Motor insurance comparison

Motor insurance policy features comparison: Comprehensive vs Third Party Property Damage

Comprehensive Insurance / Third Party Property Damage – Comparison Table:

This is a summary only. For information on what is covered and not covered and the standard terms, conditions, limits and exclusions of cover, please read the Product Disclosure Statement.

Key Features Comprehensive Insurance Third Party Property Damage
Cover for accidental loss of or damage to your vehicle Yes No
New for old replacement of a new vehicle of the same make, model, engine size, features and paint type after a total loss, if: 
• you purchased your vehicle new (or as a demonstrator model) from the manufacturer or their dealer;  
• your vehicle is less than 2 years old from its first registration at the time it is declared a total loss;
• where relevant, your financier has given its written consent; and
• a new replacement vehicle is available in Australia.
 
Yes No
Cover for your legal liability for loss or damage to other people's property and legal liability for supplementary bodily injury– up to $20 million for any one event or series of related events 
Yes Yes

 Cover 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, provided that:
• you did not contribute to the cause of the accident;
• 
you can provide the name and address of the person responsible for the accident; and
• 
you can provide the registration number of the other vehicle; or
• 
any other information that would reasonably allow us to identify the person so that we can exercise our rights of recovery.

No   Yes
Approved legal costs arising from a claim for liability covered by the policy
Yes Yes
Cost of emergency repairs after a covered accident – up to $500 for  any one incident
Yes No
Rental car after theft of your vehicle - $100 per day limit, up to 30 days1
Yes No
Reasonable cost of towing after a covered incident
Yes No
Temporary cover on replacement vehicle – 14 days
Yes 
No
Trailer and caravan cover - $1,000 or market value of the trailer or caravan, whichever is the lesser
Yes
No
Legal liability cover when using a substitute vehicle
Yes Yes
Cover for personal items in your vehicle  – up to $1,000 for any one incident Yes No
Cover for reasonable emergency accommodation and travelling expenses after a covered accident, provided that your vehicle was more than 100km from where it is normally parked at night – up to $1,000 for any one incident Yes No
Cover for transportation costs if your vehicle cannot be safely driven home after a covered accident – up to $500 for any one incident Yes No
Lock re-keying / re-coding if the keys to your vehicle are stolen – up to $1,000 for any one incident Yes No
Cover for replacement of child seat / baby capsule in your vehicle after a covered accident – up to $500 for any one incident Yes No

Optional benefits you can add

Rental car following accident, where available - $100 per day limit, up to 30 days1 Yes No
Removal of basic excess for windscreen claims if the broken windscreen is the only damage to your vehicle - 1 replacement and 2 repairs in any period of  insurance Yes No
 Cover for tools of trade – up to $3,000 for any one incident  Yes No 

Options you can select to decrease your premium

Named driver option Yes No

How to apply

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Need help or want some more information

Call us today for more information on Comprehensive Car insurance on 1800 800 225 8am to 7pm, weekdays or 9am to 3pm Saturday.

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