Car Insurance

Reasons to choose COTA Comprehensive 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. ³

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*.

choose 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 your car.

Roadside 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 the policy continues. ⁴

renewal 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.
fire	If your car is damaged by fire.
theft	If your car is stolen.
legal liability	Cover for damage to someone else’s property. Up to $20 million for any one event or series of related events.

Included benefit	Description	Comprehensive
new vehicle replacement	New for old replacement of your new 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.
renewal invitation guarantee	We will offer you renewal of your policy each year regardless of your age or claims experience.
legal costs	In defending court proceedings which may arise from accidental loss, damage or liability covered by your policy.
emergency repairs	Necessary to enable you to drive home after an accident. Up to $500.
rental car following theft	An allowance to rent a car if yours is stolen. Up to $100 per day for up to 30 days.
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.
temporary cover on replacement vehicle	Cover on a replacement vehicle if your vehicle is sold, for up to 14 days.
towing	Reasonable costs of towing your vehicle following an accident.
trailer and caravan cover	Cover for trailers and caravans whilst attached to the car. Up to $1,000 or market value whichever is the lesser.
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.
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.
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.
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.
lock re-keying/ re-coding	If the keys to your vehicle are stolen. Up to $1,000 for any one incident.
child seat/baby capsule cover	Cover for your child seat and baby capsule. Up to $500 for any one incident.

Policy Options

Optional excesses you can select to decrease your premium

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

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 Agreed value not available for vehicles over the age of 10yrs or less than $10,000 in value.
4 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 allianz.com.au/roadside. Allianz Australia Insurance Limited reserves the right to not offer roadside on any renewal. Service area limits apply.
5 Maximum discount percentage varies from State to State.
6 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.
* 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.