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Motor Insurance

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Product Benefits

Generous discounts

Generous discounts

You can receive discounts for the following:

  • If you have an approved electronic anti-theft device such as an alarm or immobilizer
  • If you keep the motor vehicle in an enclosed locked garage overnight
  • Paying the premium in full on or before the inception or renewal date
  • Restricting driving to insured only or insured & partner only
  • Claims free driving experience
  • More than one policy with us


Flexible Payment/Installment Plans

Flexible Payment/Installment Plans

Up to 10 months available.


Roadside Assistance

Roadside Assistance

Got a dead battery or a flat tyre? FREE with Comprehensive cover.


New Car Replacement

New Car Replacement

If within 12 months of purchase of the motor vehicle as new it is stolen and not recovered and/or damaged beyond economic repair, we will pay for a new motor vehicle of the same make & model.


Heritage Hospitalization and Personal Accident

Heritage Hospitalization and Personal Accident

If you and/or your partner suffer injury while using the motor vehicle as a result of loss or damage covered by the policy, we will pay you or your partner:

  • A daily allowance of $150 up to a maximum of 60 days if you or your partner are hospitalized for more than 5 days or
  • $20,000 should a death occur or
  • $10,000 for total and irrecoverable loss of sight in one or both eyes or
  • $10,000 for total and irrecoverable loss by physical severance at or above the wrist or ankle of one or more limbs


Legal Fees, Costs & Expenses

Legal Fees, Costs & Expenses

We pay reasonable costs or expenses for legal services incurred from an event which results in a claim covered by your policy.


Towing Costs

Towing Costs

If your motor vehicle cannot be driven as a result of loss of damage covered under the policy, we will pay the reasonable cost of towing it to a secure storage facility, nearest repairer or place of safety.


FREE Windscreen Cover

FREE Windscreen Cover

FREE with Comprehensive cover. Your excess and No Claims Discount will not be affected following a claim.


Generous discounts

Generous discounts

You can receive discounts for the following:

  • Paying the premium in full on or before the inception or renewal date
  • Claims free driving experience
  • More than one policy with us


Flexible Payment/Installment Plans

Flexible Payment/Installment Plans

Up to 10 months available.


Legal Fees, Costs & Expenses

Legal Fees, Costs & Expenses

We pay reasonable costs or expenses for legal services incurred from an event which results in a claim covered by your policy.



Heritage Plus*

Maximise your MotorCover protection for an additional premium

  • Increased Legal Liabilities to Third Parties Limits
    Up to $10,000,000 death & bodily injury any one event, $10,000,000 death & bodily injury to an individual and $250,000 property damage
  • Loss of Use
    If your vehicle is lost, destroyed or damaged under Section One of the policy, we will pay up to $75 per day, max 7 days, towards the daily rate for a rental vehicle
  • No Claims Discount Protection
    Allows you to make one “At Fault” claim in each policy year without losing any of your No Claims Discount, even if the accident is your fault.

*Available for an additional premium

Terms and conditions apply regarding the above



Take a look at our other optional extras

Drivers Under 25 and/or Driving for 2 Years or Less*

Drivers Under 25 and/or Driving for 2 Years or Less*

By naming these drivers your policy can be extended to cover them while driving your motor vehicle.

Trailers Extension*

Trailers Extension*

Island Heritage Trailer Extension Cover gives you peace of mind for your valuable extra loads.

Take a look at our other optional extra

Drivers Under 25 and/or Driving for 2 Years or Less*

Drivers Under 25 and/or Driving for 2 Years or Less*

By naming these drivers your policy can be extended to cover them while driving your motor vehicle.

Motor Insurance Details

Your policy covers you for the market value* of your motor vehicle or the sum insured**, whichever is less. At each renewal of your policy, the sum insured will be reduced to reflect the diminished value of your motor vehicle as a consequence of wear and tear and/or depreciation. Please contact us if you're not happy with your sum insured.

* This is the fair value of your motor vehicle at the date of loss or damaged in its condition immediately before the event giving rise to the loss or damage.

** This is the amount stated in the policy schedule or any endorsement(s).

You are covered for your legal liability in respect of:

  • Death of, or bodily injury to, any other person(s)
  • Damage to property belonging to any other person(s)

The excess is the first amount of any claim for loss or damage to your motor vehicle that you must pay. There are 3 types:

  • Standard - the amount specified in your policy schedule.
  • Imposed - an additional amount that we may impose depending on a drivers age, inexperienced driving, license status or any negative risk factor.
  • Voluntary - an additional amount that you choose to help manage your premium.

  • Damage to your motor vehicle
    Market value of your insured motor vehicle or the sum insured, whichever is lesser
  • Accidental breakage of windscreen, window glass or sunroof
    $1,500
  • Towing costs
    $300
  • Heritage Hospitalization & Personal Accident Benefit
    a)  a daily allowance of $150 up to a maximum of 60 days if you 
    or your partner are hospitalized for more than 5 days or
    b)  $20,000 should a death occur or
    c)  $10,000 for total and irrecoverable loss of sight in one or both 
    eyes or 
    d)  $10,000 for total and irrecoverable loss by physical 
    severance at or above the wrist or ankle of one or more limbs.
  • Legal Liabilities to Third Parties
    Death and bodily injury to any individual - $1,000,000
    Death and bodily injury any one event - $5,000,000
    Damage to property - $250,000

Motor Insurance Details

  • Legal Liability to Third Parties
    Death and bodily injury to any individual - $10,000,000
    Death and bodily injury any one event - $10,000,000
    Damage to property - $250,000

 

We're here to help

Our staff are happy to give you more details and answer your questions.

Call us on (345) 949 7280

Enjoy all the benefits of Island Heritage Motor Insurance...

Get A Motor Quote