Comprehensive Car Insurance

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Comprehensive Car Insurance

Cover for accidental loss or damage to your car as well as loss or damage you cause to other people's cars or property.

Your car is more than something that gets you from A to B. It’s your daily commute, and for some your pride and joy. That’s why we cover you and anyone you give permission to drive your car 7.

Make sure you’ve got the right level of cover with TIO Car Insurance.

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

Accidental loss of or damage to your car
Rest easy, we’ve got you covered for damage or accidental loss caused by theft, attempted theft, collisions, malicious damage and fire, and natural events such as hail, storm, flood or bushfire.2
New for old replacement of a new car
If your vehicle is a total loss, you purchased it new or as a demo and it’s less than 2 years old from its first registration, we will replace it with a new one of the same make, model, engine size, features and paint type where available in Australia.
Child seat or baby capsule
Following a covered accident, we will replace any child seat or baby capsule in your vehicle up to the value of $500 in any one incident.
Emergency repairs
We will reimburse you up to $500 for the cost of emergency repairs which may be necessary to enable you to drive your car home after a covered accident.
Emergency accommodation and travelling expenses
We will pay up to $1,000 for any reasonable additional travel or accommodation expenses incurred by you as a result of a covered accident, provided that at the time of the covered accident your car was more than 100 kilometres from where it is normally parked at night.
Lock re-keying / re-coding
We will pay up to $1,000 for replacement keys or necessary
re-coding if your car keys are stolen and the theft has been reported to the police.
Personal items
We will pay you up to $1,000 for the accidental damage to or theft of personal effects or clothing which were stolen from your locked car or were situated in your car when it was stolen or damaged, where we have accepted your claim.
Rental car after theft
If we have accepted your claim for theft of your vehicle we will arrange for you to be provided with a rental car for up to 30 days.6 The daily rental charge we will pay is up to $100.
Towing
We will pay the reasonable cost of towing your car to the nearest repairer, place of safety or another agreed upon place, after a covered accident.
Trailer and caravan cover
We will pay the lesser of market value or $1,000 for accidental loss or accidental damage to any trailer or caravan which was attached to your vehicle at the time of a covered incident.
Transportation costs
If your vehicle cannot be safely driven home after a covered accident we will reimburse you up to $500 for you to get home and to collect your vehicle once it is repaired.
Legal liability
We will cover up to $20,000,000 to cover your legal liability for loss of or damage to someone else’s property which is caused by a car accident which is partly or fully your fault, for any one event or series of events.
Legal costs
We will pay for all legal costs and expenses in defending any court proceedings arising from a claim for liability covered by the policy.
Optional Benefit
Rental car following an accident
We will pay for the cost of a rental car following an accident for up to 30 days.6 The daily rental charge we will page is up to $100.
Optional Benefit
Removal of basic excess for windscreen claims3
We will remove Your Basic excess for 1 replacement claim and 2 repairs in any period of insurance (windscreen, sunroof or window glass). Only applies where this damage is the only damage to the vehicle.
Optional Benefit
Tools of trade
We will cover up to $3,000 cover for accidental loss or damage to any tools of trade, stock and materials if we accepted a claim for accidental loss or accidental damage to your vehicle.
Optional excesses you can select to decrease your premium
Unnamed driver excess1,4
Reduce your premium by selecting this option and listing all your drivers on the policy. An excess of $2,500 will be applied in the event of an accident where the driver is not listed.
Adjust your excess1
Increase Your Basic excess to reduce your premium.

This is a summary only of some of the features available on these Car Insurance policies. Before making a decision on this insurance, please carefully consider the relevant Product Disclosure Statement (PDS) and Supplementary PDS (where applicable) which set out the terms, conditions, limits and exclusions of our Car Insurance.

Policy documents

Any advice here is of a general nature only and does not take into account your objectives, financial situation or needs. Terms, conditions, limits and exclusions apply. Before making a decision please consider the relevant Product Disclosure Statement (PDS) /Policy Wording, Supplementary PDS (where applicable) and PDS update (privacy notice). A Premium, Excess, Discount and Options Guide (PED) is also available for reference.

Frequently Asked Questions

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

My son/daughter just received their probationary licence and is under 25, do I need to list them as a nominated driver?’ to ‘If your son/daughter is involved in an accident whilst driving your vehicle and is not listed as a nominated driver on your insurance policy, you may have to pay a higher Age excess in addition to Your Basic excess and any other excess that applies, on condition that TIO chooses to accept the claim. If they were listed on the policy, a lower Age excess would apply in addition to Your Basic excess and any other excess that applies.
In addition to Your Basic excess, he/she will also be required to pay an “Age excess” for drivers under the age of 25 listed on your policy schedule. All excesses are displayed on your current car insurance policy schedule.
A new stereo is considered a non-standard accessory. To ensure you are covered, you need to let us know the details of your new stereo and its value to ensure it is covered by your car insurance policy. You need to do this for all non-standard accessories including (but not limited to) aftermarket wheels and towbars. You also need to let us know of any modifications that you have made to your vehicle to ensure you are covered if you lodge a car insurance claim. Remember to keep a record of your purchases.
You need to let us know the details of all modifications made to your car to ensure they are covered in the event of a claim. You also need to do this for all non-standard accessories including (but not limited to) snorkel, after market wheels and new sound system. Remember to keep a record of your purchases.
For your family member to have access to enquire or make changes to your car insurance policy you will either need to provide authority on the policy or add them as a policy holder. Please contact our staff on 131 846 to discuss who is listed on the policy and what is required to provide them with access to your policy.
Yes, if you already have an existing policy with TIO, we will continue to provide you with insurance for your motor vehicle if you move interstate. However, please remember to update your details by calling our contact centre on 131 846.
TIO can assist you in selecting a suitable repairer to repair the damage to your vehicle. You also have the right to choose your own repairer5. In both instances we will work closely with the repairer to strive to achieve the best repair outcome for you however we may require a second quotation from a repairer chosen by us.5
Talk to a local
Our contact centre and claims teams live and work in the Territory, so we know Territory conditions.
We cover the conditions
With our comprehensive cover, you’ll be covered for damage caused by storms, cyclones2, hail, storm surge and flood2. Plus you can add excess free windscreen cover.3.
Trusted since 1979
TIO was established in 1979 to provide Territorians with insurance options that are right for them. We are as committed and passionate about the Northern Territory as you are.

*Conditions apply

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. 72 hour waiting period for loss or damage occurring from cyclones, flood or bush fires

To manage the risk of people taking out insurance on their uninsured vehicle when events such as cyclones, floods or bushfires are predicted, a 72 hour waiting period applies to some insured events. This means if you arrange new insurance you will not have cover for these events until 72 hours after purchase of your policy.

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:

  1. To one replacement claim plus two repair claims in any one period of insurance; and
  2. If the broken windscreen or window glass is the only damage to your vehicle.

3. Named driver discount

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

In certain circumstances we may agree with you to use a different repairer than the one that you selected or pay you the reasonable repair costs. We will act reasonably in doing so.

6. Rental car

If we have accepted your claim, we will arrange for you to be provided with a rental car for up to 30 days. The daily rental charge we will pay is up to $100. We will extend your rental car or daily travel allowance period to the extent that we caused or contributed to the delay in repairing your vehicle.

7. 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:

  • Age Excess: drivers under the age of 25 listed on the policy schedule - $600, driver under the age of 25 not listed on your policy schedule - $1,800
  • Unnamed driver excess: If you choose to reduce your premium by selecting the Named Driver option, an unnamed driver excess of $2,500 will apply (this replaces all other excesses)
    Other restrictions and excesses may apply. Please refer to the Product Disclosure Statement (PDS) and Premium, Excess, Discount and Options Guide (PED) for more details.