We depend on our motor vehicles almost every day and in some cases a motor vehicle may be one of your most valued possessions. That's why it is so important to have the appropriate cover to protect your vehicle against theft of damage.

Comprehensive

This policy covers you against loss or damage to you motor vehicle resulting from theft, an accident or certain other events such as hail or fire. When you purchase a Comprehensive Motor Vehicle policy you can select one of the following options:

Market value cover

If your vehicle is a "total loss" we will pay you the market value of the car at the time of the accident or theft, less any policy excess.

Agreed value cover

If your vehicle is a "total loss" we will pay you the amount we agree to insure your vehicle for, less any policy excess.

Your vehicle is considered a "total loss" if it is stolen and not recovered or if it is damaged to the extent that it would cost more to repair than its value (less its salvage value). This policy also covers you for Third Party Property Damage and provides up to $20 million legal liability cover.

Third party property damage

If you are involved in an accident and your vehicle causes damage to someone else's property, this policy provides up to $20 million legal liability cover.

Third party property damage, plus fire and theft

This policy offers cover for third party property damage, plus cover for fire damage or theft of your vehicle up to $5,000, less any policy excess. This is available for cars with a market value of up to $5,000.