Saving on your Car Insurance

How do I save money on my car insurance?

It is advisable to establish the cost of insurance before you purchase your car, that way, you will be prepared.

If you modify, or buy a modified car, you may pay a higher premium, as the car may cost more to repair. You may also pay a higher premium if you have had your license suspended, cancelled or disqualified in the last three years.

At Just Car we provide you with the option to lower your comprehensive car insurance premium with our ‘Ad-JUST Excess’.

With this option you can choose to pay a lower premium by selecting a higher excess. The higher the excess you choose, the lower your premium.

For more information please call us on 13 13 26 or Email us at contactus@justcarinsurance.com.au

What features and benefits are included in JCI’s Comprehensive Car insurance policy?

We offer you an agreed value, which means we establish the value of your car and lock it in for the period your car is insured with us. That means if your car is written off, you know exactly how much you will be paid out (less any applicable excesses).

The quality of the workmanship and the materials we authorise in the repair of your car will be guaranteed for the life of the car.

We cover all reasonable towing costs.

We allow for unlimited modifications and / or accessories - provided that they are legal, roadworthy and you have told us about them and we have agreed in writing to cover them.

If you’re unlucky enough to have a claim, we will only affect your Rating/No Claims Bonus by one rating per claim. We’re open 7 days a week, so you’ll never have to wait long to talk to one of our staff.

We will pay for any accidental loss, damage and liability for property damage covered by your Just Car policy occurring during the period of cover. In the case of legal liability, we'll pay up to $20,000,000 arising from the one event.

• We offer you a Rating/No Claims Bonus based on the number of claim/accident free years you have been licensed. (Excluding learners permit years)

We will also provide you with the option to lower your premium by selecting a higher excess. The higher the excess you choose the lower your premium. For more information please call us on 13 13 26 or Email us at contactus@justcarinsurance.com.au

How do you work out your prices?

We ask a number of questions when we give you a quote - that’s because we want to give you the best price. The more details we obtain, the more accurate the quote.

The factors we take into account when quoting you a premium are:

• your age and driving history
• the value, age, make and model of your car
• any modifications or accessories fitted to your car
• our experience of repair costs for cars like yours
• where you keep the car overnight
• if you have any finance on the car
• if you use the car for private or business use.
• whether you choose to pay a higher excess.

All the prices include GST and government taxes.

What discount can I get on my Comprehensive car insurance policy?

At Just Car we provide you with the option to lower your comprehensive car insurance premium with our ‘Ad-JUST Excess’.

You can choose to pay a lower premium by selecting a higher excess. The higher the excess you choose, the lower your premium.

For more information please call us on 13 13 26 or Email us at contactus@justcarinsurance.com.au

What is Comprehensive insurance?

Just Car’s comprehensive car insurance covers you for damage to your own vehicle, as well as for any damage to other people’s property for which you are legally liable resulting from the use of your car. It does not cover personal injury to third parties.

As a comprehensive policyholder you have the option to lower your comprehensive car insurance premium with our ‘Ad-JUST Excess’.

With this option you can choose to pay a lower premium by selecting a higher excess. The higher the excess you choose, the lower your premium.

To get a car insurance quote Click Here

To take a look at Just Car’s Product Disclosure Statement (PDS) and Important Information about Us statement Click here.

What can l do to make my insurance cheaper?

You can have an impact on your insurance premium by:

• The car you choose
• Maintaining a good driving record (this includes accidents and driving offences)
• By owning the car outright.
• Using your car for business use
• Choosing to pay a higher excess.

If you modify, or buy a modified car, you may pay a higher premium, as the car may cost more to repair. You may also pay a higher premium if you have had your license suspended, cancelled or disqualified in the last three years.

High performance cars, imports, modified or high-priced cars can attract a higher insurance premium than a standard car. So don’t get caught in the trap of buying the car then realising you can’t get the cover you need or want.

It’s a good idea to check the price of the insurance before you buy a car.

At Just Car we provide you with the option to lower your comprehensive car insurance premium with our ‘Ad-JUST Excess’.

You can choose to pay a lower premium by selecting a higher excess. The higher the excess you choose, the lower your premium.

Now that you’ve done your homework, you should also know that: When your car’s insured with us, we'll insure your partner's car at the same discount.

• When you switch from third party to Comprehensive Car insurance with JCI, we'll give you the Rating/No Claim Bonus you would have earned if you’d had comprehensive insurance with JCI from the beginning.

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