Pay the right premium
Make sure the sum insured for your vehicle reflects its true market value. It’s what your premium is based on and also what you’ll get in the event of a total loss. Try searching Trademe Motors for a vehicle like yours of a similar age, condition and mileage. The sum insured is your vehicle’s market value excluding GST.
Replacing your windscreen is painless
Replacing a broken windscreen is easy when you're insured. There's no excess or claim form to complete. Simply take the vehicle in to your nearest Smith & Smith or Novus, along with the name of your insurer and policy number. We recommend you phone head with your VIN number so they can make sure a suitable windscreen is in stock.
Get back on the road while your ute’s in the shop
Adding a “loss of use” extension to your policy means you can hire a replacement vehicle while yours is being repaired. It covers up to $6,000 for 60 days max, but does cost about an extra 50% of the premium and has a stand down period of 7 days. Bear in mind that most replacement vehicles will be sedans or stationwagons, rather than vans or utes.