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Comprehensive cover |
Third Party Property Damage cover |
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Covers anyone you give permission to drive your car. Driver and usage exclusions apply¹
¹ Driver exclusions apply if the driver is unlicensed, is not following the conditions of their license, refuses a drug or alcohol test, is under the influence of drugs or exceeds the legally allowed alcohol limit. Refer to the Comprehensive Car Insurance or Third Party Property Damage Car Insurance PDS for full driver, usage and other policy exclusions as set out in the "What's not covered" section. An additional excess applies to drivers under 25. |
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Cover for damage you cause to other people's cars or property (Legal Liability cover arising out of a single accident or a series of related events).
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Up to $20 million |
Up to $20 million |
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Reasonable legal costs and expenses from court proceedings due to a liability claim under this policy.
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Reasonable costs of towing after a covered incident to the nearest repairer or place of safety.
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Cover for accidental loss or damage to your car, up to an agreed value.
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Choice to get the agreed value or get your new car replaced if it is a total loss within 2 years of its year of manufacture, provided the same make and model is available in Australia.
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Rental car after a collision that wasn’t your fault and the other driver's details are provided. If we can't arrange one, get a $50 a day travel allowance²
² We'll arrange a rental car of a similar size and type to your car after a covered collision where you are not at fault and have provided us with the at fault person's details. You'll get the rental car for as long as it takes to either fix your car, pay you the cost of repairs, or determine if your car is a total loss. If a rental car of a similar size and type (e.g. medium SUV) to your car is not available, we will pay you a travel allowance of $50 a day for as long as we would have given you a rental car. See the PDS for more details. |
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Cost of emergency repairs.
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Up to $500 per incident |
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Emergency extra accommodation costs if your car isn't drivable after a covered incident more than 100km away from home.
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Up to $500 per incident |
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Accidental damage to or theft of personal belongings and clothing in your car after a covered incident, except if your car is left unlocked when your belongings are stolen or the car itself isn't damaged or stolen. Personal belongings excludes cash, credit cards, cheques, firearms, tools or other items related to a business.
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Up to $500 per incident |
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Costs to replace any damaged or stolen child seat or baby capsule in your car after a covered incident except if the car itself isn't damaged or stolen.
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Up to $500 per seat, per incident |
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Key replacement and lock recoding if keys are stolen and you have reported the theft to the police.
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Up to $1000 in a period of insurance |
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Reimbursement of your transportation costs from the scene of the accident, or to or from the repairer or rental car provider.
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Up to $500 per incident |
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Removal of excess for one full windscreen, window glass or sun roof replacement and two repairs in each period of insurance.
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Optional |
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Rental car after any covered incident or a $50 a day travel allowance if we can't arrange one³
³ If you choose this option, we will arrange a rental car of a similar size and type to your car for as long as it takes to either fix your car, pay you the cost of repairs, or determine if your car is a total loss. This will apply after any covered incident, no matter who is at fault. If a rental car of a similar size and type (e.g. medium SUV) to your car is not available, we will pay you a travel allowance of $50 a day for as long as we would have given you a rental car. See the PDS for more details. |
Optional |
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