Accidents happen. If they do, know your vehicle is covered for accidental damage caused by you or someone else.8
Not all damage is accidental. So, if someone intentionally damages your car, that’s covered as well.9
We’ll provide cover for damage to your car caused by a storm, hail or flood.10
From engine fire to electrical fire, if your car is damaged by fire, we’ll cover the cost to replace or repair it.11
If someone steals your car, or tries to and causes damage to the vehicle, we’ll cover the cost to replace or repair it.12
As rare as they are here in Australia, earthquakes can still hit and cause major damage. So, your car will be covered if it’s impacted.13
If your car accidentally causes damage to another person’s property, we’ve got you covered for up to $20 million in legal liability costs.14
We’ll cover the reasonable cost of towing and storing your vehicle at the nearest suitable place to the incident location, following an insured event.15
If your car is not safe to drive after an insured event, we’ll reimburse up to $100 for personal transport from the scene of the incident, to and from the car’s repairer, or to and from a hire car provider.16
If your car is involved in an insured event and isn’t safe to drive, and you’re more than 100km from home, we’ll reimburse up to $1,000 for your emergency accommodation, transport or repairs.17
We’ll pay for the reasonable cost of a hire car for up to 21 days after theft or attempted theft so you can stay on the move.18
If the driver of another vehicle is at fault in an accident that causes loss or damage to your vehicle, we’ll cover the cost of a suitable hire car to help you get around.19 Conditions apply – see the PDS for full details.
You can choose to add the option to get a hire car for up to 21 days for all other insured events.20 Note: This optional cover may not always be available to you. If you ask and we agree to add the option, the details will be noted on your policy schedule and you’ll be charged an additional premium.
If the keys to your car are stolen, we’ll cover the cost up to $1,000 after excess to replace or recode the car’s locks and keys.21
We’ll replace the following items that are on or in your car should they be damaged as a result of an insured event:22
It’s not just your car that we’ve got covered after an insured event – we’ll also cover the contents inside it if they’re affected, with up to $150 per item and up to $750 for each claim.23
Your unbraked trailer will be covered for its market value up to $1,500 if it’s damaged as a result of an insured event.24
Sold or traded in your current car? We’ll insure your replacement car for up to 14 days after purchase for the same level of cover as the car that it replaced. Where you have Comprehensive or Third Party Fire & Theft cover, the most we will pay for a claim on the replacement car is its market value up to a maximum of $100,000.25
Suffered an overwhelming road incident? We’ll help look after your mental health too, with reimbursement of up to $1,500 per person – including you, listed drivers and household members – toward costs you incur for counselling sessions needed after an incident where a claim has been accepted.26
If a driver of your car sustains a fatal injury as a result of an accident while driving with your permission, we’ll help the deceased driver’s estate cover costs related to the funeral, burial, or cremation. This benefit is capped at $5,000 in any one contract period.27
From a flat tyre to a dead battery or a car that just won’t go, our roadside assistance will help get you out of trouble 24/7. Some limits and restrictions apply – see details in the PDS and Roadside Assist T&Cs.4
If your business items are stolen from a locked boot or lockable compartment, or damaged in an insured event, our optional cover for business items has you covered. If you have selected this option on your policy, we’ll cover the replacement cost up to $400 for each item, with a maximum amount of $2,000 per claim.20 Note: This optional cover may not always be available to you. If you ask and we agree to add the option, the details will be noted on your policy schedule and you’ll be charged an additional premium.
If your vehicle is a campervan or motorhome, we’ll cover the contents inside up to $1,000 per item if loss or damage has occurred due to an insured event. The most we’ll pay for each claim is noted on your policy schedule.20 Note: This optional cover may not always be available to you. If you ask and we agree to add the option, the details will be noted on your policy schedule and you’ll be charged an additional premium.
