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 to manage your car insurance in a way that suits you.
COTA Car Insurance has a great range of features and benefits designed to suit your needs.
Comprehensive Motor Insurance
Third Party Property Damage Motor Insurance
Cover includes theft, fire, flood and storm, including hail damage, subject to your policy’s terms and conditions, limits and excess.
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:
Legal liability cover for loss or damage to other people’s property and for supplementary bodily injury – up to $20 million.
Covers legal costs, as approved by Allianz, from a claim that’s covered by your policy.
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.
If your vehicle has been stolen, Allianz will pay for a rental car – $100 per day, for up to 30 days4.
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.
Allianz will provide cover for your replacement vehicle for 14 days.
Allianz will pay up to $1,000, or the market value of your trailer or caravan, whichever is less.
Allianz will pay up to $1,000 for any one incident.
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.
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.
Allianz will pay up to $1,000 for any one incident.
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.
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.
If the broken windscreen is the only damage to your vehicle, you can get one replacement and two repairs in any period of insurance.
This optional benefit will pay up to $3,000 for any one incident.
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.
Legal liability cover for loss or damage to other people’s property and for supplementary bodily injury – up to $20 million.
Covers legal costs, as approved by Allianz, from a claim that’s covered by your policy.
Covers for loss or damage to your vehicle arising from an accident caused by the driver of an uninsured vehicle – up to $5,000 for any one incident.
This is a summary only. For information on what’s covered and what’s not covered and the standard terms, conditions, limits, and exclusions of cover, see the relevant Product Disclosure Statement.
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Accidental Loss of or Damage to your Vehicle
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New for Old Replacement of a New Vehicle After a Total LossNew for old replacement after a total loss will be for a vehicle of the same make, model, engine size, features and paint type if:
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Legal Liability CoverLegal 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. |
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Approved Legal Costs from a Liability ClaimApproved legal costs arising from a claim for liability covered by the policy. |
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Emergency Repair Costs after a Covered AccidentUp to $500 for any one covered accident. |
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Rental Car after Theft of your Vehicle$100 per day limit, up to 30 days.4 |
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Towing after a Covered Incident
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Temporary Cover on Replacement VehicleUp to 14 days. |
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Trailer and Caravan$1,000 or market value, whichever is less. |
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Legal liability cover when using a substitute vehicle
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Cover for personal items in your vehicleUp to $1,000 for any one incident. |
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Emergency Accommodation costsEmergency 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. |
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Transportation CostsTransportation costs if your vehicle can’t be safely driven home after a covered accident. Up to $500 for any one incident. |
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Lock Re-Keying/Re-coding if the keys to your vehicle are stolenUp to $1,000 for any one incident. |
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Replacing a Child Seat after a Covered AccidentChild seat or baby capsule replacement after an accident. Up to $500 for any one covered accident. |
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Rental Car After an Accident, where available 4Optional cover. $100 per day limit, up to 30 days. |
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Basic Excess Removal for Windscreen ClaimsIf 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. |
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Cover for Tools of TradeOptional cover. |
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Named Driver OptionOptional cover. |
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Uninsured Motorist ExtensionCovers for loss or damage to your vehicle arising from an accident caused by the driver of an uninsured vehicle – up to $5,000 for any one incident. |
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This is a summary only. For information on what’s covered and what’s not covered and the standard terms, conditions, limits, and exclusions of cover, see the relevant Product Disclosure Statement.
By proceeding to get a quote, it is important you read and understand the Financial Services Guide (FSG) on this website.
Do what you reasonably can to prevent any further loss, damage, or liability.
Tell the police as soon as reasonably possible about any malicious damage, theft, attempted theft, or burglary.
Start your car insurance claim online 24/7
Complete the secure online claim form, and a friendly claims representative will contact you as soon as possible to discuss the next steps.
Alternatively, you can contact the Claims Call Centre on 1300 651 777 to submit your claim.
The claims consultant will help you through the car insurance claims process.
Comprehensive Motor Insurance covers your vehicle, plus damage you cause to other people’s vehicles or property.
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.
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:
For more information, see the relevant PDS.
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 Car Insurance policy when you’re driving someone else’s vehicle.
No, Compulsory Third Party (CTP) insurance is a pivotal component of your vehicle registration, in fact you can’t register a vehicle in some states within Australia without CTP. For example in NSW, where CTP is also known as a Green Slip. When driving your vehicle, CTP covers your liability for injuries you or other drivers of your vehicle cause to other road users in a motor accident. CTP doesn’t provide cover for any damage to your vehicle or any damage you cause to other people’s vehicles or property. When you purchase Comprehensive Motor Insurance, it doesn’t include CTP.
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.
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.
Compulsory Third Party (CTP) insurance is a pivotal component of your vehicle registration, in fact you can’t register a vehicle in some states within Australia without CTP. For example in NSW, Where CTP is known as a Green Slip. When driving your vehicle, CTP covers your liability for injuries you or other drivers of your vehicle cause to other road users in a motor accident. CTP insurance doesn’t provide cover for any damage to your vehicle or any damage you cause to other people’s vehicles or property.
COTA Third Party Property Damage (TPPD) Car 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.
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