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Growing old sometimes means we can’t take care of pets anymore. Find out some advice on what to do when this happens:![]()
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Senior Pet Parents – Contingency Plans for Your Pet – bit.ly/44bzwkS
Senior Pet Parents' Contingency Plans for Pets
www.pd.com.au
Sometimes senior pet parents need more downtime. For older pet owners, this can be tricky to navigate if their dog or cat is full of beans and wants to
Before you rev up the engine, let’s run through a checklist of things to do before starting your car. Not only do these steps ensure your safety (and that of others around you), but they also help in maintaining your vehicle's longevity.![]()
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Driving Tips: Your Checklist Before Starting Your Car -
Driving Tips: Your Checklist Before Starting Your Car
www.pd.com.au
Heading out for a drive? Hold up a second! Whether you're dashing off to work, running errands, or embarking on a road trip adventure, there are a few
Are intestinal worms setting up camp in your dog’s gut without paying rent? Here’s how to spot the main culprits and get rid of them too:![]()
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Preventing, Identifying and Treating Intestinal Worms in Dogs - bit.ly/43YjCKu
Preventing, Identifying and Treating Intestinal Worms in Dogs
www.pd.com.au
Intestinal worms, such as roundworms in dogs are one of the least glamorous topics on the planet. These intestinal parasites that basically use our dogsIf you have a bad accident your car might be written off. Because a car can depreciate in value quite quickly after you buy it brand new, replacing a write off can be a costly exercise. With new for old car insurance, your insurance could replace your old car with a brand new one.
This makes a car write off sting a little less. Of course, there are certain eligibility criteria for new for old car insurance. If you’ve written off a car, you won’t automatically qualify for a new one under every insurance policy.
Let’s explore…
What is new for old car insurance after total loss?
If your new car is written off, some car insurers in Australia will replace it with a new one of the same make and model. This is what’s known as new for old car insurance, new for old car replacement, or new car in the case of total loss/write off.
Depending on your policy, your car insurance provider might also cover some of the replacement car’s on-road costs. This could be the dealer delivery free, registration fees for a year, and/or compulsory third party insurance.
If the same make and model of car is not available when it comes to new for old car insurance replacement, your insurance provider might offer you a similar car. Or, you might be able to opt for a total loss cash settlement instead up to the agreed value or market value. Read more about replacement value of your car after total loss.
Not sure what the difference is? It’s a common question. We’ve got the answers in our article ‘what’s the difference between market value and agreed value?’
How do I qualify for new for old replacement?
If your insurance provider does offer new for old car insurance, to take them up on it you’ll probably need to have a comprehensive car insurance policy instead of just CTP or third party car insurance.
Your car will need to have been assessed and be considered a total loss or a ‘write-off.’ This also has to happen from an insured event, like theft, vandalism, or a collision. If you’ve had a huge mechanical breakdown, you probably won’t have cover for it and will have to pay out of pocket.
At PD Insurance, we provide new for old car insurance in the case of total loss if:
- you have comprehensive car insurance cover, and
- a total loss occurs within 12 months of your car’s original new car registration; and
- your car hasn’t travelled more than 20,000 kilometres in that time.
It’s also worth knowing that if your car is under finance you may have to submit documents as per your insurer’s request before they’ll fund a replacement car. Carefully check your policy disclosure statement to find out more about what’s covered and what isn’t.
Comprehensive car insurance
Does new for old car insurance sound like a good deal to you? It certainly can be great relief at an awfully frustrating time in your life. Saving for a new car takes a lot of time and effort!
Hopefully, you never end up in the situation where your car is written off. Or even just seriously damaged. But if so, knowing you have comprehensive car insurance can take away some of the stress. The good news? It probably isn’t as expensive as you think, especially if you take advantage of discounts some insurance providers offer.
Why not get a PD Insurance quote and see what savings you can make with us?
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