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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
  • choice to pay by the month at no extra cost*
  • Roadside Assistance Australia-wide, 24/7
    when you buy new COTA Comprehensive Car Insurance, for as long as you hold the policy5
  • choose your own repairer
  • renewal invitation guarantee


provides cover for …

  • accidentcollision
  • firefire
  • thefttheft
  • legallegal liability

included benefits …

  • new-carnew car replacement
  • sunniespersonal effects cover
  • keysrekeying and recoding
  • hire-carerental car after 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%1,3.
  • Safe Driver Discount
    For eligible drivers1,4 in addition to the No Claim Bonus.
  • Restricted Driver Discount
    A discount on your policy when you exclude drivers under 25 years of age1

Third Party Property Damage

provides cover for …

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

Third Party Fire and Theft

Includes all of the cover of Third Party Property Damage plus cover for …

  • firefire
  • thefttheft
  • towtowing

Need to make a Claim?

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

1 Minimum premiums may apply. Any discounts / entitlements may be subject to rounding and 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. Discounts may not be applied to the premium for optional covers.
2 The online discount applies to new Comprehensive Car Insurance policies only purchased through COTA Insurance. Any online discounts offered are applied to our standard rates, but excluding all other optional covers. The online discount only applies to the first year's premium (unless stated otherwise). Promotional or other discounts may apply from time to time for customers who apply for insurance via other methods.
3 Maximum discount percentage varies from State to State.
4 Safe Driver Discount applies to new Comprehensive Car Insurance policies only. 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 must have had no at fault claims for the last five years.
5 Offer valid for new COTA Comprehensive Car insurance policies. Roadside assistance membership is provided by AWP Australia Pty Ltd ABN 52 097 227 177, trading as Allianz Global Assistance. Terms, conditions, exclusions and limitations apply to the offer and the standard roadside assistance membership, which are available at
* Premiums payable by instalments may be subject to minor adjustments (upwards or downwards) due to rounding and financial institution transaction fees may apply.

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