Comprehensive Insurance

The highest level of cover we offer for your vehicle which 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.

Third Party Property Damage

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.

Cover for accidental loss of or damage to your vehicle

Y

N

New for old replacement of a new vehicle after a total loss, if:

• you purchased your vehicle new (or as a demonstrator model) from the manufacturer or their dealer;
• your vehicle is less than 2 years old from its first registration at the time it is declared a total loss;
• where relevant, your financier has given its written consent; and
• a new replacement vehicle is available in Australia.

Y

N

Cover for your legal liability for loss or damage to other people's property and legal liability for supplementary bodily injury– up to $20 million for any one event or series of related events

Y

Y

Cover for loss or damage to your vehicle arising from an accident caused by the driver of an uninsured vehicle – up to $5,000, provided that:

• you did not contribute to the cause of the accident;
• you can provide the name and address of the person responsible for the accident; and
• you can provide the registration number of the other vehicle.

N

Y

Approved legal costs arising from a claim for liability covered by the policy

Y

Y

Cost of emergency repairs after a covered accident – up to $500 for any one incident

Y

N

Rental car after theft of your vehicle - $100 per day limit, up to 30 days

Y

N

Reasonable cost of towing after a covered incident

Y

N

Temporary cover on replacement vehicle – 14 days

Y

N

Trailer and caravan cover - $1,000 or market value of the trailer or caravan, whichever is the lesser

Y

N

Legal liability cover when using a substitute vehicle

Y

Y

Cover for personal items in your vehicle – up to $1,000 for any one incident

Y

N

Cover for reasonable additional accommodation and travelling expenses after a covered accident, provided that your vehicle was more than 100km from where it is normally parked at night – up to $1,000 for any one incident

Y

N

Cover for transportation costs if your vehicle cannot be safely driven home after a covered accident – up to $500 for any one incident

Y

N

Lock re-keying / re-coding if the keys to your vehicle are stolen – up to $1,000 for any one incident

Y

N

Cover for child seat / baby capsule in your vehicle after a covered accident – up to $500 for any one incident

Y

N

Rental car following accident, where available - $100 per day limit, up to 30 days

Y

N

Removal of basic excess for windscreen claims if the broken windscreen is the only damage to your vehicle - 1 replacement and 2 repairs in any period of insurance

Y

N

Cover for tools of trade – up to $3,000 for any one incident

Y

N

Named driver option

Y

N