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COTA Car Insurance

Car Insurance

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Reasons to choose COTA Car Insurance

ico-checkchoice of agreed value or market value

You can choose to insure your car for a fixed value so you know what amount you would receive in the event of a claim, or you can choose to insure for the market value of your car determined at the time of a claim.

ico-checklifetime No Claim Bonus
Your No Claim Bonus protection is included as standard in your COTA car insurance policy. If you have held a full No Claim Bonus rating on motor insurance for the last three continuous years or more with your current insurer, we will protect that rating for life when you transfer to COTA Insurance^.
ico-checkchoice to pay by the month at no extra cost
We don’t charge you any extra to pay your policy by instalments, to help you with your budget*.
ico-checkyour choice of repairer

If you are making a claim, you can choose your own repairer or we can assist you in selecting a repairer. We also guarantee repairs we have authorised for as long as you own the car.

ico-checkguaranteed renewal invitation
We will offer you renewal of your policy each year regardless of your age or claims experience**.

Comprehensive

Cover

Description

Comprehensive

collision  With another vehicle or a stationary object. check
fire  If your car is damaged by fire. check
theft  If your car is stolen. check
legal liability Cover for damage to other people’s property. Up to $20,000,000. check
legal liability when using a substitute vehicle Cover for damage to other people’s property when using a substitute vehicle. Up to $20,000,000. check
legal costs In defending court proceedings which may arise from accidental loss, damage or liability covered by your policy. check

Included benefit

Description

Comprehensive

new vehicle replacement If your new vehicle (less than two years old from original registration) is written off, we will replace it with a brand new vehicle of the same make, model and series, and pay for all on road costs. check
personal effects If your personal items such as a mobile phone, sunglasses or sporting equipment are stolen or damaged in your vehicle, we will cover these items up to $500. check
re-keying and
re-coding
If the keys to your vehicle are stolen. Up to $1,000. check
rental car following theft

An allowance to rent a car if yours is stolen. Up to $75 per day for up to 14 days.

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emergency repairs Necessary to enable you to drive home after an accident. Up to $500. check
towing

Reasonable cost of towing your vehicle following an accident or theft.

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vehicle being transported by ship If your vehicle is being transported in Australian waters, we will pay your contribution of any salvage charges. check
trailer and caravan cover Up to $1,000. check
transportation costs If your vehicle cannot be driven safely after an accident we will pay to get you home and for you to collect your vehicle after it has been repaired. Up to $400. check
emergency accommodation If your vehicle cannot be driven safely after an accident and you are more than 200km from home. Up to $400. check

Policy Options

Option

Description

Comprehensive

rental car following an accident An allowance to rent a car if yours is damaged in a collision. Up to $75 per day for up to 14 days. optional
unlimited removal of excess on windscreen claims If the windscreen in your car is accidentally broken, you will not have to pay an excess on your claim. Your no claim bonus will also not be affected. optional
tools of trade If tools, trade stock or materials are stolen from a secured vehicle or fixed tool box or they are damaged in a collision. Up to $1,500. optional

Third Party Property Damage

Cover

Description

Third Party
Property Damage

legal liability Cover for damage to other people’s property. Up to $20,000,000. check
legal liability when using a substitute vehicle Cover for damage to other people’s property when using a substitute vehicle. Up to $20,000,000. check
damage to your vehicle by an uninsured motorist Damage arising from an accident caused by the driver of an uninsured vehicle. Up to $4,000 check
legal costs In defending court proceedings which may arise from accidental loss, damage or liability covered by your policy. check

This is a summary only. You should consider whether this insurance product is suitable for your circumstances. For full details of the conditions, limits and exclusions on all our cover options, please ‎refer to the Car Insurance Product Disclosure Statement (PDS).

 

 

 

 

^For each claim free period of insurance you will accumulate a discount off your motor ‎vehicle insurance ‎premium up to a maximum amount. This maximum amount will vary ‎according to the State or Territory in which ‎your vehicle is garaged/ kept. 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. *Premiums payable by instalments may be subject to minor adjustments (upwards or downwards) due to rounding and financial institution transaction fees may apply. **As long as this insurance has been issued in accordance with the terms and conditions set out under "Our agreement with you" and you remain a member of Insurance and Membership Services.

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