Shopping for car insurance usually means comparing three numbers — the premium, the excess and a vague promise. Here is what actually matters inside a Redfern Shield motor policy, and the questions worth asking any insurer before you sign.
Comprehensive or third-party?
Comprehensive covers your car as well as everyone else's; third-party covers everyone else's only. If your car is worth more than two years of the price difference, comprehensive almost always wins — one hailstorm or car-park hit pays for years of the upgrade.
Excess, agreed value and the bonus
Your excess is what you pay per claim, so set it where it hurts a little but never breaks you. Agreed value locks in your payout figure up front, and a protected no-claim bonus survives one at-fault claim every three years — worth it for most careful drivers.
After an accident, do this
Check everyone is safe, photograph everything, swap details, and call us before you book repairs. Most Redfern Shield motor claims start within ten minutes, a hire car is arranged while yours is fixed, and windscreen chips never touch your excess or your bonus.
