If you don't make any claims for a year, you will receive a no claims bonus.

If you have an accident while insured with us and it is proved the other party involved is more than 50% at fault you will not lose your no claims bonus discount at renewal.

If you suffer loss or damage to your vehicle as the result of a single event which also damages house or contents insured with us you will only need to pay one excess on any claims resulting from this event.

This optional benefit protects you from sudden, accidental physical loss or damage from fire or theft.

This gives you access to the RoadWise® programme which is a roadside assistance programme to help you out in the event your vehicle breaks down and you need some extra help getting back on the road.

This programme does not form part of this policy and its terms and conditions are contained in the separate document – Click here to see our RoadWise® programme.

If your car suffers accidental breakage of its windscreen, window glass or sunroof we will repair or replace the damage and you won't need to pay excess or lose your no claims bonus.

This benefit does not extend to lights, indicators, their covers or mirrors.

We will pay up to $500 towards the reasonable costs of accommodation or travel to complete your journey or return home following an accident with your vehicle or where your vehicle is stolen when a claim has been accepted.

We may also pay to return your car home after it has been repaired or recovered.

This benefit also extends to the driver, passengers and domestic pets travelling in your vehicle if they are not the insured.

If you have not had any claims with us or with your previous insurer for the last year you will receive a no claims bonus.

In addition, we will not penalise your no claims bonus at renewal of your policy or impose your excess if you have been involved in an accident during the period of insurance with us, and:

1. you have identified the party at fault (i.e. name, address, phone number, make, model, registered number of the other party's vehicle), and
2. it is proven that the other party was more than 50% at fault.

Otherwise your no claims bonus will be reduced at the renewal following the claim.

However, we will increase your no claims bonus again at the next renewal if no further claims are made.

1. have held comprehensive car vehicle insurance with a full no claims bonus with us for a continuous period of two years or more immediately prior to your claim, and 
    
2. have not already had your excess waived within that continuous period. 

If you replace your car, that car will be automatically covered under the same terms of your current policy for 10 days from the date you get your new car.

If your car is unable to be driven and we have accepted your claim, we will pay for the reasonable cost of removing it to the nearest repairer or place of safety. 

We will also pay for the reasonable costs for the temporary storage of your car once we have accepted your claim.

The benefit extends your policy to cover listed accessories and modifications to your car up to the value specified in the certificate of insurance.

This gives you access to the RoadWise programme which is a roadside assistance programme to help you out in the event your vehicle breaks down and you need some extra help getting back on the road.

This programme does not form part of this policy and its terms and conditions are contained in the separate document –  Click here to see our RoadWise® programme.

If your car suffers accidental breakage of its windscreen, window glass or sunroof we will repair or replace the damage and you won't need to pay excess or lose your no claims bonus.

This benefit does not extend to lights, indicators, their covers or mirrors.

If your vehicle is stolen or becomes a total loss and we accept your claim, this policy extends to cover the reasonable expense of hiring and insuring a similar car up to 14 days or $750, whichever is less.