Car Insurance ExplainedYour car is more than something that gets you from A to B. It's your daily commute, your weekend escape, the kid’s taxi, your pride and joy. So make sure you’ve got the right level of cover with TIO Car Insurance.

Comprehensive Car Insurance

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Third Party Fire & Theft

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Car insuranceChoose the car insurance that is right for you.

For full details of the conditions, limits and exclusions on all our cover options, please refer to the Product Disclosure Statement

  • Comprehensive Car InsuranceCover for your car and other people's property
  • Cover for accidental loss or any other type of accidental damage that happens to your car during the period of insurance
  • Provides new for old replacement – if your car is a total loss, less than 2 years old & bought new by you
  • Cover for damage to other people's property (including cars) through your fault
  • Cover for accidental damage to your car caused by theft
  • Cover for accidental damage or loss to your car including cyclone, storm surge, fire & flood. 72hr waiting period applies for new customers.
  • Guarantee on authorised repairs
  • Reasonable costs of towing after a covered accident
  • Covered for rental car following theft. ($100 per day limit, up to 21 days)
  • Third Party Property Damage (Legal Liability)Cover only for other people's property
  • Cover for accidental loss or damage to someone else’s property which is caused by a motor car which is partly or fully your fault which occurs during the period of insurance.
  • Approved legal costs arising out of a claim for liability covered by your policy
  • Accidental damage to your car if you are not at fault in an accident and the other car is uninsured. for market value up to $5,000 for any one incident including the cost of protection, removal and towing.
  • Third Party Fire & TheftCover for your car caused by fire or theft
  • Cover for accidental loss or damage to your car caused by fire or theft that happens during the period of insurance.
  • Approved legal costs arising out of a claim covered by your policy
  • Guarantee on authorised repairs
  • Accidental damage to your car if you are not at fault in an accident and the other car is uninsured. Up to a maximum amount of $5,000 for any one incident including the cost of protection, removal and towing.

Policy documents

We do not provide advice based on any consideration of your objectives, financial situation or needs. Terms, conditions, limits and exclusions apply. Before making a decision please refer to the Product Disclosure Statement (PDS). A Premium, Excess, Discount and Options Guide (PED) is also available for reference.

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Quick online quote

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Repairers

TIO works with repairers that provide fast and quality service. Repairs come with a guarantee for as long as you own/lease your car.

Frequently Asked Questions

Yes. If your son/daughter is involved in an accident while driving your vehicle and is not listed as a nominated driver on your insurance, he/she may have to pay the undeclared young driver excess, and the age excess (if he/she is under the age of 25), and also the basic excess applicable to the policy, on condition that TIO accepts the claim.
To have a non-standard accessory - such as a music player - covered under your car insurance policy, you need to let TIO know the details and value of the accessory. You need to do this for all non-standard accessories as well as modifications that you have made to the vehicle to ensure you are covered in the event of a car insurance claim. Remember to also keep a record of your purchases.
In addition to the basic excess, he/she will also be required to pay the age excess. All excesses are displayed on our car insurance policy schedule.
You can’t cover your windscreen only. Windscreen cover is available as part of our Comprehensive Car Insurance.
Comprehensive Car Insurance covers damage to your vehicle, loss of your vehicle or property, theft, and damage to other people's property, such as their vehicle. Third Party Property Damage (Legal Liability) Car Insurance provides cover for damage or loss against someone else's property (e.g. in the event of a covered accident). Third Party Fire and Theft Car Insurance adds cover in the event of your vehicle being stolen or catching fire.
Unless they are listed on your car insurance policy, we are unable to provide any information or action any requests on your behalf. Please contact our staff on 131 846 to discuss what is involved in providing them access to your car insurance policy.

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