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What you are insured for – Insured Events   Add other insurance
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Loss or damage caused by:

Loss or damage caused by:

Loss or damage caused by:

Loss or damage caused by:

Collision or impact damage

Collision or impact damage

Yes

Collision or impact damage

No

Collision or impact damage

No

Damage from an uninsured driver

Damage from an uninsured driver

Yes*

Damage from an uninsured driver

Yes

Damage from an uninsured driver

Yes

Fire damage

Fire damage

Yes

Fire damage

Yes

Fire damage

No

Liability for damage to other people's property caused by your vehicle (known as Legal Liability)

  • Up to $20 million

Liability for damage to other people's property caused by your vehicle (known as Legal Liability)

  • Up to $20 million

Yes

Liability for damage to other people's property caused by your vehicle (known as Legal Liability)

  • Up to $20 million

Yes

Liability for damage to other people's property caused by your vehicle (known as Legal Liability)

  • Up to $20 million

Yes

Storm, hail or flood damage

Storm, hail or flood damage

Yes

Storm, hail or flood damage

No

Storm, hail or flood damage

No

Theft of keys

  • up to $2,000

Theft of keys

  • up to $2,000

Yes

Theft of keys

  • up to $2,000

No

Theft of keys

  • up to $2,000

No

Theft or attempted theft

Theft or attempted theft

Yes

Theft or attempted theft

Yes

Theft or attempted theft

No

Vandalism or malicious act

Vandalism or malicious act

Yes

Vandalism or malicious act

No

Vandalism or malicious act

No

Cover Benefits

Cover Benefits

Cover Benefits

Cover Benefits

Accidental death

  • up to $10,000

Accidental death

  • up to $10,000

Yes

Accidental death

  • up to $10,000

No

Accidental death

  • up to $10,000

No

Loss of or damage to baby capsules and child seats

  • Up to $500

Loss of or damage to baby capsules and child seats

  • Up to $500

Yes

Loss of or damage to baby capsules and child seats

  • Up to $500

No

Loss of or damage to baby capsules and child seats

  • Up to $500

No

Domestic pets

  • Up to $1,000

Domestic pets

  • Up to $1,000

Yes

Domestic pets

  • Up to $1,000

No

Domestic pets

  • Up to $1,000

No

Emergency accommodation costs

  • Up to $600

Emergency accommodation costs

  • Up to $600

Yes

Emergency accommodation costs

  • Up to $600

No

Emergency accommodation costs

  • Up to $600

No

Emergency repairs

  • Up to $800

Emergency repairs

  • Up to $800

Yes

Emergency repairs

  • Up to $800

No

Emergency repairs

  • Up to $800

No

Hire car following theft

  • Up to $75 per day and $1,050 in total
  • Maximum of 14 days)

Hire car following theft

  • Up to $75 per day and $1,050 in total
  • Maximum of 14 days)

Yes

Hire car following theft

  • Up to $75 per day and $1,050 in total
  • Maximum of 14 days)

No

Hire car following theft

  • Up to $75 per day and $1,050 in total
  • Maximum of 14 days)

No

Loss of or damage to personal items. Up to

  • $1,000 for mobility devices/disability aids; and
  • $500 for other personal items such as clothing

Loss of or damage to personal items. Up to

  • $1,000 for mobility devices/disability aids; and
  • $500 for other personal items such as clothing

Yes

Loss of or damage to personal items. Up to

  • $1,000 for mobility devices/disability aids; and
  • $500 for other personal items such as clothing

No

Loss of or damage to personal items. Up to

  • $1,000 for mobility devices/disability aids; and
  • $500 for other personal items such as clothing

No

Replacement of a new vehicle after a total loss

Replacement of a new vehicle after a total loss

Yes

Replacement of a new vehicle after a total loss

No

Replacement of a new vehicle after a total loss

No

Substitute vehicle

  • Legal liability up to $20 million

Substitute vehicle

  • Legal liability up to $20 million

Yes

Substitute vehicle

  • Legal liability up to $20 million

Yes

Substitute vehicle

  • Legal liability up to $20 million

Yes

Temporary cover for replacement vehicle

  • Up to 14 days

Temporary cover for replacement vehicle

  • Up to 14 days

Yes

Temporary cover for replacement vehicle

  • Up to 14 days

Yes

Temporary cover for replacement vehicle

  • Up to 14 days

Yes

Towing and storage costs

Towing and storage costs

Yes

Towing and storage costs

Yes

Towing and storage costs

No

Loss of or damage to trailers and caravans

  • Up to $1,000

Loss of or damage to trailers and caravans

  • Up to $1,000

Yes

Loss of or damage to trailers and caravans

  • Up to $1,000

No

Loss of or damage to trailers and caravans

  • Up to $1,000

No

Transportation costs

  • up to $500

Transportation costs

  • up to $500

Yes

Transportation costs

  • up to $500

No

Transportation costs

  • up to $500

No

Cover Options (at an additional premium)

Cover Options (at an additional premium)

Cover Options (at an additional premium)

Cover Options (at an additional premium)

Hire car following an incident

  • Up to $75 per day and
  • Maximum of 14 days
Or a daily allowance of $30 if a hire car is not available per claim

Hire car following an incident

  • Up to $75 per day and
  • Maximum of 14 days
Or a daily allowance of $30 if a hire car is not available per claim

Yes

Hire car following an incident

  • Up to $75 per day and
  • Maximum of 14 days
Or a daily allowance of $30 if a hire car is not available per claim

No

Hire car following an incident

  • Up to $75 per day and
  • Maximum of 14 days
Or a daily allowance of $30 if a hire car is not available per claim

No

Removal of excess for glass damage

Removal of excess for glass damage

Yes

 

Removal of excess for glass damage

No

 

Removal of excess for glass damage

No

 

Protected No Claim Discount

Protected No Claim Discount

Yes

Protected No Claim Discount

No

Protected No Claim Discount

No

Cover Options (for a reduced premium)

Cover Options (for a reduced premium)

Cover Options (for a reduced premium)

Cover Options (for a reduced premium)

Driver age restriction (excluding cover for drivers under 30 years of age)

Driver age restriction (excluding cover for drivers under 30 years of age)

Yes

Driver age restriction (excluding cover for drivers under 30 years of age)

No

Driver age restriction (excluding cover for drivers under 30 years of age)

No

Optional additional basic excess

Optional additional basic excess

Yes

Optional additional basic excess

No

Optional additional basic excess

No

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* Included under the Insured Event 'Collision or impact damage'.

The Insured Events, Cover Benefits and Cover Options 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, vandalism or malicious act, Fire, Storm, Hail and Flood. A range of Cover Benefits are also included at no additional cost. You can also choose between a range of Cover 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

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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