Comprehensive Car Insurance Comparison Table
NRMA | NRMA Comprehensive + | AMMI | CGU | QBE | Budget Direct | Just Car | Allianz | |
---|---|---|---|---|---|---|---|---|
Collision 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 |
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Damage by uninsured drivers | $5,000 |
$5,000 |
Conditional |
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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 |
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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 |
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Repair lifetime guarantee | ||||||||
Storage costs | ||||||||
Taxi service | ||||||||
Third party property insurance over your substitute car | 14 days |
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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 |
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UberX driver? | Optional ($2/day) | Optional ($2/day) | Optional | |||||
Vehicle pick up and return | $500 |
$500 |
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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 |