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.

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Existing customers:

Comprehensive Car Insurance

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. Driver and usage exclusions apply7.

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, 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'll 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'll replace any child seat or baby capsule in your vehicle up to the value of $500 in any one incident.
Emergency repairs
We'll 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'll 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's normally parked at night.
Lock re-keying / re-coding
We'll 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'll 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've accepted your claim for theft of your vehicle we'll arrange for you to be provided with a rental car for up to 30 days.6 The daily rental charge we'll pay is up to $100.
Towing
We'll 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'll 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 can't be safely driven home after a covered accident we'll reimburse you up to $500 for you to get home and to collect your vehicle once it is repaired.
Legal liability
We'll 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
Where we agree in writing, we'll 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'll pay for the cost of a rental car following an accident for up to 30 days.8 The daily rental charge we'll pay is up to $100.
Optional Benefit
Removal of basic excess for windscreen claims3
We'll 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'll cover up to $3,000 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 benefit
Named driver option1,4
Reduce your premium by listing all drivers on your 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.
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This is a summary only of some of the features available on these Car Insurance policies. Before making a decision on this insurance, 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, 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

Insuring your car

Comprehensive Car Insurance insures your vehicle for accidental loss or damage in events such as:

  • vehicle collision or accident
  • damage while your car is parked
  • theft
  • vandalism
  • hail
  • storm
  • cyclone2
  • bushfire2
  • flood2

Plus, it covers your legal liability for loss or damage you cause to someone else’s car or property while driving your vehicle.

View the PDS for more information, or visit car insurance to learn more about the different types of car insurance we offer.

The cost of Comprehensive Car Insurance is determined by a range of factors and each insurance company may calculate your premium differently.

When calculating your car insurance premium, some of the factors we consider at TIO are:

  • the type of cover you hold
  • the age, driving experience, and claims history of the person who drives the car most
  • the year, make, and model of your car
  • the location your car is parked

To find out exactly how much your Car Insurance would cost, you can get a quote online for our Comprehensive Car Insurance or Third Party Property Damage Car Insurance.

If you have a claim, an excess is the dollar amount you contribute towards the cost of a claim. There are different types of excess which may apply to you or the driver of your vehicle at the time of the claim and sometimes you may have to pay more than one excess.

For Car Insurance you won't have to pay any excess if:

  • the claim relates to damage, that was the fault of a person other than the driver of your car, at the time of the incident
  • you can provide us with the name and contact details of the other person or any other information that would reasonably allow us to identify the person
  • the claimable loss is recoverable by us

To see which excess types apply to your policy, check your policy schedule under the heading “Excess applicable to claims” and refer to the product disclosure statement.

Managing your Car Insurance

To ensure they're covered in the event of a claim, you need to let us know the details of all modifications you’ve made to your car and any non-standard accessories. Some examples of what you need tell us about (but not limited to) are: aftermarket wheels, towbar, snorkel, or a new sound system. Remember to keep a record of your purchases.
Yes, if you already have an existing policy with TIO, we'll continue to provide you with insurance for your motor vehicle if you move interstate. However, 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'll 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

Good news, learner drivers are automatically covered and you don't need to inform us provided the instructing driver meets the policy criteria as set out in your schedule and PDS, as well as the criteria set out by your relevant State Roads Authority.

The additional ‘Age Excess’ and ‘Un-named driver excess' does not apply when a learner driver is accompanied by the holder of a full unrestricted Australian drivers’ licence.

When your son/daughter receives their Probationary Licence, you may wish to consider listing them as a nominated Driver on your policy to reduce the “Age Excess” payable at the time of a claim.

If your son/daughter is listed on the policy schedule at the time of a claim, you would pay a lower “Age excess” in addition to Your Basic Excess. In the event that your son/daughter is involved in an accident in your vehicle and is not listed as a nominated driver on your insurance policy schedule, you may have to pay a higher “Age excess” in addition to Your Basic Excess.

To nominate a driver on your policy, call our TIO contact centre team on 131 846.

All drivers must meet your policy criteria as set out in your schedule and PDS as well as the criteria set out by your relevant State Roads Authority. All excesses are displayed on your car insurance policy schedule.

For your family member to have access to enquire or make changes to your car insurance policy, you'll either need to provide authority on the policy or add them as a policy holder.

Contact our staff on 131 846 to discuss who's listed on the policy and what's required to provide them with access to your policy.

We understand the unique conditions faced in the Territory

TIO is based in Darwin and our strength lies in our solid understanding of the conditions faced within the Territory year after year.

Find out more


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 a range of insurance options to choose from. We're 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.

4. 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 after theft of your vehicle

We'll arrange a rental car where we have accepted your claim for the theft of your vehicle. You'll get the rental car for as long as it takes to recover your vehicle undamaged, recover your vehicle and repair any damage, settle your claim by paying you the agreed or market value, or for a maximum of 30 days, whichever happens first. The maximum daily rental charge we will pay is $100.

If a rental car is not available, we will pay you a travel allowance of $50 a day for as long as we would have given you a rental car. See the PDS for more details.

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, policy exclusions and excesses may apply. Please refer to the Product Disclosure Statement (PDS) and Premium, Excess, Discount and Options Guide (PED) for more details.

8. Rental car following an accident

Where you have taken this optional cover, we'll arrange a rental car where we have accepted your claim for accidental damage to your vehicle. You'll get the rental car for as long as it takes to complete the repairs, settle your claim by paying you the agreed or market value or for a maximum 30 days, whichever happens first. The maximum daily rental charge we will pay is $100.

If a rental car is not available, we will pay you a travel allowance of $50 a day for as long as we would have given you a rental car. See the PDS for more details.

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