This is the cheaper form of home and contents insurance, and can provide cover for a defined range of events including fire, theft, earthquake, storm damage and electric motors burning out.
Cover for a comprehensive range of events including accidental damage and accidental loss, as well as cover for theft and fire. This covers your insured contents anywhere in the world unless excluded in the policy wording.
Here is an example of what can covered under an accidental damage policy:
- Ipod lost or accidentally broken
- Red Wine/Paint/Coke spilt on carpet
- Video Camera dropped & broken
- Handbag stolen whilst shopping
- Sportsbag stolen from the gym
- Watch lost
- Diamond lost from damaged engagement ring
- CD’s & other personal items stolen from a car
- Mobile phone dropped in pool, toilet etc
- Television dropped whilst trying to plug in playstation.
If you are unsure of the specific level of cover you require, please click below:
This has all the features you need to insure your farm home, farm property, motor vehicle, farm machinery, income and other items
Farm Motor Insurance:
This provides cover for
- Cars, station wagons, caravans and trailers
- Goods carrying vehicles including utes, trucks and trailers
- Agricultural vehicles, including tractors, harvesters, bulldozers
This enables you to cover your stud stock, and covers you against:
- Death due to an accident
- Death due to an illness or disease
- Loss of use due to an accident
- Loss of use due to an illness
No matter how many head of stud stock you carry, you can elect to insure stud cattle, stud rams, ewes or horses. In addition, the livestock cover is provided anywhere in Australia.
Car / Motorbike / Motor Vehicle
Third party insurance:
Cover for a third party vehicle and/or property up to an agreed amount, usually $20million.
Third party fire and theft:
Cover for a third party vehicle and/or property up to an agreed amount, usually $20million, and cover for your own vehicle for fire or theft up to $5,000.
Cover for a third party vehicle and/or property up to an agreed amount, usually $20million, and cover for your vehicle for either market value or agreed value against “at fault” incidents, as well as fire and theft.
You can include the following options on your comprehensive insurance policy, however this may cost extra:
- Protected no claim bonus
Your no claim bonus can be protected against one claim, or all claims during the policy year
- Windscreen cover
This option will allow you to claim one windscreen per year without having to pay an excess or affecting your No Claim Bonus.
- Hire car after an accident
This option will provide you with a rental or hire car following an accident.
There are many factors which will affect the premium and the excess you will pay, such as:
- Whether you want to insure for agreed value or market value
- How many accessories your vehicle has, and the replacement value of these
- Whether your vehicle has any modifications, and the value of these
- How many extra factory options your car has, and the value of these
All of these items need to be disclosed to us to ensure you are adequately covered.
Covers you against loss or damage to the caravan, annexe and its contents from an accident, as well as theft. You can also choose the type of cover you need to suit your circumstances - whether you’re touring Australia in your caravan, or it’s permanently on-site.
Legal Expenses Insurance:
Covers the costs for legal expenses incurred and arising from legal disputes. You can select an individual & family cover and/or private web cover, which covers against some of the dangers for the individual associated with the Internet. Some claims examples of each products include:
- Families & Individuals Cover:
- Disputes over the purchase of goods or services or private sale of goods.
- Disputes with neighbors over fencing.
- Personal tax audit or investigation.
- Employment disputes, for instance, as a result of unfair dismissal or being made redundant
- Private Web Cover:
- Preparing documentation for submission to crediting bodies to challenge the accuracy of their information
- Pursuing defamation damages as a result of defamatory posts made against you published online
- Deletions of reputation damaging content posted online. (Subject to the policy wording of the Insurer.)
Covers you against loss or damage to the caravan, annexe and its contents from an accident, as well as theft. You can also choose the type of cover you need to suit your circumstances – whether you’re touring Australia in your caravan, or it’s permanently on-site.
Boat Insurance protects against theft, fire, malicious damage, stranding and capsizing, damage sustained while loading or unloading your boat, as well as collision with other vessels, jetties, submerged objects or motor vehicles.
Your vessel is also covered while in transit or in inland waters, within 200 nautical miles off the Australian coastline, or idle. Full salvage and recovery expenses are included over and above the sum insured
Residential Property Insurance:
Covers flats, units, apartments and houses which are leased or rented to tenants.
Legal Expense Insurance For Landlords:
Covers Landlord's by assisting them with the costs and expenses associated with legal disputes. This product can be taken out by families, landlords and as part of a private web product.
The policy is versatile and can assist you in a number of claims scenarios. For example:
- If someone damages, trespasses or causes a nuisance at your property
- Assistance with retaking possession of your property that has been rented under a tenancy agreement
- Recovery of rental arrears from tenants after numerous requests for payment
- If you as landlord face criminal charges, for any actions taken in your capacity as landlord, due to unlawful access to your property
- ATO Investigations regarding your property
Residential Strata Insurance
Strata insurance protects the building and common areas or facilities. Strata Insurance is compulsory in every state – so if you’re part of an owners’ corporation in a townhouse, unit, flat, apartment or duplex, you will need Strata Insurance.
Have you considered what will happen if you have a medical emergency overseas? Did you know travel insurance can waive the excess payable on your car hire?
Covers you for almost any mishap that could occur when traveling. It also provides access to our 24-hour, Worldwide Emergency Hotline.
- Overseas medical, dental and additional expenses
- Resumption of overseas journey
- Return of hire car and excess waiver
- Luggage and travel documents
- Accidental death, disability and loss of income
Get in touch
Geelong Insurance Brokers is part of Australasia’s largest general insurance broker network. Steadfast’s scale and market leading innovation mean we are in a stronger position to secure the best insurance solutions for you, at a competitive price.