Car Insurance

This is a summary only. For information on what is covered and not covered and the standard terms, conditions, limits and exclusions of cover, please read the Product Disclosure Statement.

	Comprehensive Insurance GET A QUOTE
Key benefits
Cover for accidental loss of or damage to your vehicle
New for old replacement of a new vehicle of the same make, model, engine size, features and paint type after a total loss. If: • you purchased your vehicle new (or as a demonstrator model) from the manufacturer or their dealer; • your vehicle is less than 2 years old from its first registration at the time it is declared a total loss; • where relevant, your financier has given its written consent; and • a new replacement vehicle is available in Australia.
Cover for your legal liability for loss or damage to other people's property and legal liability for supplementary bodily injury - up to $20 million for any one event or series of related events
Approved legal costs arising from a claim for liability covered by the policy
Cost of emergency repairs after a covered accident – up to $500 for any one incident
Rental car following accident, where available - $100 per day limit, up to 30 days6
Temporary cover on replacement vehicle – 14 days
More benefits
Trailer and caravan cover -$1,000 or market value of the trailer or caravan, whichever is the lesser
Cover for personal items in your vehicle - Up to $1,000 for any one incident
Cover for reasonable emergency accommodation and travelling expenses after a covered accident, provided that your vehicle was more than 100km from where it is normally parked at night – up to $1,000 for any one incident
Cover for transportation costs if your vehicle cannot be safely driven home after a covered accident - Up to $500 for any one incident
Legal liability cover when using a substitute vehicle
Lock re-keying / re-coding if the keys to your vehicle are stolen - Up to $1,000 for any one incident
Cover for replacement of child seat / baby capsule in your vehicle after a covered accident – up to $500 for any one incident
Optional benefits you can add
Rental car following accident, where Rental car following accident, where available - $100 per day limit, up to 30 days6
Removal of basic excess for windscreen claims if the broken windscreen is the only damage to your vehicle - 1 replacement and 2 repairs in any period of insurance
Cover for tools of trade - Up to $3,000 for any one incident
Options you can select to decrease your premium
Named driver option

Third Party Property Damage Insurance table

This is a summary only. For information on what is covered and not covered and the standard terms, conditions, limits and exclusions of cover, please read the Product Disclosure Statement.

	Third Party Property Damage GET A QUOTE
Cover for your legal liability for loss or damage to other people’s property and legal liability for supplementary bodily injury – up to $20 million for any one event or series of related events
Legal liability cover when using a substitute vehicle
Approved legal costs arising from a claim for liability covered by the policy

Insurance and Membership Services Limited, ABN 59 057 159 743 AR Number 246235 trading as COTA Insurance arranges this insurance as agent for the insurer Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL No 234708. We do not provide any advice based on any consideration of your objectives, financial situation or needs. Terms, conditions, limits and exclusions apply. Before making a decision, please consider the Product Disclosure Statement and key fact sheets available from cota.com.au or by calling 1300 1300 50. The relevant Target Market Determination is available by calling 1300 1300 50. If you purchase this insurance, we will receive a commission that is a percentage of the premium. Ask us for more details before we provide you with services. 1 Minimum premiums may apply. Any discounts / entitlements may be subject to rounding and only apply to the extent any minimum premium is not reached. If you are eligible for more than one, we also apply each of them in a predetermined order to the premium (excluding taxes and government charges) as reduced by any prior applied discounts / entitlements. Discounts may not be applied to the premium for optional covers. 2 The online discount applies to new Comprehensive Motor Insurance policies only. Any online discounts offered are applied to our standard rates (excluding optional covers) and are for the first year’s premium only (unless otherwise stated). Promotional or other discounts may apply from time to time for customers who apply for insurance via other methods. 3 Safe Driver Discount applies to Comprehensive Motor Insurance policies only. Any discount entitlement is determined by the insurance history and driving history of all drivers on the policy and the number of claims made by them. If eligible, the maximum Safe Driver Discount that may be applied on new policies is up to 10%. For more information see our PED guide . 4 Offer valid for new COTA Comprehensive Car insurance policies. Roadside assistance membership is provided by AWP Australia Pty Ltd ABN 52 097 227 177, trading as Allianz Global Assistance. *Service area limits apply, as well as exclusions, other limitations and terms and conditions. For details, see the roadside assistance terms and conditions here Allianz Global Assistance Roadside Assistance Plans . 5. In certain circumstances we may agree with you to use another repairer than the one that you selected. We will act reasonably in doing so. 6 We will extend your rental car or daily travel allowance period to the extent that we caused or contributed to the delay in repairing your vehicle. 7 Premiums payable by instalment may be subject to minor adjustments (upwards or downwards) due to rounding and financial institution transaction fees may apply.