Coverage options designed around how you drive

Comprehensive Cover

$847.50 per year

The most extensive protection level, covering damage to your vehicle from collisions, weather events, theft, vandalism, and fire. Also includes liability coverage for damage you cause to others.

What's included

• Collision damage regardless of fault determination
• Theft and attempted theft protection
• Fire, storm, and flood damage coverage
• Windscreen replacement with zero excess
• Emergency accommodation up to $150 per night for three nights
• Rental vehicle provision during repairs (up to 14 days)
• Roadside assistance across all Australian states
• Third party liability up to $20 million

Typical excess amounts

Standard excess: $650 | Age-based additional excess (under 25): $400 | Inexperienced driver additional excess: $350

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Third Party Property

$324.75 per year

Covers your legal liability for damage you cause to other people's vehicles and property. Does not cover damage to your own vehicle, but provides essential protection at an accessible price point.

What's included

• Damage to other vehicles up to $20 million
• Damage to property including fences, buildings, and infrastructure
• Legal liability protection
• Legal defense costs if you're taken to court

What's not covered

Damage to your own vehicle, theft of your vehicle, windscreen damage to your vehicle, or rental vehicle provision.

Best suited for

Drivers with older vehicles where replacement cost is low, or those who want to meet minimum legal requirements while maintaining liability protection.

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Fire & Theft Protection

$562.25 per year

Combines third party property coverage with protection against fire and theft of your vehicle. A middle-ground option that addresses the most common total-loss scenarios.

What's included

• Complete theft protection including contents
• Attempted theft damage coverage
• Fire damage to your vehicle
• Third party property damage up to $20 million
• Legal defense costs
• Key and lock replacement following theft

Typical excess amounts

Standard excess: $550 | Theft claims may have additional excess of $200

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Premium Roadside Plus

$189.50 per year

Extended roadside assistance that goes beyond basic breakdown service. Includes priority response, accommodation coverage, and solutions for situations where your vehicle can't be immediately repaired.

What's included

• 24/7 roadside assistance across Australia
• Priority response times (target: under 45 minutes in metro areas)
• Flat tire changes and spare wheel fitting
• Jump-starts for flat batteries
• Emergency fuel delivery (you pay for fuel only)
• Locksmith service if keys are locked in vehicle
• Towing to nearest repair facility (up to 100km)
• Accommodation coverage if stranded over 100km from home ($150/night, max 2 nights)
• Rental vehicle provision if repairs take longer than 24 hours

Coverage area

All sealed and unsealed roads in Australia. Remote area service may have longer response times but is included without additional charges.

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Agreed Value Coverage

$1,023.80 per year

Your vehicle's value is established at policy inception and guaranteed for the coverage period. Eliminates disputes over depreciation or market value assessments if your vehicle is declared a total loss.

What's included

• All benefits of Comprehensive Cover
• Pre-agreed payout amount locked in at policy start
• No market value depreciation arguments during claims
• Value includes aftermarket modifications (if declared)
• New vehicle replacement if written off within first year

How agreed value is determined

Based on current market value, condition assessment, and any modifications or improvements. Requires vehicle inspection for vehicles over $50,000 or with significant modifications. Value is reassessed annually at renewal.

Best suited for

Vehicles with modifications, classic or collectible vehicles, or those who want certainty about payout amounts in case of total loss.

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Young Driver Program

$1,156.40 per year

Specialized comprehensive coverage designed for drivers under 25, with premium reduction incentives for safe driving records and completion of advanced driver training courses.

What's included

• Full comprehensive coverage benefits
• Graduated premium reductions: 10% after first claim-free year, additional 5% each subsequent year
• Immediate 15% discount for completion of accredited advanced driver course
• Peer passenger support: covers incidents even with multiple young passengers
• Parental vehicle coverage when you're the primary driver
• Accident forgiveness after two claim-free years

Excess structure

Base excess: $850 | Reduces to $650 after first claim-free year | Further reduces to $500 after second claim-free year

Special considerations

Higher initial premium reflects statistical risk for this age group, but the reduction pathway provides significant savings over time for responsible drivers. Completion of defensive driving courses can reduce annual costs by approximately $170.

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