1 Save up to 19% when you name your drivers and buy online

This is made up of an up to 10% online discount and up to 9% named driver discount when you select this option and name the drivers on your policy at the time of purchase.

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 additional to the basic excess) for the following:

• Age excess: drivers under the age of 25 – $350 excess (in addition to basic excess and other applicable excesses)
• Undeclared young driver excess: drivers under the age of 25 and not listed in your current schedule – $750 excess (in addition to basic excess, age excess and other applicable excesses)
• Inexperienced driver excess: driver over the age of 25 who has not held a licence for more than 2 years - $350 excess (in addition to basic excess and other applicable excesses)
• Unnamed driver excess: if you choose to reduce your premium by naming drivers on your policy, an unnamed driver will incur - $2,500 excess (this replaces all other excesses)
• Restricted driver excess: if you choose to reduce your premium by restricting drivers on your policy to over 25 yrs only, any driver under 25 will incur - $2,500 excess (this replaces all other excesses)

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.