Protect yourself against any accidental loss to your vehicle as well as others.
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 Australia’s leading insurers you will have the piece of mind of 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:
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Comprehensive Car Insurance
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Fire, Theft and Third Party Property Damage/Extra Cover
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Third Party Property Damage Cover.
Comprehensive Car Insurance
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)
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:
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property damage that is the responsibility of your employer, principal or partner because you were driving your vehicle in connection with your occupation
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the cost of cleaning up by emergency services after an event involving your vehicle
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claims for damage to another vehicle or property because a vehicle collided with or tried to avoid colliding with:
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property falling from your vehicle or
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property being loaded or unloaded from your vehicle.
Should I get car insurance?
If you are financing a car then comprehensive insurance is compulsory. The benefit is if you damage your car (either minimally or beyond repair) and don’t have enough cash to either fix or purchase a replacement then this insurance will cover the cost. Comprehensive insurance gives you peace of mind.
What's the Yellow Line?
Car insurance is a small price to pay to safeguard you in case something goes wrong.
Other than a home, your motor vehicle is likely to be your largest asset so you want to make sure that you are protected. As well as your own car, if you are at fault, you will be liable to pay for the repairs to any other car or property that you may damage if you are at fault in an accident.
Not having insurance, doesn't mean that you do not have to pay. If you are at fault and do not have insurance, the innocent party can recover their financial loss as well as legal and recovery costs, which could mean, that you lose your home, go bankrupt or have your wages garnisheed.
One of our insurance specialists can provide you with all the information you need to make the decision on the best insurance cover for you.
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