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Motor Vehicle Insurance

Covering your motor vehicle against accidental damage and theft. It can also protect you from the financial costs of repairing or replacing another person's vehicle in an accident where you're at fault.

Who should consider Motor protection?

If your car is stolen, comprehensive motor insurance can pay you the agreed or market value, so you can buy another car.

Third party property damage (TPPD) insurance - can cover the costs you may be liable to pay if you are at fault and damage or write off someone else's car - is also available as a standalone policy.

Who should consider Business Interruption protection?

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If your business suffered an unexpected disruption such as fire, flood or storm - how long would it take to get up and running again?

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For most business owners, there are ongoing expenses that you need to pay even if you're not generating revenue.

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Business interruption insurance can get you through a temporary crisis by protecting your cashflow - so you can pay these expenses and help ensure the future of your business.

What can it cover?

Motor insurance provides you with extensive protection if your vehicle suffers loss or damage. The exact cover you can receive depends on the policy that you take out. But to give you an idea, here are some of the benefits

Your Vehicle

Cover to help repair or replace your vehicle if it is damaged or stolen.

Third Party Vehicle

Cover to help you pay for damage you cause to another person’s vehicle.

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Repairs

Choice of your own repairer or one from our preferred repair panel. Repair guarantee for materials and workmanship on authorised repairs.

Advice when it matters. Advocacy when it counts.

Case Study

Scenario: On your way home from work, you were involved in a minor accident with a SUV, which was your fault. While the other car had a minor scratch, your car had some serious damage. After pulling over, you contacted your insurance broker who took some details and arranged for your car to be towed and assessed.

Outcome: Because your policy also contained a rental car inclusion, they helped you arrange a hire car so that you could get to work. An assessor contacted you the next day, letting you know that your car could be fixed and that your insurance would cover the cost. They arranged to have it repaired at your smash repairer of choice. While you were waiting for your car to be repaired, you had access to the rental car - with the cost also covered by your policy.

*Disclaimer: The information contained in this case study is used only for the purpose of illustration. Individual circumstances, insurance and coverage may vary.

FAQs

Clear answers to help you understand our insurance solutions quickly and confidently

What can I expect from a Gow-Gates broker?

You’ll work directly with experienced brokers who take the time to understand your risk, challenge assumptions, and give advice that stands up when tested. We don’t disappear after placement. We stay accountable through claims, renewals, and change.

Do you work with businesses of all sizes?

We support a wide range of organisations, from growing businesses to complex national entities. Regardless of size, our approach remains the same: senior involvement, considered advice, and accountability for outcomes.

Which insurers do you work with?

We work with more than 150 Australian and international insurers. But our role isn’t to compare quotes, it’s to structure the right insurance program and negotiate outcomes on your behalf. We advocate for you in the market, not the other way around.

What happens if I need to make a claim?

Claims are where brokers prove their value. We manage the process end‑to‑end, challenge insurers where needed, and stay involved until resolution. You deal with the same team who advised you upfront, because accountability doesn’t stop when a premium is paid.

How do you approach insurance advice?

Insurance is a tool, not a product. Our advice starts with understanding your business, identifying where risk genuinely sits, and designing cover that reflects reality, not boilerplate policy wordings. That approach leads to better decisions and fewer surprises at claim time.

Let’s Connect

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