FAQ's

Supercheap Auto Car Insurance - Frequently Asked Questions (FAQ)

1. Why Supercheap Auto Car Insurance?
   At Supercheap Auto we’ve always tried to give our customers a great range and great prices. That’s why in offering car insurance we’ve tried to find the best value most flexible car insurance offer possible. And we think we’ve done it with Supercheap Auto Car Insurance. Teaming up with A&G Insurance Services Pty Ltd, Supercheap Auto Car Insurance offers a great range of insurance options, flexibility of payment and above all a great value price.

2. Why are telephone conversations recorded?
   Telephone calls are recorded for a number of reasons including to allow you to avoid all the paperwork you might otherwise encounter, arrange the insurance immediately over the phone without delay and help keep an accurate record of the information you submitted when insurance was arranged. It also allows the insurer to manage the claims process and to undertake service quality assessments, which help ensure the call centre operators are focussing on delivering you the best possible customer service.
   
   
3. Is your call centre in Australia?
   As a Supercheap Auto Car Insurance customer you will be pleased to know that you'll be assisted by friendly car (and home & contents) insurance contact centre staff in a state-of-the-art call centre facility located on the Sunshine Coast in Queensland, Australia.
   
   
4. Who is the underwriter for Supercheap Auto Car Insurance?
   Supercheap Auto Car Insurance policies’ are underwritten by Auto & General Insurance Company Limited. Auto & General Insurance Company Limited is an Australian Insurer authorised to conduct insurance business in Australia by the Australian Prudential Regulatory Authority (APRA). Auto & General Insurance Company Limited is a member of the Insurance Council of Australia and participates in the Insurance Code of Practice.
   
   
5. How can I purchase a car insurance policy?
   You have three options to choose from when purchasing Supercheap Auto Car Insurance:
6. 1. Quote and then buy 24 hours a day, 7 days a week, securely online at www.supercheapautocarinsurance.com.au
   2. Complete a quote online then simply call one of the helpful consultants on the number provided at the end of the quote to complete the purchase of your policy.
   3. Call a helpful consultant on 1800 105 403 to get a quote and purchase over the phone.

To purchase a policy securely online simply complete an online quote and follow the 'How to apply online' instructions. Purchasing insurance online with Supercheap Auto Car Insurance is easy and available 24 hours a day! The online quote and purchase system is secure, convenient and simple to use.

To get an online quote and then purchase over the phone simply complete an online quote and call the 1800 number provided at the end of the online quote process. Make sure you have the quote reference number given when getting the online quote when you call. The call centre is open Monday to Friday between 8.00am and 8.00pm (EST) and Saturday 8.00am to 2.00pm (EST).

If you wish to take out a Supercheap Auto Car Insurance policy over the phone, call a friendly consultant on 1800 105 403 and let them take you through the quote and purchase process. With Supercheap Auto Car Insurance there are no forms to fill in - even if you make a claim. The call centre is open Monday to Friday between 8.00am and 8.00pm (EST) and Saturday 8.00am to 2.00pm (EST).

6. Is it safe to purchase car insurance online?
   To protect your confidential data when you purchase car insurance online, an SSL certificate from Verisign will be used. This Verisign certificate confirms that the webpages for transacting the insurance have been authenticated and verified and sensitive data is safely encrypted.
   
   
7. What if I have to make a car insurance claim?
   If you need to make a car insurance claim call 1300 885 996 and a claims consultant will help you get back on the road as soon as possible.

In most cases you will be able to deal with any car insurance claims requests over the phone. The insurer aims to have all claims processed promptly to avoid any inconvenience.

8. What are the best ways I can save money on my car insurance?
   There are several ways to make your premium more affordable. These include: restricting drivers by age, increasing your excess, and by installing a combined alarm and immobiliser to reduce the risk of car theft.

If you wish, you can spread the cost of your insurance by paying by monthly instalments. This means you are not paying for your insurance all in one payment.

9. How long does it take to get car insurance?
   In most cases you can be insured in one easy online session or phone call. You should have at hand details of your car and driving record and it won't take long at all. You can be insured the day you go online or call and take out a policy, or you can choose a later date for your cover to begin.
   
   
10. Can I buy car insurance online?
    Yes you can.
    
    
11. How can I pay for my car insurance securely online?
    You can pay for your car insurance online using either a Visa or Mastercard credit card.
    
    
12. What are the benefits of purchasing car insurance securely online?
    There are many benefits when purchasing insurance online:

§        Being able to take out insurance at a time that's suitable for you 24 hours a day, 7 days a week.

§        Don't have to sign any forms - ever.

§        Purchasing car insurance online can be up to 20% faster than doing it over the phone.

13. If I purchase car insurance securely online from Supercheap Auto Car Insurance when will my insurance start?
    Just like purchasing insurance over the phone your insurance cover will begin on the date you request the cover to start. You will also receive your policy documents via mail within 5 business days of the purchase date.
    
    
14. Are there different ways I can adjust my car insurance premium?
    When you buy Supercheap Auto Car Insurance, you have the option of tailoring your policy to help you get the right price.

You can restrict drivers by age, which will reduce the level of perceived risk, therefore lowering the premium you need to pay.

If you are a good driver and your car insurer has all the right information and is evaluating your risk level effectively, you shouldn't have to pay exorbitant prices.

Other optional benefits include:

15. What benefits should I seek out when choosing a motor vehicle insurer?
    Benefits, which could be important to you include:
16. 1. Lifetime guarantee on repairs for as long as you own the vehicle
    2. One stop claims assessment centres
    3. Rating one for life option
    4. No forms to fill in ever, including application and claim forms
    5. 21 day money back guarantee if you cancel your policy and have not made a claim

Terms and conditions apply. (Please see the Product Disclosure Statement for details).

16. What are some of the factors, which contribute to why I have a different car insurance premium to my friends?
    Car insurance premiums are calculated based on the level of 'risk' the insurance underwriters associate with you and your car. So simple factors that differentiate you and someone else contribute to the assessment of 'risk'.

Risk is primarily affected by the make and model of the car, the age of the driver's and the driver's history, as well as residence. For example, not all insurers treat each suburb the same. In addition where you park the car at night will often affect your premium.

Your driving history and the frequency of claims are also considered carefully.

17. What is the difference between a vehicle's agreed and market value?
    Market value is the reasonable cost to replace your vehicle with one of the same make, model, age and condition as your vehicle at the time of loss or damage. It does not include any allowance for warranty, stamp duty or transfer costs. If you want an idea of what your car may be worth you can search for your car on Redbook’s website. Agreed value is the amount the insurer agrees to insure your vehicle for during each term of insurance. The value may change each time you renew the policy.

Please see the Product Disclosure Statement for details.

18. What is the difference between the following types of car insurance Comprehensive, Third Party Fire and Theft and Third Party Property Damage?
    Comprehensive offers the broadest level of cover as it covers damage caused by the car to other people's property, plus cover for the car up to the value you insure it for.

With Third Party Fire and Theft cover, you will get third party property cover below, plus cover for your own car if it is stolen or catches fire.

Third Party Property Damage is the narrowest level of cover we offer; it covers only your liability for damage caused by the car to other people's property, plus a limited amount of cover for the car if damaged in a no fault accident with an uninsured vehicle.

Terms and conditions apply to each type of cover. For more details please see the Product Disclosure Statement for details

19. What personal effects are associated with car insurance?
    Personal effects are your personal belongings that are in your car at the time of an accident.

With Supercheap Auto Comprehensive Car Insurance, you will have cover for damage to your personal effects resulting from a collision involving your car. Limits do apply (Please see the Product Disclosure Statement for details).

20. What is a No Claim Discount (NCD) and how does it affect car insurance premiums?
    It is a discount on your car insurance premium. Your No Claim Discount is calculated on your years of driving experience and your claims record. It means as you gain more years of claim free driving experience you receive a discount from the full priced premium until it reaches a maximum discount (also known as Rating 1). This is because we believe you are less likely to make a claim than a less experienced driver.
    
    
21. What is the difference between a Rating 1, No Claim Discount and No Claim Bonus?
    They are different terms for a scale that insurers use to rank your driving history and risk. Rating 1, NCD and NCB, all refer to a discount that is applied to the full premium.
    
    
22. Will I lose my NCD if I have a car accident?
    You will not lose any NCD on renewal following a window glass claim, or if the other vehicle in a collision is entirely at fault and the driver is identified to the insurer. For other claims, your NCD may be reduced at renewal.
    
    
23. Can I protect my NCD?
    You can protect your Rating 1 (maximum No Claim Discount) by selecting our NCD protection option. This allows you to have 1 car insurance claim per 12-month period of having a Supercheap Auto Car Insurance policy, or up to 2 claims in 3 years without affecting Rating 1.

If you have NCD protection while holding your Supercheap Auto Car Insurance policy for 2 consecutive claim free years, you will qualify for a Rating 1 for life (which means all car insurance claims have no effect on your NCD for as long as you have NCD protection).

24. What happens if I don’t provide full information about my driving record, past accidents or claims when I am asked?
    This is called non-disclosure and affects an insurer's ability to accurately assess your risk or calculate the correct premium. It can lead to a claim being paid only in-part, or not paid at all and/or your policy being cancelled.

  25.   I am having trouble purchasing securely online, what should I do?
If you are having trouble purchasing online please call 1800 105 403 with your quote reference number to hand and our friendly call staff will be able to help.

The Supercheap Auto Car Insurance call centre is open Monday to Friday between 8.00am and 8.00pm (EST) and Saturday 8.00am to 2.00pm (EST).

Super Cheap Auto Group Ltd (SC) (Reg Off 751 Gympie Rd Lawnton QLD 4501) acts as an Authorised Representative of A&G Insurance Services Pty Ltd (AGIS) who arranges the insurance on behalf of Auto & General Insurance Company Ltd (A&G), a related company. Because we don't know your financial needs, we can't advise if this insurance will suit you. You should consider your needs and the Product Disclosure Statement (PDS) before making a decision to buy insurance. A&G pays AGIS and SC a commission which is a percentage of your premium. AGIS sales staff may receive bonuses. For further details see our Financial Services Guide (FSG). The PDS and FSG can be found at our website or call us. Terms and conditions apply. Subject to rating and underwriting criteria. click here.