CHOICE is Australia’s leading consumer advocacy group, providing independent and 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.
For full details of the conditions, limits and exclusions on all our cover options please refer to the Product Disclosure Statement
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. 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.
2. We cover anyone who drives your car
We cover anyone you give permission to drive your car unless the driver is excluded by the policy or is noted as a declined driver on your policy schedule. Additional excesses apply (in addition to Your Basic excess) for the following:
3. Removal of basic excess for windscreen claims
When the removal of basic excess for windscreen claims policy option is selected, and the windscreen or window glass in your vehicle is accidentally broken or damaged, we will not apply Your Basic excess to your claim.
This option only applies:
4. Named driver
Named driver discount applies to comprehensive car insurance policies only. Up to 5% named driver discount is applied when you select this option and name all drivers on your policy at the time of purchase. This discount is 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 Your Basic excess and all other excesses where applicable).
5. Choose your repairer
We may authorise repairs by your chosen repairer, or pay you reasonable repair cost or the car’s agreed or market value.