Comprehensive motor vehicle insurance

Comprehensive motor vehicle insurance

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Our Comprehensive Motor Vehicle Insurance covers you for accidental damage, collision or crash, severe weather, theft, vandalism or malicious acts. We also cover your legal liability as a result of damage caused to another person's property by your vehicle. 

When you have Comprehensive cover, you can choose which type of sum insured you prefer, either market or agreed value. Plus, choose from an exclusive range of optional benefits to suit your needs. 

Included benefits

These benefits are included as standard for our Comprehensive cover as shown below. 

✔ = covered ✘ = not covered

Benefit Comprehensive
 
Legal liability
Cover for damage to another person's property which was directly caused by:
  • your vehicle or a part of it or your trailer attached to it
  • goods falling from your vehicle or trailer attached to it, where you've taken reasonable measures to secure them
  • the loading or unloading of your vehicle or your trailer attached to it

up to $30 million
Lifetime repair guarantee
Authorised repairs are guaranteed for the life of the vehicle
Choice of repairer
We can refer you to a QBE accredited repairer or you can nominate a repairer of your choice.
Essential temporary repairs
Up to $500 for essential temporary repairs to allow your vehicle to be driven immediately after the accident.
Hire car following a theft
If your vehicle is stolen, we will reimburse you the reasonable daily cost of vehicle hire similar to your own:
  • from an approved hirer
  • until your vehicle is found (up to 14 days)
  • up to a maximum of $1000 or until your claim is paid (whichever comes first)
Travelling expenses
Reimbursement of up to $50 for expenses incurred to return home if your vehicle cannot be driven as a result of an incident.
Towing costs
Reasonable costs of removal to the nearest repairer or place of safety.
Personal items
Cover up to $500 for personal items damaged in your vehicle as a result of an accident.
Replacement of keys and re-coding of locks
Cover up to $1000 for the replacement of your vehicle's keys and any necessary re-coding of your vehicle's locks.
Emergency accommodation and transport costs
Up to $500 for the cost of essential temporary accommodation (room rental only) and transport if you are more than 100kms away from your home.
Replacement vehicle
A replacement vehicle of the same make and model or nearest equivalent in the market at the time of loss if the model is superseded in the event of a total loss, provided:
  • you are the original owner and have insured your vehicle with us from new; and
  • your vehicle is less than two (2) years old and under 20,000kms.
  • your vehicle was originally insured for the purchase price
Trailer cover
Cover up to $1000 for the cost of repairs to a single axle box trailer.
Re-delivery costs
Cover up to $500 of reasonable costs of re-delivery of your vehicle to your home if authorised repairs are over 100kms away.
Fatality cover
Up to $2500 to the deceased's estate if the insured or nominated driver sustains a fatal injury within twelve (12) months of and as a result of an incident covered by this policy.
Uninsured motorist benefit
Costs of repairs to your vehicle if your vehicle is damaged in a collision where the other driver can be identified, is uninsured and 100% at fault.
Finance gap cover
Where your vehicle is under finance and declared a total loss we will pay the difference between the total loss amount and the finance payout, up to a maximum of 25% of the vehicle sum insured.
After accident clean up
We cover your legal liability to pay for the clean up of any debris of your vehicle following an accident, up to $1000 for any one (1) accident.

Get an online quote or call us on 1300 764 518


To compare all of our Motor Vehicle Insurance covers, click here.


Important documents

For more information, please refer to the Motor Vehicle Insurance Product Disclosure Statement (PDS) and policy booklet and Target Market Determination (TMD).