Automobiles

Safeguarding your
pride and joy

Remove the uncertainty

From modern supercars to prestige, classic car collections and family fleets, you put a lot of research and money into finding the perfect vehicles for your family and HDL are here to provide the right solutions ensuring their protection.

Remove the uncertainty

Coverage that is relevant and true to your needs

We understand that if you have chosen to drive something a little more special you require the insurance to match. That’s why it’s important to obtain insurance designed specifically for drivers of higher value and unique vehicles including a number of features you won’t find with ordinary car insurance.

When considering insurance options, it is important to obtain coverage that remains relevant and true to your needs. Important coverage considerations include:

Fully comprehensive cover

Covering loss or damage to an insured vehicle and legal liability Australia wide.

A guaranteed value

In the event your car is written off, insurers will pay you up to the agreed value or replace it with a brand new car if less than a certain age and one is available.

Your choice of repairer

The ability to choose where repairs are done, that are convenient to you.

A courtesy vehicle

Should you need to rent a courtesy after and accident of theft.

Windscreen/Glass Benefit

Coverage for one excess free window claim per year which will not affect your no claim bonus.

Towing costs

Reasonable cost to retrieve/remove the insured vehicle from the scene of an accident when it cannot be safely driven and delivered to the repairer.

Keys & Locks

Replacement of keys, locks after theft of keys.

Premium rating flexibility

The ability to negotiate flexible premium pricing that accurately represent your unique risk. For example, if you have more cars than drivers, you cannot operate all of them at once. Insurers should acknowledge this with discounts for families who insure more cars than drivers.

HDL, the right partner for you.

Seek advice from HDL

According to the Australian Road Safety Foundation, more than half of Australian drivers (58%) narrowly avoid a car crash at least once a month, while 18% of drivers said they experienced close calls on a weekly basis.

This means the chances of something adverse happening to your pride and joy is real and when it comes to high value or unique vehicles, most online and mass market motor insurance policies lack the cover options and flexibility required for your needs.

It is therefore always best to seek advice from HDL regarding cover requirements where we can help make sure you are protected based on your unique needs.

Contact HDL for advice

Did you know?

56,184

56,184 motor vehicles were stolen in 2016/2017.

(carsafe.com.au, 2017)

$541.3m

$541.3 million was the cost of motor vehicle theft in the financial year 2016/2017.

(carsafe.com.au, 2017)

1/5

1/5 of car owners risk not having the insurance they need because they don’t read their policy document.

(Insurance Council of Australia, 2017)

Case study

On her way home from work, Sylvia was involved in a minor accident with a SUV, which was her fault. While the other car had a minor scratch, her car had some serious damage.

After pulling over, Sylvia contacted her insurance broker who took some details and arranged for her car to be towed and assessed. Because her policy also contained a rental car inclusion, they helped Sylvia arrange a hire car so that she could get to work while her car was off the road.

An assessor contacted her the next day, letting her know that her car could be fixed and that her insurance would cover the cost. They arranged to have it repaired at her smash repairer of choice. While she was waiting for her car to be repaired, Sylvia had access to the rental car – with the cost also covered by her policy.

Complimentary Review

Securing optimal insurance protection is becoming more challenging.

Having a fresh set of eyes can make a dramatic difference. HDL welcomes the opportunity to evaluate and challenge your current risk and insurance program in a confidential manner that avoids disrupting existing relationships.