Motor Vehicle Insurance Policy Details

Comprehensive

Third Party Fire and Theft

Third Party Only

Fire & Theft Only

One event, one excess

If you have more than one policy with us and you need to make a claim, you only have to pay one excess - the highest one that applies.

Secured No Claims Bonus

If you hold our policy for five years in a row and don't make a claim, you qualify for our secured no claims bonus.

Damage to other person's property

Theft

Fire and explosion

Not at fault and no claims bonus protection

If another party is found to be completely at fault for an accident, we will refund your excess and ensure your No Claims Bonus remains unaffected.

Malicious damage

Storm, hail, lightning, rain, flood or other weather damage

Own vehicle damage

Optional hire car cover

For a small additional premium on your policy, if you make a claim, we'll provide you with hire car cover while your vehicle is being repaired or replaced. We'll contribute up to $100 per day, for up to 30 days, towards the cost of hiring a temporary replacement vehicle.

Automatic additional benefit

Comprehensive

Third Party Fire & Theft

Third Party Only

Fire and Theft Only

Accidental death

If you, your spouse, or any member of your family who normally lives with you is injured and, as a result then dies because of a sudden accidental event, while driving the vehicle or as a passenger, we will pay $20,000 to the estate of that person. A $20,000 sub-limit applies.

Accomodation and travel expenses

We will pay up to a maximum of $1,000 to cover any necessary and reasonable additional accomodation and travel expenses that you need to pay to complete your journey following an accident.

Glass breakage excess and no claims bonus protection

Claims for accidental breakage of windscreens, window glass, sun roofs and other body window glass will not have an excess applied and you No Claims Bonus will not be affected.

Locks and keys and no claims bonus protection

We will cover the reasonable cost of replacing locks and keys (including electronic access cards, transponders and remote door openers) if they have been lost, damaged, stolen or duplicated. You will not have an excess applied and your No Claims Bonus will not be affected.

Medical emergencies

In the event of a genuine medical emergency, we will provide cover for a driver who would otherwise be excluded, or cover you while driving another vehicle for which you do not have insurance.

New vehicle

If a vehicle is considered uneconomical to repair and it is less than 1 year old, or less than 2 years old with no more than 40,000 km driven, we will replace it with a new vehicle of the same make, model and specification.

Parts and accessories stored at home

We will provide up to a maximum of $1,000 cover for vehicle spare parts and accessories that are stored at home in a secure location.

Protection against uninsured drivers

If you have Third Party Only or Third Party Fire and Theft cover, and an uninsured driver who is completely at fault causes loss to your vehicle, we’ll pay up to the lesser of your vehicle’s current value or $3,000. If you have Comprehensive cover, you’re already covered for this type of loss under your main policy.

Replacement vehicle purchase

Any replacement vehicle purchased is automatically covered for 30 days on the same terms and conditions as the existing policy.

Trailers

We'll automatically provide cover for a trailer you own or which is in your care for its current value up to a maximum of $2,000.

Vehicle recovery costs

If your vehicle can't be driven away from an accident site, we'll pay the reasonable cost for removing it and transporting it to the nearest repairer or place of safety.

You choose your repairer

You can choose to either use one of our preferred repairers and we'll guarantee their repairs, or you can select a repairer of your choice.

Policy items

Sub-limit