Car Insurance, tips for choosing your cover

Unsure what the difference is between Comprehensive Car Insurance and Third Party Property Damage Car Insurance? Read on to find out the differences.

Unsure what the difference is between Comprehensive Car Insurance and Third Party Property Damage Car Insurance? Unsure which cover you might need? We outline the differences to help make your decision simpler.

Comprehensive car insurance

The highest level of cover we offer for your vehicle which provides cover for fire, theft, accidents, and malicious damage. It also covers your legal liability for loss or damage to someone else’s property caused by a motor vehicle accident which is partly or fully your fault.

Third–party property damage car insurance

Covers your legal liability for loss or damage to someone else’s property caused by a motor vehicle accident which is partly or fully your fault.

Different types of car insurance cover summary

This is a summary only. For the standard terms, conditions, limits and exclusions of cover, please refer to the Product Disclosure Statement.

You can view the comparison table here

For a quote on either comprehensive or third party property damage car insurance please visit our website or call 1300 1300 50 and speak to one of our friendly consultants who will be happy to help.

Disclaimer

Insurance and Membership Services Limited, ABN 59 057 159 743 AR Number 246235 trading as COTA Insurance arranges this insurance as agent for the insurer Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL No 234708. We do not provide any advice based on any consideration of your objectives, financial situation or needs. Terms, conditions, limits and exclusions apply. Before making a decision, please consider the Product Disclosure Statement . The relevant Target Market Determination is available by calling 1300 1300 50. If you purchase this insurance, we will receive a commission that is a percentage of the premium.  Ask us for more details before we provide you with services.

1. Minimum premiums may apply. Any discounts and entitlements may be subject to rounding and only apply to the extent any minimum premium isn’t reached. If you’re eligible for more than one, Allianz also apply each of them in a predetermined order to the premium (excluding taxes and government charges) as reduced by any prior applied discounts and entitlements. Discounts may not be applied to the premium for optional covers.
2. The online discount applies when you quote and buy a new Comprehensive Motor Insurance policies only. Any online discounts offered are applied to Allianz’s standard rates, excluding optional covers, and are for the first year’s premium only, unless otherwise stated. Promotional or other discounts may apply from time to time for customers who apply for insurance using other methods.
3. Premiums payable by instalments may be subject to minor adjustments (upwards or downwards) due to rounding and financial institution transaction fees may apply.
4. Allianz will extend your rental car or daily travel allowance period to the extent that Allianz caused or contributed to the delay in repairing your vehicle.
5. Safe Driver Discount applies to Comprehensive Motor Insurance policies only. Any discount entitlement is determined by the insurance history and driving history of all drivers on the policy and the number of claims made by them. If eligible, the maximum Safe Driver Discount that may be applied on new policies is up to 10%. For more information see our PED guide.
6. Allianz may authorise repairs at your repairer of choice; pay you the reasonable costs of repairing your vehicle; or move your vehicle to another repairer we both agree upon. We will act reasonable in doing so.
7. Offer valid for new COTA Comprehensive Car insurance policies. Roadside assistance services are provided by AWP Australia Pty Ltd ABN 52 097 227 177, trading as Allianz Global Assistance. *Service area limits apply, as well as exclusions, other limitations and terms and conditions. For details, see the roadside assistance terms and conditions here Allianz Global Assistance Roadside Assistance Plans.