Compare car insurance cover types

Woman buying a new car

Compare two levels of cover

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.

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 of the same make, model, engine size, features and
paint type 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 for any one incident, 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; or any other information that would reasonably allow us to identify the person so that we can exercise our rights of recovery.
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)6

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 emergency 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 replacement of 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 days6

 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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