme provides at fault cover for a child under 16 years of age for an accident that occurs in South Australia for example when the child is an underage driver for their necessary and reasonable treatment, care and support.
This cover also applies when the vehicle is registered interstate. If you sustain very serious, lifelong injuries in a motor vehicle accident in South Australia, you may be eligible for necessary and reasonable treatment, care and support under the Lifetime Support Scheme LSS , regardless of fault.
Depending on your circumstances, you may be eligible to lodge a CTP claim for compensation if you were not at fault for the accident as well as a claim under the LSS. If you fail to perform the obligations outlined in the Policy of Insurance and your conduct causes an injury, the insurer has the right to potentially recover from you the costs of injury claims arising out of that accident.
You should also make sure that you tell your insurer if your circumstances change. For example, if you modify your car, move house, have additional drivers using the vehicle or use the car for work or business. Your motor vehicle policy may not cover anything that can easily be removed and stolen from the vehicle, including personal property such as a briefcase, laptop or mobile device. Ideally, you should not leave valuable items in your car.
However, if you have to, make sure items are out of sight of potential thieves. Most thefts are opportunistic and by hiding any valuables from sight you are considerably reducing the chance that your items will be stolen.
If your property is stolen or damaged, some contents policies may cover personal property even if it is not in the home at the time of loss. Insurance companies pay out most car insurance claims. However, insurers are much less likely to accept a claim in a number of circumstances, including if:. As with all insurance products, it pays to shop around. The Australian insurance market is highly competitive with more than licensed insurers operating.
Though price is important, it is essential to buy motor insurance that offers the level of cover, and inclusions, that best meet your needs. Part of making a claim is being able to apportion blame and responsibility. Most insurers will not factor in the use of a dash cam in pricing a policy because it does not actually reduce the risk of something unexpected happening that could lead to a claim.
However, dash cam footage may be taken into account when determining the cause of an accident that leads to a claim, and resolving who is to blame. Dash cam footage has proven useful in uncovering fraudulent and exaggerated claims, especially in states that have at-fault CTP schemes.
If you are planning to drive off-road, your policy may not cover you, or you may have to pay a higher premium to account for the increased risk. Speak to your insurance provider and explain what your requirements are for off-road driving. Whether you are covered will depend on your insurer and the type of policy you buy. Your insurer needs to be told about modifications or non-standard accessories fitted to your car as soon as possible. Failing to notify your insurer may affect a claim or result in your policy being cancelled altogether.
When purchasing insurance, make sure you answer all questions about modifications accurately and honestly. This is part of your duty of disclosure. You also need to tell your insurer if you decide to make modifications to your car during the period of insurance cover. Generally, provided your vehicle is registered, your CTP insurance covers your and the driver of your vehicles liability for injuries you or they may cause to other road users as a result of a motor vehicle accident that is your or their fault.
As a general guide, the following things are covered by a CTP Policy, although the cover can vary from state to state:. Any advice here does not take into account your objectives, financial situation or needs. Terms, conditions, limits and exclusions apply.
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