A typical policy could include comprehensive as well as liability cover.

Comprehensive cover generally includes:

• Accidental loss or damage to your motor vehicle
• Guarantee for authorised repairs against any defect due to workmanship or faulty material for the life of the insured vehicle
• 2 year new for old replacement if you are the first registered owner for certain vehicle types
• Hire car after theft
• 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
• EPersonal effects stolen/damaged in an event involving your vehicle, up to $1,000 per event

Legal Liability cover generally includes:

• 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)
• Fleet Motor Insurance and Legal Liability.