choice 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.
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.
Cover |
Description |
Comprehensive |
---|---|---|
collision | With another vehicle or a stationary object. | ![]() |
fire | If your car is damaged by fire. | ![]() |
theft | If your car is stolen. | ![]() |
legal liability | Cover for damage to other people’s property. Up to $20,000,000. | ![]() |
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. | ![]() |
legal costs | In defending court proceedings which may arise from accidental loss, damage or liability covered by your policy. | ![]() |
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. | ![]() |
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. | ![]() |
re-keying and re-coding |
If the keys to your vehicle are stolen. Up to $1,000. | ![]() |
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. | ![]() |
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. | ![]() |
trailer and caravan cover | Up to $1,000. | ![]() |
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. | ![]() |
emergency accommodation | If your vehicle cannot be driven safely after an accident and you are more than 200km from home. Up to $400. | ![]() |
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 |
Cover |
Description |
Third Party
|
|
---|---|---|---|
legal liability | Cover for damage to other people’s property. Up to $20,000,000. | ![]() |
|
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. | ![]() |
|
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 | ![]() |
|
legal costs | In defending court proceedings which may arise from accidental loss, damage or liability covered by your policy. | ![]() |
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.