Insuring your Ram
have compared and added a number of policy benefits to give you one of the best covers available.
Available 24hrs a day 7 days a week
Personally answered 0800 phone number
Roadside Assistance 24/7
Flat Tyre/Damaged Wheel, Flat Battery, Locked Out, Lost Keys, Out of Fuel, Breakdown Towing (mechanical or electrical)
Return to Home and Accommodation Costs
Out of Pocket Expenses - away from home up to $1,000 if you are 100km or more away from your usual residence for alternative transport and accommodation
Accident Management Service
Crash Management gives Protecta customers quality 24 hour, 7 days a week nationwide service including free pick-up and delivery, free courtesy cars and emergency accident roadside assistance if required
Maximum Amount Claimable
Up to the Current Market Value of the Vehicle
Vehicle Repatriation Costs
Up to $500 is available to relocate your vehicle closer to home
Easy claims process
Experienced people that make the process as fast and easy as possible for you
Luxury Motor Vehicle Insurance has been specifically designed for the discerning owner. Luxury vehicles are a reflection of quality and craftsmanship, and selecting the right vehicle was an important decision.
Selecting the right insurance policy that fits your vehicle choice is of equal importance. Luxury Motor Vehicle Insurance has been specifically designed to provide distinctive levels of cover to the luxury vehicle owner. With Luxury Motor Vehicle Insurance, you can rest assured that we recognise the need to provide superior levels of cover and service to complement you and your investment in your vehicle.
Three-year replacement vehicle cover
For new vehicles, if the vehicle is deemed a total loss within three years from the date of purchase
Twelve-month used vehicle cover
For used vehicles, if the vehicle is deemed a total loss within twelve months from the date of purchase, the policy pays the greater of the vehicle’s purchase price or the market value
Use of genuine manufacturer's parts
To ensure maintenance of the manufacturer's warranty
Guaranteed Asset Protection
Guaranteed Asset Protection (GAP), protects you financially against the loss of your vehicle. If your vehicle is under finance and deemed a total loss through accident or theft, GAP pays any shortfall, up to $10,000, on the finance of your vehicle. For example, if your vehicle finance amount was $15,000 and the market value of your vehicle is less than $15,000, there will be a shortfall amount that you're required to pay your finance company.
Why do I need GAP?
GAP not only covers the vehicle finance shortfall, but pays up to $2,500 on out-of-pocket expenses, such as:
- on road costs for your replacement vehicle
- new insurance on your replacement vehicle
- the excess amount on your total loss through accident or theft
- the hire of a rental vehicle, up to $100 a day, for five days.
Loan and Payment Protection
Covers loan repayments in cases where the insured may become totally disabled through accident or illness, or is made redundant or declared bankrupt. In such cases the policyholder is protected against having to make payments for the duration of the disability, redundancy or bankruptcy. In the case of the insured's death, the balance of outstanding payments (less any arrears) will be paid.
You are protected by responsible lending laws. Because of these protections, the recommendations given to you about this loan are not regulated financial advice.