Motor Vehicle Insurance

Northpoint Toyota provides a wide range of flexible personal and business insurance solutions.

We operate Australia-wide to protect you and your vehicle. At Northpoint Toyota, we understand that your vehicle is a critical part of your life, so we can offer you reliable and affordable protection in case the unexpected happens.

Please browse the information below and get in touch with us to find out more.

Motor Vehicle Insurance

We understand that your vehicle is a critical part of your life, so we offer reliable  and affordable  protection in case the unexpected happens. You can choose to insure your vehicle for its agreed value or market value.

Toyota Insurance Comprehensive Motor Vehicle policy includes cover for accidental loss, damage and liability for property damage, providing peace of mind with convenient and hassle free protection in case the unexpected happens.

Motor Vehicle Insurance may be purchased at any time. You can switch and enjoy the features and benefits offered by Toyota Insurance and even carry over your no claims bonus protection from a previous insurer.

For your convenience, you can choose to pay in monthly instalments or annually.

Toyota Insurance Overview


Factory Approved Extended Warranty Insurance 

Please Note:  Toyota's New Car Warranty changed to 5 years from January 2018                 FIND OUT MORE

Is my Toyota Eligible?

Factory Approved Extended Warranty insurance is exclusively available for Toyota pre-owned vehicles that do not have "Toyota Warranty Advantage" and can be purchased whilst the vehicle is still within the Toyota new vehicle warranty period. You can also purchase Factory Approved Extended Warranty insurance when purchasing a Toyota pre-owned vehicle from a Toyota Dealer, provided the vehicle is less than 8 years old, travelled less than 120,000km and is not covered by "Toyota Warranty Advantage".

Factory Approved Extended Warranty Insurance covers the repair or replacement of any Toyota component defective in materials or workmanship under normal operation and use. Plus, all repairs will be performed using only Toyota Genuine Parts. Any parts and accessories purchased will also be covered for the remaining period of cover.

Extended Warranty Insurance - non Toyota vehicles

Toyota Extended Warranty Insurance can be purchased for most new and pre-owned non-Toyota vehicles, provided the vehicle is still within its manufacturer's new vehicle warranty period.

You can also purchase Extended Warranty Insurance when purchasing a pre-owned non-Toyota vehicle from a Toyota Dealer, provided the vehicle is less than 8 years old and travelled less than 120,000km.

Download the full Extended Warranty Insurance PDS.


Finance Insurance

Outlined below are the two types of finance-related insurance we offer.

Finance Gap Insurance

If your new vehicle becomes a total loss, there may be a 'gap' between the amount your comprehensive insurer pays you and the outstanding balance on your vehicle finance contract. You may also incur extra costs associated with the purchase of your replacement vehicle. In these circumstances, Finance Gap Insurance helps to protect you from significant financial loss and personal inconvenience.

Depending on the option chosen, Finance Gap Insurance provides up to $30,000 for the 'gap' between the amount your comprehensive insurer pays you and the amount owed to your financier. It also provides
up to $4,000 for extra costs and up to $750 for the payment of finance establishment fees when your replacement vehicle is financed with Toyota Finance.^

With a simple one-off premium, Finance Gap Insurance covers you for the duration of your finance contract.

You have a choice of 4 cover options:

  • Option 1: Up to $30,000 'gap' and up to $4,000 additional expenses

  • Option 2: Up to $15,000 'gap' and up to $4,000 additional expenses

  • Option 3: Up to $10,000 'gap' and up to $2,000 additional expenses

  • Option 4: Up to $10,000 'gap' and up to $1,000 additional expenses

Finance Protection Insurance^

If you're off work for a length of time due to illness or accidental injury, or following involuntary redundancy, our Finance Protection Insurance policy is designed to help. It assists you in meeting your finance contract repayments up to the maximum cover amount you've chosen1.

Depending upon your circumstances, Finance Protection Insurance can help you to1:

  • Make your vehicle repayments
  • Reduce your financial burden
  • Keep your vehicle; or
  • Return your vehicle to exit your loan

If your claim is accepted, you can choose to terminate your finance contract and hand back your vehicle. We will pay any outstanding payment amount less the vehicle net sale price, less any arrears due on your finance contract subject to the remaining maximum cover amount you choose. 

Life's other unexpected events

Additional benefit options also let you hand back the vehicle if:

  • You're self-employed and are declared bankrupt
  • You have to quit work to care for a family member, or on the recommendation from a medical practitioner
  • You need to relocate to a posting overseas for more than one year

Organising Finance Protection Insurance?

A simple one-off payment can be included in the total amount being financed with Toyota Finance.

To find out more, download the Finance Protection Insurance Product Disclosure Statement (PDS).


Toyota Extra Care Roadside Assistance

Toyota Extra Care Roadside Assist provides you with reliable and secure roadside assistance for your vehicle
24 hours a day, 365 days a year, all around Australia, with unlimited call outs. Whether you need towing,
emergency fuel, jump starting, tyre changing or even help with lost or locked-in keys, help is just a phone call
away. And you know you'll be in good hands, because nobody knows your Toyota better than we do.

Key features:

     - 24/7/365 availability

     - Australia wide coverage

     - Unlimited call-outs

Levels of cover:

1) Toyota Roadside Assist:
  • Only $89 per year
  • Unlimited call outs
  • 24/7, 365 days a year roadside assistance
  • Nationwide assistance
  • Emergency fuel
  • Jump-starting and battery replacement
  • Flat tyre change
  • Help with lost or locked-in keys
2) Toyota Roadside Assist PLUS (in addition to above):
  • Only $129 per year
  • Emergency hotel accommodation
  • Emergency rental vehicle
  • Alternative transportation
  • Emergency parts supply

For more information, talk to Northpoint Toyota today.


Terms & Conditions

^ Terms and conditions apply. This advice is general in nature and does not take into account your objectives, financial situation or needs. Before making a decision to purchase any of the insurance products you should consider the appropriateness of the advice taking into account your own objectives, financial situation and needs and refer to the current PDS for the relevant product available from participating Dealers, via our website at or by calling 137 200. Toyota Insurance purchased in a dealership or via the Toyota Insurance National Customer Solutions Centre is issued by Toyota Finance Australia Limited (TFAL) ABN 48 002 435 181, AFSL and Australian Credit Licence 392536. The insurer is Aioi Nissay Dowa Insurance Company Australia Pty Ltd ABN 11 132 524 282, AFSL 443540 (Adica). If Toyota Insurance is purchased online, the issuer and insurer is Adica.

Our warranty insurance policies do not change or take away your rights under the Australian Consumer Law. Your right to claim under our warranty insurance policies for the benefits covered is in addition to other rights and remedies you have under the law in relation to your vehicle. However, you can choose to make a claim under any of our warranty insurance policies even if you have rights under the law..
Download the Toyota Insurance Financial Service Guide

Toyota Extra Care is administered by Toyota Finance, a division of Toyota Finance Australia Limited ABN 48 002 435 181, AFSL and Australian Credit Licence 392536. Toyota Extra Care Roadside Assist is provided by 365 Assistance Pty Ltd ABN 59160 076 200 trading as 365 Roadside Assistance, under arrangement with Toyota Finance Australia Limited. TEC002 07/2018.