What's covered?

We have a range of benefits that are included as standard for each cover, as well as optional benefits that can be added to our Comprehensive cover to suit your needs. Legal liability cover, is automatically included with Comprehensive, Third Party Fire & Theft and Third Party Only cover.

Included benefits

These benefits are included as standard for each cover shown below. 

✔ = covered ✘ = not covered

Benefit Comprehensive
Third party
fire & theft
Third party
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

up to $30 million

up to $30 million
Lifetime repair guarantee
Authorised repairs are guaranteed for the life of the vehicle

limited to incidents caused by fire or theft

uninsured motorist benefit only
Choice of repairer
We can refer you to a QBE accredited repairer or you can nominate a repairer of your choice.

limited to incidents caused by fire or theft

uninsured motorist benefit only
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.

uninsured motorist benefit only
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.

up to $5000

up to $5000
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

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Optional benefits

These optional benefits are available on our Comprehensive cover and will result in an additional premium payable.  

✔ = optional

Benefit Available with
Hire car following an accident
If your vehicle is involved in an accident, we will reimburse you the reasonable daily cost of vehicle hire similar to your own:
  • until your vehicle is repaired (up to 14 days) or until your claim is paid (whichever comes first).
Excess-free windscreen and window glass protection
No need to pay the standard excess when your claim is for accidental breakage or damage your vehicle's windscreen or window glass.
4 year new car replacement
Increase the standard replacement vehicle cover from two (2) years to four (4) years.
Lifetime no claim bonus protection
Your no claim bonus will not be reduced or affected if you make any at fault claims.
No claim bonus protection
Your no claim bonus will not be reduced or affected for one (1) at fault claim.
Selectable excess
You can select from a range of excess options. Reduce your premium by selecting a voluntary excess option. The greater the voluntary excess you choose, the lower your premium. You can also choose to remove your standard excess for an additional premium.

To find out more or to obtain a Motor Vehicle Insurance quote, call 1300 764 518

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Important documents

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

Motor Vehicle Insurance is arranged by Teachers Federation Health Ltd ABN 86 097 030 414, trading as Teachers Health Fund. Insurance products are issued and managed by QBE Insurance (Australia) Limited ABN 78 003 191 035 AFS Licence 239545. Teachers Health Fund is an Authorised Representative of QBE, Authorised Representative No. 270604. Terms and Conditions apply. Cover limits are set out in the policy wording. When calculating your annual premium based upon the sum of periodic payments, this total annual premium may differ from our quoted annual premium due to the impact of standard rounding. If you purchase a policy, Teachers Health Fund receive a commission which is a percentage of your premium – ask us for more details. We do not provide any advice on this insurance based on any consideration of your objectives, financial situation or needs. Before making a decision about your insurance needs, please refer to the Product Disclosure Statement (PDS), the Supplementary Product Disclosure Statement and the Target Market Determination (TMD), or call 1300 764 518.