Categories
Tags
animal welfare
breed profile
buying a car
buying a pet
Car
car accessories
car care
car features
car insurance
Car safety
car sales
car service
cat
cat behaviour
Cat Breeds
cat food
cat insurance
comprehensive car insurance
Dog
Dog Behaviour
dog body language
Dog Breeds
dog food
Dog Insurance
dog training
eco friendly cars
Electric Vehicles
Kitten
New Car
pet accessories
pet activities
Pet Adoption
pet breeders
pet days of the year
pet fun stuff
Pet Health
pet insurance
pet parenting
Pet Safety
pet services
Puppy
rescue pets
road safety
road trip
safe driving
Recent Blog:
Facebook Posts
Did you know one of the most common pet health issues for dogs is ingestion? ![]()
![]()
Poison ingestion is common for our four-legged friends, and it’s no wonder - they sniff and taste all sorts of things, from dead birds to medication they manage to get their paws on!![]()
![]()
March is National Poison Prevention Month, so we’ve put together this article to help you spot the symptoms of dog poisoning and what to do if you notice any of these signs in your furbaby.![]()
![]()
#pdinsurance #petinsurance #dogpoisoning #nationalpoisonpreventionmonth
Frequently Asked Questions About Dog Poisoning
www.pd.com.au
There are plenty of household items that can lead to dog poisoning, so it's important to know all the dog poisoning symptoms. There’s human food that’s
If there’s a dog that lives to work and loves to please, it’s the Border Collie!![]()
![]()
Fun fact: Queen Victoria owned 88 BCs during her lifetime and was often photographed with her favourite, Sharp!![]()
![]()
Whether you’re an avid fan or want to get to know this breed better, read this article: bit.ly/3DL44AM![]()
![]()
#pdpets #petinsurance #bordercollie #pdinsurance
Low visibility on the road? It can turn any drive into a nerve-wracking experience. From fog and heavy rain to glaring headlights, poor visibility can be a real hazard. ![]()
![]()
That’s why we’ve rounded up the best ways to keep your car seen (and safe), plus the common conditions that make driving more challenging.![]()
![]()
Read the article now and drive with confidence! 👇![]()
![]()
#carinsurance #pdinsurance #safedriving
How to Make Your Car More Visible and Avoid Accidents
www.pd.com.au
Driving your car in low visibility can be scary - seeing where you're going is a necessity for safety and feeling secure behind the wheel. You wouldn'tIf 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?
Share On:
