Comprehensive Insurance

Get A Quote

This is a summary only. For the standard terms, conditions, limits and exclusions of cover, please refer to the Product Disclosure Statement.

Comprehensive Insurance Table - Key Benefits

Key Benefits Comprehensive Insurance
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: 1) you purchased your vehicle new (or as a demonstrator model) from the manufacturer or their dealer; 2) your vehicle is less than 2 years old from its first registration at the time it is declared a total loss; 3) where relevant, your financier has given its written consent; and 4) 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 after theft of your vehicle - $100 per day limit, up to 30 days
Temporary cover on replacement vehicle – 14 days
Reasonable cost of towing after a covered incident

More Benefits

More Benefits Comprehensive Insurance
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 additional 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

Optional Cover Comprehensive Insurance
Rental car following accident, where available - $100 per day limit, up to 30 days
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

Options you can select to decrease your premium Comprehensive Insurance
Named driver option







Ansvar Insurance Limited ABN 21 007 216 506 AFSL 237826 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 available from If you purchase this insurance, we will receive a commission that is a percentage of the premium. Ansvar may participate in sales incentive schemes including profit share arrangements with Allianz. Allianz may provide other benefits to Ansvar and its employees, such as promotional items, marketing fees for its products and business related conferences, which are provided to us at no additional cost to you. 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 they may be applied on new policies is up to 10%.