Motor insurance comparison

Motor insurance policy features comparison: Comprehensive vs Third party Fire and Theft vs Third Party property damage

Comprehensive Insurance / Third Party Property Damage – Comparison Table:

Key Features Comprehensive Insurance Third Party Property Damage
Cover for accidental loss of or damage to your vehicle caused by fire or theft Yes No
Cover for accidental loss of or damage to your vehicle (caused by events other than fire or theft)
Yes No
New for old replacement of a new vehicle after a total loss, if: 
  • you purchased your vehicle new (or as a demonstrator model) from the manufacturer or their dealer;  
  • your vehicle is less than 2 years old from its first registration at the time it is declared a total loss;
  • where relevant, your financier has given its written consent; and
  • a new replacement vehicle is available in Australia.
Yes No
Cover for your legal liability to pay compensation for loss or damage to other people's property and legal liability for supplementary bodily injury– up to $20 million for any one event or series of related events
Yes Yes
Legal costs
Yes Yes
Accidental death benefit - $25,000 per period of insurance
Yes No
Emergency repairs – up to $500 in respect of any one incident
Yes No
Rental car after theft ($100 per day limit, up to 30 days)
Yes No
Reasonable cost of towing
Yes 
(after a covered accident)
No
Temporary cover on replacement vehicle – 14 days
Yes
No
Trailer and caravan cover - $1,000 or market value whichever is the lesser
Yes No
Legal liability cover when using a substitute vehicle Yes Yes
Personal items – up to $1,000 for any one incident Yes No
Emergency accommodation and travelling expenses – up to $1,000 for of any one incident Yes No
Transportation costs – up to $500 for any one incident Yes No
Lock re-keying / re-coding – up to $1,000 for any one incident Yes No
Child seat / baby capsule cover – up to $500 for of any one incident Yes No

Optional benefits you can add

Rental car following accident - $100 per day limit, up to 30 days Yes No
Removal of basic excess for windscreen claims - 1 replacement and 2 repairs in any period of  insurance Yes No

Optional excesses which you can select to decrease your premium

Named driver option Yes No

This information about insurance cover is a summary only. Terms, conditions, limits, exclusions and underwriting criteria apply. You should consider whether this insurance product is suitable for your circumstances and consider the relevant Product Disclosure Statement and Policy Document.