Motor insurance
Motor cover, written so you can check it.
Comprehensive, third party property damage, or third party fire and theft. CTP is handled separately in every state, and we explain which one applies to you.
CTP is not the same thing as this policy and it is not the same in every state. It is a Green Slip in NSW, part of your TAC charge in Victoria, and an insurer you choose at rego time in Queensland, the ACT and South Australia.
What is covered
- Accidental damage to your car, wherever you were at fault or not
- Fire, theft, attempted theft, malicious damage and vandalism
- Storm, hail and flood damage, including a written-off vehicle
- Damage you cause to the property of others, up to $20 million
- A hire car for up to 21 days after theft, at no extra cost
- Towing to the nearest repairer or safe place
- New car replacement if written off within the first three years
- A lifetime guarantee on repairs authorised by us
What is not covered
- Wear and tear, mechanical or electrical failure, and tyre damage from ordinary use
- Driving while over the legal blood alcohol limit or refusing a test
- Driving unlicensed, or outside the conditions of your licence
- Using the car for rideshare or delivery work unless declared
- Damage caused while the car was unroadworthy
This is a summary. The full list of exclusions, limits and conditions is in theProduct Disclosure Statement.
Excess, in plain figures.
The excess is what you contribute towards a claim. Choosing a higher one lowers your premium. Some claims attract more than one excess, and where they do we say so.
| Excess | Amount | When it applies |
|---|---|---|
| Basic excess | $695 | Applies to most claims |
| Age excess (under 25) | +$600 | Additional, for drivers under 25 |
| Inexperienced driver excess | +$400 | Licensed less than two years |
| Undeclared driver excess | +$1,500 | Driver not listed on the policy |
All premiums shown are in Australian dollars and include GST and stamp duty, plus the NSW Emergency Services Levy or the Tasmanian Fire Service Contribution where they apply.
CTP is not the same in any two states.
Compulsory Third Party covers injury to people, and it is separate from the policy on this page. In four jurisdictions you choose the insurer. In four you do not. Here is which one applies to you.
| State | What it is called | How you pay it | Choice of insurer |
|---|---|---|---|
| NSW | Green Slip | Bought separately from a licensed CTP insurer before you can register. | You choose the insurer |
| VIC | TAC charge | Collected by VicRoads as part of your registration renewal. | No choice, single scheme |
| QLD | CTP with rego | Paid with your registration, but you nominate which licensed insurer. | You choose the insurer |
| ACT | CTP with rego | Paid with registration, with a choice of licensed insurers. | You choose the insurer |
| SA | CTP with rego | Included in your registration, with a choice of approved insurers. | You choose the insurer |
| WA | Motor injury insurance | Collected with registration by the Insurance Commission of WA. | No choice, single scheme |
| TAS | MAIB premium | Collected with registration by the Motor Accidents Insurance Board. | No choice, single scheme |
| NT | MACA charge | Collected with registration under the Motor Accidents Compensation scheme. | No choice, single scheme |
In New South Wales the Green Slip must be in place before you can register or renew. In Victoria the TAC charge appears on your VicRoads renewal and there is no insurer to choose. Southerly does not issue CTP.
Options worth considering
Excess-free windscreen
One windscreen or window claim each period with no excess.
Hire car after any accident
Extends the hire car benefit beyond theft to any covered claim.
Roadside assistance
Flat batteries, flat tyres, running out of fuel, and lockouts, Australia wide.
Rating one for life
Locks in your no-claim bonus so a single at-fault claim does not reset it.
Questions about motor cover
What is the difference between comprehensive and third party property damage?
Comprehensive covers damage to your own car as well as damage you cause to other people and their property. Third party property damage covers only the damage you cause to others. If your car is worth less than a few thousand dollars, third party property damage is often the rational choice. If a repair would hurt, comprehensive is not.
Is CTP the same thing as this policy?
No. Compulsory Third Party covers injury to people. It is a separate, compulsory scheme and it works differently in every state and territory. This policy covers property: your car, the other car, fences, buildings. You need both, and CTP does not come from us.
What is agreed value and market value?
Agreed value fixes the payout for a total loss at a figure set when you take the policy out, and it does not fall through the year. Market value pays what the car was worth the day before the loss, which is usually less. Agreed value costs a little more and removes the argument.
Will you cover me for rideshare or food delivery?
Yes, but only if you declare it. Rideshare and delivery use puts materially more kilometres on a car in higher risk conditions. Undeclared commercial use is one of the most common reasons a motor claim gets declined, and it is entirely avoidable.
What happens to my no-claim bonus if I claim?
An at-fault claim drops your no-claim bonus one step at renewal, unless you have the rating one for life option, which locks it permanently. A not-at-fault claim where we identify the other driver and recover from their insurer does not affect it at all.
Other cover
- Home and ContentsBuildings and contents, storm, fire, flood and theft, with make safe called out within 24 hours.
- LandlordBuilding, landlord contents, loss of rent, tenant damage, and legal expenses for tribunal matters.
- TravelOverseas medical, cancellation, luggage and delays, for single trips or an annual multi trip policy.
- BusinessPublic liability, property and stock, business interruption, glass, and tools of trade in one pack.
Get a motor quote in two minutes.
Eight questions, no phone call, and the premium, excess and exclusions on one screen. This advice is general only and does not take into account your objectives, financial situation or needs. Before acting on it, consider whether it is appropriate for you.
Consider the PDS and TMD before deciding. Premiums include GST and stamp duty.