Comprehensive cover provides for loss or damage to your vehicle, including legal liability for loss or damage to another person’s property.

The insurer also offer two discounted premiums:

• Nominated Driver Motor Vehicle Insurance - Available under all levels of cover, but only available for cars. If your car is normally driven by only one or two people who are 25 years of age or over.
• Nominated Driver Low Kilometre Motor Vehicle Insurance -Available under Comprehensive cover, but inly available to cars. If your car is normally driven by only one or two people who are 25 years of age or over AND is driven less than 10,000 kilometres a year, this policy offers an even larger discount on the premium.

Comprehensive cover features

• No claim bonus discount
• Policy excess
• Faultless excess
• Market or agreed value
• New car replacement
• Hire vehicle costs 
• 14-day automatic cover
• $20 million liability cover
• Windscreen extension
• Trailer attached to your vehicle
• Towing and transport of your vehicle
• Emergency repairs
• Towing
• Personal items
• Transport or accommodation when you are away from home

No claim bonus discount

For each at fault claim-free year, you can increase your No Claim Bonus entitlement, giving you a higher discount on your premium. After only five years of claim free driving you can enjoy the benefits of the maximum No Claim Bonus

Policy excess

An excess is the amount you contribute to the settlement of your claim. The motor vehicle insurance policies have standard excess amounts as well as excesses based upon driver age and experience. Young and inexperienced drivers are subject to an irremovable excess.

Faultless excess

If the insurer agrees that the incident was not the fault of the driver of your vehicle, and the insurer is provided with the contact details of the person who caused the incident, including their name, current residential address and vehicle registration, and who they are insured with, you won’t need to pay your excess.

Market or agreed value If your vehicle is destroyed or stolen and not recovered, the Comprehensive Motor Vehicle Insurance gives you the choice of two ways to settle your claim:

• Market value – the most popular and less costly option. The value of your vehicle is determined after the claim is lodged. Market value means the amount of money it would cost to replace your vehicle in your local area with an identical vehicle. The insurer will take into account the condition of your vehicle. This amount includes any GST and stamp duty you must pay for the transfer of ownership  of the replacement vehicle.
• Agreed value – The fixed amount the insurer agrees to insure your vehicle for. This value includes modifications, manufacturers' options and accessories that the insurer has agreed to insure.

New car replacement

If your car is stolen or destroyed when it is less than 24 months old, and has travelled under 30,000kms; or more than two years old, but less than three years old, and has travelled under 50,000kms, the policy cover enables you to replace your car with a new one including the cost of registration and dealer delivery.

Hire Vehicle costs

If your vehicle is stolen or if it is unsafe to drive, ride or tow as a result of theft or attempted theft, the insurer will pay the cost of a hire vehicle for up to 14 days

14-day automatic cover

If you replace your insured vehicle for another within 30 days, the same level of cover for up to 14 days for your new vehicle, provided you tell the insurer about the vehicle within the 14 days, can be arranged.

$20 million liability cover

Up to $20 million liability cover for loss or damage to other peoples' property as a result of an incident.

It includes liability cover for personal injury when there is no insurance required by law to provide cover for death or bodily injury. If there is such insurance available and you do not take it, the policy doesn't provide any cover. There is no cover for injury to the driver or any member of their family or anyone who lives with them. There is also no cover for injury to you or any member of your family (or anyone who lives with you).

Windscreen Extension

The comprehensive policy provides you with an option to select cover for one broken windscreen or window, in any one year, without having to pay the excess or affecting your No Claim Bonus

Trailer attached to your vehicle

Trailer cover is provided up to $1000 for loss or damage whilst attached to your vehicle

Towing or Transport of your vehicle

Cover for up to $500 to return your vehicle if it is damaged in an incident more than 100 kilometres from where you live.

Emergency repairs

Up to $500 cover for emergency or temporary repairs to your vehicle.

Towing

Cover for reasonable costs of towing your vehicle to a nearby repairer or place of safety after an accident.

Personal items

Up to $500 cover for personal property (such as clothing and luggage) that is in your car and damaged during an incident or stolen from your locked car, when you have comprehensive cover.

Transport or accommodation when you are away from home

When your vehicle is damaged in an accident more than 100 kilometres from your home, up to $500 cover to either transport you and your occupants back to your home, or accommodate you and your occupants for one night.

Talk to us now about protecting you and your family