• You can choose between Comprehensive or Legal Liability cover, with benefits such as:
• Up to $30 million cover for liability and legal costs for damage to other people’s property
• Choice of repairer
• 24 hours claims service
• Monthly premium payments to assist with your cashflow. It costs more for pay by the month.

Comprehensive cover should include:

• Accidental loss or damage to your motor vehicle
• Lease payout on vehicles where the amount owing under a lease is higher than the vehicle total loss amount (additional amount capped based on vehicle type)
• Your legal liability for damage caused to another person’s property and personal injury caused by the insured vehicle, as well as legal costs to a maximum of $30 million (provided Compulsory Third Party does not apply)
• Australia-wide claims service
• Personal accident from an event.
• Emergency repairs, travel and accommodation
• Towing and storage costs
• Removal of debris for non-dangerous goods
• Cover for locks and keys
• One annual payment or pay by the month
• No excess if you are not at fault and you can identify the person at fault
• Personal effects stolen/damaged in an event involving your vehicle (up to $1,000 per event).

Legal Liability cover should include:

• Your legal liability for damage caused to another person’s property and personal injury caused by the insured vehicle, as well as legal costs, to a maximum of $30 million (provided Compulsory Third-Party Insurance does not apply)
• Your legal liability for property damage or personal injury as a result of the insured vehicle carrying dangerous goods, to a maximum of $1,000,000 (we may allow this limit to be increased to a maximum of $5,000,000, subject to payment of an extra premium)
• Up to $5,000 for damage to the insured vehicle caused by an uninsured driver, if you don’t have Comprehensive cover and you can identify the driver responsible and their vehicle.