Consumer Information
Overseas travel insureance
Insurance situation arising from travel
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Buying insurance
Cover your property losses
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Guidelines for resolving disputes
This is how member companies resolve disputes.
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Commercial insurance
Insure against businessesdisruption
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Motor insurance
Motor vehicle insurance can cover you against accidental loss or damage to your vehicle,
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Personal insurance
The types of cover available under personal insurance
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Marine insurance
Cover for commercial vessels and personal pleasurecraft
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Insurance fraud
An insurance claim is considered fraudulent when it is based on facts that are simply untrue
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Disclosure
Insuring your motor vehicle
When insuring your motor vehicle it is important that you disclose all information that may affect the acceptance of the insurance.
This is regardless of whether or not a specific question is asked.
In addition to disclosing all previous losses and criminal convictions, it is likely your insurer will also want to know who is going to drive your motor vehicle and if you or the other drivers have had any accidents or traffic convictions, and whether your vehicle has been modified.
Traffic Offences and Vehicle Modification
When insuring a motor vehicle you should disclose:
- All traffic offences, including fines (ie. speed camera and other "instant fine" offences that do not go to Court), as well as non-driving related charges (ie. driving a vehicle without a current warrant of fitness or registration).
- All vehicle modifications that are not in accordance with the vehicle's original specifications. This may include (but is not limited to) engine, body, paintwork, wheels and tyres, suspension, and "internals" such as stereo, and seats.
- Insurers are interested in any modification which may increase the likelihood of a vehicle being involved in an accident (ie. something which makes the vehicle go faster), make the vehicle a more attractive theft target, or more expensive to repair.
- Your insurer may ask a separate question about driving disqualifications. If they do you must disclose any period of driving disqualification no matter when it happened.
A disqualification may result from a specific offence such as drink driving, an accumulation of demerit points, or a non-traffic related offence (ie. a person can be disqualified from driving if they use a vehicle when committing a crime such as burglary).
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