A Choice Of Comprehensive Insurance Providers Where We Not Only Give You The Premium Comparisons But The Differences Between The Policies So If You Have An Accident You Know You Are Covered

Comprehensive Car Insurance

WHY DO I NEED IT?

Accidents happen. Some are minor bumps, and others can result in fatalities. They all have three things in common- they are stressful, expensive and time consuming.

That’s where insurance comes in. It alleviates and sometimes completely eliminates these common hassles.

If you do have an accident, simply outsource all your stress to us. We’ll make all the necessary arrangements and handle all the costs, freeing you up to get on with your day with minimal disruption.

WHAT ARE MY OPTIONS?

NO INSURANCE: If you are not insured and you have an accident you are covered for any injuries that arise out of the accident if it involved a registered vehicle, train or tram. But you have to pay for any damage to your car and property, and the other person’s car or property.

THIRD PARTY PROPERTY INSURANCE: If you have an accident and you have third party property insurance (basic) you are covered for damage that you cause to another person’s vehicle and property. But you must pay for the damage to your own vehicle and property. Sometimes this includes legal costs.

COMPREHENSIVE INSURANCE: If you have an accident and you have comprehensive insurance, smile. You are covered for damage caused to your vehicle and property, and the other person’s vehicle and property, regardless of whether the accident is your fault. Some insurance policies also cover you for hire cars while your vehicle is being fixed.

You have nothing to lose except for the additional stress, time and money if you have an accident. So what are you waiting for? This is a no brainer. Compare our quotes and call us now.

After rigorous analysis of the comprehensive insurance policies available in Australia, we’ve selected seven of the best-value insurance companies to represent.

A simple-to-compare, independent, top-level summary of these policies is contained in the table below.
Or simply click on each insurance company’s name in the top row, for more details about that policy.

Get a Quote

Happy customer

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Comprehensive Car Insurance Comparison Table

NRMA NRMA Comprehensive + AMMI CGU QBE Budget Direct Just Car Allianz
Colision or Crash
24/7 Roadside Assist Optional ($7/mth) Optional  $89/year
Baby Capsules and child seats (up to this amount)
$500

$500

Replacement cost

$500

$500
Damage by uninsured drivers
$5,000

$5,000

Conditional
Damage to other people’s vehicles or property (value) $20 million $20 million $20 million $30 million As awarded $20 million $20 million $20 million
Emergency repairs to get you home or to a repairer $800 $800 $500 $500 $500 $500
Emergency travel and accommodation if you are more than 100km from home and your car is not safe to drive $500 $500 $1,050 $850 $750
Fatality Cover (up to this amount)
$5,000

$2,500

$5,000

$25,000
Hire car until claim is settled unless otherwise stated Optional – $95/day $95/day Optional (similar value to your car) Optional (14 days) Optional Optional
Keylocks & barrels – replace and recode
$1,000

$1,000

$1,000

$1,000

$1,000

$1,000

$1,000
Legal costs for a coronial inquiry (up to this amount)
$5,000
All legal costs
Modifications, options and accessories
Unlimited

Unlimited
New for old replacement (up to age of car)
2 years old

2 years old

2 years old

3 years old

4 years old, 100,000km

2 years old, 40,000km

2 years old
No claim bonus protection Optional
Optional
Optional
Conditional

1 claim/yr

1 claim/yr
No excess windscreen cover Optional Optional Optional Optional Optional Optional
Over 50s discount
Personal items
$500

$500

$500

$500

$500

$500

$750
Remove accident debris from the road (up to the value of this cost)
$500
Repair lifetime guarantee
Storage costs
Taxi service
Third party property insurance over your substitute car
14 days
Tools of trade (business use vehicles) $1,500 $1,500 Optional
Towing
Trailer. Towing a trailer or caravan? (Covered up to the value of this cost)
$1,000

$1,000

$1,000

$1,000

$1,000

$1,000
UberX driver? Optional ($2/day) Optional ($2/day) Optional
Vehicle pick up and return
$500

$500
We pick the repairer
Weather Storm, fire, flood, earthquake, explosion, tsunami Storm, fire, flood, earthquake, explosion, tsunami Hail, storm, flood, fire Fire, flood, storm
Windscreen, sunroof and window glass damage
Theft
Hire car $65/day up to 21 days $65/day up to 21 days
14 days

14 days

14 days

21 days