Car Insurance

What information do you need to provide me with a quote?

To be able to provide you a quote we require information such as: list of regular drivers and driving history, details about all drivers you want on the policy, as well as information about your vehicle, how you use it and where you keep it.

Once you have this information, you can obtain a quote online or contact our Customer Service Team on 1300 304 802 who are available 9am-6pm Monday to Friday AEST.

How long is my quote valid for?

A quote is valid for 30 days. If you require cover after 30 days, you will need to complete a new quote.

I was unable to finish my quote as it has been referred to the Customer Service Team. What does this mean?

If you have been referred it means we need to ask you a few extra questions to ensure we provide you with an accurate quote. Our Customer Service Team are notified of all referrals and will contact you as soon as possible to complete your quote. If you prefer to call us, you can reach us between 9am-6pm Mondays to Fridays AEST.

I tried to get a quote, but your system/team said you were unable to offer me a quote. Why?

If we were unable to provide you with a quote, it is because one or more of the answers you provided did not meet our underwriting guidelines. If this has happened to you, we suggest you contact the Insurance Council of Australia on:

Phone: 1300 728 228

Website: www.insurancecouncil.com.au

The Insurance Council of Australia have a ‘Find an Insurer’ service to assist you in your search for insurance.

When will my insurance start?

That’s entirely up to you. We can start your cover immediately or on a future date of your choosing. Once your policy has begun, you will receive a policy number, Product Disclosure Statement, Financial Services Guide and Certificate of Insurance outlining your policy details.

How do I cover my car conversions, modifications and accessories?

To ensure you are fully protected, please tell us about all your conversions, modifications and accessories before you finalise your policy. This way, you have total peace of mind.

I can’t find my vehicle on your list when quoting online. Why?

While we can’t offer insurance cover for all cars, there are some instances when we can still insure you even if your car does not appear in our vehicle list (for example: Toyota Alphard, Nissan Elgrand etc.). Please contact our Customer Service Team on 1300 304 802 between 9am-6pm Monday to Friday for assistance.

What should I do if I can’t find my address when quoting online?

If you are unable to find your address, please contact our Customer Service Team on 1300 304 802 so we can investigate this for you. Our hours of operation are 9am-6pm Mondays to Fridays AEST.

Is there a cooling off period?

Yes, there is a 21-day cooling off period. This means that you can cancel your policy within 21 days after your start date without any penalties. Your entire premium will be refunded as long as you have not made a claim during this time.

What payment options are available to me?

Payments can be made by credit card, direct debit or cheque.

Is it cheaper to pay annually?

Yes, paying the premium annually will give you an additional saving.

Can I pay by monthly installments?

Yes, monthly instalments are available through a direct debit with Blue Badge Insurance. There is a small additional fee involved with using this payment method.

When will my monthly payment be deducted by Blue Badge Insurance?

Payments will occur on the same day of each month from when the policy period commenced. If your payment falls due on the 29th, 30th or 31st and that month does not hold that date, it will be processed on the last day of that month.

Who is Attvest Finance?

Attvest Finance is the Premium funder whose monthly payments are arranged through. This only applies to policies that start with BCM or MOT.

Payments through Attvest Finance Pty Ltd are subject to their own terms, conditions and limitations and a monthly fee will apply that includes interest, taxes and charges.

Are my credit card details secure?

All credit card payments are made through eWAY, who adhere to the highest security standards set by Visa and MasterCard.

Will my personal information be secure?

Your security and privacy are of utmost importance to us and we are committed to handling your personal information in compliance with the privacy laws. You can view Our Privacy Policy here.

What should I do if I need to change my details?

If there are any changes that need to be made to your policy (e.g. you’ve moved or bought a new car) please contact our Customer Service Team on 1300 304 802 or info@bluebadge.com.au as soon as possible. We will provide you with a new certificate of Insurance detailing the changes you have told us for your records. A new Insurance Account will also be provided if your premium has changed.

How can I cancel my policy?

You can cancel your policy at any time by calling our Customer Service Team on 1300 304 802. Your cancellation will be effective as soon as we receive and process your request, at which time your insurance cover will cease.

Are there any fees or charges for cancelling my policy?

Depending on when you cancel your policy, some fees and charges may apply. Our cancellation fee is $22. Government charges may also apply. These fees and charges will be deducted from any refund we give you. Our Customer Service Team will advise you of all fees and charges at the time of cancellation. All refunds will be sent to you within 15 business days.

What do I do if I have a complaint?

If you think we have let you down in any way, or our service is not what you expected, please contact us so we can help resolve the issue. Blue Badge Insurance is committed to resolving your complaint efficiently and fairly.

You can contact us in any of the following ways:

  • Call us on 1300 304 802
  • Email us on enquiries@bluebadge.com.au
  • Write to us at about your complaint to the attention of: The Complaints Manager, PO Box 550, Kotara NSW 2289

We will listen to your complaints, consider the facts and respond to you within 15 business days. If we need more information or more time to respond properly to your complaint, we will contact you to agree an appropriate timeframe to respond.

What should I do if I have an accident?

If you have had an accident or someone has indicated they hold you responsible for an accident or damages, we will help you resolve it. Do not negotiate, promise payment, admit fault or authorise any repairs without speaking to us first. Please contact us about your claim as soon as possible on 1300 304 802.

What should I do if my car is stolen?

If your car has been stolen, you must report the theft to the police as soon as possible. After that, please contact our Claims Team on 1300 304 802 with the full details of the incident and provide the name of the police officer, date reported and any report reference number.

What information do I need to make a claim?

Depending on the circumstance of your claim, you will be asked to provide the following:

  • Details of the Vehicles involved;
  • Names, Driver’s Licence and contact details of the other drivers involved;
  • Contact details of any witnesses to the incident;
  • Accident details including date, time, location and occurrence;
  • Details of the road, traffic and weather conditions prior to the Incident.
What should I do if someone makes a claim against me?

If someone has made a claim against you, advise them that you are insured and that your insurer will look after the claim on your behalf.

Do not admit fault for the damage/accident and do not offer or promise to pay for any costs.

Please contact our Claims Team as soon as possible on 1300 304 802 so we can assist you.

In all cases, you should record as much of the other party’s details as possible (names, residential addresses, phone numbers, photos and vehicle details if applicable).

How long does it take to get a claim approved?

Once we receive all the required information from you, we will assess your claim as quickly as possible.

Can I choose my own repairer?

Yes, you may nominate a repairer of your choice subject to:

  • the repairer being appropriately licensed;
  • the provision of a quote for repairs; and
  • you allow us to assess your vehicle prior to authorising repairs

We may require a second quote from another repairer that we specify if we determine the first quote was not reasonable. More information on this can be found in your Product Disclosure Statement.

Do I have to pay an excess?

Yes. The excesses that apply are stated in your Product Disclosure Statement and in Your Certificate of Insurance. You will be advised of any applicable excess and when/how to pay it when you submit your claim.

Mobility Equipment Insurance

What information do you need to provide me with a quote?

To be able to provide you a quote we require information such as: your mobility scooter or wheelchair details, any information of scripting as well as where you keep it. Once you have this information, you can obtain a quote online or contact our Customer Service Team on 1300 304 802 who are available 9am-6pm Monday to Friday AEST.

How long is my quote valid for?

All quotes are valid for 30 days. If you require cover after 30 days, you will need to complete a new quote.

What should I do if my mobility scooter/wheelchair costs more than $10,000?

If the purchase price of your mobility scooter/wheelchair (including fixed accessories) is over $10,000, please call our Customer Service Team on 1300 304 802 so we can provide you with a customised quote.

I was unable to finish my quote as it has been referred to the Customer Service Team. What does this mean?

If you have been referred it means we need to ask you a few extra questions to ensure we provide you with an accurate quote. Our Customer Service Team are notified of all referrals and will contact you as soon as possible to complete your quote. If you prefer to call us, you can reach us between 9am-6pm Mondays to Fridays AEST.

I tried to get a quote, but your system/team said you were unable to offer me a quote. Why?

If we were unable to provide you with a quote, it is because one or more of the answers you provided did not meet our underwriting guidelines. If this has happened to you, we suggest you contact the Insurance Council of Australia on:

Phone: 1300 728 228

Website: www.insurancecouncil.com.au

The Insurance Council of Australia have a ‘Find an Insurer’ service to assist you in your search for insurance.

I am having problems using your online application process, what should I do?

If you have any issues arranging a policy online, please contact our Customer Service team on 1300 304 802 and they will happily assist you.

When will my insurance start?

That’s entirely up to you. We can start your cover immediately or on a future date of your choosing. Once your policy has begun, you will receive a policy number, Product Disclosure Statement, Financial Services Guide and Certificate of Insurance outlining your policy details.

Do you cover flood damage?

Yes, our Comprehensive Mobility Equipment Insurance covers flood damage under Section 1.

Does your cover extend to overseas travel?

Yes, under Sections 1 and 2 of our Comprehensive Mobility Equipment Insurance we will cover your insured scooter/wheelchair for 21 days while it is overseas or in the process of being transported by sea or air.

If you are going overseas for longer than 21 days and would like your insured scooter/wheelchair to be covered for the entire time, you can extend the overseas cover by calling us on 1300 304 802.

Please note, we do not cover third party injury and property damage in the USA or Canada.

Is there a discount for insuring multiple scooters/wheelchairs?

Yes. We apply a multi-policy discount when you hold one or more policies with Blue Badge Insurance.

How do I cover my mobility scooter/wheelchair modifications or accessories?

To ensure you are fully protected, please tell us about all your conversions, modifications and accessories before you finalise your policy. This way, you have total peace of mind.

I can’t find my scooter/wheelchair on your list when quoting online. Why?

If your scooter or wheelchair does not appear on this list, we may still be able to offer you cover. Please contact our Customer Service Team on 1300 304 802 between 9am-6pm Monday to Friday for assistance.

What should I do if I can’t find my address when quoting online?

If you are unable to find your address, please contact our Customer Service Team on 1300 304 802 so we can investigate this for you. Our hours of operation are 9am-6pm Mondays to Fridays AEST.

Is there a cooling off period?

Yes, there is a 21-day cooling off period. Should you wish to cancel your policy in that time, provided you have not made a claim in that period, the entire premium will be refunded.

What payment options are available to me?

Payments can be made by Credit Card, Direct Debit, Cheque or Monthly Direct Debits.

Is it cheaper to pay annually?

Yes, paying the premium annually will give you an additional saving.

Can I pay by monthly instalments?

Yes, monthly instalments are available through a direct debit with Blue Badge Insurance. There is a small additional fee involved with using this payment method.

When will my monthly payment be deducted by Blue Badge Insurance?

Payments will occur on the same day of each month from when the policy period commenced. If your payment falls due on the 29th, 30th or 31st and that month does not hold that date, it will be processed on the last day of that month.

Who is Premium Funding?

Premium Funding is the Premium funder whose monthly payments are arranged through. This only applies to policies that start with BMEC or contain COMPREHENSIVE in the policy number.

Payments through Premium funding Pty Ltd are subject to their own terms, conditions and limitations and a monthly fee will apply that includes interest, taxes and charges.

Are my credit card details secure?

All credit card payments are made through eWAY, who adhere to the highest security standards set by Visa and MasterCard.

Will my personal information be secure?

Your security and privacy are of utmost importance to us and we are committed to handling your personal information in compliance with the privacy laws. You can view Our Privacy Policy here.

What should I do if I need to change my details?

If there are any changes that need to be made to your policy (e.g. you’ve moved or bought a new scooter or wheelchair) please contact us on 1300 304 802 or info@bluebadge.com.au as soon as possible. We will provide you with a new policy documentation detailing the changes you have told us for your records.

How can I cancel my policy?

You can cancel your policy at any time by calling us on 1300 304 802. Your cancellation will be effective as soon as we receive and process your request, at which time your insurance cover will cease.

Are there any fees or charges for cancelling my policy?

Depending on when you cancel your policy, some fees and charges may apply. Our cancellation fee is $22. Government charges may also apply. These fees and charges will be deducted from any refund we give you. Our Customer Service Team will advise you of all fees and charges at the time of cancellation. All refunds will be sent to you within 15 business days.

What do I do if I have a complaint?

If you think we have let you down in any way, or our products and service are not what you expected, please contact us so we can help resolve the issue. Blue Badge Insurance is committed to resolving your complaint efficiently and fairly.

You can contact us in any of the following ways:

Call us on 1300 304 802

Email us on enquiries@bluebadge.com.au

Write to us at PO Box 550, Kotara NSW 2289

We will listen to your complaints, consider the facts and respond to you within 15 business days. If We need more information or more time to respond properly to your complaint, we will contact you to agree an appropriate timeframe to respond.

I have been referred for my online quote, what does this mean?

If you have been referred it means, there is some further information we require from you. A member of the Customer Service Team will be in contact with you as soon as possible. Our hours of operation are 9am-6pm Mondays to Fridays AEST.

What should I do if I have an accident?

If you have had an accident or someone has indicated they hold you responsible for an accident or damages, we will help you resolve it. Do not negotiate, promise payment, admit fault or authorise any repairs without speaking to us first. Please contact us about your claim as soon as possible on 1300 304 802.

What should I do if my mobility scooter/wheelchair is stolen?

If your equipment has been stolen, you must report the theft to the police as soon as possible. After that, please contact Our Claims Team on 1300 304 802 with the full details and provide us with the name of the police officer, date reported and any report reference number.

What information do I need to make a claim?

Depending on the circumstance of your claim, you will be asked to provide the following:

  • Photographs of the damage to your mobility scooter/wheelchair
  • Correspondence in relation to the circumstance of your claim
  • Statements from witnesses (if applicable)
  • If you are claiming for anything else covered by your policy, other than repairs, we will need copies of the original invoices
What should I do if someone makes a claim against me?

If someone has made a claim against you, advise them that you are insured with Blue Badge Insurance and that we will looking after their claim on your behalf.

Do not admit fault for the damage/accident and do not offer or promise to pay for any costs.

Please contact our Claims Team as soon as possible on 1300 304 802 so we can assist you.

In all cases, you should record as much of the other party’s details as possible (names, residential addresses, phone numbers, photos and vehicle details if applicable).

How long does it take to get a claim approved?

Once we receive all the required information from you, we will assess your claim as quickly as possible.

Can I choose my own repairer?

Yes, but if you don’t have a preferred repairer then we can help you find a suitable repairer. If your claim is approved, we must authorise any repairs before work can commence.

Do I have to pay an excess?

Yes. The excesses that apply are stated in the Product Disclosure Statement and in Your Certificate of Insurance. Our Claims Team will inform you of any excess that is applicable and when/how to pay it when you submit your claim with us.

Do you cover the replacement of tyres and batteries?

We will cover the replacement costs of tyres and batteries only if they have been damaged as a result of an accident. We do not cover wear and tear, deterioration or general maintenance issues for your mobility scooter/wheelchair.