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Compare our car insurance policies

Here's a quick reference guide summarising the features, benefits and insured events available under our three car insurance policies. For full details please see the CommInsure Car Insurance Product Disclosure Statement.

  Comprehensive Third Party Property Damage, Fire and Theft Third Party Property Damage

What you are insured for – Insured events, features and benefits		      
Loss of or damage to your vehicle caused by:      
Accidental collision or impact √ X X
Fire √ √ X
Theft or attempted theft √ √ X
Storm, hail or flood √ X X
Vandalism or malicious act √ X X
Theft of keys
Up to $1,000		 √ X X
Liability for damage to other people's property caused by your vehicle
Up to $20 million		 √ √ √

Other benefits		      
Replacement of a new vehicle after a total loss √ X X
Liability for damage to other people's property caused by a substitute vehicle √ √ √
Hire car following theft
Up to $75 per day and $1,050 in total
Maximum of 14 days		 √ X X
Towing and storage costs √ √ X
Loss of or damage to a trailer or caravan
Up to the lesser of $1,000 or market value		 √ X X
Emergency repairs
Up to $500		 √ X X
Loss of or damage to personal effects and clothing
Up to $500		 √ X X
Transportation costs
Up to $400		 √ X X
Emergency accommodation costs
Up to $400		 √ X X
Accidental death benefit
Up to $5,000		 √ X X
Loss of or damage to baby capsules and child seats
Up to $400		 √ X X
Uninsured motorist extension
Up to $4,000		 Not Applicable √ √
Temporary cover for replacement vehicle
Maximum of 14 days		 √ √ √

Optional cover (at an extra cost)		      

Hire car following an incident up to $75 per day for up to 14 days		 √ X X
Removal of basic excess for windscreen and window glass claims √ X X
Protected No Claim Discount √ X X

Optional cover (for a reduced premium)		      
Restricted drivers (excluding cover for drivers under 30 years of age) √ X X
Voluntary additional basic excess √ X X

 

The above is a summary of some of the features of the policy and is not to be relied upon as the policy wording. Full details of the cover available including the limitations and exclusions that apply are contained in the CommInsure Car Insurance Product Disclosure Statement (PDS).

  • Important Information
  • This advice has been prepared without taking into account your individual objectives, financial situation or needs. You should, before acting on this information, consider its appropriateness to your circumstances. CommInsure is a registered business name of Commonwealth Insurance Limited (CIL) ABN 96 067 524 216 AFSL 235030. A Product Disclosure Statement (PDS) for CommInsure Car Insurance issued by CIL is available by downloading it from comminsure.com.au or by calling 13 24 23 and should be considered before making any decisions about these products.

 

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