What is Comprehensive Car Insurance?

If your car is accidentally damaged, stolen, or burnt anywhere in Australia, the car insurance company will at their option:

• repair your car
• pay the cost of repairing your car, or
• pay you the Agreed value or Market Value of your car.

Emergency Repairs. If your car is accidently damaged or stolen more than a certain distance from your home, and the car insurance company agrees to pay the comprehensive insurance claim, they will pay an amount of money for emergency repairs required to enable you to drive your car home or to the nearest place of repair.

Emergency Expences. If your car is accidently damaged, stolen or burnt more than a certain distance from your home, and the car insurance company agrees to pay the comprehensive insurance claim, they will reimburse an amount of money for emergency accomodation, travelling expenses, or rental car expenses paid by you and your passengers to return home or to complete your journey.

Faultless No Claim Bonus. If your car is involved in an accident, your no claim bonus rating will not be affected if, in the car insurance companies opinion, you or any person using your car with your permission were not to blame for the accident occurring. You must provide the car insurance company the name of the person and their current address who caused the accident, and the registration numbers of any other vehicles involved in the accident.

New Vehicle replacement. If your car is a total loss and your car is still covered by the original new car warranty, and is less than 24 months old, and has travelled less than 40,000 kilometres, the car insurance company will replace your car with a new replacement car, provided one is locally available. Most car insurance companies will only replace your car if the car has been insured on their policy since first registration of your car as new, or second registration of your car of your car provided that your car was less than 6 months old, and has travelled less than 5,000 kilometres, from the date of first registration. If your car has been superseeded with a new model, and your car is not available the car insurance company will replace your car, with the new model provided that it is locally available. If the car insurance company does replace your car they may also pay for registration, statutory insurance, dealer delivery fees, government stamp duty and the Good and Services Tax.

Personal Items. If the Car Insurance Company does agree to pay your comprehensive Car Insurance claim, after your car is accidently damaged, stolen or burnt, they will also pay an amount if any personal items belonging to you or a member of your family are damaged, stolen or burnt, generally this does not include mobile phones, cash, cheques, and any property used for earning an income.

Trailer. If a trailer is accidently damaged, stolen, or burnt while attached to your car, the car insurance company will pay the lesser of the cost of repairs, or an amount of money, generally in the region of $1,000.

Windscreen or Window Cover. if a windscreen or window is accidentally damaged, the car insurance company at their option will either repair the windscreen or window, or replace the windscreen or window, or pay you the cost of repairing or replacing the windscreen or window. The car insurance company generally will only pay for one windscreen or window in any period of insurance. Generally the maximum amount a car insurance company will pay is around $500. This comprehensive car insurance covered component does not generally require any excess to be paid, and it does not affect your No Claim Bonus.

Hire Car reimbursement following your vehicle being stolen. The car insurance company will reimburse to you the cost of hiring a car similar to your car if your car is stolen. Generally this cost is for 14 days when you have made a claim on your comprehensive car insurance policy, and pay the excess.

Keys and Locks. If the keys to your car have been lost or damaged, or have been illegally copied, the car insurance company will pay an amount of around $1,000 to replace your car keys and/or locks.

Towing and clean up costs. If your car is accidentally damaged, stolen or burnt, the car insurance company will pay for the cost of moving your car, to a repairer near the incident site, or an agreed place, and also pay for the cost of removing debris from the incident site.

There are also a few Optional additional benefits you can select when you have Comprehensive Car Insurance cover on your vehicle, such as No Claim Bonus Rating 1 Protection, Restricted Driver cover and Nominated Driver cover.

Are you paying too Much for Comprehensive Car Insurance?

If you wish to know if you are paying too much for the level of car insurance cover that you currently have with your car insurance company on your comprehensive car insurance, or wish a quote on comprehensive car insurance for the car you are about to buy, simply complete the form below. A car insurance consultant will then contact you with some information and supply you with a quote on your car insurance which in 96% of cases will be cheaper than what you are currently paying.