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. For full details of the cover available including the limitations and exclusions that apply, you can refer to the CommInsure Car Insurance Product Disclosure Statement (PDF 559kb) and Supplementary Product Disclosure Statement (PDF 104kb).

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
  The above is a summary of some of the features of the policy 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 (PDF 559KB) and Supplementary Product Disclosure Statement (PDF 104KB).
  
  This advice 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.
  
  CommInsure is a registered business name of Commonwealth Insurance Limited (CIL) ABN 96 067 524 216 AFSL 235030. A Product Disclosure Statement (PDF 559KB) and Supplementary Product Disclosure Statement (PDF 104KB) for CommInsure Car Insurance issued by CIL are available by downloading or by calling 13 24 23 and should be considered before making any decisions about these products.