Car Insurance
Australia Car Insurance
Protect yourself from Life’s unexpected bumps
Having the right cover is crucial when it comes to car insurance. It pays to be protected against any loss or damage to your vehicle as well as being covered against damages you may cause to someone else’s property. With our panel of Australia’s leading insurers including Allianz Insurance, Swann Insurance and Avea Insurance you will have the piece of mind of up to 2 year new vehicle replacement, hire car after an accident, windscreen and window glass cover, protection of your No Claim Bonus Rating plus more as well as extremely competitive premiums and payment options.*
You need to choose car insurance cover that fits your circumstances. There are 3 types of car insurance cover available:
- Comprehensive Cover
- Fire, Theft and Third Party Property Damage/Extra Cover
- Third Party Property Damage Cover.
The cover you choose will be shown on your car insurance certificate.
Comprehensive Cover
You or anyone you authorise to drive your vehicle are covered for loss of or damage to your vehicle caused by an event in the period of insurance. It includes loss or damage to your vehicle caused by another party, whether they are insured or not. It also includes the cover provided by our Third Party Property Damage Cover. (See below.) However, if you have the Named Driver option shown on your car insurance Certificate, only the people listed as Named Drivers are covered. (See page 18 for details.)
Fire, Theft and Third Party Property Damage/Extra Cover
You or anyone you authorise to drive your vehicle are covered for any accidental loss of or damage to your vehicle caused by fire or theft in the period of insurance. Fire, Theft and Third Party Property Damage/Extra Cover also includes Third Party Property Damage Cover. (See below.)
Third Party Property Damage Cover
You or anyone you authorise to drive your vehicle are covered for the amounts you must legally pay another person to compensate for loss of or damage to their property if the loss or damage is caused by your vehicle as a result of an event in the period of insurance. Our cover is limited to $20 million (unless a lower limit is shown on your car insurance Certificate). It includes legal and other costs that we have agreed to pay when you make a claim. The amount shown on your car insurance Certificate is the most that we will pay under any cover, even if there are several claims against you relating to the event.
The cover includes:
- property damage that is the responsibility of your employer, principal or partner because you were driving your vehicle in connection with your occupation.
- the cost of cleaning up by emergency services after an event involving your vehicle
- claims for damage to another vehicle or property because a vehicle collided with or tried to avoid colliding with:
- property falling from your vehicle or
- property being loaded or unloaded from your vehicle.
We are always available to discuss your car insurance needs.
Before taking out an insurance policy it is important you read through the appropriate product and disclosure statement)