Online discounts

The online discount applies to new Comprehensive Motor Insurance policies. Any online discounts offered are applied to our standard rates, but excluding all other optional covers. The online discount only applies to the first year's premium (unless stated otherwise). Promotional or other discounts may apply from time to time for customers who apply for insurance via our Contact Centre.

Minimum Premiums may apply

Any discounts/entitlements may be subject to rounding and only apply to the extent any minimum premium is not reached. If you are eligible for more than one, we also apply each of them in a predetermined order to the premium (excluding taxes and government charges) as reduced by any prior applied discounts/entitlements. Discounts are available at the time of printing and are subject to change without notice.

2 We cover anyone who drives your car

We cover anyone you give permission to drive your car unless the driver is noted as a declined driver on your policy schedule. Additional excesses apply (in addition to the basic excess) for the following:

Other restrictions and excesses may apply. Please refer to the Product Disclosure Statement (PDS) and Premium, Excess, Discount and Options Guide (PED) for more details.

5 Removal of basic excess for windscreen claim

Only applies where damage to windscreen is the only damage to the vehicle. Applies to one replacement claim per policy year.

Home Conditions

2. 72 hour waiting period for loss or damage occurring from cyclones, storm surge or floods.

As the Territory is subject to catastrophic weather events, it is necessary for us to apply a 72 hour waiting period for loss or damage occurring from cyclones, storm surge or floods. This means if you arrange new insurance or make a mid-term alteration such as increase sums insured, you will not have cover for these events until 72 hours after purchase or alteration.