Insurance Assistant
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Motor Insurance
APS Financial Group Insurance Brokers delivers tailored motor insurance solutions for businesses. Your vehicle protection needs deserve specialized coverage from experts who understand motor risks and liability with comprehensive coverage for financial stability.
Get a Quote NowFrequently Asked Questions
What types of motor insurance coverage are available?▼
We offer comprehensive, third party fire and theft, and third party property damage coverage to suit different needs and budgets, ensuring you find the right protection for your vehicle.
What's the difference between comprehensive and third party coverage?▼
Comprehensive covers damage to both your vehicle and others in an accident, while third party only covers damage you cause to other vehicles and property. Comprehensive provides the most complete protection.
What factors affect my motor insurance premium?▼
Premiums consider your driving history, vehicle type and value, your age and experience, where the vehicle is stored, annual mileage, and the level of coverage you select.
Can I reduce my premium with excess options?▼
Yes, choosing a higher excess can lower your premium. We offer flexible excess options so you can balance upfront costs with ongoing premium savings.
Are modifications to my vehicle covered?▼
Most policies require you to declare any modifications. Non-standard parts may need additional coverage, and undeclared modifications could affect your claim.
What should I do immediately after an accident?▼
Ensure everyone's safe, exchange details with other parties, take photos of the scene, don't admit fault, and contact us as soon as possible to start the claims process.
Are rental cars covered while my vehicle is being repaired?▼
Many comprehensive policies include hire car benefits after an insured accident. Check your policy details as coverage periods and conditions vary between insurers.
What happens if my car is written off?▼
If your vehicle is deemed a total loss, we'll pay the agreed value or market value (depending on your policy) minus any applicable excess, helping you replace your vehicle.
Can I drive other cars under my policy?▼
Some policies include coverage for driving other vehicles, but this is usually third party only. Always check your policy documents as this benefit is not included in all policies.
How do no-claim bonuses work?▼
No-claim bonuses reward claim-free driving with premium discounts that increase each year. These can significantly reduce your costs over time and are protected in some policies.