Updated 3 Nov 2017

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Comprehensive Car Insurance

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Full policy details

Policy

Underwriter
Tower Insurance
Underwriter's financial strength rating
A- (A.M. Best)
Independent complaints organisation

Insurance & Financial Services Ombudsman Scheme

Phone
0800 800 444
Cooling-off period
30 days

Standard excesses for fully-licenced, named drivers

Under 21
$1000
21 to 24

$1000

25 plus

$500

Main cover

Liability to 3rd parties

Up to $20 million

Towing costs following accident

Reasonable towing costs

Road-clearing costs following accident

No

Transport costs following accident

Transport and accommodation costs up to $500

Accommodation costs following accident

Transport and accommodation costs up to $500

Cover for natural disasters

Yes

Other benefits

Damage to trailer covered under same policy

No

Cover for windscreens/windows

Optional extra

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

Optional extra

Keys/locks replaced

No

Repairs done by specified repairer guaranteed

Yes

Option to choose your own repairer

Yes

Roadside assistance available

Optional extra

Rental car during repairs

Optional extra up to $750 or 14 days (whichever is the lesser)

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

Yes

New vehicle replaced entirely

No

Car accessories included in cover

Optional extra (up to the value specified)

Car accessories kept at home covered

No

Death and injury cover

Driver's death

No

Driver's personal injury

No

Driver's medical expenses

No

More info

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