Guild Car Insurance

Guild Insurance is an Australian-owned and operated insurer that has been looking after the cover needs of its customers since 1963. If you’re looking for car insurance that can give you the peace of mind you need to hit the road, Guild’s comprehensive car insurance offers new car replacement for cars less than two years old, your choice of repairer and a wide range of other benefits.

What policies are available from Guild

Comprehensive car insurance

Comprehensive car insurance from Guild covers your vehicle against loss, damage or theft anywhere in Australia. This includes new for old replacement of vehicles less than two years old, as well as cover for your trailer, emergency repairs and towing costs. Your personal effects and a hire car after theft are also included in cover, while the policy provides up to $20 million of legal liability protection when your vehicle is involved in an accident that causes death or bodily injury to other people or damage to someone else’s property.

Guild car insurance levels of cover

Comprehensive car insurance

What won't be covered?

Guild comprehensive car insurance will not cover your claim if:

Guild car insurance excess

When you make a claim under your policy, you may be required to pay an excess. The following excesses may apply to your policy:

• Standard excess. This is the minimum amount you must contribute to each claim.
• Age excess. This excess applies in addition to the standard excess for drivers who are under the age of 25.
• Inexperienced driver excess. If you’re a learner driver or a driver who is over 24 years of age but have not held your Australian licence for two consecutive years or more, the inexperienced driver excess applies.
• Imposed excess. An imposed excess may replace the standard excess on your policy at the insurer’s discretion based on your insurance history, driving record, vehicle type or other factors.

How to save on your Guild car insurance policy

There are several things you can do to reduce the cost of your Guild car insurance premiums, such as:

• Choose a higher excess. This will result in lower premiums.
• Keep your car garaged. Cars kept in a locked garage overnight are cheaper to cover than cars parked on the street.
• Drive less. The greater the distance you drive each year, the more your comprehensive car insurance policy will cost.
• Choose market value cover. Agreed value cover tends to cost more than market value cover.
• Fit security devices to your vehicle. This will reduce the risk of theft and therefore lower your premiums.
• Don’t select extra-cost benefits. Adding extra benefits to your policy will increase the premium.
• Discounts. Guild Insurance offers special promotional discounts from time to time. Keep an eye out for these when applying for cover.

Making a claim

If you need to make a claim on your Guild comprehensive car insurance policy, you can phone the insurer’s claims hotline. You’ll need the following information ready when you call:

• Your policy number
• A detailed description of the events that caused your claim
• The name, address and phone number of anyone involved in the incident (including witnesses)
• Police report details (if your claim is for theft or malicious damage)
• GST details, for example your ABN
• An estimate of the loss or damage to your vehicle

Your claims adviser will be able to guide you through the process and help you get a repair quote.

FAQ

• Who issues Guild comprehensive car insurance?

  The policy is issued by Guild Insurance Limited.

• How long is the cooling-off period?

  Guild car insurance features a 21-day cooling-off period. This means you can cancel cover within 21 days of purchasing a policy and receive a 100% refund.

• Can I pay my premium in monthly instalments?

  Yes, you can pay your premium in monthly instalments or as an annual lump sum.

• Which vehicles are covered under the policy’s new for old replacement benefit?

  New car replacement is provided if your vehicle, which is less than two years old from the date of original registration and has covered less than 60,000km, is a total loss.

• Are there any additional options available with cover?

  Yes, the following optional benefits are available when you pay an additional premium:

  • Hire car following accident
  • Excess-free windscreen cover
  • Cover for drivers under the age of 25

• Will I need to pay an excess when I make a claim for windscreen damage?

  Yes, an excess is payable unless you have selected the excess-free windscreen optional additional cover.

Guild car insurance is well worth a look if you’re searching for comprehensive cover for your vehicle. However, remember to compare it with policies from a variety of other insurers before deciding whether it offers the right cover for you.