Car Insurance

Reasons to choose COTA Car Insurance

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.

lifetime 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^.

choice 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*.

your 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.

guaranteed 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.
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.
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.
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.

Policy Options

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.
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.