How to Apply for Accident Cover

Accident insurance is for the unexpected and protects against losses in the event the policy holder suffers a serious injuries or accidental deaths. Leading Australian insurance companies guarantee that adults’ ages 18 to 69 years are automatically accepted when they apply to obtain accident cover. This is a much easier insurance to obtain and one that offers Australians and their families the protection they require.

When comparing policies a “guaranteed renewal” policy ensures the insured the policy will remain valid provided they keep up with their premiums, or until the policy expires or they choose to cancel it. Accident insurance can be purchased in different amounts. Families with medical, health and disability and one or two children may not need as much as a family with many children. Policies can be purchased in various amounts which usually start around $50,000 and go as high as $1 million dollars.

How to Apply for Accident Cover

1. Start online. The Internet is the best source for accident cover and insurance providers work with third party insurance websites to offer the best rates possible. This is simply because the provider does not have the work involved and the savings is passed onto the customer.
2. Request a free quote. When you submit for a free quote from the third party insurance site, you will receive multiple quotes from leading Australian insurance providers within the industry offering their best rates. It is your duty to disclose all information they ask for honestly or you may end up with a different cost when you purchase the insurance, or future claims may be rejected. The quotes will arrive to your email box within a matter of minutes to hours.

3. Shop and compare. When you receive the quotes, then you can shop and compare the various quotes in your leisure. Here, it is important that you thoroughly understand the policies. Not all policies will have the same amount of coverage, nor will they cover the same accidents. Some policies will cover many more accidents than other. Policies may also have exclusions, so it is necessary to read the fine print. Most insurance providers do not require tests such as blood work and medical exams prior to accepting new applicants.

4. Purchase your insurance coverage. Accident insurance can be purchased online. When you receive your quote, you are being quoted a price for the coverage. If you do not have questions or concerns, you can purchase the insurance online. If there is something you would like to discuss, you can call the customer service number to discuss your matters. If you are ready to purchase, you can purchase the insurance online without hassle.

There are a number of leading Australian insurance providers within the industry who offer accident insurance. Accident insurance is an insurance that provides protection over and above other coverage policy holders’ may have and provides a lump sum payment so that the insured has the financial security they require during a difficult time.