Compare car insurance cover types

Woman buying a new car

Compare two levels of cover

The information on this page is a summary only. For the standard terms, conditions, limits and exclusions of cover, please refer to the Motor Insurance Product Disclosure Statement.

Key benefits Comprehensive insurance Third party property damage

Cover for accidental loss of or damage to your vehicle

YES

NO

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.
 YES NO

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

 YES YES

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.
 NO YES

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

 YES YES

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

 YES NO

Rental car after theft ($100 per day limit, up to 30 days)

 YES NO

Reasonable cost of towing after a covered incident

 YES NO

Temporary cover on replacement vehicle – 14 days

 YES NO

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

 YES NO

Legal liability cover when using a substitute vehicle

 YES YES

 

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

 YES NO

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

 YES NO

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

 YES NO

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

 YES NO

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

 YES NO

Optional add ons


Optional benefits you can add

Comprehensive insurance

Third party property damage

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

  YES  NO

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

  YES  NO

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

  YES  NO

Decrease your premiums


Options you can select to decrease your premium

Comprehensive insurance

Third party property damage

Named driver option

 YES NO

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Disclaimers

Any advice on this insurance is provided by AHL Investments Pty Ltd ABN 27 105 265 861 AR No. 338358 (Aussie) and not its franchisees or brokers who are distributors of Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL No. 234708 and are not authorised to provide any financial product advice. Any advice on this insurance is not based on any consideration of your objectives, financial situation or needs.

This insurance is underwritten by Allianz Australia Insurance Limited ABN 15 000 122 850, AFS Licence No. 234708 (Allianz) of Level 12, 2 Market Street, Sydney and is marketed by AHL Investments Pty Ltd ABN 27 105 265 861 (Aussie) of Level 28, 225 George Street, Sydney as an Authorised Representative AR 338358 of Allianz. Aussie, their franchisees and brokers are authorised to arrange and / or refer you to Allianz for this insurance as agent for Allianz. Terms, conditions, limits and exclusions apply.  Before making a decision, please consider the Product Disclosure Statement.

If you purchase this insurance, Aussie will receive a commission that is a percentage of the premium. Where the policy is arranged or referred by an Aussie franchise or an Aussie broker, they will receive part of the commission from Aussie. If the agreed premium threshold is met, Aussie will also receive a percentage of the profit which exceeds the agreed profit threshold on Home (excluding flood), Landlord (excluding flood), Motor and Caravan and Trailer policies arranged or referred by it or its brokers to Allianz (or renewed with Allianz) in each calendar year. Aussie will also be reimbursed by Allianz for marketing costs incurred by it to promote Allianz’s products. This will be capped at a percentage of the premium earned on Home, Landlord, Motor and Caravan and Trailer policies arranged or referred by it or its brokers to Allianz (or renewed with Allianz) in the previous calendar year. Ask us for more details before we provide you with services.