Motor insurance comparison

Motor insurance policy features comparison: Comprehensive vs Third Party Property Damage

Motor Insurance product comparison

This is a summary only. For information on what is covered and not covered and the standard terms, conditions, limits and exclusions of cover, please read the Product Disclosure Statement.

Key benefits Comprehensive cover Third Party Property Damage Cover
Accidental loss of or damage to your vehicle Yes No
New for old replacement after a total loss will be for a vehicle of the same make, model, engine size, features and paint type if:  
you bought your vehicle new, or as a demonstrator model, from the manufacturer or their dealer 
your vehicle is less than two years old from its first registration at the time it’s declared a total loss
where relevant, your financier has given its written consent
a new replacement vehicle is available in Australia
 
Yes No
Legal liability cover is for loss or damage you cause to other people's cars or property and for supplementary bodily injury arising out of a single accident or a series of related events.

Yes
Up to $20 million

Yes
Up to $20 million

Approved legal costs arising from a claim for liability covered by the policy

Yes  Yes
Emergency repair costs after an accident
Yes
Up to $500 for any one covered accident
No
Rental car after theft of your vehicle
Yes
$100 per day limit, up to 30 days4
No
Towing after a covered incident
Yes No
Temporary cover on replacement vehicle 
Yes
Up to 14 days
No
Trailer and caravan cover
Yes
$1,000 or market value, whichever is less
No
Legal liability cover for a substitute vehicle
Yes
Yes
Cover for personal items in your vehicle
Yes
Up to $1000 for any one incident
No
Emergency accommodation and travel expenses after a covered accident, provided that your vehicle was more than 100 km from where it’s normally parked at night. Yes
Up to $1000 for any one incident
No
Transportation costs if your vehicle can’t be safely driven home after a covered accident. Yes
Up to $500 for any one incident
No
Lock re-keying/re-coding if the keys to your vehicle are stolen  Yes
Up to $1000 for any one incident
No
Child seat or baby capsule replacement after an accident Yes
Up to $500 for any one covered accident
No
Rental car after an accident, where available4 Yes
Optional cover
(extra cost)
$100 per day limit, up to 30 days
No
Basic excess removal for windscreen claims
If the broken windscreen is the only damage to your vehicle, you can get one replacement and two repairs in any period of insurance.
Yes
Optional cover
(extra cost)
No
Cover for tools of trade   Yes
Optional cover
(extra cost)
Up to $3000 for any one incident
No 
Named driver option Yes
Optional excess
No

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