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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-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-checkchoose your own 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-checkRoadside Assistance
when you buy a new COTA Comprehensive Car Insurance policy, you’ll receive Roadside Assistance Australia-wide, 24 hours a day, 7 days a week. This benefit continues as long as you hold COTA Comprehensive Car Insurance. 5.
ico-checkrenewal invitation guarantee
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 someone else’s property. Up to $20 million for any one event or series of related events. check

Included benefit

Description

Comprehensive

new vehicle replacement New for old replacement of your vehicle after a total loss, if you purchased it from the manufacturer or dealer and it is less than 2 years old from its first registration at the time it is declared a total loss. check
renewal invitation guarantee We will offer you renewal of your policy each year regardless of your age or claims experience. check
legal costs In defending court proceedings which may arise from accidental loss, damage or liability covered by your policy. check
emergency repairs Necessary to enable you to drive home after an accident. Up to $500. check
rental car following theft

An allowance to rent a car if yours is stolen. Up to $100 per day for up to 30 days.

check
sporting goods If your sporting goods are stolen or damaged in your vehicle, we will cover these items up to $2,000 for any one incident. check
temporary cover on replacement vehicle Cover on a replacement vehicle if your vehicle is sold, for up to 14 days. check
towing

Reasonable costs of towing your vehicle following an accident.

check
trailer and caravan cover $1,000 or market value whichever is the lesser. check
personal items If your personal items such as a mobile phone or sunglasses are stolen or damaged in your vehicle, we will cover these items up to $1,000 for any one incident. check
emergency accommodation and travelling expenses If your vehicle cannot be driven safely after an accident and you are more than 100km from home. Up to $1000 for any one incident. 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 $500 for any one incident. 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
lock re-keying/
re-coding
If the keys to your vehicle are stolen. Up to $1,000 for any one incident. check
child seat/baby capsule cover Cover for your child seat and baby capsule. Up to $500 for any one incident. check

Policy Options

Option

Description

Comprehensive

protected No Claim Bonus 1st claim per period of insurance. optional
rental car following an accident An allowance to rent a car if yours is damaged in a collision. Up to $100 per day for up to 30 days. optional
removal of basic excess for windscreen claims If the windscreen or window glass 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 for any one incident. optional

Optional excesses you can select to decrease your premium

Option

Description

Comprehensive

Restricted driver excess $2,500 any one claim optional
Unnamed driver excess $2,500 any one claim optional

Third Party Insurance

Cover

Description

Third Party
Fire & Theft

Third Party
Property Damage

fire If your car is damaged by fire. Up to $5,000 for any one incident. check _
theft If your car is stolen. Up to $5,000 for any one incident. check _
legal liability Cover for your legal liability for loss or damage to someone else’s property caused by a motor vehicle accident which is partly or fully your fault. Up to $20 million for any one event or series of related events. check check
legal costs In defending court proceedings which may arise from accidental loss, damage or liability covered by your policy. check check
rental car Rental car after theft ($100 per day limit, up to 30 days). check _
towing Reasonable costs of towing after fire or theft of your vehicle. check _
legal liability when using a substitute vehicle Cover for damage to someone else’s property when using a substitute vehicle. Up to $20,000,000. check check

This table is a guide only. For information on what is covered and what is not covered and any limits and excesses that apply, please refer to the Car Insurance Product Disclosure Statement (PDS).

 

 

 

 

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 a 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 allianz.com.au/roadside. * 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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