Who is BestBuy?
BestBuy forms separate of an international group of companies, which first gear began operating as an insurance company in the early 1980s.
Since then the Group has grown to become an international pioneer in personal policy, and is the largest direct personal motor vehicle insurance company in South Africa, and one of the largest personal lines intermediaries in the United Kingdom. The Group administers over 1.5 million policies worldwide and more than AUD $ 1 billion in annual premium income.
In 1999 the Group expanded its operations to include Australia, and Auto & General Services Pty Ltd was established to handle policies for BestBuy Car Insurance and a variety show of market segments. To date the Group has experienced exceptional growth and is well positioned to continue its achiever in Australia.
How do I purchase a policy?
Our call centre is open Monday to Friday between 8.00am and 8.00pm (EST) and Saturday 8.00am to 5.00pm (EST). You can also get a quote online in less than four minutes to find out if you could be saving both money and time. Click To take out a BestBuy car insurance policy all you have to do is call one of our helpful consultants on 1800 208 228. There is no indigence for you to fill in any forms or leave your home as everything can be done over the earphone ! Our shout center is open Monday to Friday between 8.00am and 8.00pm ( EST ) and Saturday 8.00am to 5.00pm ( EST ). You can besides get a quote on-line in less than four minutes to find out if you could be saving both money and time. Click here for a quotation.
How long does it take to get insured?
You can take out insurance now by calling In most cases you can be insured in one easy earphone call. You should have at hand details of your car and tug record and it wo n’t take long at all. You can be insured the day you call and take out a policy, or you can choose a subsequently date for your cover to begin.You can take out insurance now by calling 1800 208 228. Or you can get a quotation on-line in good four minutes. Get a quotation mark now
What are the best ways I can save money on my car insurance?
There are respective ways to make your premium more low-cost. These include : restricting drivers by long time, increasing your overindulgence, and by installing a unite alarm clock and immobiliser to reduce the risk of car larceny.
Another option is to pay by episode and spread the cost of your policy. This means you are not paying for your policy all in one payment .
Are there different ways I can adjust my car insurance premium?
You can restrict drivers by age, which will reduce the level of perceived risk, therefore lowering the premium you need to pay.
At BestBuy we believe if your car insurance company has all the right information and is evaluating your risk level effectively you should not have to pay exorbitant prices.
Other optional benefits include:
- Reduce your windscreen excess
- Protect your No Claim Discount
To help you get the right price, we give you the option of tailoring your policy.You can restrict drivers by long time, which will reduce the level of perceived risk, consequently lowering the agio you need to pay.At BestBuy we believe if your car policy company has all the right data and is evaluating your risk level effectively you should not have to pay exorbitant prices.Other optional benefits include :
What benefits should I seek out when choosing a motor vehicle insurer?
- Lifetime guarantee on repairs for as long as you own the vehicle
- Nominate your preferred repairer
- No forms to fill in ever, including application and claim forms
- 21 day money back guarantee if you cancel your policy
Terms and conditions apply (Please see our Benefits, which could be significant to you include : Terms and conditions apply ( Please see our Product Disclosure Statement for details ) .
What are some of the factors which contribute to why I have a different premium to my friends?
car insurance premiums are calculated based on the level of ‘risk ‘ the indemnity underwriters associate with you and your cable car. then simple factors that differentiate you and person else lend to the perception of ‘risk ‘.
risk is primarily affected by the reach and model of the cable car, the old age of the driver/s and the driver ‘s history, american samoa well as residence. For exercise, not all insurers treat each suburb the same. In summation, where you park the cable car at night will much affect your premium.
The frequency of claims is besides considered cautiously. Our underwrite is more comprehensive than most other cable car insurers, which allows us to offer more competitive rates to australian drivers .
What is the difference between agreed and market value?
market value is the reasonable cost to replace your vehicle with one of the same make, model, age and condition as your vehicle at the time of loss or damage.
Agreed value is the measure we agree to insure your vehicle for during each term of policy. The value may change each time you renew the policy.
What is the difference between Comprehensive, Third Party Fire and Theft and Third Party Property Damage?
With Third Party Fire and Theft cover, you will get third party property cover, plus cover for your own car if it is stolen or catches fire.
Third Party Property Damage Only, is the lowest level of cover we offer; it doesn’t cover any damage done to the insured car, only damage to the third party’s car.
For more details click comprehensive examination offers the greatest level of cover as it covers wrong to your car and the third party ‘s car.With Third Party Fire and Theft cover, you will get third party property cover charge, plus cover for your own car if it is stolen or catches fire.Third Party Property Damage only, is the lowest degree of cover we offer ; it does n’t cover any damage done to the insured car, entirely damage to the third gear party ‘s car.For more details click hera
What are personal effects?
At BestBuy we provide cover for damage to your personal effects resulting from a collision involving your car. Limits do apply (Please see our personal effects are your personal belongings that are in your car at the time of an accident.At BestBuy we provide binding for damage to your personal effects resulting from a collision involving your car. Limits do apply ( Please see our Product Disclosure Statement for details ) .
Why do we record our telephone conversations?
telephone calls are recorded to allow us to avoid all the paperwork you might otherwise meeting. It besides means we can offer immediate cover, as we are not waiting on forms to be filled out and processed.
Another reason is that it allows us to undertake service choice assessments, which helps us ensure all our operators are focusing on delivering you the best possible customer military service .
What is a No Claims Discount (NCD)?
Ratings start at 6 (0% discount) and decrease for each consecutive year you don’t make a claim. Our NCD is capped at 5 years and when you reach this, we apply the maximum no-claim discount, Rating 1 (15% discount). If you make one or more at fault claims, on renewal your NCD will reduce by 2 levels for each claim and the discount on your insurance will decrease accordingly. Different terms apply if you have purchased the NCD Protection option or have Rating 1 for Life.
Full details on how your No Claims Discount works is available in our Car Insurance A no-claim discount rate ( NCD ) is a discount on your comprehensive car indemnity bounty that increases each year you don ’ t make an at-fault claim ( it ’ randomness besides sometimes called a no-claim bonus or no-claims entitlement ). The more consecutive years you ’ re insured and stay claim-free, the bigger your discount.Ratings start at 6 ( 0 % rebate ) and decrease for each straight class you don ’ t make a claim. Our NCD is capped at 5 years and when you reach this, we apply the maximal no-claim deduction, Rating 1 ( 15 % discount rate ). If you make one or more at fault claims, on renewal your NCD will reduce by 2 levels for each claim and the deduction on your policy will decrease accordingly. different terms apply if you have purchased the NCD Protection choice or have Rating 1 for Life.Full details on how your No Claims Discount works is available in our car indemnity Premium, Excess and Discount Guide.
What is the difference between a Rating 1, No Claim Discount and No Claim Bonus?
They are different terms for a scale that insurers use to rank your driving history and hazard. Rating 1, NCD and NCB, all refer to a rebate that is applied to the full premium .
Will I lose my NCD if I have an accident?
You can protect your Rating 1 ( utmost No Claims Discount ) by selecting our NCD security option. This allows you to have 1 claim per 12-month period of having a BestBuy Car insurance policy, or up to 2 claims in 3 years without affecting the Rating 1.
If you have NCD auspices with us for 2 straight claim-free years, you will qualify for a Rating 1 for life. ( Which means all claims have no effect on your NCD ). however, you will not lose any NCD on renewal following a window glass claim, or if the other vehicle in a collision is entirely at demerit and the driver is identified to us. For early claims, your NCD may be reduced at reclamation.
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If I choose market value how do I know how much my car is insured for?
If you want an idea of what your car may be worth you can search for your car on market value is the reasonable price to replace your vehicle with one of the lapp make, model, historic period and condition as your vehicle at the time of loss or damage.If you want an idea of what your car may be worth you can search for your car on Redbook ‘s web site .
Who is the underwriter for BestBuy Car Insurance?
BestBuy Car Insurance policies are cover by Auto & General Insurance Company Ltd. Auto & General Insurance Company Ltd is an australian Insurer authorised to conduct insurance business in Australia by the australian Prudential Regulatory Authority ( APRA ) .
What if I have to make a claim?
In most cases you will be able to deal with all claims requests over the phone. We aim to have all claims processed promptly to avoid any inconvenience. If you need to make a call shout 1300 304 341 and one of our claims consultants will help you get back on the road arsenic soon as possible.In most cases you will be able to deal with all claims requests over the call. We aim to have all claims processed promptly to avoid any inconvenience .