Cover for accidental loss of or damage to your vehicle

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.

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

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 and;
• can provide us with:
  • the name and address of the person responsible for the accident;
  • 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.

Approved legal costs arising from a claim for liability covered by the policy

Cost of emergency repairs after a covered accident – up to $500 for any one incident

Rental car after theft of your vehicle - $100 per day limit, up to 30 days

Reasonable cost of towing after a covered incident

Temporary cover on replacement vehicle – 14 days

Trailer and caravan cover - $1,000 or market value of the trailer or caravan, whichever is the lesser

Legal liability cover when using a substitute vehicle

Cover for personal items in your vehicle – up to $1,000 for any one incident

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

Cover for transportation costs if your vehicle cannot be safely driven home after a covered accident – up to $500 for any one incident

Lock re-keying / re-coding if the keys to your vehicle are stolen – up to $1,000 for any one incident

Cover for replacement of child seat / baby capsule in your vehicle after a covered accident – up to $500 for any one incident

Rental car following accident, where available - $100 per day limit, up to 30 days

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

Cover for tools of trade – up to $3,000 for any one incident

Named driver option