Car Insurance

Choosing comprehensive cover

No matter how careful you might be on the road, accidents can still occur.
Comprehensive car insurance provides cover for your car and damage you may cause to other people’s cars and property.

Below is a summary only. Please refer to the Motor Insurance Product Disclosure Statement (PDS) for more information.

Protect your car

  • Cover for accidental loss of (including theft) or damage to your vehicle
  • Cover for accidental damage or loss to your car caused by flood, storm and hail1
  • Reasonable costs of towing after a covered incident to the nearest repairer, place of safety or other agreed place
  • Cover for damage to other people’s property (Legal Liability) – up to $20 million


  • Approved legal costs arising out of a claim for liability covered by your policy
  • Legal liability cover when using a substitute vehicle
  • Guarantee on authorised repairs
  • A safe driver discount for eligible drivers^#
And more

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

Get a quote

Compare car insurance cover here


Why choose Over Fifty Insurance?

It’s simple

Obtain a quote, purchase a new comprehensive car insurance policy online and save up to 10% on your first year’s premium **^

Flexible payment options

We provide the option to pay by the month at no extra cost

Claims service

24/7 claims lodgement service

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 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. If you purchase this insurance, we receive a commission that is a percentage of the premium. We will also receive a percentage of the profit which exceeds the agreed profit threshold for Home and Motor policies arranged by us or renewed with Allianz in each calendar year. Allianz pays us an upfront marketing allowance each year which is calculated as a percentage of the premium earned on all insurance policies which we arrange for Allianz in the previous year. 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 instalments 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
Terms, conditions, limits, eligibility criteria and exclusions apply. Please see the relevant Product Disclosure Statement available on this website for details.