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, flood and bush fires. 72hr waiting period applies for new customers
  • Guarantee on authorised repairs for as long as you own or lease your vehicle
  • Reasonable costs of towing after a covered accident
  • Covered for rental car following theft. ($100 per day limit, up to 30 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, up to a market value of $5,000 for any one accident, for any one incident, if you are not at fault in an accident and can provide the responsible party's details (as listed in the PDS) and the other car is uninsured

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.

More about TIO Car Insurance

Making a claim

Learn more about making a claim or start a claim now

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Quick online quote

Get a quote online in just two minutes. You have the choice of agreed or market value.

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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 or daughter is under the age of 25. If you make a claim for an incident that occurred when your vehicle was being driven by a driver under the age of 25, you will need to pay the Age excess shown in the policy schedule in addition to the Basic excess (and all other applicable excesses payable in the policy schedule). If your son/daughter is not listed on your policy schedule, you will need to pay a higher Age excess than if the driver is listed.
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).
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.