Why choose Ford Insure

Ford Genuine Parts¹ maintain the integrity of your car by ensuring it performs the way it’s meant to. It’s the same with Ford Insure. Because this insurance is made specifically for your Ford, it offers key features to restore your vehicle to a high standard. These benefits are standard in every policy:

Extended insurance packages

Whether you bought your Ford to explore the great outdoors or as a work vehicle, our standard dealer-fit accessories², off-road³ and trailer/caravan¹² cover mean that most situations are taken care of. Our Optional Extension packages offer tailored cover at great value for those who want more.

Collision Assistance and Claims Support

Have peace of mind that if your Ford is in an incident or damaged, Ford Insure includes Choice of Repairer⁸, Genuine Ford Parts¹ and Certified repair methods. This allows you to utilise the Ford Certified Collision Network with Ford Collision Assistance. Call to find your nearest Ford Certified Repairer and access end to end claims support, including online lodgement, so you can get back on the road sooner.

Collision Assistance

Frequently Asked Questions

• Q: What is Ford Insure?

  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:

  • New genuine Ford parts¹
  • Dealer fitted accessories²
  • Automatic off-road cover³
  • Removal of excess for glass damage⁴
  • Financial GAP cover⁵
  • Flexible payment options⁶
  • 3 years new for old replacement⁷
  • Choice of repairer⁸
• Q: How much does Ford Insure cost?

  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;
  • 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
• Q: I purchased my Ford second hand. Can I obtain coverage for it?

  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.

• Q: We have another car that isn't a Ford, can this be added to the policy?

  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.

• Q: How do I get a quote or contact Ford Insure?
  • 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
• Q: How do I submit a claim?

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

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

• Q: My child is a learner driver and I want to teach them to drive in the car insured with Ford Insure. Do I need to inform you?

  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.

• Q: Are car keys and re-coding covered?

  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.

• Q: Is my child seat or baby capsule covered?

  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.

• Q: I carry tools in my vehicle. Are they covered?

  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.

• Q: Is a hire car included?

  The Insurer automatically includes coverage in the event of theft, subject to the PDS. This benefit can be upgraded to include coverage for accidents. The Tradie package and Lifestyle package include this upgrade. 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.

• Q: What items does Lifestyle Extension Cover?

  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.

• Q: What does Choice of Repairer mean?

  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.

• Q: Do genuine Ford parts¹  make a difference?

  Genuine Ford parts¹ 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.

• Q: What does New for Old Replacement⁷ mean?

  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 registered⁷.

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

• Q: What does New Genuine Parts¹ mean?

  New Genuine Parts¹ 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 Parts¹ 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.

• Q: What does Flexible Payment options mean?

  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.

• Q: What do I do if I have a complaint?

  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

• Disclosures
  1. Some insurance companies may use repairers that could use non genuine parts to repair your vehicle. If your claim is accepted the insurer will use Genuine Parts when available. If not available, the insurer may use genuine reconditioned or recycled parts or ADR certified new, recycled or reconditioned parts. Refer to the Ford Insure PDS for full details.
  2. When purchasing your vehicle from a dealership, accessories included on the purchase invoice are included in cover, without the need to list them on your schedule. Refer to the Ford Insure PDS for full details.
  3. If Your Vehicle is damaged while it is being driven on a beach or off any public road, coverage may be available. Any claim will be subject to any applicable excess being doubled and the PDS terms and conditions. Refer to the Ford Insure PDS for full details.
  4. Automatic removal of your standard excess on glass damage means the Standard Excess will not apply if you sustain a loss where the only damage to your Vehicle was glass damage. Refer to the Ford Insure PDS for full details.
  5. Finance GAP Cover is only available in the event a vehicle is a total loss. Any payout is subject to a finance agreement with a finance company directly relating to the vehicle purchase and the financed amount exceeding the total loss payout, excluding any arrears. Refer to the Ford Insure PDS for full details.
  6. Premiums are payable annually or monthly, subject to minor adjustments (upwards or downwards) due to rounding and financial institution transaction fees apply. Refer to the Ford Insure PDS for full details.
  7. If your new vehicle is within 3 years of the first registration and is involved in a claim that is assessed a Total Loss, it may be replaced with a new vehicle of the same make and model, where a replacement vehicle is available. If the same make and model is not available, the Insurer may replace your vehicle with the nearest equivalent or suitable replacement. Refer to the Ford Insure PDS for full details.
  8. The Insurer may authorise repairs at your repairer of choice; pay you the reasonable costs of repairing your vehicle; or move your vehicle to another repairer that is agreed upon. Refer to the Ford Insure PDS for full details.
  9. The Insurer automatically includes coverage in the event of theft, subject to the PDS. This benefit can be upgraded to include coverage for accidents. The Tradie package and Lifestyle package include this upgrade. 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.
  10. With the Tools of Trade option, the insurer provides coverage up to $5,000 for tools, trade stock or materials stolen via forcible and violent entry to your securely locked vehicle or damage to trade tools, stock, and materials from a locked vehicle or fixed toolbox, or due to a vehicle collision. It does not cover cash, negotiable instruments, computers or navigation devices used in connection with any trade or business. Refer to the Ford Insure PDS for full details.
  11. Lifestyle Extension provides coverage for your bicycles, camping gear and other items used for sporting or leisure, max $5,000 any one claim. Refer to the Ford Insure PDS for full details.
  12. The insurer covers theft or accidental loss/damage to your owned trailer/caravan when attached to your vehicle, or detached within your home's land boundaries but not incommon areas of multi-unit homes. Contents in or on the trailer/caravan are not covered. The maximum the insurer will pay for one incident is the market value of the caravan/trailer up to $5,000. Refer to Ford Insure PDS for full details

  Eligibility for customer or vehicle is subject to meeting the Ford Insure underwriting criteria and will be determined according to personal circumstances.

  To check eligibility, contact Ford Insure at www.ford.com.au/owners/Insurance or call us on 13 FORD.

  Any advice in relation to the insurance product is provided by Willis Australia Limited ABN 90 000 321 237, AFSL 240600 (“WTW”).

  While all reasonable skill and care has been taken in preparation of this it should not be construed or relied upon as a substitute for specific advice on your insurance needs. The advice is not based on your personal objectives, financial situation or needs. Accordingly, you should consider how appropriate the advice is to those objectives, financial situation and needs before acting on the advice and, before buying the product, you should read the current Product Disclosure Statement (PDS) and Target Market Determination (TMD) prepared by the insurer, HDI Global Specialty SE – Australia, ABN 58 129 395 544, AFSL 458776 (“HDI”). Both the PDS and the product TMD are available wtwco.com/fordinsure. WTW receives commission benefits from the insurer. These fees and commission are disclosed in the WTW FSG and relevant client documentation.

  This insurance product is arranged by Ford Australia or your authorised dealer acting as a distributor of WTW for this product. In arranging this insurance, Ford Australia and your authorised dealer act on behalf of WTW and not as your agent. You should review and understand the WTW FSG. If you purchase this insurance Ford Australia and your Dealership will receive a commission from WTW. For further information or assistance please go to www.ford.com.au/owners/Insurance or call us on 13 FORD (3673).

  WTW are acting as agent of HDI Global Specialty SE- Australia under a binding authority agreement.