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All the insurance broker frequently asked questions you might have.
If we haven't answered your question below, be sure to get in touch with us and we'd be more than happy to help you out.
We are paid commission for placing a policy via an insurer/underwriting agency and we charge a policy service fee for administering the policy and handling claims.
No, all insurers accessed by Aughtersons Insurance Brokers are regulated by Australian Prudential Regulatory Authority (APRA). APRA conduct regular asset reviews on the insurer's ability to meet and pay future insurance claims.
No, it is our role as your insurance broker to be your advocate in the event of a claim to achieve the best possible outcome in a timely manner.
Yes, you only need to obtain one quote from a repairer following an accident. The insurers will either conduct a desk top assessment or an on-site/field assessment to ensure the quoted repairs are fair and reasonable.
No, all motor vehicle repairs must be assessed and authorised by the insurer before any repairs are undertaken.
Only the essential make safe repairs can be completed for property damage claims. Obtain quotes for any other repairs required and forward the quotes along with the claim form to our office for claim lodgement.
In most cases this is an optional extra to the standard coverage offered by insurers. Your policy schedule or applicable Policy Wording and Product Disclosure Statement state whether this cover is included.
Hire car costs are usually limited to 14 days following an accident. Any hire car costs in excess of the 14 days will be at the insured’s expense.
In most cases this is an optional extra that you need to select. Your policy schedule or applicable Policy Wording and Product Disclosure Statement state whether this cover is included.
Depending on which policy you have chosen Accidental Damage or Insured/Listed Events cover.
If you have an Accidental Damage policy there are automatic levels of cover included. If you item(s) exceed the automatic limits you may still specify the item(s) as specified personal effects/valuables once you have provided a current valuation (within last 3 years) or original proof of purchase.
If you have an Insured/Listed Events cover there is no automatic cover for personal effects item(s). You can still include specified personal effects/valuables once you have provided a current valuation (within last 3 years) or original proof of purchase.