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This side-by-side comparison chart illustrates the Insured Events covered by our three types of car insurance cover, as well as the Additional Benefits provided and the Optional Covers available.

What you are insured for
– Insured Events and Benefits


Loss of or damage to your vehicle caused by:

Collision or impact

Yes

No

No

Fire

Yes

Yes

No

Theft or attempted theft

Yes

Yes

No

Storm, hail or flood

Yes

No

No

Vandalism or malicious act

Yes

No

No

Theft of keys (up to $1,000)

Yes

No

No

Liability for damage to other people's property caused by your vehicle (up to $20 million)


Yes

Yes

Yes

Additional cover

Replacement of a new vehicle after a total loss

Yes

No

No

Liability for damage to other people's property caused by a substitute vehicle

Yes

Yes

Yes

Hire car following theft (up to $75 per day and $1,050 in total, maximum of 14 days)

Yes

No

No

Towing and storage costs

Yes

Yes

No

Loss of or damage to a trailer or caravan (up to the lesser of $1,000 or market value)

Yes

No

No

Emergency repairs (up to $500)

Yes

No

No

Loss of or damage to personal effects and clothing (up to $500)

Yes

No

No

Transportation costs (up to $400)

Yes

No

No

Emergency accommodation costs (up to $400)

Yes

No

No

Accidental death benefit (up to $5,000)

Yes

No

No

Loss of or damage to baby capsules and child seats (up to $400)

Yes

No

No

Uninsured motorist extension (up to $4,000)

Not applicable

Yes

Yes

Temporary cover for replacement vehicle (maximum of 14 days)

Yes

Yes

Yes

Policy Options (at an additional premium)

Hire car following an incident (up to $75 per day for up to 14 days)

Yes

No

No

Removal of basic excess for windscreen and window glass claims

Yes

No

No

Protected No Claim Discount

Yes

No

No

Policy Options (for a reduced premium)

Restricted drivers (excluding cover for drivers under 30 years of age)

Yes

No

No

Voluntary additional basic excess


Yes

No

No

The Insured Events, Additional Benefits and Optional Covers are subject to the terms and conditions of the policy including various exclusions. Full details about the policy coverage are available in the Car Insurance Product Disclosure Statement.

FAQs

Wherever possible, you should have your CommInsure home or car insurance policy number with you, as this will help us identify your policy quickly.

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All our car insurance policies include legal liability to pay compensation for loss or damage to someone else's property caused in a motor vehicle accident which is partly or fully the insured’s fault.

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The restriction will apply regardless of the circumstances surrounding the need for a person under 30 to drive the vehicle.

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Yes. You can log into NetBank to find information relating to your Car and Home Insurance policies like your payment due date, and policy owners in NetBank.

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Related products

Comprehensive Car Insurance

Comprehensive cover for Collision or Impact damage, Theft, Malicious Damage, Fire, Storm, Hail and Flood. A range of Additional Benefits are also included at no additional cost. You can also choose between a range of policy options to vary your premium.

Learn more

Third Party Property Damage, Fire and Theft Insurance

Cover for your vehicle if it’s damaged by fire or theft. Also includes liability cover for other people’s property, up to the value of $20 million.

Learn more

Third Party Property Damage Insurance

Liability cover for damage your vehicle causes to other people’s property, up to the value of $20 million.

Learn more

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Important information

As this information has been prepared without considering your personal objectives, financial situation or needs, you should, before acting on it, consider its appropriateness to your circumstances. This information is provided by CIL and where we refer to ‘we’ and ‘our’, we mean CIL.

You can download a Car Insurance Product Disclosure Statement (PDS) and Financial Services Guide (FSG) by clicking on the links, or calling 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 non-guaranteed 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.

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