Car Insurance

You may save up to 10%* on comprehensive car insurance when you buy online

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We understand that your car is more important to you than just getting you from A to B. It is your daily commute, lets you explore on the weekend, and for some, it is your pride and joy. So make sure you’ve got the right level of cover with TIO Car Insurance.

This table is a guide only. For full details of the conditions, limits and exclusions on all our cover options please refer to the Product Disclosure Statement and Policy Documents.

Comprehensive Cover
Cover for your car and other people’s property
Cover for accidental loss or damage to your car
New for old replacement of a new vehicle after a total loss, if you purchased your vehicle new from the manufacturer or dealer and your vehicle is less than 2 years old from its first registration at the time it is declared a total loss
Cover for damage to other people’s property (legal liability) – up to $20,000,000
Cover for cyclone, flood and bushfires
(72 hour waiting period applies for new customers)
Emergency accommodation and travelling expenses up to $1000 for any one incident
Cover for personal items stolen from your car up to $1000 for any one incident
Guarantee on authorised repairs
Rental car (where available) following theft
Third Party Property Damage (Legal Liability)
Cover only for other people's property
Cover for accidental loss of or damage to your car
New for old replacement
Cover for damage to other people’s property (legal liability) – up to $20,000,000
Cover for cyclone, flood and bushfires
(72 hour waiting period applies for new customers)
Emergency accommodation and travelling expenses
Cover for personal items stolen from your car
Guarantee on authorised repairs
Rental car (where available) following theft
Key
Included in policy
Not included in policy

Looking for more?

You can choose the Comprehensive cover you need when you get a quote.

Frequently Asked Questions

Comprehensive Car Insurance provides cover for fire, theft, accidents and malicious damage to your car. It also covers your legal liability for loss or damage to someone else's property caused by a car accident which is partly or fully your fault.

Third Party Property Damage (Legal Liability) Car Insurance covers your legal liability for loss or damage to someone else's property caused by a car accident which is partly or fully your fault.

You can compare the different insurance cover types here, to see which option is right for you.

Yes. In the event that your son/daughter is involved in an accident in your vehicle and is not listed as a nominated driver on your insurance, he/she may have to pay a higher Age excess for drivers not listed on your policy schedule in addition to the Basic excess, on condition that TIO chooses to accept the claim. If they were listed on the policy, you would pay a lower Age excess in addition to the Basic excess.
In addition to the Basic excess, he/she will also be required to pay an “Age excess” for drivers under the age of 25 listed on your policy schedule. All excesses are displayed on our current car insurance policy schedule.
A new stereo is considered a non-standard accessory. To ensure you are covered, you need to let us know the details of your new stereo and its value to ensure it is covered by your car insurance policy. You need to do this for all non-standard accessories including (but not limited to) aftermarket wheels and spoiler. You also need to let us know of any modifications that you have made to your vehicle to ensure you are covered in the event of a car insurance claim. Remember to keep a record of your purchases.
You need to let us know the details of all modifications made to your car to ensure they are covered in the event of a claim. You also need to do this for all non-standard accessories including (but not limited to) snorkel, after market wheels and new sound system. Remember to keep a record of your purchases.
Talk to a local
Our contact centre and claims teams live and work in the Territory, so we know Territory conditions.
We cover the conditions
With our comprehensive cover, you’ll be covered for damage caused by storms, cyclones, hail, storm surge and flood. Plus you can add excess free windscreen cover.
Trusted since 1979
TIO was established in 1979 to provide Territorians with insurance options that are right for them. Almost 40 years on, we are still here because we are as committed and passionate about the Northern Territory as you are.

1. Online discounts

The online discount applies to new comprehensive car insurance policies only. Any online discounts offered are applied to our standard rates (excluding optional covers) and are for the first year’s premium only (unless stated otherwise). Promotional or other discounts may apply from time to time for customers who apply for insurance via other methods.

2. Minimum premium

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 may not be applied to the premium for optional covers.

3. 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:

  • Age Excess: drivers under the age of 25 listed on the policy schedule - $600, driver under the age of 25 not listed on your policy schedule - $1800
  • Unnamed driver excess: if you choose to reduce your premium by naming drivers on your policy, an unnamed driver will incur a $2,500 excess (this replaces all other excesses)
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.

4. 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.

5. Named driver and online discount

Named driver and online discount applies to new comprehensive car insurance policies only. Up to 15% discount is a combination of two discounts: up to 10% discount for buying online, up to 5% named driver discount when you select this option and name all drivers on your policy at the time of purchase. These discounts are cumulative and are applied to our standard rates (excluding optional covers). If you choose to reduce your premium by naming drivers on your policy, an unnamed driver will incur a $2,500 excess (this replaces the basic and all other excesses where applicable).