News and Helpful Hints
Insurance4Earth Helpful Hints No 8 – How do excesses / deductibles work when not at fault in a car accident?
It is important to know how excesses (also known as deductibles) work when involved in a Not at Fault car accident. Every policy of insurance has an excess which applies to any claim. This excess is the insureds initial payment obligation when a claim is made against...
Insurance4Earth Helpful Hints No 7 – When does content cover apply to protect your assets when away from the home?
All general contents are insured at the nominated address only. Therefore no cover is extended to any contents away from the home, unless you specify this requirement. Insuring your assets away from the home can be achieved in three ways Nominating an unspecified...
Insurance4Earth Helpful Hints No 6 – What does Specified Valuables Content mean under a Home and Insurance policy?
There are generally three types of Contents under a Home and Contents policy. General Contents insured at the premises but always subject to the relevant policy limits Portable Contents where the contents is noted as requiring insurance cover away from the premises –...
Insurance4Earth Helpful Hints No 5 – What exactly is included in General Contents and how am I insured?
When seeking quotations for a Home and/or Contents policy, you are asked whether you wish to insure any contents under your policy. The first question normally asked by insurers relates to general contents. General contents are contents where nothing in particular is...
Insurance4Earth Helpful Hints No 4 – What is the difference between Car Accessories and Car Modifications and how does it impact my Car Insurance policy
Often insurers will ask, as part of a Car Insurance quote, whether the vehicle has any accessories and/or modifications. Unless noted these are generally not included in the cover provided by the insurer. Vehicle accessories are things that generally enhance the...
Insurance4Earth Helpful Hints No 3 – When do I need to declare Accessories or Modifications on my Car insurance policy
A good insurance policy will be broad enough to cover most of your standard factory accessories. For every car however, there are always occasions where you may choose to add a few personal Non Standard accessories which offer its owner a benefit which is considered...
Insurance4Earth Helpful Hints No 2 – What does my CTP Insurance cover me for? What does it not cover me for?
As you are aware, CTP Insurance or Compulsory Third Party Insurance is a required policy of insurance in order to register your Car in New South Wales. Similar schemes operate in every state and Territory in Australia. Sadly over 70% of car owners in New South Wales...
Insurance4Earth Helpful Hints No 1 – Declaring or Nominating Drivers on your Car Insurance policy
A good Car Insurance policy will cover all drivers who get behind the wheel of your car. Others may require a driver to be specifically noted, with some even restricting any policy protection for drivers older or younger than a certain age. In many cases it is...
