Updated 3 Nov 2017


Motor Vehicle Insurance

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Full policy details


Medical Insurance Society Ltd
Underwriter's financial strength rating
A- (Standard & Poor's)
Independent complaints organisation

Insurance & Financial Services Ombudsman Scheme

0800 800 627
Cooling-off period
30 days

Standard excesses for fully-licenced, named drivers

Under 21
$900 (cars under $50,000)
21 to 24

$650 (cars under $50,000)

25 plus

$400 (cars under $50,000)

Main cover

Liability to 3rd parties

Up to $10 million

Towing costs following accident

Reasonable towing costs

Road-clearing costs following accident

Reasonable road-clearing costs

Transport costs following accident

Transport and accommodation costs up to $1000

Accommodation costs following accident

Transport and accommodation costs up to $1000

Cover for natural disasters


Other benefits

Damage to trailer covered under same policy

Up to $2000 (excess applies; no-claims bonus impacted)

Cover for windscreens/windows


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


Keys/locks replaced

Reasonable cost (no excess; no claims bonus not affected)

Repairs done by specified repairer guaranteed


Option to choose your own repairer


Roadside assistance available


Rental car during repairs

Optional extra (reasonable costs covered for up to 30 days, up to $100 per day)

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


New vehicle replaced entirely

Yes, if less than 1 year old (or 2 years old and has travelled less than 40,000km), and uneconomical to repair

Car accessories included in cover

Yes - child car seats, stereo, etc

Car accessories kept at home covered

Yes - up to $1000

Death and injury cover

Driver's death

Up to $20,000 total

Driver's personal injury


Driver's medical expenses


More info

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