![](https://over50insurance.com.au/wp-content/uploads/2023/10/0920234928OFI_OFIInsIcon_100x100.png)
on your 1st year’s premium when you quote & buy a new comprehensive policy online1, 2
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Pay by the month at no extra cost7
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Choose your own repairer5
Why choose Over Fifty Comprehensive Car Insurance?
With a 24/7 online claims lodgment service, a monthly payment option7 and a choice between Comprehensive and Third Party Property Damage cover, Over Fifty Car Insurance gives you the flexibility so you can choose to manage your car insurance in a way that suits you.
Comprehensive policy inclusions
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New for old replacement
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.
![](https://over50insurance.com.au/wp-content/uploads/2023/10/0920234949OFI_OFIInsIcon_100x100.png)
Emergency repairs
Cost of emergency repairs after a covered accident – up to $500 for any one incident.
![](https://over50insurance.com.au/wp-content/uploads/2023/10/0920234950OFI_OFIInsIcon_100x100.png)
Rental car
Rental car after theft of your vehicle – $100 per day limit, up to 30 days6
![](https://over50insurance.com.au/wp-content/uploads/2023/10/0920234951OFI_OFIInsIcon_100x100.png)
Towing costs
Reasonable cost of towing after a covered incident
![](https://over50insurance.com.au/wp-content/uploads/2023/10/0920234952OFI_OFIInsIcon_100x100.png)
Replacement locks
Lock re-keying / re-coding if the keys to your vehicle are stolen – up to $1,000 for any one incident
![](https://over50insurance.com.au/wp-content/uploads/2023/10/0920234953OFI_OFIInsIcon_100x100.png)
Personal items
Cover for personal items in your vehicle – up to $1,000 for any one incident.
![](https://over50insurance.com.au/wp-content/uploads/2023/10/0920234954OFI_OFIInsIcon_100x100.png)
Replacement vehicle cover
Temporary cover on replacement vehicle – 14 days
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Emergency accommodation & travel expenses
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
![](https://over50insurance.com.au/wp-content/uploads/2023/10/0920234938OFI_OFIInsIcon_100x100.png)
Legal liability & legal costs
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 – along with legal liability cover when using a substitute vehicle.
Additionally, cover for approved legal costs arising from a claim for liability covered by the policy.
![](https://over50insurance.com.au/wp-content/uploads/2023/10/0920234956OFI_OFIInsIcon_100x100.png)
Transportation costs
Cover for transportation costs if your vehicle cannot be safely driven home after a covered accident – up to $500 for any one incident
![](https://over50insurance.com.au/wp-content/uploads/2023/10/0920234957OFI_OFIInsIcon_100x100.png)
Trailer and caravan cover
$1,000 or market value of the trailer or caravan, whichever is the lesser.
![](https://over50insurance.com.au/wp-content/uploads/2023/10/0920234958OFI_OFIInsIcon_100x100.png)
Child seat / baby capsule replacement
Cover for replacement of child seat / baby capsule in your vehicle after a covered accident – up to $500 for any one incident
Optional comprehensive covers
Apply to add any of these optional covers for an additional premium and greater cover
Rental car
Rental car following accident, where available – $100 per day limit, up to 30 days6
Windscreen excess removal
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
Tools of trade
Cover for tools of trade – up to $3,000 for any one incident
Policy options
Comprehensive Insurance
The highest level of cover we offer for your vehicle which provides cover for fire, theft, accidents and malicious damage. It also covers your legal liability for loss or damage to someone else’s property caused by a motor vehicle accident which is partly or fully your fault.
Third Party Property Damage
Covers your legal liability for loss or damage to someone else’s property caused by a motor vehicle accident which is partly or fully your fault.
Prefer to talk to a real person?
Call our friendly and experienced customer care team (Monday to Friday 8:30am to 6pm AEST)
Policy Documents and Key Fact Sheets
For full details of the standard terms, conditions, limits and exclusions that apply please read the Product Disclosure Statement (PDS), any applicable supplementary PDS before making a decision to purchase the insurance.
How to make a claim
Make a claim 24/7 using our online claims form or call 1300 55 50 30 to speak to a consultant.
What you need to get started
You’ll need the following details to start your claim. The Claims team will contact you to discuss next steps once your claim is received.
- Details of the incident (such as the date, where the damage occurred, any other vehicles involved).
- Other drivers’ details such as name, address, and licence number (if available)
- Supporting documents or images (if available).