Comprehensive Car Insurance
Our most popular cover protects your car for accident damage, theft, severe weather, and more
Comprehensive Car Insurance
For full details including limits, conditions and exclusions, read these policy documents
Want more cover for your car?
Have a car insurance question? We can help
You can cover your car for agreed value or market value when you get your insurance.
Agreed value means you choose the amount to insure your car for (from a range we give you).
Market value means we’ll work out how much your car’s worth at the time you make a claim. To do that, we use things like local market prices, your car’s age, its condition, and any modifications or extras.
You don’t need to list them on your policy unless they’re the registered owner of the car. We cover anyone who drives your car, even if they’re not listed.
If your car’s damaged and we decide it can be repaired, you can have it fixed by a Partner Repairer.
There are Partner Repairers across Australia and we’ll help find one that's convenient for you.
If you've added the Any repairer option, when your car’s damaged and we decide it can be repaired, you can choose any licensed repairer to fix it (including a Partner Repairer). If you choose someone other than a Partner Repairer, you might need to manage the repair process yourself.
With Comprehensive Insurance, we pay for a hire car if your car’s stolen or it can’t be driven because of an accident that’s not your fault.
If your car’s stolen, we’ll pay up to $75 a day for a hire car. We’ll pay for 21 days, until your car’s found and repaired, or until we pay your claim as a ‘total loss’ (whichever’s first).
If you’re in an accident caused by another driver, you need to be able to give us their name and address and we need to agree it’s their fault. We’ll pay for a hire car until your car’s repaired or we pay your claim as a ‘total loss’.
You can also add an option to get a hire car if yours can’t be driven after any other event we cover (not just theft or an accident caused by another driver). If you add this option, we’ll pay up to $75 a day for a hire car for 14 days, until your vehicle’s repaired, or until we pay your claim as a ‘total loss’ (whichever’s first).
Things you should know
Cover is subject to standard underwriting guidelines and policy terms. An additional excess applies to drivers under 25 or with less than 2 years’ driving experience.
We may not cover you for some severe weather events during an embargo period (which is usually when we know a severe weather event is about to occur). We’ll tell you if there’s an embargo when you purchase your policy.
We’ll pay for a hire car after an accident if we agree it was the other driver’s fault and you have their name, address and rego number.
To get a new replacement car, your car must weigh under 2.5 tonnes and it must have been a new or demonstrator vehicle when you bought it.
We don’t cover some personal items like cash, mobile phones or accessories fitted to your vehicle.
Your tools are covered if you’ve told us you’re using your car for your business, you’re registered for GST and you’re entitled to claim an input tax credit.
You’re covered if you’ve told us you’re using your own personal car for ridesharing and pay any extra premium. Only owners listed on the policy are covered when using the car for ridesharing.
You can add No Claim Bonus protection if we offer you a 60% No Claim Bonus. The first claim you make between the start of your policy and your first renewal notice (for a new policy), or between your last renewal notice and your next one won’t affect your No Claim Bonus. You can find the date of your renewal notice on the bottom of your renewal notice. This may be different to your policy period start date as shown on your Certificate of Insurance. We calculate your No Claim Bonus based on your claims history and how long you’ve been driving (including any other policy holders). Any applicable discounts may be subject to minimum premiums. Discounts only apply until a minimum premium is reached. When we determine your premium on renewal, we may also limit any increases or decreases in your premium by considering factors such as your previous year’s premium amount.
Any applicable discounts may be subject to minimum premiums. Discounts only apply until a minimum premium is reached. When we determine your premium on renewal, we may also limit any increases or decreases in your premium by considering factors such as your previous year’s premium amount. You may not save more with more eligible policies and by staying with us longer if a minimum premium is reached, or we have limited increases or decreases in your premium.
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