Insurance

Ford Insure is a genuine Ford comprehensive Car Insurance product. Comprehensive car insurance covers you for accidental loss or damage to your vehicle (including fire or theft), and to other people’s cars and property resulting from an accident.

Features include:

• 3 years new for old replacement¹
• New genuine Ford parts²
• Choice of repairer³
• Flexible payment options⁴

Ford Insure has flexible policy options to allow you to tailor your cover. When calculating your premium we take a range of rating factors into account. These factors, and the degree to which they affect your premium, will depend upon the information you provide to us.
 

The following factors may have a significant impact on the calculation of your premium. This is not an exhaustive list:

• the year, make and model of the Vehicle;
• the Market Value we have assessed or Agreed Value declared by you for the Vehicle;
• your age and driving experience;
• the Aftermarket Accessories or modifications on the Vehicle;
• the place where the Vehicle is usually parked and garaged; and
• the claims experience in respect of all Vehicles and for drivers insured under the Policy.
   

Premiums will be reviewed on the renewal date of the Policy each year and may be varied depending on the claims experience or other factors which we may take into account

Yes. During the application you can select from a range of vehicles, not only new vehicles. Subject to the insurers underwriting criteria, terms and conditions apply, see www.wtwco.com/fordinsure for more details and apply online.

Yes. During the application you can select from a range of vehicles, not only Ford vehicles. Subject to the insurers underwriting criteria, terms and conditions apply, see www.wtwco.com/fordinsure for more details and apply online.

• To obtain a quote – go online to www.wtwco.com/fordinsure.com
• To ask a question about Ford Insure – contact the Business Manager at your local participating Ford Dealer

You can submit a claim by calling 13 FORD or lodging online.

For policies starting with prefix 108, 118, 153, 154 or 1654, claim here.

For policies starting with prefix MOTF, beginning or renewed from Jan 1 2024, claim here.

No, you do not need to inform us. Learner drivers are automatically covered provided the instructor is legally able to instruct a learner driver and meets the policy criteria as set out in your schedule and PDS.

If at the time of a loss or damage a licensed learner driver is in control of your vehicle, the excesses that will apply are those that would have applied to the licensed passenger who is instructing the learner.

Yes. If your keys are lost, destroyed, stolen or damaged, or if there are reasonable grounds to believe the keys may have been duplicated, the insurer will pay the costs of replacing and/or recoding the locks and/or keys up to $5,000 per event, per vehicle during period of insurance. See Ford Insure PDS for full details.

Yes. The insurer will pay the reasonable cost for loss of damage to a child's seat or baby capsule that is stolen from your vehicle or damaged in an accident or fire while contained within your vehicle. See Ford Insure PDS for full details.

If the "Tools of Trade" option or "Tradie Package" applies, and a claim is accepted for accidental loss or damage to the vehicle, the insurer will also cover the accidental loss or damage to tools of trade, trade stock and materials up to $5,000 for any one incident. See Ford Insure PDS for full details.

The Insurer automatically includes coverage for not-at-fault accidents or theft, subject to the PDS. This benefit can be upgraded to include coverage for at-fault accidents. Provided you have included this optional benefit, if your vehicle is involved in a covered Accident regardless of fault, under a Ford Insure policy the insurer will reimburse the cost of hiring a similar vehicle providing you obtain the insurers approval. Exclusions, limitations, and daily caps apply, see Ford Insure PDS for full details.

The “Lifestyle Extension” option covers items which are used for sporting or leisure, can include items such as bicycles, camping equipment and the like, up to $5,000 for any one incident. See Ford Insure PDS for full details.

Choice of Repairer gives you the opportunity to decide where your vehicle is taken for repair. This may be to a repairer you know and trust, or it may be to a repairer that is located conveniently to your home or workplace. If you don't know a repairer, we can recommend one of our selected repairers based on a location that is most convenient to you.
 

You may choose any licensed repairer to repair your Vehicle. However we may invite, accept, adjust or decline estimates or arrange to move your Vehicle to another repairer acceptable to both you and us.

Genuine Ford parts have been made or selected by Ford and rigorously tested as an integral component of the vehicle to meet high quality, safety and performance standards. This ensures that your Ford will drive, function and protect you the way it was intended.
 

They also provide a precise fit because they are manufactured to the same specifications as those of new vehicles. This ensures that body lines, contours and gaps are the same as when your vehicle was originally manufactured.

Where your Vehicle is a Total Loss, and we have agreed to pay your claim we will replace your Vehicle with a new vehicle of the same make model or series so long as it is available in Australia, and your Vehicle is less than 36 months old from when it was first registered1.

Refer to "3.3 New Vehicle Replacement" in the PDS for full details.

New Genuine Parts mean authentic new parts obtained through the authorised Ford Australia supply chain, so you can be assured that the parts fitted were designed and tested to Ford’s rigorous standards and will therefore perform as intended under collision conditions. Ford Insure uses New Genuine Parts for the life of your policy, regardless of the age of your vehicle, providing parts are still available for that model year.

If we accept a claim but are unable to fix a damaged part, where available in Australia at time of repair, we will use a new genuine manufacturer part. If new genuine is not available we will use genuine reconditioned or recycled manufacturer parts or Australian Design Rules certified new, recycled or reconditioned parts.

The policy is issued for 12 months with flexible payment options that mean you can choose to pay ether the full annual amount or pay 12 monthly instalments and no additional cost
 

Premiums payable by instalments may be subject to minor adjustments (upwards or downwards) due to rounding, and financial institution transaction fees may apply.

With all complaints relating to Ford Insure product, please feel free to get in touch with WTW Ford Insure team:

• By calling 13Ford
• By emailing fordinsure@wtwco.com