Just Car Comprehensive Car Insurance

Why Do I Need It?

Just Car comprehensive car insurance covers you for damage to your own car, as well as for any damage you may cause to the property of others. Just Car understands how disruptive it is to be without your car after an accident and they are committed to getting you mobile as quickly as possible and with minimum hassle.

When Can I Claim?
  • Accidental damage – Collision or crash
  • Theft or attempted theft, and vandalism
  • Environmental damage – Storm, fire, flood, earthquake
What Can I Claim?
  • Damage to another person’s vehicle and property
    • $20 million
  • Modifications, options and accessories
    • Unlimited cover for legal modifications
  • New for old replacement
    • Just Car insures your car for its agreed value.
    • Or if it is less than one year old, Just Car will replace it with a new car and pay the initial on-road costs.
  • No Claim Bonus protection
    • Protect your maximum discount/rating level for one at fault claim per year. Your No Claim Bonus discount is also not affected by a broken windscreen
  • Repair lifetime guarantee
    • The quality of the workmanship and the materials authorised in the repair of your car will be guaranteed for the life of the car.
  • Third party property insurance over your substitute car
    • If you replace your car with another car, Just Car will insure the replacement car from the time of its purchase
  • Towing
    • Just Car pay the reasonable cost of towing your car to the nearest repairer or place of safety if it is damaged and cannot be safely driven. The amount paid under this benefit will depend on where the accident took place and what transport options are available.
Optional Extras
  • Rating one and maximum no claim bonus protection
    • Your maximum discount level is protected for one at-fault claim during the period of cover.
  • Same discount – spouse or partner
    • When your car is insured with Just Car, they insure your spouse or partner’s car at the same discount.
Why Is Just Car Different?

When you switch your car insurance to Just Car, we’ll give you the rating/no claim bonus you would have earned had you always been comprehensively insured with Just Car.

Why not take the first step and get your Just Car Comprehensive Car Insurance? There is no cost or obligation to receive an online comprehensive car insurance quote, so you have nothing to lose.

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