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Frequently Asked Questions

We help you stay ahead and informed with these helpful answers on protecting yourself, your home, business and more.

How will the Liberalisation benefit me?

As a consumer, there is an expectation that there will be wider choices and options of motor and fire products available to purchase, and that the products will be more suited to the individual’s needs. For low risk groups, premiums are expected to be lower.

On the other hand, for high risk groups, premiums chargeable are expected to be higher but this can be moderated by risk reduction factors undertaken by the policyholders e.g. safer driving habits to reduce accidents, installation of car telematics or certified anti-theft devices for cars which help reduce theft.

Recent FAQ

Motor Claims – Third Party Property Damage (TPPD)

What happens in a Third Party Property Damage Claim?

If you are at fault, the other party will make a claim against your insurance company...

What is Credit Shortfall Private Car Insurance?

Our Credit Shortfall Insurance covers the difference between your insured sum or the market value of your car and your...

What will Total Assist do after I have made a report?

After you have lodged a police report, your vehicle will be towed to one of our Authorised Panel Workshops where...