Think of the last conversation you had with your friends, and it’s almost guaranteed there’s one topic that never got a single mention: car insurance.
That’s because it’s probably not as exciting as, say, discussing the latest reality TV couple to call it quits, or detailing your latest online dating nightmare.
But that doesn’t mean it’s not important.
Making smart choices when it comes to your car insurance can make life a little bit easier and help save you money (so there’s more in the bank when it comes time for Saturday brunch with the girls).
Here are our top tips of what to look for when choosing your cover—and with the end of the financial year fast approaching, it may be a good time to switch things up.
Avoid A ‘One Size Fits All’ Policy
You know those insurers that are made for just everybody, and in the process, end up being a good fit for nobody? It’s time to avoid those.
Choose an insurer that is made for you and your needs. Like Stella Insurance, made for women, by women. They’ve listened to what women want from an insurer, and have created a simplified, intuitive experience when it comes to finding the right policy.
Being unapologetically pro-women benefits you as a customer, with Stella’s products specifically designed for female drivers, to put them back in the driver’s seat. That’s because, women have less claims (due to them being, statistically, safer drivers) and when they do, it’s at a lower amount than our male counterparts*.
Stella Insurance helps put women at the forefront of making financial decisions. After all, we make up 51 per cent* of the population and make 80 per cent* of all the buying decisions in the home. So, it’s time to choose products that help empower women and challenge the gender bias.
Look For Extras That Benefit You
Nobody wants to pay for things they don’t need, so when it comes to finding car insurance, check out what optional extras are on offer.
Already included in Stella’s policies are things like theft and accident damage, up to $2000 for certain baby gear stolen from your car or damaged in an incident, and up to $1000 cover for loss or damage of certain personal items which are inside your car^.
There are also optional extras to choose from so you can customise your comprehensive policy to help suit your exact needs. Think roadside assistance (24 hours a day, 365 days a year), ‘no-excess’ windscreen cover and the option to be given a hire car for up to 14 days if your vehicle is out of action^.
Another major difference? Stella Insurance’s domestic cover, which means they won’t apply any excess to a claim for reported damage to your car that arises from a deliberate act by a current, or former, spouse or partner^.
Find An Insurer That Gives Back…And Not Just To You
We all love to be rewarded for doing the right thing, so choose a policy that offers a no claim reward. That means, for every consecutive year (up to a maximum three years) you don’t make a claim, or you only make a claim for an accident where you were not at-fault, your basic excess gets reduced^. Hallelujah!
There’s another major difference when it comes to Stella Insurance: the company is committed to empowering women and changing the game, not just in the insurance space, but in the wider world, too. That’s why they’ve partnered with Women’s and Girl’s Emergency Centre (WAGEC).
1 in 4 women experience some form of violence from an intimate partner, with WAGEC providing housing and support for those in crisis and helping to create safer futures for women and their families. Stella works with WAGEC to break the cycles of violence and social disadvantage, and address the underlying structural causes of domestic and family violence, homelessness and gender inequality.
Insurance that works hard for you and the community? Sign us up.
As the end of financial year approaches, there’s never been a better time to take charge of your finances. Get a quick quote and see how much you can save with Stella Insurance now.
Brought to you by Stella Insurance.
* Based on external analysis of comprehensive motor premium and claims information October-November 2019.
^Normal underwriting terms and conditions, limitations and exclusions apply. Read the PDS and the TMD available at stellainsurance.com.au to decide if this product is right for you. Stella Underwriting Pty Ltd (ABN 72 633 811 319) is an Authorised Representative (AR 001282046) of Allstate Insurance Pty Ltd (ABN 82 073 267 053, AFSL 239010) which is acting (under its own AFSL) on behalf of the product issuer, QBE Insurance (Australia) Limited (ABN 78 003 191 035, AFSL 239545).
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