Luxury Car Insurance

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A Guide to Luxury Car Insurance

SC Luxury Car insurance is designed to provide coverage for your luxury vehicle in case of accidental damage or theft. It can also protect you financially by covering the costs of repairing or replacing another person's vehicle if you are at fault in an accident. Our luxury car insurance policy allows you to choose between insuring your vehicle for an agreed amount or for its market value.

“More than half of Australian drivers (58%) narrowly avoid a car crash at least once a month, while 18% of drivers said they experienced close calls on a weekly basis.”

——Australian Road Safety Foundation

Who Should Consider Luxury Car Insurance?

Comprehensive Car Insurance can be very helpful in case your luxury car is damaged in an accident where you are at fault, as it can cover the cost of repairs or even replace your car entirely if it is deemed a write-off. Additionally, if your car is stolen, comprehensive car insurance can provide you with the agreed or market value so that you can purchase a replacement. 

Third-party property damage (TPPD) insurance is a standalone policy that covers the costs you may be liable for if you damage or write off someone else's car while at fault. However, if you only have this type of cover, there will be no coverage for any damage sustained to your own car.

What Does Luxury Car Insurance Cover?

Our luxury car insurance policy offers comprehensive protection for your vehicle against damage, loss, or theft. Additionally, our policy comes with added benefits to give you greater peace of mind. The exact cover you receive depends on your chosen policy, but here are some examples of the benefits that may be included:

  • Cover for repairing or replacing your luxury vehicle if it's damaged or stolen.

  • Cover for damage you cause to someone else's vehicle.

  • Cover for the finance gap between the insured value and the vehicle's contract residual value for financed cars following a total loss.

  • Replacement of the same make and model if your new vehicle is written off.

  • Automatic 21-day cover on replacement vehicles.

  • Up to $30 million of legal liability cover.

  • Rental car cover if your car is stolen.

  • Re-keying and re-coding of vehicle keys if stolen.

  • Choice of your own repairer or one from our preferred repairer panel.

  • Repair guarantee for materials and workmanship on authorised repairs.

  • Option to include one excess-free windscreen claim per year.

  • Option to include hire car cover following an accident, with no additional excess except for young or inexperienced drivers if they are named.

Our Luxury car insurance can cover a range of different types of high-end vehicles, including:

  • Sports cars

  • High-performance vehicles

  • Exotic cars

  • Classic cars

  • Luxury SUVs

What Is Typically Excluded From Coverage?

The coverage may vary depending on the policy you choose, but typically you will not be covered if the vehicle is:

  • Being operated by an unlicensed driver.

  • Being operated by you or any other driver under the influence of drugs or alcohol.

  • Being used for any motorsport or timed event.

There may be other exclusions that your car insurance broker can explain to you. Additionally, there is usually a deductible or excess that applies to your policy.

CONTACT US TODAY to speak with our experienced insurance brokers and learn more about how we can help with your insurance solutions.

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