| Overview |
Our highest level of cover for your vehicle which includes cover against 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.
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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.
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Cover for accidental loss of or damage to your vehicle
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Yes |
No |
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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 dealer and your vehicle is less than 2 years old from its first registration at the time it is declared a total loss
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Yes |
No |
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Cover for 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
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Yes |
Yes |
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Approved legal costs arising from a claim for liability covered by the policy.
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Yes |
Yes |
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Accidental death benefit - $25,000 per period of insurance
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Yes |
No |
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Emergency repairs – up to $500 in respect of any one incident
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Yes |
No |
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Rental car after theft ($100 per day limit, up to 30 days)6
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Yes |
No |
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Reasonable cost of towing
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Yes
(after a covered accident)
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No |
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Temporary cover on replacement vehicle – 14 days
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Yes |
No |
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Trailer and caravan cover - $1,000 or market value of the trailer or caravan, whichever is the lesser
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Yes |
No |
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Legal liability cover when using a substitute vehicle
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Yes |
Yes |
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Personal items in your vehicle – up to $1,000 for any one incident
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Yes |
No |
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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
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Yes |
No |
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Transportation costs if your vehicle cannot be safely driven home after a covered incident – up to $500 for any one incident
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Yes |
No |
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Lock re-keying / re-coding if the keys to your vehicle are stolen – up to $1,000 for any one incident
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Yes |
No |
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Cover for replacement of child seat / baby capsule in your vehicle after a covered accident – up to $500 for of any one incident
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Yes |
No |
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Cover for loss or damage to your vehicle wrising from an accident caused by the driver of the uninsured vehicle - up to $5000 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 responsbile 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.
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No |
Yes |
Optional benefits you can add
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Cover for tools of trade - Up to $3,000 for any one incident
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Yes |
No |
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Rental car following accident - $100 per day limit, up to 30 days6
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Yes |
No |
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Removal of basic excess for windscreen claims - 1 replacement and 2 repairs in any period of insurance
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Yes |
No |
Options you can select to decrease your premium
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Named driver option
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Yes |
No |
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