FAQs
Find answers to some of our most commonly asked questions.
BIKE
Do I get a discount for insuring both my car and bike with Famous?
If I am over 40 do I get a discount?
Do I have to pay an excess?
If I have a dirt bike, am I covered while I'm riding it?
Can I decide who repairs my bike if I have a claim?
Do I get a No Claims Bonus (NCB) and how much is it?
What do I need to tell you about once the policy is in place?
When am I not covered?
Do I get a discount for insuring both my car and bike with Famous?
Yes, you do. If you insure both your car and bike with Famous we'll provide an additional 5% discount to you. Please speak to a Famous consultant on 1300 88 60 29 to find out more.
If I am over 40 do I get a discount?
If you take out a motorcycle policy and you are over 40 and all drivers of the vehicles are over 40 you will receive a discount.
Do I have to pay an excess?
For a dirt bike policy the basic excess you will have to pay for each and every non theft claim is $150. The basic excess applicable to theft claims is $350.
For a scooter and bike policy the amount of basic excess you have to pay will vary depending on your age, experience and the type of bike you have and whether or not your motorcycle was being ridden by an unnamed rider. There will also be an age or inexperienced rider excess if your bike is being ridden by or is in the charge of any named or unnamed rider under the age of 25. Your Famous consultant will be able to talk you through the excess that applies to you.
If I have a dirt bike, am I covered while I'm riding it?
No you're not. The events you are insured for include:
- fire explosion, lightening, earthquake and flood
- collision, impact, overturning or jack knifing of a vehicle transporting your dirt bike
- theft from a locked vehicle transporting your dirt bike while your dirt bike was locked into the carrying vehicle
- theft from securely locked premises
- malicious damage, while at locked premises.
Can I decide who repairs my bike if I have a claim?
You can choose a repairer or use one of our recommended repairers - it's your choice.
Do I get a No Claims Bonus (NCB) and how much is it?
A discount is provided to reward good riders. To provide this discount we consider your recent driving and riding history combined with the NCB granted by your current insurer. To obtain the maximum NCB of 65% you need to have 5 years of not making a claim on any motorcycle insurance with us or another insurer.
What do I need to tell you about once the policy is in place
You need to tell us about any changes to nominated drivers or additional drivers and if you change your contact details. If you are in doubt about the information you should tell us please give us a call. It could save you later on if your claim is rejected because of undisclosed information.
When am I not covered?
You will not be covered under certain circumstances, for example we will not cover claims for loss or damage or liability if the bike is being used illegally or for unlawful purposes. You will also not be covered if the vehicle is being driven by any person under the influence of drugs or alcohol. Please read your Policy Schedule and our policy wording for details of exclusions.
CAR
Do I get a No Claims Bonus (NCB) and how much is it?
What if I have a less than perfect driving record?
Do I have to pay an excess?
Are there rules about where I can store my car?
What if I make modifications to my vehicle?
What do I need to tell you about once the policy is in place?
How do I make a claim?
What are my chances of getting a claim paid?
When am I not covered?
Can I decide who repairs my car if I have a claim?
What kind of immobiliser should I get for my car?
Do I get a No Claims Bonus (NCB) and how much is it?
A discount is provided to reward good drivers. To provide this discount we consider your recent driving and riding history combined with the NCB granted by your current insurer. To obtain the maximum No Claim Bonus of 60% you need to have 5 years of not making a claim on any car insurance with us or another insurer.
What if I have a less than perfect driving record?
We look at each risk on its merits to get an understanding of not just the car, but the driver. Just because you have had a few speeding offences this does not necessarily make you a bad driver. We will consider people who have lost their licence or been charged with driving under the influence of alcohol. If you are unsure of your traffic record, check online at your local Motor Vehicle Registry.
Do I have to pay an excess?
The amount of basic excess you have to pay will vary depending on your age, experience and your claims history. There is also an age excess. The age excesses that apply to this policy are:
$750 while your motor vehicle is been driven by or is in the charge of any named person under the age of 21
$500 while your motor vehicle is been driven by or is in the charge of any named person over the age of 21 but under the age of 25
$250 while your motor vehicle is being driven by or is in the charge of any named person over the age of 75.
Are there rules about where I can store my car?
Depending on your circumstances - you may not be covered if your vehicle is parked on the street at night, unless your policy is endorsed to include 'Overnight Street Parking'. Contact us to find out more.
What if I make modifications to my vehicle?
We want to know about all the modifications you have made to your car - not just when you take out the policy, but when you renew your policy or if you make modifications to your car during the life of your policy. If you have undisclosed modifications then you could risk not having your claim paid.
What do I need to tell you about once the policy is in place?
You need to tell us about any modifications to your car, changes to nominated drivers or additional drivers and if you change address and your car will be garaged at a different location. If you are in doubt about the information you should tell us please give us a call. It could save you later on if your claim is rejected because of undisclosed information.
What are my chances of getting a claim paid?
If you provide us with all the relevant information at the time of application and through the life of the policy, we will happily process the claim (subject to the policy conditions and exclusions).
You have a duty to give us full and honest disclosure. If you don't provide us with all the information needed to assess the risk, we may be entitled to deny the claim.
When am I not covered?
You will not be covered under certain circumstances, for example we will not cover claims for loss or damage or liability if the car is being used illegally or for unlawful purposes. You will also not be covered if the vehicle is being driven by any person under the influence of drugs or alcohol. Please read your Policy Schedule and our policy wording for details of exclusions.
Can I decide who repairs my car if I have a claim?
You can choose the repairer or use one of our recommended repairers - it's your choice.
What kind of immobiliser should I get for my car?
Your immobiliser must comply with AS/NZS4601:1999 and have the following features to comply with our requirements:
- Three immobilser points with at least two of the points integrated into the security module
- Passive arming (works automatically on leaving the car)
- All wiring to be black and unmarked
- If remote operated (keyfob), the remotes are to be code hopping
- The immobiliser must not be able to be bypassed by cutting wires or removing fuses
- If the vehicle is a Subaru WRX series, it must be fitted with a 3 point immobilising keypad
The supplier and installer of your immobiliser must be licenced. This is a legal requirement in NSW.