Updated 18 Sep 2018

FMG

Superior Private

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Full policy details

Policy

Underwriter
FMG Insurance
Financial strength
A (A.M. Best)
Independent complaints organisation

Insurance & Financial Services Ombudsman Scheme

Phone
0800 366 466
Cooling-off period
30 days

Standard excesses for fully-licenced, named drivers

Under 21
$1200
21 to 24

$900

25 plus

$400

Main cover

Damage to others' property

Up to $10 million

Towing costs following accident

Reasonable towing costs

Road-clearing costs following accident

Up to $5000

Transport costs following accident

Transport and accommodation costs up to $2000

Accommodation costs following accident

Transport and accommodation costs up to $2000

Cover for natural disasters

Yes

Other benefits

Damage to trailer covered under same policy

Up to $1000 (standard excess applies)

Cover for windscreens/windows

Yes

Possible to claim for broken glass without impacting excess/no-claims discount

Yes (but no-claims discount may be impacted)

Keys/locks replaced

Reasonable costs (no excess)

Repairs done by specified repairer guaranteed

No

Option to choose your own repairer

Yes

Roadside assistance available

No

Rental car during repairs

Optional extra (up to $100 per day for up to 30 days)

No-claims discount protection (including at-fault crashes)

No

New vehicle replaced entirely

Yes, if less than 1 year old

Car accessories included in cover

Yes - child car seat, stereo, etc

Car accessories kept at home covered

Yes - if usually kept in the car

Death and injury cover

Driver's death

$5000 total

Driver's personal injury

Up to $10,000 total

Driver's medical expenses

No

More info

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Notes
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