Territory Comprehensive Car InsuranceComprehensive Car Insurance provides cover for your car, and for damage caused to other people's cars and property, if you have a covered accident.

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Protect your car

  • Cover for theft and accidents
  • Cover for cyclone, fire, storm surge and flood.
    (72 hr waiting period applies for new customers)
  • Cover for personal items stolen from or with your car
  • New for old replacement of vehicles less than 2 yrs old
  • Reasonable costs of towing after a covered accident
  • Guarantee on authorised repairs
  • Rental car (where available) following theft
  • Emergency accommodation4 and travel expenses
  • And more

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.

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.

Why TIO?

Local contact centre and claims teams

While it may sound so simple, when things happen, talking with someone who lives and works in the Territory becomes really important.

$17m in claims paid Jan – Dec 2016

Our focus has, and will always be about getting you and your car back on the road as quickly as possible.

Cover you need

Because we understand Territory conditions, we provide an affordable level of cover without compromising service.