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This is a summary only. For the standard terms, conditions, limits and exclusions of cover, please refer to the Product Disclosure Statement

Key benefits

Feature Comprehensive Insurance Third Party Property Damage
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Cover for accidental loss of or damage to your vehicle

New for old replacement of a new vehicle 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, provided that:

  • you did not contribute to the cause of the accident;
  • you can provide the name and address of the person responsible for the accident; and
  • you can provide the registration number of the other vehicle.

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

Optional benefits you can add

Feature Comprehensive Insurance Third Party Property Damage

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

Options you can select to decrease your premium

Feature Comprehensive Insurance Third Party Property Damage

Named driver option

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Important information

1300 Insurance Pty Ltd ABN 50 124 845 727 AR Number 327609 is authorised to arrange and provide written general advice on this insurance as agent for the insurer Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL No 234708 (Allianz). 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 and Caravan and Trailer policies arranged or referred by us (or renewed with Allianz) in each calendar year, provided that the relevant premium threshold is met for those policies and Business insurance policies that we refer to Allianz. 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 Business insurance policies arranged or referred by us to Allianz in the previous 12-month period. Ask us for more details before we provide you with services.

1 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.