What personal effects will be covered by my car insurance?

'Personal effects' are your personal belongings that are in your car at the time of an accident.
With our Comprehensive car insurance policies you will have cover for damage to your personal effects resulting from an accident. Gold Comprehensive policies include extra cover for theft or damage of items such as child restraints.  

Limits do apply, so please see our car insurance Product Disclosure Statement for details.

What personal effects will be covered by my car insurance?

You have three easy ways to apply for car insurance through 1300 Insurance. If you meet the eligibility criteria, you could buy your car insurance in the following ways:

  1. Get a quick quote and then buy securely online, 24 hours a day, 7 days a week
  2. Complete an online quote then simply call one of the helpful consultants on 1300 467 872 to complete the purchase of your policy. Make sure you have your online quote reference number when you call.
  3. Call a helpful consultant on 1300 467 872 to get a quote and purchase your insurance over the phone.

The call centre is open Monday to Friday between 8.00am and 9.00pm (EST) and Saturday 8.00am to 5.00pm (EST).

If you need to make a car insurance claim, simply call 1300 467 872 and a friendly, professional claims consultant will help you with the claims process. Alternatively, you can submit an online claim form – find out more here.

Your insurer will aim to have all claims processed promptly and to make the process as easy as possible.

There are several ways that could reduce the cost of your comprehensive car insurance. These include restricting cover to drivers aged 25 years or over or increasing your excess2.

If you wish, you can spread the cost of your insurance by paying in convenient monthly instalments at no extra cost1. You can also save up to 10% on your comprehensive car insurance just by buying online2,3.

If you meet the eligibility criteria, you may be able to get insurance with one easy online session or phone call. Make sure you have details of your car and driving record on hand.

You can choose whether your insurance will start on the day you take out your policy, or within 30 days.

For your convenience and security, you can pay for your insurance securely online in two different ways. You can pay with a Visa or MasterCard, or alternatively you can choose to pay by direct transfer from your bank, credit union or building society account.

There are many benefits to applying for insurance online:

  1. You can apply for cover whenever it suits you - 24 hours a day, 7 days a week
  2. Lodging your claim online is generally faster than over the phone
  3. You can save up to 10% if you buy comprehensive car insurance online2,3

Just like buying your insurance over the phone, if you buy your car insurance online, your cover will begin on the start date you request. That date can be the same day, or within 30 days.

If you purchase your comprehensive car insurance through 1300 Insurance, you can tailor cover to suit your needs and budget.

If you want to reduce your premium, you can restrict your cover to only drivers aged 25 years of age or over2. This will limit the cover available under the policy and will lower the premium. You can also choose to increase the basic excess you’ll pay if you need to make a claim2.

You can also add optional benefits such as:

  1. Removal of basic excess for windscreen claims
  2. Protected No Claim Bonus
  3. Rental car following an accident (where available), up to $100 per day for up to 30 days, so you won’t be stuck without wheels

No two car insurance policies are the same so you need to compare the benefits carefully before you buy. Make sure you read the Product Disclosure Statement for each policy so you understand the standard terms, conditions, limits and exclusions of the product.

Here are some of the great benefits of comprehensive car insurance available through 1300 Insurance:

  1. Guarantee on repairs for as long as you own the vehicle
  2. Flexibility to choose your repairer
  3. Option to protect your maximum No Claim Bonus

Car insurance premiums are calculated based on the level of 'risk' the insurance underwriters associate with you and your car. Simple things that differentiate you from someone else contribute to that assessment of 'risk'.

Key factors include:

  • The make and model of the car
  • The ages of everyone who drives the car
  • Where the car is kept. Not all insurers treat each suburb the same, and parking in a garage rather than on the street can make a difference.
  • Your driving history and the frequency of any claims you have made.

Market value is the cost to replace your vehicle with one of the same make, model, age and condition as your vehicle immediately prior to the loss or damage. It does not include any allowance for vehicle registration, CTP insurance, dealer warranty costs, stamp duty transfer, transfer costs or dealer delivery.

To get an idea of what your car may be worth you can search for the make and model on the Redbook website at www.redbook.com.au.

Agreed value is the amount the insurer agrees to insure your vehicle for, as shown on your policy schedule. Since the market value of your car will change over time, the agreed value could be higher or lower than the market value at the time you make a claim.

Please refer to the Product Disclosure Statement for further information.

Comprehensive car insurance offers the highest level of cover. It provides cover for accidental loss of or damage to your car, as well as cover for your legal liability for loss or damage to other people's property caused by a car accident which is partly or fully your fault.

Third party property damage is the most basic level of cover we offer. It provides cover for your legal liability for loss or damage to other people's cars or property caused by a car accident which is partly or fully your fault. It also provides a limited amount of cover for your car if it is damaged in an accident with an uninsured vehicle, where you are not at fault.

With third party fire and theft cover you receive third party property damage cover, plus additional cover for your own car for up to $5,000 if it is stolen or damaged by fire.

For the standard terms, conditions, limits and exclusions of cover, please refer to the Motor Insurance Product Disclosure Statement.

‘Personal effects’ are personal items which are designed to be worn or carried, but do not include items such as money, credit cards or personal music devices. With comprehensive car insurance you will receive up to $1000 cover for accidental damage to or theft of your personal effects resulting from a covered accident and up to $500 cover for your child seat or baby capsule following a covered accident.

Please refer to the Motor Insurance Product Disclosure Statement for the standard terms, conditions, limits and exclusions of cover.

Any excess which you have to pay on a claim will be set out in your policy documents. Payment of an excess helps to reduce the number of small claims, so it’s one of the ways in which your insurer keeps the cost of your premium down. You may also be able to lower the cost of your comprehensive car insurance by choosing a higher basic excess2.

The excess for each claim is determined by adding your basic excess and any other excess amounts applicable, depending on the type of cover you have taken out and the nature of the claim you are making.

You won’t have to pay any excess if you are not at-fault in an accident with another vehicle, where you can provide your insurer with the name and contact details of the other driver, and the claimable loss is recoverable by your insurer.

A No Claim Bonus/Rating level rewards you with a discount on your comprehensive car insurance premium for claims not having been made under the policy.

Your NCB /Rating level is calculated based on the years of driving experience you and any other covered drivers have and the claims history of you and any other covered drivers. Each claim free year of driving entitles you to an increased NCB /Rating level up to a maximum amount.

This is because your insurer believes you are less likely to make a claim than a less experienced driver. If you have more than one driver named on your policy, you will receive the discount for the driver entitled to the lowest No Claims Bonus / Rating level.

You can protect your maximum No Claim Bonus/ Rating level by selecting the optional benefit of Protected No Claim Bonus. If you choose this option, your NCB entitlement will not be reduced for the first claim you make which is your fault or where the responsible party cannot be identified, within any one period of insurance.

If you do not select (or if you are not eligible for) the optional benefit of Protected No Claim Bonus and you have a claim which is your fault or the responsible party cannot be identified, you may lose up to 2 Rating levels for each claim, reducing your NCB entitlement the next time you renew your policy.

You will not lose any of your NCB following a windscreen or window glass damage only claim, or if the other vehicle in a collision is entirely at fault and you provide your insurer with the name and contact details of the responsible party.

Before you buy insurance, you have a legal duty of disclosure to tell your insurer anything you know and that a reasonable person in the circumstances would include in their answer to any questions asked that are relevant to the insurer’s decision to insure you and on what terms. The duty applies until your insurer agrees to insure you. If you don’t comply, your insurer may cancel your contract, reduce the amount it pays for a claim, or both. If your failure is fraudulent, your insurer can refuse a claim and treat the contract as if it never existed.

If you are having trouble applying for cover online please call 1300 467 872 with your quote reference number and a friendly consultant will try to assist you.

The call centre is open Monday to Friday between 8.00am and 9.00pm (EST) and Saturday 8.00am to 5.00pm (EST).

The car insurance we offer is underwritten by Allianz Australia Insurance Limited ABN 15 000 122 850, AFSL No 234708 (Allianz).

Allianz is an Australian Insurer authorised to conduct insurance business in Australia by the Australian Prudential Regulatory Authority (APRA).

Allianz is a member of the Insurance Council of Australia and subscribes to the General Insurance Code of Practice.

1 Premiums payable by instalments may be subject to minor adjustments (upwards or downwards) due to rounding and financial institution transaction fees may apply.

2 Minimum premiums may apply. Any discounts/entitlements may be subject to rounding and only apply to the extent any minimum premium is not reached. If you are eligible for more than one, we also apply each of them in a predetermined order to the premium (excluding taxes and government charges) as reduced by any prior applied discounts/entitlements. Discounts may not be applied to the premium for optional covers.

3 The online discount applies to new comprehensive Motor Insurance policies only purchased through 1300 Insurance. Any online discounts offered are applied to our standard rates, but excluding all other optional covers. The online discount only applies to the first year’s premium (unless stated otherwise). Promotional or other discounts may apply from time to time for customers who apply for insurance via other methods.

Have a question that you'd like us to answer?

1300 Insurance Pty Ltd ABN 50 124 845 727 AR Number 327609 is authorised to refer you to the insurer Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL No. 234708 (Allianz) and to provide written general advice on this insurance as the insurer’s agent. We do not provide any advice based on any consideration of your objectives, financial situation or needs. Terms, conditions, limits and exclusions apply. Before making a decision, please consider the Product Disclosure Statement available here.

If you purchase this insurance, we will receive a commission that is a percentage of the premium. We will also receive a percentage of the profit which exceeds the profit threshold on Home (excluding flood), Landlord (excluding flood), Motor, Caravan and Trailer and Commercial policies referred by us to Allianz (or renewed with Allianz) in each calendar year, provided that the relevant premium threshold is met. From 1 September 2018, we will also receive an annual marketing allowance from Allianz for promoting its products. This is calculated as a percentage of the premium on Home, Landlord, Motor, Caravan and Trailer and Commercial policies referred by us to Allianz in the previous 12-month period. Ask us for more details before we provide you with services.