Comprehensive Insurance

Our highest level of cover for your vehicle which includes cover against fire, theft, accidents and malicious damage. It also covers your legal liability to pay compensation for loss or damage to someone else's property caused by a motor vehicle accident which is partly or fully your fault.

Third Party Fire & Theft

Provides cover against accidental loss of or damage to your vehicle caused by fire or theft. It also covers your legal liability to pay compensation 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 to pay compensation 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 caused by fire or theft

Y

Y

N

Cover for accidental loss of or damage to your vehicle (caused by events other than fire or theft)

Y

N

N

New for old replacement of a new vehicle after a total loss, if you purchased your vehicle new from the manufacturer or dealer and your vehicle is less than 2 years old from its first registration at the time it is declared a total loss

Y

N

N

Cover for legal liability to pay compensation 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

Y

Legal costs

Y

Y

Y

Accidental death benefit - $25,000 per period of insurance

Y

N

N

Emergency repairs - up to $500 in respect of any one incident

Y

N

N

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

Y

Y

N

Reasonable cost of towing

Y (after a covered accident)

Y (after fire or theft of your vehicle)

N

Temporary cover on replacement vehicle - 14 days

Y

N

N

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

Y

N

N

Legal liability cover when using a substitute vehicle

Y

Y

Y

Personal items - up to $1,000 for any one incident

Y

N

N

Emergency accommodation and travelling expenses - up to $1,000 for of any one incident

Y

N

N

Transportation costs - up to $500 for any one incident

Y

N

N

Lock re-keying / re-coding - up to $1,000 for any one incident

Y

N

N

Child seat / baby capsule cover - up to $500 for of any one incident

Y

N

N

Protected No Claim Bonus - 1st claim per period of insurance

Y

N

N

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

Y

N

N

Removal of basic excess for windscreen claims - 1 replacement and 2 repairs in any period of insurance

Y

N

N

Restricted driver excess - $2,500 any one claim

Y

N

N

Unnamed driver excess - $2,500 any one claim

Y

N

N