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See the table below for a more detailed outline of what features and options are available with each of our Car Insurance Policies.

Policy Features

Feature Gold Comprehensive Car Insurance Full Comprehensive Car Insurance Third Party, Fire & Theft Third Party Car Insurance
Lifetime guarantee on repairs

We guarantee our repairs for as long as you own the car

Flexible payment options

You can select to pay annually or by instalments via direct debit or credit card.

Hire car

If your car is stolen, we will pay up to $1,000 towards hiring a similar vehicle for up to 14 days.

Transport and accommodation

We'll pay for your transport home, or if you're too far from home, we will pay for temporary accommodation.

$100 per day up to $850 in total $100 per day up to $300 in total
Personal effects cover

We will pay for personal effects damaged in the event of a collision, forced entry or theft.

$500 limit $250 limit (collision only)
Caravan or Trailer cover

We will pay towards your caravan or trailer if it is damaged in the event of a collision.

$1,000 $500 (trailer only)
No excess to pay when third party is identified and at fault

All you need to do is provide us with the name, address and registration number of the other vehicle.

NA NA
No Claim Discount preserved when third party is identified and at fault

You can retain your NCD if you are involved in a no fault accident or if you make a windscreen claim.

NA NA
$3,000 cover for uninsured motorists extension

If the other driver is uninsured and at fault, and you report the accident to police and provide us with their name, address and registration number, we will pay up to $3,000 to repair your damage.

NA NA
Replacement of child restraints

We will pay up to $500 for replacement of child seats or baby capsules damaged in an accident or stolen with your car.

New car replacement

If your new car is written-off, we will replace it with a new vehicle of the same make, model or series, plus cover the first 12 months of registration and CTP.

First 24 months / 40,000km First 12 months
Debris removal

We will pay up to $500 to clean up after an accident.

$5,000 death benefit

We will pay up to $5,000 to your family if your death results from an accident whilst driving the car.

Replacement of keys / remote

If your keys or remote are stolen we will cover the replacement costs up to $1,000.

Roadside assistance

For when the insured customer's vehicle breaks down and / or needs towing due to a flat battery or tyre, a lack of fuel or the loss / lock in of car keys.

Optional Extras

Extra Gold Comprehensive Car Insurance Full Comprehensive Car Insurance Third Party, Fire & Theft Third Party Car Insurance
Agreed value or Market value

You can select to insure your car for the market value or an amount we agree to insure your vehicle for.

Market value only NA
Maximum No Claim Discount protection

Maximum No Claim Discount protection entitles you to make one claim during your current insurance period or two claims in a three year period, without affecting your maximum NCD (Rating 1).

Hire car following accident

If your car is being repaired after an accident for which you have claimed, we will arrange a hire car for up to 14 days.

Windscreen excess reduction

For a small extra premium, you can reduce your windscreen excess to $40.

Restricted driver discounts

Restrict the age of drivers of your vehicle for a lower premium.

Variable excess to reduce premium

You can select to reduce your premium by increasing the excess in the event of a claim.

This is a brief summary only. Conditions apply. Full details are contained in the Combined Financial Services Guide and Product Disclosure Statement (including Policy Wording), available from the policy documents page.

1300 Insurance's car and home and contents insurance is offered by 1300 Insurance Pty Ltd (ACN 124 845 727; AR No 327609) as an Authorised Representative of Auto & General Services Pty Ltd (ABN 61 003 617 909; AFSL 241411). Auto & General Services arranges the insurance on behalf of the insurer, Auto & General Insurance Company Limited (ABN 42 111 586 353; AFSL 285571). Because we don't know your financial needs, we can't advise if this insurance will suit you. You should consider your needs and read the Product Disclosure Statement and Financial Services Guide before making a decision to buy insurance. Not available in NT.