Car Insurance

COTA Car Insurance has a great range of features and benefits designed to suit customers with different needs. With a 24/7 online claims lodgement service, a monthly payment option3 and a choice between Comprehensive and Third Party Property Damage cover, COTA Car Insurance gives you the flexibility so you can choose to manage your car insurance in a way that suits you.

Find the cover that’s right for you

COTA Car Insurance has a great range of features and benefits designed to suit your needs.

 

Comprehensive Motor Insurance covers your vehicle, plus damage you cause to other people’s vehicles or property. If you’re looking for cover for fire, theft, accidents, malicious damage and legal liability, you might like to consider Comprehensive Motor Insurance.

 

Third Party Property Damage Motor Insurance doesn’t cover your vehicle. It covers your legal liability if you destroy or damage someone else’s vehicle or property during a motor vehicle accident that’s partly or fully your fault.

Provides cover for:

Accidental Loss of or Damage to your Vehicle

Cover includes theft, fire, flood and storm, including hail damage, subject to your policy’s terms and conditions, limits and excess.

New for Old Replacement of a New Vehicle After a Total Loss

If your new vehicle is stolen or written off, Allianz may replace it with one of the same make and model if the following conditions are met:

  • Your vehicle is less than two years old from its first registration at the time it’s declared a total loss.
  • You bought your new vehicle, or demonstrator model, from the manufacturer or their dealer.
  • Where relevant, your financier has given their written consent.
  • A new replacement vehicle of the same make and model is available in Australia.

Legal Liability Cover

Legal liability cover for loss or damage to other people’s property and for supplementary bodily injury – up to $20 million.

Approved Legal Costs from a Liability Claim

Covers legal costs, as approved by Allianz, from a claim that’s covered by your policy.

Emergency Repair Costs after a Covered Accident

Allianz will reimburse the cost of necessary emergency repairs that enable you to drive your vehicle home after a covered accident – up to $500 for any one incident.

Rental Car after Theft of your Vehicle

If your vehicle has been stolen, Allianz will pay for a rental car – $100 per day, for up to 30 days4.

Towing after a Covered Incident

Allianz will pay the reasonable cost of protection, removal and towing of your vehicle after a covered accident to the nearest repairer, place of safety or any other place they agree to.

Temporary Cover on Replacement Vehicle

Allianz will provide cover for your replacement vehicle for 14 days.

Trailer and Caravan

Allianz will pay up to $1,000, or the market value of your trailer or caravan, whichever is less.

Legal liability cover when using a substitute vehicle

Cover for personal items in your vehicle

Allianz will pay up to $1,000 for any one incident.

Emergency Accommodation costs

Cover for reasonable emergency accommodation costs and travel expenses after a covered accident, provided that your vehicle was more than 100 km from where it’s usually parked at night – up to $1,000 for any one incident.

Transportation Costs

If your vehicle can’t be driven safely home after a covered accident, Allianz will pay up to $500 for any one incident for travel necessary to get you home.

Lock Re-Keying/Re-coding if the keys to your vehicle are stolen

Allianz will pay up to $1,000 for any one incident.

Replacing a Child Seat after a Covered Accident

Cover for the replacement of a child seat or baby capsule in your vehicle at the time of a covered accident – up to $500 for any one incident.

Optional benefits

Rental Car After an Accident, where available 4

If you can’t use your vehicle following an accident, this optional benefit will pay $100 per day, up to 30 days for a rental car. This option will extend your rental car or daily travel allowance period if they caused or contributed to the delay in repairing your vehicle.

Basic Excess Removal for Windscreen Claims

If the broken windscreen is the only damage to your vehicle, you can get one replacement and two repairs in any period of insurance.

Cover for Tools of Trade

This optional benefit will pay up to $3,000 for any one incident.

Named Driver Option

Optional excess.

This is a summary only. For information on what is covered and not covered and the standard terms, conditions, limits and exclusions of cover, see the relevant Product Disclosure Statement.

Provides cover for:

Legal Liability Cover

Legal liability cover for loss or damage to other people’s property and for supplementary bodily injury – up to $20 million.

Approved Legal Costs from a Liability Claim

Covers legal costs, as approved by Allianz, from a claim that’s covered by your policy.

Legal liability cover when using a substitute vehicle

This is a summary only. For information on what is covered and not covered and the standard terms, conditions, limits and exclusions of cover, see the relevant Product Disclosure Statement.

Key Benefits Comprehensive Third Party Property Damage

Accidental Loss of or Damage to your Vehicle

 

New for Old Replacement of a New Vehicle After a Total Loss

New for old replacement after a total loss will be for a vehicle of the same make, model, engine size, features and paint type if:

  • you bought your vehicle new, or as a demonstrator model, from the manufacturer or their dealer
  • your vehicle is less than two years old from its first registration at the time it’s declared a total loss
  • where relevant, your financier has given its written consent
  • a new replacement vehicle is available in Australia.

Legal Liability Cover

Legal liability cover is for loss or damage you cause to other people’s cars or property and for supplementary bodily injury arising out of a single accident or a series of related events.

Up to $20 million.

Approved Legal Costs from a Liability Claim

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

Emergency Repair Costs after a Covered Accident

Up to $500 for any one covered accident.

Rental Car after Theft of your Vehicle

$100 per day limit, up to 30 days.4

Towing after a Covered Incident

 

Temporary Cover on Replacement Vehicle

Up to 14 days.

Trailer and Caravan

$1,000 or market value, whichever is less.

Legal liability cover when using a substitute vehicle

 

Cover for personal items in your vehicle

Up to $1,000 for any one incident.

Emergency Accommodation costs

Emergency accommodation and travel expenses after a covered accident, provided that your vehicle was more than 100 km from where it’s normally parked at night.

Up to $1,000 for any one incident.

Transportation Costs

Transportation costs if your vehicle can’t be safely driven home after a covered accident.

Up to $500 for any one incident.

Lock Re-Keying/Re-coding if the keys to your vehicle are stolen

Up to $1,000 for any one incident.

Replacing a Child Seat after a Covered Accident

Child seat or baby capsule replacement after an accident.

Up to $500 for any one covered accident.

Rental Car After an Accident, where available 4

Optional cover (extra cost).

$100 per day limit, up to 30 days.

Basic Excess Removal for Windscreen Claims

If the broken windscreen is the only damage to your vehicle, you can get one replacement and two repairs in any period of insurance.

Optional cover (extra cost).

Cover for Tools of Trade

Optional cover (extra cost).
Up to $3,000 for any one incident.

Named Driver Option

Optional excess.

This is a summary only. For information on what is covered and not covered and the standard terms, conditions, limits and exclusions of cover, see the relevant Product Disclosure Statement.

Why Choose COTA Comprehensive Car Insurance

Up to 10% discount on your first year's premium when you quote and buy a new comprehensive car insurance policy online 1,2

You may be able to increase your excess to reduce your premium 1

Choose your own repairer 6

You can make a claim online or call 1300 651 777 for claims service 24 hours, 7 days a week

Roadside Assistance Australia-wide*, 24/7 when you buy new COTA Comprehensive Car Insurance, for as long as you hold the policy 7

Safe driver discount for eligible drivers 1,5

Get a quote

By proceeding to get a quote, it is important you read and understand the Financial Services Guide (FSG) on this website.

COTA Benefits

Need to make a Claim?

 

You can make a claim online or call 1300 651 777 for claims service 24 hours, 7 days a week.

FAQs

What is Comprehensive Motor Insurance?

Comprehensive Motor Insurance covers your vehicle, plus damage you cause to other people’s vehicles or property. It doesn’t cover your liability to pay compensation if you cause injury to another person. Get a quote.

Is Comprehensive Motor Insurance necessary?

Comprehensive Motor Insurance isn’t mandatory in Australia but there are benefits to having it. If you choose not to take out Comprehensive Motor Insurance and you or the driver of your vehicle is at fault in an accident, you’ll be responsible for the cost of any damage to your own vehicle as well as for the damages caused to any third party property.
Did you purchase your vehicle with a loan? Some financial institutions might require you to have Comprehensive Motor Insurance if you took out a loan to purchase your vehicle.

What does COTA Comprehensive Motor Insurance cover?

COTA Comprehensive Motor Insurance provides cover for accidental loss or damage to your vehicle, as well as your legal liability for the damage you cause to other people’s vehicles or property. Some examples of loss or damage to your vehicle covered by this insurance include:
Motor accidents such as a collision with another vehicle
Theft
Fire damage
Storm damage
Hail damage
Damage while your vehicle is parked
For more information, see the relevant PDS.

Can I drive another vehicle with comprehensive insurance cover?

If you’re driving another person’s vehicle, you should always check their insurance policy details to confirm whether you’re covered. You won’t be covered by your COTA Comprehensive Motor Insurance policy when you’re driving someone else’s vehicle.

Does Comprehensive Motor Insurance include Compulsory Third Party Insurance (CTP)?

When you purchase Comprehensive Motor Insurance, it doesn’t include CTP. CTP, also known as a Green Slip in NSW, covers your liability and the liability of anyone else who drives your vehicle for injuries you may have caused to other road users in a motor accident. CTP doesn’t provide cover for any damage you cause to other people’s vehicles or property.

What is Third Party Property Damage Motor Insurance?

Third Party Property Damage (TPPD) Motor Insurance covers damage you cause to other people’s vehicles and property while using your vehicle. This includes the cost of the damage and reasonable approved legal costs arising from a covered accident.
TPPD Motor Insurance doesn’t cover damage caused to your own vehicle, fire, theft, or injury you cause to other people.
If you want to cover your vehicle from accidental loss or damage, you might consider Comprehensive Motor Insurance.
For more information on Third Party Property Damage Motor Insurance, see the relevant PDS.

Does COTA Third Party Property Damage Insurance have an excess?

Yes, if you lodge a claim on your Third Party Property Damage Motor Insurance policy you’ll have to pay an excess. Check your policy schedule to see any applicable excesses.

What’s the difference between COTA Third Party Property Damage Motor Insurance and Compulsory Third Party cover?

You can’t register a vehicle in Australia without Compulsory Third Party (CTP) insurance, also known as a Green Slip in NSW. When driving your vehicle, CTP covers your liability for injuries you or other drivers of your vehicle cause to other road users. CTP insurance doesn’t cover damage to property.
Allianz Third Party Property Damage Motor Insurance provides you with cover for loss or damage you cause to other people’s vehicles or property, while using your vehicle.
Neither CTP Insurance nor Third Party Property Damage Motor Insurance covers damage to your own vehicle.

Testimonials

Mrs Strong,

I have just completed a review of My Car Insurance Policy. Was assisted by Karen, who went the extra mile, to answer all my queries. It is wonderful to find someone at the end of the phone so interested in listening to needs & requirements. A Very Satisfied Customer, Thank You Karen & COTA Insurance.

Mrs Woodard,

Karen was fantastic!!! Totally helped me out don’t bother going anywhere else!

Mr Brandon,

I spoke with Jodie who was brilliant, amazing, delightful, friendly and knowledgeable!

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