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COTA Car Insurance

Car Insurance

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Call us on 1300 1300 50

Reasons to choose COTA Car Insurance

  • choice of agreed value or market value
  • lifetime no claim bonus**
  • choice to pay by the month at no extra cost*
  • your choice of repairer
  • renewal invitation guarantee

Comprehensive

provides cover for …

  • accidentcollision
  • firefire
  • thefttheft
  • legallegal liability

included benefits …

  • new-carnew car replacement
  • sunniespersonal effects cover
  • keysrekeying and recoding
  • hire-carerental car following theft
  • triangleroadside assistance
  • spanneremergency repairs
  • towtowing
  • caravantrailer and caravan cover

Policy options

add any of these options to your Comprehensive policy …

  • hire-carerental car following an accident
  • glassremoval of windscreen excess
  • toolscover for tools of trade

Ways to save

COTA Insurance rewards mature, experienced drivers.
Save on your premium if you qualify for any of these discounts …

  • No Claim Bonus 
    For each period of insurance without an accident or claim you will receive a No Claim Bonus discount up to a maximum of 65%^+.
  • Safe driver discount
    A further discount, over and above the No Claim Bonus discount, is available for eligible drivers***+.
  • Increase your excess to reduce your premium
    Our car insurance allows you to increase the excess payable in the event of a claim and we’ll reduce your premium in return.

Third Party Property Damage

provides cover for …

  • legal2legal liability
  • scaleslegal liability while using
    a substitute vehicle
  • cashdamage to your vehicle
    by an uninsured motorist

Need to make a Claim?

Click here for details on how to lodge a car insurance claim

* Premiums payable by instalments may be subject to minor adjustments (upwards or downwards) due to rounding and financial institution transaction fees may apply. ^For each claim free period of insurance you will accumulate a discount off your motor ‎vehicle insurance ‎premium up to a maximum amount. To qualify for the maximum No Claim Bonus of 65%, customers must have had no at fault motor claims in the preceding five years. Customers who have had at fault claims may still qualify for a reduced No Claim Bonus. Any no claim ‎bonus entitlement you hold with another insurance company is ‎transferable. You may be ‎required to provide documentary evidence of your current no claim bonus entitlement. ‎No ‎claim bonus discount amounts vary by State. ** See PDS for conditions. *** Safe Driver Discount applies to new comprehensive Motor Insurance policies only and does not apply to Third Party Fire & Theft and Third Party Property Damage policies. To be eligible for a safe driver discount: -the ratable driver must be aged 30 years or over; -the insured (owner) must have held a maximum no claim bonus for the last five consecutive years; and - all nominated drivers have had no at fault claims for the last five years. +Minimum premiums may apply. Any discounts/entitlements only apply to the extent any minimum premium is not reached. If you are eligible for more than one, we also apply each of them in a predetermined order to the premium (excluding taxes and government charges) as reduced by any prior applied discounts/entitlements.

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