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Compare Car Insurance Australia Vic – This helps cover the cost of damage to someone else’s car or property. Damage to your own vehicle will not be covered.
Compulsory third party insurance (CTP) is compulsory insurance that protects those driving your vehicle (including yourself) for injuries caused to others in a car accident, usually due to your negligence.
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¹ Driver exemption applies if the driver does not have a license, does not meet the requirements of a license, refuses a drug or alcohol test, is under the influence of drugs, or exceeds the legal alcohol limit. Applies if exceeds. Please refer to PDS Comprehensive Auto Insurance or Third Party Property Damage Auto Insurance for complete coverage exclusions regarding driver, usage, and other rules listed in the “Exclusions” section. Additional allowances apply to drivers under 25 years of age.
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Covers damage caused to someone else’s car or property (covers legal liability arising from a single accident or a series of related events).
You have the option of getting an agreed price, provided the same make and model is available in Australia, or getting a new car if it is totaled within two years of its year of manufacture.
When you rent a car after a collision that was not your fault, you will be provided with the details of the other driver. If this is not possible, we will provide a $50 per day transportation fee²
² We will repair rental cars of the same size and type as your car after a covered collision where you were not at fault and provided details of the at-fault party. You will be renting your vehicle for the period it takes for us to repair your vehicle, pay you for the repairs, or determine whether your vehicle is a total loss. If a rental car of the same size and type (such as a mid-size SUV) is not available for your vehicle, we will pay you a $50 travel allowance per day for as long as we provide a rental car. See PDS for more information.
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If you are involved in a covered accident more than 100km from your home and are unable to drive, you will be charged additional emergency accommodation costs.
Accidental damage to or theft of personal property or clothing in your vehicle after a covered accident. Unless the car was left unlocked when the item was stolen, or the car itself was damaged or stolen. Personal property does not include cash, credit cards, checks, firearms, tools, or other business-related items.
This is the cost of replacing a child seat or infant capsule in your car if it is damaged or stolen after a covered accident, unless the car itself is damaged or stolen.
Records of key replacement and locking if the key is stolen and a theft report is submitted to the police.
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Covers transportation expenses from the accident scene to the repair shop or rental car company.
Eliminate excess for one complete windshield, window or sunroof replacement and two repairs per policy period.
We’ll provide you with a rental car or $50 per day of transportation if we can’t arrange one for each qualifying incident¶
3 If you choose this option, we will arrange a rental car of the same size and type as your car for as long as it takes to repair your car, pay for the repairs, or determine whether your car is a total loss. . This applies after the event in question, regardless of who is at fault. If a rental car of the same size and type (such as a mid-size SUV) is not available for your vehicle, we will pay a $50 per day travel allowance for as long as we provide a rental car. See PDS for more information.
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This is just an overview of some of the features available with our comprehensive car insurance and motor third party property damage insurance policies. These features apply to customers who purchase new insurance after September 9, 2021. Before deciding on this insurance, carefully review the PDS, which outlines the terms, conditions, limitations, and exclusions.
Our comprehensive auto insurance customers have rated their claims 4.3 out of 5 in the past year. Read more customer testimonials.
Our comprehensive car insurance covers not only accidental damage or theft of your own car, but also damage you cause to someone else’s car or property while using your car. Our third party property damage car insurance does not provide coverage for your own car, only your liability to pay compensation for damage caused to someone else’s car or property while using your car.
For a detailed explanation of how comprehensive motor insurance and third party property damage insurance costs are determined, please refer to the relevant Premiums, Excesses, Discounts and Options (PED) guide please.
𝑭𝒊𝒇𝒕𝒚 𝑺𝒕𝒂𝒓 𝑪𝒂𝒓 𝑹𝒆𝒏𝒕𝒂𝒍𝒔 𝑴𝒆𝒍𝒃𝒐𝒖𝒓𝒏𝒆
We acknowledge Aboriginal and Torres Strait Islander peoples as the Traditional Custodians of the lands on which we live and work across Australia. We pay our respects to Indigenous Elders past and present.
The advice given here does not take into account your personal goals, financial situation or needs. Terms, limitations and exclusions apply. Please consider the Product Disclosure Statement (PDS)/policy language and supplemental PDS (if applicable) before deciding on this insurance. If applicable, the PDS/Policy Wording, Supplemental PDS, and Target Market Definition (TMD) for this insurance are available on this website. We do not provide any advice even if you call us regarding product inquiries or product purchases.
Australia Insurance Limited is ABN 15 000 122 850 AFS license number. 234708 The insurer for all general insurance products offered is Australia Life Insurance Limited ABN 27 076 033 782 AFS License No. 234708. 296559 is an insurance company for all life insurance products it offers. Each organization is responsible for all statements and representations made regarding its products on this website. You can use standard accessories or add additional features to suit your needs and budget, such as adding a rental car cover, removing an extra windshield cover, or choosing your own license. Repair shop¹
If you were involved in a no-fault crash and can’t drive your car until repairs are completed or compensation is paid, rent a car. You will need to provide the name and address of the at-fault driver to your insurance company.
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The longer you’ve been a member, the greater your discounts on some products with long-standing membership benefits. *
Save up to 10% on two or more eligible policies, including home and auto insurance, on each policy. *
Comprehensive car insurance can cover a variety of events. Here’s an overview of what’s included:
If your car is not safe to drive or needs repair. You must provide details of the failing driver.
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If available, it applies if the vehicle is less than two years old and the insurance considers it a total loss and agrees to pay the claim.
If you have a driver’s license, your vehicle will also be covered. Additional excess charges may apply for inexperienced drivers or drivers under 25 years of age.
This is just a summary of comprehensive insurance coverage. Please read our product disclosure statement for more information, including terms, limitations, and exclusions.
See the Product Disclosure Statement for general exclusions and details of what is not covered.
Comprehensive Car Insurance
For even more peace of mind, you can increase your coverage with optional add-ons. Then you will have to pay more on top of your insurance premium.
Comprehensive insurance also protects you against no-fault collisions with your rental car and theft or attempted theft of your vehicle, provided you provide details of the at-fault driver. Adding this option will ensure that you are covered for your rental car regardless of who is at fault.
With this option, you won’t have to pay extra if only your car’s windshield, sunroof, or windows are damaged in an accident.
When you purchase comprehensive insurance, we will arrange for your vehicle to be repaired at a partner factory. If you select this option, you can choose a licensed factory to repair your vehicle.
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Covers you if your car is caught in a fire or stolen. Additionally, unintentional collisions can cause damage to other people’s property or vehicles.
You can log in to your online account to view your policy documents and update your personal information and payment methods. For any other changes, please call us on 13 72 28.
This is your agreement for your insurance to insure your vehicle. It can be selected within a range of values and remains fixed for the duration of the policy.
At renewal time, your insurance will use local market prices to account for changes in the agreed price of your vehicle. Please check the update notice for changes.
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This is the estimated value of your vehicle at the time of the accident for which you are making an insurance claim. Local market value, vehicle age and condition are taken into account.
When purchasing comprehensive car insurance, you only have a choice between contract value and market value.
There are also some differences in the amount of compensation. For example, Complete Care® insurance covers up to $100 per day in rental car costs after an accident until the claim is resolved, which is more than comprehensive insurance.
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