This is a summary only. For information on what is covered and not covered and the standard terms, conditions, limits and exclusions of cover, please read the Product Disclosure Statement.
|Comprehensive Cover||Third Party Property Damage Cover|
Cover for accidental loss of or damage to your vehicle
|New replacement car if the car you bought new or as a demonstrator (less than two years old from original registration) is a total loss.||✓||✕|
|Cost of emergency repairs after a covered accident||Up to $500 any one incident||✕|
|Rental car following theft of your vehicle||Up to $100 per day for up to 30 days||✕|
|Child seat or baby capsule cover
||Up to $500 any one incident||✕|
|Legal liability up to $20 million any one event or series of events||✓||✓
|Personal effects and clothing damaged in an accident or stolen from your locked vehicle||Up to $1000 any one incident||✕|
|Emergency accommodation and travelling expenses||Up to $1,000 if more than 100km from home any one incident||✕|
|Transportation costs if your vehicle cannot be driven home after an accident||Up to $500 any one incident||✕|
|Reasonable cost of towing after a covered accident||✓||✕|
|Legal costs in defending claims covered by the policy||✓||✓|
|Trailer and Caravan cover||Lesser of $1,000 or market value any one claim||✕|
|Lock re-keying / re-coding if the keys to your vehicle are stolen||Up to $1,000 any one incident||✕|
|Temporary cover on replacement vehicle - 14 days||✓||✕|
|Optional cover you can add|
|Rental car after accident||Up to $100 per day for up to 30 days||✕|
|Cover for tools of trade||Up to $3,000 any one incident||✕|
|Removal of basic excess for 1 windscreen replacement and 2 repairs in each period of insurance (windscreen, sunroof or window glass)||✓||✕|
|Choice of Market or Agreed Value||✓||✕|
Comprehensive Car Insurance provides cover for fire, theft, accidents and malicious damage. It also covers your legal liability for loss or damage to someone else's property caused by a motor vehicle accident which is partly or fully your fault.
It also includes the reasonable costs of towing after a covered accident, the cost of emergency repairs up to $500, lock re-keying or re-coding if the keys to your vehicle are stolen up to $1000 and Replacement of any Child Seat or Baby Capsule in the vehicle after a covered accident up to $500 in any one incident.
Our Comprehensive Car Insurance policies include cover for accidental damage or loss to your car including flood, storm and hail. Please note that a 72 hour waiting period applies to cover for loss or damage caused by cyclone, flood or bushfire. Refer to the PDS for more information and terms and conditions including your responsibilities .
Compulsory Third Party Car Insurance is required in all states of Australia. It is often referred to as CTP insurance. CTP Insurance provides you with cover for people killed or injured in a motor vehicle accident for which you or the driver of your vehicle are at fault. Note that CTP insurance does not provide any cover for damage to property.
Covers your legal liability for loss or damage to someone else's property caused by a motor vehicle accident which is partly or fully your fault.
A car insurance excess is the amount you must pay for each incident when you make a claim. Unless we state otherwise, when you make a claim under the policy, you will need to pay an excess – which is a type of co-payment toward your claim.
Having an excess can help to keep the cost of premiums down by reducing the number of small claims. The amount and type of excess you will pay will be shown in your policy schedule.
For full details of conditions and exclusions please refer to your policy schedule or the relevant PDS
Comprehensive Car Insurance provides cover for theft. You also get a Rental car following theft of your vehicle, up to 30 days at a maximum rate of $100 per day, subject to the terms, conditions, limits and exclusions in the PDS.
We will extend your rental car or daily travel allowance period to the extent that we caused or contributed to the delay in repairing your vehicle.
It is important to list all drivers on your policy. If the driver is not listed on the policy and you need to make a claim, you may need to pay an age excess if they are under 25 or an unnamed driver excess where the Named driver option is selected.
For full details of the standard terms, conditions, limits and exclusions please refer to the relevant PDS.