Compare our car insurance policies

Below is a quick reference guide summarising the features, benefits and insured events available under our three car insurance policies and is not to be relied upon as the policy wording. Full details of the cover available including the limitations and exclusions that apply are contained in the CommInsure Car Insurance Product Disclosure Statement.

What you are insured for – Insured events, Features & Benefits	Comprehensive	Third Party Property Damage, Fire & Theft	Third Party Property Damage
Loss of or damage to your vehicle caused by
Accidental collision or impact	√	X	X
Fire	√	√	X
Theft or attempted theft	√	√	X
Storm, hail or flood	√	X	X
Vandalism or malicious act	√	X	X
Theft of keys Up to $1,000	√	X	X
Liability for damage to other people's property caused by your vehicle Up to $20 million	√	√	√
Other benefits
Replacement of a new vehicle after a total loss	√	X	X
Liability for damage to other people's property caused by a substitute vehicle	√	√	√
Hire car following theft Up to $75 per day and $1,050 in total Maximum of 14 days	√	X	X
Towing and storage costs	√	√	X
Loss of or damage to a trailer or caravan Up to the lesser of $1,000 or market value	√	X	X
Emergency repairs Up to $500	√	X	X
Loss of or damage to personal effects and clothing Up to $500	√	X	X
Transportation costs Up to $400	√	X	X
Emergency accommodation costs Up to $400	√	X	X
Accidental death benefit Up to $5,000	√	X	X
Loss of or damage to baby capsules and child seats Up to $400	√	X	X
Uninsured motorist extension Up to $4,000	Not Applicable	√	√
Temporary cover for replacement vehicle Maximum of 14 days	√	√	√
Optional cover (at an extra cost)
Hire car following an incident up to $75 per day for up to 14 days	√	X	X
Removal of basic excess for windscreen and window glass claims	√	X	X
Protected No Claim Discount	√	X	X
Optional cover (for a reduced premium)
Restricted drivers (excluding cover for drivers under 30 years of age)	√	X	X
Voluntary additional basic excess	√	X	X

• Important information

  This information has been prepared without taking into account your individual objectives, financial situation or needs. You should, before acting on this information, consider its appropriateness to your circumstances. You can download a CommInsure Car Insurance Product Disclosure Statement by clicking on the link or call 13 24 23 for a paper copy.
  
  Car Insurance is provided by CommInsure, a registered business name of Commonwealth Insurance Limited ABN 96 067 524 216 AFSL 235030 (CIL). CIL is a wholly owned subsidiary of Commonwealth Bank of Australia ABN 48 123 123 124 (The Bank). The Bank does not guarantee the obligations or performance of CIL or the products it offers.