What’s covered by Comprehensive Car Insurance?
| Coverage | Details |
|---|---|
| Loss or damage to your vehicle | Covers the cost of repairing or replacing your own vehicle due to a motor vehicle accident, including a collision or crash, malicious acts, theft, attempted theft, fire, storm, hail, and floods. |
| New car replacement | If your new car is written off within two years or 40,000km (Gold Car Insurance policy) of the original registration (whichever comes first), we’ll replace it with a brand-new one. |
| Damage to other people’s property | Up to $20 million of legal liability cover for the accidental damage your car causes to someone else’s car and other property. |
| Hire a car following a no-fault accident or theft. | If we accept your claim for a no-fault accident or theft of your car, you’ll be eligible for hire car cover. |
Upgrade your Comprehensive cover.
You can customize your comprehensive auto insurance coverage by adding one or more of the following optional benefits for an additional premium:
| Optional Benefits | Description |
|---|---|
| Accident hire car | Get a hire car for up to 14 days while your car is being repaired if it is damaged in an at-fault accident. |
| Reduced window glass excess | Reduce your excess for damage to your vehicle’s window glass, including the windscreen, to just $40. |
| Choice of repairer | You can nominate your preferred repairer if you have a claim with them. |
What’s covered by third-party car insurance?
Third-party car insurance offers basic protection; you can choose one of two levels of cover:
| Benefit | Third-Party Property | Third-Party Fire and Theft |
|---|---|---|
| Damage to other people’s property, including their vehicles, for which you’re liable | Up to $20 million | Up to $20 million |
| Legal costs | ✔ | ✔ |
| Damage caused by an uninsured driver | Up to $5,000 (including recovery, towing and storage costs). | Up to $5,000 (including recovery, towing and storage costs). |
| Fire damage | – | ✔ |
| Theft | – | ✔ |
| Towing | – | ✔ |
| Hire a car following the theft. | – | Up to $1,000, up to 14 days |
| Quote Now | Quote Now |