Motor Vehicle Insurance.
An accident, a theft, a write-off - and suddenly you're staring at costs you didn't budget for. The right motor vehicle insurance means that when something goes wrong, you're covered. Co-Pilot compares policies across 90+ insurers to find cover that matches your vehicle, your driving situation, and your budget.
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What Is It?
Motor vehicle insurance - types of cover and what each one protects
Car insurance is your financial safety net when things don't go to plan - whether your car gets stolen, damaged, or involved in an accident. It's there to cover unexpected costs so you're not left with a massive bill.
At Co-Pilot Finance & Insurance, we've got you covered. Drive with confidence knowing we're looking out for you.
How It Works
Comprehensive vs. third-party - choosing the right level of cover
You pay the premium; the insurer covers theft, damage and accidents. The part that varies wildly between policies is what counts as covered and how much you get back - which is exactly the part we compare.
What's Covered
What's included in motor vehicle insurance - standard and optional covers
Coverage varies between policy types and insurers. Here's what a comprehensive motor vehicle policy typically includes.
Theft & Damage
Covers your car if it's stolen or damaged from accidents - whether on the road or parked.
Liability Cover
Helps cover the costs if you damage someone else's car or property in an accident.
Rental Car Cover
Hire a set of wheels while yours is being repaired, so you're never stranded.
Choice of Repairer
Pick a repairer you trust to get your vehicle back to its pre-accident condition.
Loss of Finance Gap Cover
Helps cover the difference if your car is written off but you still owe money on a loan.
Windscreen & Glass Cover
Covers repairs or replacement if your windscreen, windows, or sunroof are damaged.
Who Needs It
Who needs motor vehicle insurance - drivers, owners, and business vehicles
CTP is legally required, but it only covers personal injury - not your vehicle or someone else's property. Additional cover is essential for:
Everyday Drivers
Everyday driving - commuting, school runs, weekends away. Covered without the drama.
Business Owners
Protect your company vehicles from damage, theft, and liability.
Delivery & Rideshare Drivers
Keep on track with the right cover for your work vehicle and income stream.
Learners & New Drivers
If you're just starting out, insurance helps protect you from the unexpected.
Why Co-Pilot
Why Co-Pilot for motor vehicle insurance - not just any broker
Most people compare a handful of direct insurers. Here's why working with a broker gets you better cover for your specific situation.
We work for you, not the insurer
As an independent broker, we have no loyalty to any insurer. Our job is to find motor vehicle cover that actually protects you - not the cheapest option that leaves gaps when you need to claim.
Insurer relationships that open doors
Access to 90+ insurers, including those with specialist appetite for modified vehicles, high-performance cars, and drivers with claims history that standard insurers will decline or price punitively.
Honest advice on agreed value vs. market value
Agreed value locks in your payout at claim time; market value can leave you short. We help you understand the difference and whether the premium is worth it for your specific vehicle.
Clear communication, no surprises
We explain your policy in plain language, review it at renewal, and are available when you need to make a claim - not just at sign-up.
Want cover that gives you confidence every time you hit the road? Get in touch with Co-Pilot Finance & Insurance today.
Hear What Our Clients Are Saying
“Steven has been absolutely amazing from start to finish! Not only did he make the whole home loan process smooth and stress-free, but even after we settled on our house, he didn’t just disappear – he kept in touch and continued helping us with reviewing our interest rate to make sure we’re always getting the best deal. He was always there to answer questions (big or small), explained everything clearly, and genuinely cared about helping us save money and feel confident every step of the way. Steven truly went above and beyond, and I’m so grateful for all his hard work and support. I’ll be recommending him to absolutely everyone I know – he’s the kind of broker you can really trust!”
Ghadeer A
FAQ
Common Questions About Motor Vehicle Insurance
The right cover costs less than one uninsured incident.
Co-Pilot compares motor vehicle insurance across 90+ insurers to find cover that matches your car, your driving situation, and your budget - comprehensive, third-party, or anything in between.
No impact to your credit score