Reliable Motor Insurance to Protect Your Journey
Tailored car insurance and vehicle cover to keep you moving with confidence.
Financial Protection
Who Should Consider Motor Insurance?
If you drive any vehicle on Australian roads, quality car insurance protects you against unexpected financial shocks. An at-fault accident means paying for your own repairs and legal liability for third-party property damage.
Essential financial protection against costly third-party damage and vehicle loss.
Coverage Architecture
What Can Our Comprehensive Car Insurance Cover?
While Compulsory Third Party (CTP) insurance is legally mandated in Australia to cover personal injuries, it does not protect vehicles against damage. To safeguard your financial assets, Lesure helps you navigate the market to select from three primary levels of voluntary motor vehicle insurance:
Full accidental damage, storm, hail, theft, and $20M third-party liability.
Comprehensive Car Insurance
This is the highest tier of protection available, covering both damage to your own vehicle and your financial liability for damage you cause to others.
- Repairs/replacement regardless of fault
- Severe weather, hail, storm & flood cover
- Theft, key re-keying & vandalism
- New for old replacement within 2–3 years (insurer dependent)
- Rental car after theft or accident (optional / policy dependent)
- Legal liability cover up to $20M
Third Party Fire & Theft
A mid-tier vehicle policy that does not cover accidental damage to your own ride, but protects your car if it is stolen or damaged by fire, while maintaining third-party legal liability cover.
- Loss or damage caused by fire
- Loss or damage caused by theft
- Third-party property legal liability
- Zero cover for accidental crash repairs to your car
Third Party Property Damage (TPPD)
The most basic voluntary level of motor insurance. It only covers the damage you cause to other people's vehicles and property, providing zero financial protection for your own car or motorcycle.
- Damage caused to other people's cars
- Damage caused to roadside property
- Legal liability defense costs
- Zero protection for your own car
Transparency & Boundaries
What Isn't Covered? Navigating Exclusions & Excess
Standard car insurance and motor insurance policies typically exclude:
Unregistered / Unroadworthy Vehicles
Vehicles without valid Rego or driven in unsafe condition.
Driving Under the Influence
Incidents involving drivers over legal alcohol or drug limits.
General Mechanical Breakdown
Wear and tear, electrical faults, or mechanical failures (requires regular maintenance).
The Basic Excess
Your agreed upfront out-of-pocket payment per claim. We adjust this to help manage your premium.
The Lesure Advantage
Why We’re Different
Broker advice backed by the Steadfast network and decades of underwriting experience.
Agreed Value vs. Market Value
Choose agreed value or market value cover depending on your vehicle and preferences.
Choice of Repairer Options
Options to choose your own trusted repairer, subject to policy terms.
No Claim Bonus (NCB) Optimization
Reward clean driving records with rating protection and competitive discounts.
Personal Claims Management
Dedicated broker support from start to finish.
Cost Determinants
How Much Does Motor Insurance Cost?
Vehicle and car insurance premiums in Australia are calculated using several core risk factors:
Driver Profile
Age and driving history (drivers under 25 typically incur higher premiums).
Vehicle Specs
The make, model, market value, and any declared modifications.
Overnight Parking
Parking your car in a secure, locked garage yields significantly lower costs than parking on a high-risk street.
Vehicle Usage
Disclosing whether your ride is used strictly for private commuting or for business/ridesharing purposes.
Market Comparison Tip
Rather than accepting a generic renewal price from a single insurer, let our team shop the market for you. We benchmark across 140+ insurers to find suitable motor policy options for your budget.
Secure Your Peace of Mind on the Road
Don't wait for an unexpected accident to realize your cover falls short. Let our dedicated brokering team find the protection you and your vehicle deserve.
Frequently Asked Questions