Covers the largest financial risk to your vehicle

What is Replacement Insurance Cover?

Vehicle Replacement Insurance (VRI) tops up the difference between your Motor Insurers settlement and the original amount you paid for your car depending on the VRI cover you choose. Vehicle Replacement Insurance (VRI) is available to you whether you paid cash, borrowed the money from a Bank or arranged a Motor Loan.

VRI gives you added protection if your car is declared a "Total Loss".

Motor Insurance settles the depreciated value, not the amount you originally paid. VRI helps you recoup the original price you paid for your car.From the second you start driving your car it's depreciating. Insurance Companies depreciate cars by up to 60% over a three-year period. It makes good business sense to cover that depreciation amount.

What Is Gap Cover

Covers* the difference between your insurance payout and what you owe on your loan at the time of Total Loss or "Write Off".Often even agreed value Insurance will not cover the entire cost of finance (including exit fees that can cost thousands of dollars).

Will make an additional payment to you for "Out of Pocket Expenses" for example stamp duty and dealer delivery on a replacement vehicle'. Please refer the PDS for a full list of Out Of Pocket Expenses. If there is Nil GAP payable due to the comprehensive payout being greater than the car loan then a NIL GAP Extra Benefit is payable.

Gap Cover Benefit

Helps you get back on the road in a car of your choice quickly.

Covers Motor Vehicle Finance, Covers Motor Bike Finance, Covers Boat Finance, and Covers Caravan Finance.

Contact Us for more information by completing online enquiry form.

Motor Warranties you can purchase after you have purchased your car either through an Auction, Privately, Import, from a Dealer, or

Motor Warranties you can purchase as a renewal to your previous warranty as it is running out of cover, or,

Motor Warranties you can purchase as a renewal to your previous warranty that has run out of cover.

How do I qualify?

Simply produce a written report on your car by your certified mechanic, and we will either accept or decline your request for a warranty based on the report, or request to have this cover included by the dealer prior to purchase to ensure your car is covered the moment it leaves the yard.

Why is this good?

Actually it's fantastic. POMI is the only website in Australia where you can buy a Warranty online, cheaper, and with a pay by the month option whether you have bought your car privately, through a dealer or if your car is out of warranty and you would like to add the 'Peace Of Mind' of a warranty to your car.

Do all car manufacturers qualify?

Yes! Naturally the more expensive or 'Prestige' your car is, the more expensive the parts are to replace so make sure you include enough cover to protect you from an unforeseen mechanical breakdown.

Contact Us for more information by completing online enquiry form.

We also offer tailor design premium cover for prestige vehicles processed on case-by-case basis.

We only deal with insurers that are authorised by the Australian Prudential Regulation Authority to conduct new or renewal insurance business in Australia and are on the Register of Authorised Insurers under Section 122 of the Insurance Act 1973.

Insurers on the Register are authorised under Section 12 of the Insurance Act 1973 or by virtue of determination made by APRA under Items 4 and 5 of Schedule 2 of the General Insurance Reform Act 2001.

The Australian Prudential Regulation Authority (APRA) is the prudential regulator of the Australian Financial Services Industry. It oversees banks, credit unions, building societies, general insurance and reinsurance companies, life insurance, friendly societies, and most members of the superannuation industry. APRA is funded largely by the industry's supervisors. It was established on 1st ofJuly 1998. APRA currently supervises institutions holding approximately $3.4 trillion in assets for 21 million Australian depositors, policyholders and superannuation fund members.