Credit Contract Indemnity (CCI)

CCI may help to cover your loan repayments if you suffer financial loss, or even pay off your outstanding loan if you die.

When you borrow money you enter into an agreement to repay it back at a certain rate and over a certain period.

However, things can change over time and whilst you may be fit and healthy today, with steady income and a secure future, unexpected events can very quickly change your situation.

Credit Contract Indemnity Insurance is designed to cover your loan payments in the event of the unexpected. This includes Death (natural or accidental), Terminal Illness, Accident, Disablement, Redundancy, Business Interruption, Bankruptcy, Suspension and Hospitalisation that occur during  the insurance period.

  • No stand-down. You are covered from start of the policy
  • No Excess when you make a claim
  • ACC Shortfall
  • Protects your credit rating

For a full list of specific terms, conditions and benefits please refer to the CCI Policy Booklet wording.

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Guaranteed Asset Protection (GAP)

GAP is designed to provde cover for any shortfall between what an insurance company may pay out on your vehicle, and what you actually owe on your loan.

When purchasing a new vehicle and committing yourself to loan repayments over an extended term, it’s wise to protect yourself against the unfortunate event of your vehicle being written-off as a total loss and the shortfall that can occur between the amount outstanding on your finance contract and the insurance payout you receive.

GAP insurance has been designed with exactly that in mind – to help pay the difference (the GAP) between what your vehicle insurance policy pays out and the balance you owe under your finance contract. We may also pay additional benefits, which are designed to help reimburse you for associated incidental costs.

For a full list of specific terms, conditions and benefits please refer to your Registration Certificate and the GAP Policy Booklet wording.

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Mechanical Break Down Insurance (MBI)

MBI (also known as a 'Mechanical Warranty') can help to cover the cost of any unforseen electrical or mechanical problems with your vehicle.

The fact is, motor vehicles do break down from time to time and, whilst you don’t expect it to happen to your vehicle, it’s reassuring to know that Quest Insurance has a policy to help protect you against the inconvenience and the costs of repair.

Your vehicle will be covered for the reasonable costs of repairing or replacing the actual breakdown of mechanical or electrical components due to a sudden and unforeseen happening during normal use. Cover is only available on vehicles that have travelled less than 300,000 kilometres at the inception of the policy.

For more information on the features and benefits of our Mechanical Breakdown Insurance policies please view our Summary of Cover.

For a full list of specific terms, conditions and benefits please refer to your Registration Certificate and the MBI Policy Booklet wording.

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Motor Vehicle Insurance (MVI)

MVI can help to provide cover for your vehicle if it is involved in an accident. This type of insurance is compulsory if a vehicle is being used as security on your loan.

Accidents, loss and damage to motor vehicles do happen, even to the most careful of owners. Comprehensive Vehicle Insurance covers you for unexpected events such as fire, theft and collisions, whether it’s your fault or not. You are also covered for transport, accommodation and towing costs.

Standard Policy Features include*:

  • Legal liability of $1,000,000 for third party damages
  • Replacement cost up to market value for total loss
  • Collision Damage
  • Fire Damage
  • Theft
  • Damage to someone else’s car
  • Vehicle towing
  • Transport to get you home (rental car or Uber)

For a full list of specific terms, conditions and benefits please refer to your Registration Certificate and the MVI Policy Booklet wording.

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Renters Insurance

Coming Soon.