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Car Insurance comparison tableCar Insurance Product Comparison (effective 12 July 2015).

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

What you are covered for

Third Party Property
Property Damage
Third Party Fire / Theft
Accidental loss of or damage to your car Yes - If caused by
Fire & Theft
New for old replacement - less that 2 years old
Accidental death benefit - $25000 per period of insurance
Child seat or baby capsule - $500 any one incident
Emergency repairs - $500 any one incident
Emergency accommodation and travel expenses - $750 any one incident
Lock Re-keying / Re-coding - $1000 any one incident
Personal items - $750 any one incident
Rental car after theft - 21 days, $100 per day maximum
Temporary cover on replacement car - 14 days
Towing Reasonable costs
Trailer and caravan cover - $1000 or market value whichever is the lesser any one claim
Transportation costs - $500 any one incident
Legal Liability - $20000000 any one event or series of events
Substitute vehicle (liability)
Legal costs - All
Employer's or principal's liability
Supplementary bodily injury (liability) - $20000000 any one event or series of events
Uninsured motorists extension

Optional covers you can add

Protected NCB -1st claim per period of insurance
Rental car following an accident - 21 days, $100 per day maximum
Removal of basic excess for windscreen claims - 1 replacement claim and 2 repairs in any period of insurance (wind screen or window glass)
Tools of trade - $1500 any one incident

Optional excesses you can select to decrease your premium

Restricted driver excess - $2500 any one claim
Unnamed driver excess - $2500 any one claim

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.

Choosing Car Insurance

When shopping around for car insurance, the first question you need to ask is, "Do I need Comprehensive Car Insurance or is Third Party Property Damage Insurance sufficient?"

Comprehensive Car Insurance covers you for damage to your vehicle or theft of your vehicle as well as damage to other people's vehicle or property where you are at fault. Additional benefits include:

  • Car hire (up to $100 per day) if your car is stolen
  • Towing after an accident
  • New replacement vehicle if your new car is a total loss, less than 2 years & bought new by you
  • Accidental loss or damage to a trailer attached to a damaged and vehicle
  • Emergency repairs
  • Emergency accommodation after a covered accident7

In deciding whether to take out Comprehensive Car Insurance you should weigh up the financial cost to yourself if your car is written off compared to the insurance premium you are paying.

If your car is financed, Comprehensive cover may be a requirement of the finance company. If your vehicle is not financed, the decision to go for a Comprehensive Car Insurance policy comes down to the value of the vehicle, what it would cost you to repair it, and whether you could pay for the repairs yourself.

As your car ages and its market value decreases, a Third Party Property Damage policy may make more sense. Third Party Property Damage Insurance covers you for any damage you cause to another person’s vehicle or property.

Alternatively, Third Party Property Damage Fire and Theft may be the ideal middle ground for you. You are covered not only for damage caused to other people’s property but also if your car is stolen or damaged by fire, up to a specified amount.

You can save money on your comprehensive car insurance premium if you:

  • Limit the number of drivers
  • Restrict drivers under 25
  • Buy online and get up to 15% discount1,2
  • Qualify as a safe driver3
  • Increase your excess2

Getting a quote for car insurance is quick and easy if you have the right information handy. Most quotes can be done online in a matter of minutes. Whether you use our online service or call 131 846, you will be asked a series of questions, including:

  • What date do you want your policy to begin: it must be within the next 30 days
  • Where is the vehicle parked overnight: is it in a garage, carport or on the road?
  • Details of the person driving the car, including the year they got their Australian driver’s licence
  • The make, model, year, colour and weekly mileage of the vehicle
  • Any modifications that have been made to the vehicle
  • How the vehicle is financed
  • Whether the vehicle is for business or private use
  • Your No Claim Bonus status

When you have answered the required questions, you will be provided with the available options and given both an annual and month-by-month quote.

Comprehensive car insurance covers you for costs in the event of an accident or claim that is covered by your policy in exchange for you paying an insurance premium. The amount you pay for your premium is based on the answers you give to a series of questions. These will be entered into our database and the statistics will be compared to other people who match your profile in order to calculate your premium. Here are some of the key factors that help determine your level of risk:

  • The driver's age
  • The make and model of your vehicle
  • Annual mileage
  • Whether the driver is male or female
  • Where the vehicle is kept overnight
  • The suburb or town where the vehicle is kept
  • Whether the vehicle is privately owned or financed

Refer to the PDS and PED for more information.

The cost of your premium also depends on the amount of excess your are willing to pay in the event of a claim. In general, premiums will be higher if a lower excess is selected, and vice versa.

More about TIO Car Insurance

Making a claim

Learn more about making a claim or start a claim now

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Policy documents

Before making a decision please consider the Product Disclosure Statement (PDS). A Premium, Excess, Discount and Options Guide (PED) is also available for reference.

Learn More

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.

Next Steps

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.