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Not sure which type of car insurance cover to choose? Here’s a handy comparison chart so you can compare features and benefits.

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

Key Features

Feature Comprehensive Insurance Third Party, Fire & Theft Third Party Property Damage

Cover for accidental loss of or damage to your vehicle caused by fire or theft

Cover for accidental loss of or damage to your vehicle (caused by events other than fire or theft)

New for old replacement of a new vehicle after a total loss, if you purchased your vehicle new from the manufacturer or dealer and your vehicle is less than 2 years old from its first registration at the time it is declared a total loss

Cover for your legal liability (up to $20 million for any one event or series of related events)

Accidental death benefit - $25,000 per period of insurance

Legal costs

Emergency repairs – up to $500 in respect of any one incident

Rental car after theft ($100 per day limit, up to 30 days)

Reasonable cost of towing

(after a covered incident)
(after fire or theft of your vehicle)

Temporary cover on replacement vehicle – 14 days

More Benefits

Feature Comprehensive Insurance Third Party, Fire & Theft Third Party Property Damage

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

Legal liability cover when using a substitute vehicle

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

Emergency accommodation and travelling expenses – up to $1,000 for any one incident

Transportation costs – up to $500 for anyone incident

Lock re-keying / re-coding – up to $1,000 for any one incident

Child seat / baby capsule cover – up to $500 for any one incident

Optional benefits you can add

Add-On Comprehensive Insurance Third Party, Fire & Theft Third Party Property Damage

Protected No Claim Bonus - 1 st claim per period of insurance

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

Removal of basic excess for windscreen claims - 1 replacement and 2 repairs in any period of insurance

Emergency accommodation and travelling expenses – up to $1,000 for any one incident

Cover for tools of trade (Up to $1,500 for any one incident)

Optional excesses you can select to decrease your premium 1

Excesses Comprehensive Insurance Third Party, Fire & Theft Third Party Property Damage

Restricted driver excess - $2,500 any one claim

Unnamed driver excess - $2,500 any one claim

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.

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.