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 | |||
| 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 | ||
