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Comprehensive Insurance & Third Party Property Damage Comparison Table:

This is a summary only. For information on what is covered and not covered and the standard terms, conditions, limits and exclusions of cover, please read the Product Disclosure Statement

  • Save up to 10% on your first year’s premium for a new comprehensive car insurance policy when you buy online**^

  • Pay by the month at no extra cost

  • 24/7 claims lodgement service or phone 1300 555 013 to commence the claims process

Terms and conditions apply.
Key benefits Comprehensive Insurance

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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 of the same make, model, engine size, features and paint type 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 for any one incident, 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; or
  • any other information that would reasonably allow us to identify the person so that we can exercise our rights of recovery.
  • 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 days6
    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 emergency 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 replacement of child seat / baby capsule in your vehicle after a covered accident – up to $500 for any one incident
    Optional benefits you can add:
    Rental car following accident, where available - $100 per day limit, up to 30 days⁶
    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:
    Named driver option
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    Next steps

    Start a quote nowRetrieve a quoteMake a claim

    Over the phone – 24 hours a day, 7 days a week claims hotline

    To submit a claim over the phone call 13 31 30, select claims and one of our friendly consultants will assist you.

    Over Fifty Insurance Pty Ltd ABN 58 007 165 200 AR 295939 arranges this insurance as agent for the insurer Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL No 234708. 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 from The relevant Target Market Determination is available by calling 13 31 30.  Ask us for more details before we provide you with services.
    Terms and Conditions
    **Online discounts
    The online discount applies to new comprehensive Motor Insurance policies only. Any online discounts offered are applied to our standard rates (excluding optional covers) and are for the first year’s premium only (unless stated otherwise). Promotional or other discounts may apply from time to time for customers who apply for insurance via other methods.
    ^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.
    #Safe driver discount
    Safe Driver Discount applies to comprehensive Motor Insurance policies only. Any discount entitlement is determined by the insurance history and driving history of all drivers on the policy and the number of claims made by them. If eligible, the maximum Safe Driver Discount that may be applied on new policies is up to 10%.
    Premium adjustments
    Premiums payable by installments may be subject to minor adjustments (upwards or downwards) due to rounding and financial institution transaction fees may apply.
    1Cover for accidental damage or loss to your car caused by flood, storm and hail
    2We will extend your rental car or daily travel allowance period to the extent that we caused or contributed to the delay in repairing your vehicle 
    Terms, conditions, limits, eligibility criteria and exclusions apply. Please see the relevant Product Disclosure Statement available on this website for details.