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Car policy benefits

Here's a rundown of the benefits that are included or can be purchased to personalise your policy.

 

Third Party Cars

This is a summary only. See if this policy is right for you by viewing our policy wording which includes our benefits, terms and conditions.

 Standard Benefits 

No claims and no blame bonus

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.

One event - one excess

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.

Replacement vehicle 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.


The following optional benefits only apply if you have selected and paid for them and they are recorded on your certificate of insurance as having been selected.

 

Optional Benefits
Loss as a result of fire and theft

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

RoadWise® 

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.

Windscreen and window glass 

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.

 

Comprehensive Car

This is a summary only. See if this policy is right for you by viewing our policy wording which includes our benefits, terms and conditions. 

  Standard Benefits
Completion of journey

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.

Natural disaster damage The cover provided under this section is extended to include loss or damage during the period of insurance to your vehicle caused by natural disaster damage.
No claims and no blame bonus

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.

 
No claims bonus protection Should you have a claim we will maintain your no claims bonus following that claim, provided you:
 
  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. 
One event - one excess 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.
Repair guarantee This gives you a lifetime guarantee on any repairs to your vehicle carried out by our recommended panel beaters when a claim has been accepted. 
Replacement vehicle

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.

Salvage and storage costs

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.

Stolen from garage If your car is stolen from a locked garage or secure car parking building we will waive the excess and you will not lose your no claims bonus. 

 

The following optional benefits only apply if you have selected and paid for them and they are recorded on your certificate of insurance as having been selected.

  

 Optional Benefits 
Accessories and modifications

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

RoadWise®

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.

Windscreen and window glass

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.

Rental vehicle for total loss

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.

Still unsure? Fire up a live chat or contact us, we are here to help.

 

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