Car Insurance

Our Comprehensive Car Insurance is CHOICE Recommended two years in a row.

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Car Insurance

Watch our short video to understand the differences between comprehensive and third party property damage car insurance.

Video about the differences between comprehensive and third party property damage car insurance.

Compare Car Insurance Options

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.

We offer two levels of cover: Third Party Property Damage and Comprehensive Cover. Third Party Property Damage covers for loss or damage you cause to other people’s cars or property. Whereas Comprehensive covers for loss or damage to your car as well as loss or damage you cause to other people’s cars or property.

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.

Features
Comprehensive Cover
Third Party Property
Accidental Damage cover
2 years new for old vehicle replacement
Legal Liability
Cover for cyclone, flood and bushfires2
(72 hour waiting period applies for new policies)
Emergency accommodation and travel expenses
Cover for personal items in your car up to $1000 for any one incident
Guarantee on authorised repairs as long as you own or lease the vehicle7
Rental car after theft of your vehicle - $100 per day limit, up to 30 days6
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View the PDS
Key
 
Included in policy
Not included in policy

This is a summary only of some of the features available on these Car Insurance policies. Before making a decision on this insurance, please carefully consider the relevant Product Disclosure Statement (PDS) and Supplementary PDS (where applicable) which set out the terms, conditions, limits and exclusions of our Car Insurance.

Looking for more cover options?

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.

If your son/daughter is involved in an accident whilst driving your vehicle and is not listed as a nominated driver on your insurance policy, you may have to pay a higher Age excess in addition to Your Basic excess and any other excess that applies, on condition that TIO chooses to accept the claim. If they were listed on the policy, a lower Age excess would apply in addition to Your Basic excess and any other excess that applies.
In addition to Your 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 towbars. You also need to let us know of any modifications that you have made to your vehicle to ensure you are covered if you lodge 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.
For your family member to have access to enquire or make changes to your car insurance policy you will either need to provide authority on the policy or add them as a policy holder. Please contact our staff on 131 846 to discuss who is listed on the policy and what is required to provide them with access to your policy.
Talk to a local
Our contact centre and claims teams live and work in the Territory, so we know Territory conditions.
We cover various weather events
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. We are as committed and passionate about the Northern Territory as you are.

*Conditions apply

1. 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.

2. 72 hour waiting period for loss or damage occurring from cyclones, flood or bush fires

To manage the risk of people taking out insurance on their uninsured vehicle when events such as cyclones, floods or bushfires are predicted, a 72 hour waiting period applies to some insured events. This means if you arrange new insurance you will not have cover for these events until 72 hours after purchase of your policy.

3. Removal of basic excess for windscreen claims

When the removal of basic excess for windscreen claims policy option is selected, and the windscreen or window glass in your vehicle is accidentally broken or damaged, we will not apply Your Basic excess to your claim. This option only applies:

  1. To one replacement claim plus two repair claims in any one period of insurance; and
  2. If the broken windscreen or window glass is the only damage to your vehicle.

4. Named driver discount

Named driver discount applies to comprehensive car insurance policies only. Up to 5% named driver discount is applied when you select this option and name all drivers on your policy at the time of purchase. This discount is 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 Your Basic excess and all other excesses where applicable).

5. Choose your repairer

In certain circumstances we may agree with you to use a different repairer than the one that you selected or pay you the reasonable repair costs. We will act reasonably in doing so.

6. Rental car

If we have accepted your claim, we will arrange for you to be provided with a rental car for up to 30 days. The daily rental charge we will pay is up to $100. We will extend your rental car or daily travel allowance period to the extent that we caused or contributed to the delay in repairing your vehicle.

7. Guarantee on authorised repairs

We guarantee materials and workmanship on repairs we authorise for as long as you own or lease your vehicle. This guarantee is not transferable.

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