CHOICE is Australia’s leading consumer advocacy group, providing independent, unbiased and trusted product reviews.
TIO Comprehensive Car Insurance product ranked second in the nation from 41 products across the country. The Comprehensive Car Insurance product with the highest score (80), is only available to Western Australia residents, making the TIO product (with a score of 78), the highest ranked surveyed product sold in the Territory.
TIO’s Comprehensive Car Insurance aims to reflect the needs and conditions of the Territory. To find out more about TIO’s Comprehensive Car Insurance, the benefits it offers and to see if it is right for you click here.
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 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.
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:
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).