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Professional Advice. Personal Service.

Car Insurance

Your vehicle is one of your most-used and most-valued assets. Whether you’re commuting, managing a busy family schedule, or driving for work, the right motor vehicle insurance protects you against the financial impact of accidents, theft, and unexpected damage.

At Dudgeon Berry Insurance Group, we act as your independent insurance broker. Rather than selling you a single product, we compare options from a wide panel of trusted Australian insurers to find a policy that matches your vehicle, your budget, and the way you drive.

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Dudgeon Berry provides market leading insurance services, with over 85 years combined experience.

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Professional Advice. Personal Service.

What is Car Insurance

Motor vehicle insurance is a financial product that covers the cost of repairing or replacing your vehicle following an accident, theft, fire, or other insured event. Depending on the level of cover you choose, it can also cover damage you cause to other people’s vehicles and property.

In Australia, all registered vehicles are required to hold Compulsory Third Party (CTP) insurance, which covers personal injury claims. However, CTP does not cover damage to vehicles or property. Motor vehicle insurance, whether comprehensive or third party, fills that gap.

As an insurance brokers, Dudgeon Berry works across a broad market to identify policies that reflect your individual risk profile, rather than fitting you into a standard off-the-shelf product.

Who needs car insurance

Motor vehicle insurance is relevant to virtually every vehicle owner in Australia. It is particularly important for:

  • Everyday drivers – Protecting your car or SUV against accident damage, theft, and weather events
  • Families with multiple vehicles – Ensuring each vehicle is appropriately covered, including those driven by younger or less-experienced drivers
  • Motorcycle riders – Covering bikes that often carry significant value and face unique road risks
  • Classic and vintage vehicle owners – Specialist agreed-value cover that reflects the true worth of your vehicle
  • Modified vehicle owners – Standard policies may exclude modifications; specialist cover ensures your upgrades are protected
  • People who use their vehicle for work – Tradies, consultants, and others who travel for business need a policy that includes business use
  • Those with a claims history – A broker can access insurers who will still provide competitive cover for more complex risk profiles

If you’re unsure whether your current policy truly covers how you use your vehicle, it’s worth speaking with one of our brokers. Many Australians are underinsured or unknowingly excluded from key benefits until they try to make a claim.

Professional Advice. Personal Service.

Why use an insurance broker for your car insurance?

Online comparison sites are convenient however they only show you what’s available through their panel, and they can’t assess whether a policy actually fits your needs. An insurance broker works differently.

At Dudgeon Berry, we take the time to understand your situation before proposing policy options. That means understanding your vehicle, how you use it, your driving history, and what level of financial exposure you’re comfortable with. We then compare options across a broad market, including products not available through direct or comparison channels.

Critically, we’re also there at claim time. If you need to make a claim, your Dudgeon Berry broker advocates on your behalf managing the process, liaising with the insurer, and working to achieve the best possible outcome for you.

With over 50 years of operational experience and a team that genuinely knows insurance, we provide the kind of professional advice and personal service that makes a real difference when it matters most.

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Frequently Asked Questions

What is the difference between comprehensive and third party motor vehicle insurance?

Comprehensive covers damage to your own vehicle plus damage you cause to others’ property. Third party property damage only covers damage you cause to others — it does not pay for your own vehicle. Third party fire and theft adds cover for your vehicle if it is stolen or destroyed by fire.

Do I need Compulsory Third Party (CTP) insurance as well?

Yes. CTP (Green Slip in NSW) is a legal requirement for all registered vehicles and covers personal injury claims. It is entirely separate from motor vehicle insurance, which covers property damage, theft, and repair costs.

Can a broker get me a better deal than going direct?

An independent broker compares policies from multiple insurers, including products not available to consumers directly. We also help you understand exclusions so you’re not caught out at claim time, and we advocate for you if you do need to make a claim.

Does car insurance cover business use?

Standard private policies typically cover personal use only. If you use your vehicle for work such as carrying tools, visiting clients, transporting goods, you may need cover that specifically includes business use or a separate commercial motor policy.

What types of vehicles can Dudgeon Berry arrange cover for?

Passenger cars, SUVs, utes, motorcycles, classic and vintage vehicles, modified vehicles, and light commercial vehicles. Separate specialist policies are available for caravans, campervans, and motorhomes.

What factors affect my motor vehicle insurance premium?

Insurers consider your vehicle’s make, model, age, and value; your age, driving history and claims record; how the vehicle is used; where it is garaged overnight; and the level of cover and excess you choose.

Talk to a Car Insurance broker today

Whether you’re insuring a single car or a household of vehicles, Dudgeon Berry Insurance Group provides professional advice and access to a broad market of trusted Australian insurers.

Contact our team for a no-obligation conversation about your motor vehicle insurance needs.

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Other Insurance Services

Not sure what coverage you need or you haven’t seen it in our list of services? No problem, chances are we can still help. Get in touch today.

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We prioritise building strong relationships with our clients, based on trust, transparency, and personal service.

Connect with us Today

We prioritise building strong relationships with our clients, based on trust, transparency, and personal service.