Insurance

National Capital Finance has a wide range of car insurance products to protect you, your family, and your new purchase. We have put together some information about car insurance, including GAP Cover, loan protection and extended warranty insurance, Tyre and Rim Cover, for your perusal below. Call 1800 637 311 to get a quick quote.

Car Loan Protection Insurance

National Capital Finance have a facility available called Loan Protection that will pay your loan repayments if you cannot work due to sickness, injury or disease, or if you become involuntarily unemployed. This facility will even pay your outstanding balance up to the policy limit should you die.

• Cover is available for joint owners/applicants.

• Loan Protection is Financed as part of your loan

• Covers the whole term of the loan.

 Any claim under this cover will be paid in addition to any of your sick leave or compensation entitlements, and gives protection to your family or loan guarantor rather than passing the burden of debt, it will can even be a Tax deduction in some circumstance..

Shortfall Insurance

Shortfall Insurance protects you as a borrower by paying the shortfall amount owing to your credit provider or bank if, in the event that you have a total loss due to accident, theft or damage, and the amount received from your comprehensive insurer is inadequate to finalise the loan on your vehicle. Shortfall Insurance will also give you an out of pocket amount depending on what level you get. Cover is available for joint owners/applicants.

• Loan Protection is Financed as part of your loan

• Covers the whole term of the loan.

• Pays you from $1,000 to $10,000 in out of pocket expenses.

 Call us, let us help protect you and your new investment.

Loan Calculator

Use our car loan calculator to access the amount you best suits your monthly repayment amounts. This loan Calculator is not an offer and has no legal effect. It is simply a guide only. All interest rates, amounts and terms are based on your personal situation and circumstance. The repayment results in every case are approximate only. Please contact us for a finance quote before applying. 

Extended Warranty

Sometimes called Extended Warranty, this insurance safeguards you in case of faults or breakdowns giving you added security and peace of mind.

Mechanical Breakdown Cover

Sometimes otherwise known as Extended Warranty, this product safeguards you in case of faults or breakdowns giving you added security and peace of mind. National Capital Finance offers mechanical breakdown cover to customers to protect their investment against potential mechanical failure. These products provide similar protection to what you can get when buying through a dealer.

• You can choose the vehicle you want, without concern for warranty. *conditions apply

• Mechanical Breakdown cover may be financed if you take a loan

• Mechanical Breakdown may be purchased using any major credit card and Pay by the month facilities can be arranged

• Some Mechanical Breakdown Policies can be transferred if you sell your car, boat or Bike. This is a huge feature to a prospective buyer when you’re trying to sell your car or boat.

• Protects your savings in the event of an unforeseen failure

The warranties will generally cover the costs of those repairs, parts & labour. There can be limitations – you must still pay for normal wear & tear items like new tyres, light bulbs and other general maintenance when required, but the warranty should cover the bulk of those unexpected mechanical failures.

Tyre & Rim Insurance

Tyre & Rim Insurance is a trouble free and value for money solution to protect you in the event that your vehicles wheel rims or tyres are damaged*. Coverage include tyres being punctured or damaged by a pothole, kerb, nail, screw, metal, glass, road debris or a blowout, and wheel rims becoming cracked, warped or a misshapen by a pothole, kerb or road debris.

Benefits include:

• One year protection or

• Three years of protection

• No excess on claims

• Towing to the nearest Beaurepaires store if your vehicle cannot be driven following tyre or wheel rim damage, and there is no spare wheel in your vehicle Additional policy entitlements which are available throughout the three or 1 year policy term include:

• 5% discount on Dunlop and Goodyear tyre purchases made from any Beaurepaires store. • Free annual Safety inspection from any of the 320 Beaurepaires stores nationwide You may optionally elect to take include 24 hour roadside assistance, including coverage for:

• Flat tyres,

• Flat battery,

• Running out of fuel,

• Keys lost or locked in the vehicle,

• And more!

Purchase Price Protection

Purchase Price protection (also known as PPP or Purchase Price Protection) is insurance against a potential shortfall between the purchase price of your vehicle and your Comprehensive Motor Vehicle Insurance payout in the event that your vehicle is declared a total insurance loss (stolen or a "write off"). You could be left with a shortfall of thousands of dollars.

In the event of a total loss due to accident, theft or the like, your Comprehensive Motor Vehicle Insurance payout will typically be determined by the market value of your vehicle at that time. This may not be the same as the price you originally paid for the vehicle.

Benefits of Purchase Price Protection:

• Up to Three years cover available.

• Available to Cash or Finance customers

• Pay by the month or up-front payment for this cover

• Reduces your financial exposure to a potential shortfall between your Comprehensive Motor Vehicle Insurance payout and the purchase price of your vehicle (up to $40,000).