Would your car insurance cover superhero damage?

A superheroine holds aloft a red car. Comic book style illustration.

Saving the world requires sacrifices, for sure. And let’s face it: maximum damage in comic book movies is fun to watch. But did Superman have to sacrifice that poor bystander’s car?

If you’ve ever wondered what your life would be like if you lived in a superhero movie, this is it.

Is it a bird? Is it a plane?

No, it’s car insurance.

What can you claim for car insurance?

A comic book POW on a red background.

Car insurance coverage depends a lot on your provider and policy, with different tiers offering different levels of cover. 

In Australia, the minimum level of coverage is usually Compulsory Third-Party insurance (depending on where you live), which covers physical injury done to you or others when you’re at fault in a car accident. 

But this is only the bare minimum. Other types of car insurance include:

Each policy will come with different inclusions and exclusions. CTP insurance is the middle ground, while comprehensive car insurance tends to offer the most coverage for the most incidents, with some tailoring available through optional extras such as natural disaster cover. 

Whenever you’re comparing car insurance quotes, always read through the terms and conditions in the product disclosure statement. This way, you know the ins and outs of your coverage, and come claim time, you won't be caught out with sneaky fine print.

So where do superheroes come in with all this? Let’s consider a few different scenarios.

Scenario 1: Spider-man prangs your vehicle

Peter Parker limps away, thinking,
Source: Sony Pictures, Spider-man 2 (2004).

Unfortunately, one-offs like parking lot dings or cracked windshields are the most common kind of damage. While bare minimum coverage like CTP usually won’t cover these incidents, comprehensive usually will.

Same as if someone backs into you (or worse, does a hit and run), if Spider-man lands atop your car while rediscovering his powers, or if Batman zooms by on his bat-bike and polishes off your sideview mirror, most comprehensive policies should have you sorted, depending on your inclusions and extras.

Otherwise, you may have to legally track the culprit down and involve the police. Good luck telling Batman he owes you $1,000 for a new side mirror!

Scenario 2: A literal act of God totals your car

Scarlet Witch telekinetically brings down a car on top of Iron Man.
Source: Marvel Studios, Captain America: Civil War (2016).

Here’s where it gets extremely tricky. When your car gets completely destroyed (“total loss” or "write off" in insurance lingo), your cover will highly depend on the circumstances and what’s included in your product disclosure statement (PDS).

So if Dr. Strange or Iron Man use your car as a personal shield, or Thor strikes it with lightning, you may not have the insurance protection you think.

Firstly, to be eligible for replacement or any kind of reimbursement for total loss, you will need to have a comprehensive policy in place. Depending on the policy and provider, you may also want to make sure you have certain optional extras, like accident rental car hire, to make the transition period easier.

Secondly, providers generally only offer new-for-old replacements if your car was bought new and has only been driven for a certain period of time or under a certain distance limit (e.g. under two years or under 5,000km, whichever comes first).

Even then, your provider may place limits on the agreed upon market value of the original vehicle, so good luck if the price of your vehicle has been driven up by inflation. 

However, let’s say your car is decently new and you have adequate cover in place. If Shazam throws it off a bridge, will you get a replacement?

It still depends. Why did Shazam throw your car? The destruction usually will need to fall under ‘Acts of God’, which are completely unpreventable, blameless, freak accidents of nature. These are usually included in most comprehensive car insurance policies. 

Other acts of God include bushfires, floods, storms, and hail damage. So if a literal god crushes your car on accident and you have evidence to support your claim, you could be well placed to get a pay out.

But if said god was fighting a destructive battle against aliens? Well, that’s another matter entirely.

Scenario 3: Aliens invade New York

The OG 2012 Avengers gaze up at the sky, destruction all around them.
Source: Marvel Studios, Avengers (2012).

Alas, world-ending disasters are a blanket no-go for insurance, so if your car gets crushed by Thanos or blown into space by yet another sky-beam, you’re out of luck.

This is because the sheer volume and expenses of all the claims at once couldn’t be handled by any insurance provider.  

Other unclaimable events include:

  • War
  • Invasion
  • Acts of foreign enemies
  • Civil war (sorry, Captain America)
  • Revolution
  • Riots
  • Insurrections
  • Military coups
  • Nuclear apocalypse.

While it’s a bummer to contemplate, at least we can be grateful superheroes will always save the world. (Just not our cars).

How do insurance providers choose what to cover?

What goes into an insurance policy is at the discretion of the provider, but generally, providers want to offer inclusions that will be valuable to customers without eating into the insurance's risk and profit. 

For example, when the COVID-19 pandemic first began taking off, a lot of travel insurance providers wouldn't reimburse medical or cancellation costs for ill travellers because it was such an unknown, expensive, and risky new thing at the time. Providers couldn't guarantee they'd make their money back, and no one was travelling at the time.

However, now that borders have reopened and travel has resumed, providers have begun offering COVID-19 inclusions in their policies because it's the sort of coverage customers need, and therefore will pay for. 

Because of this line of thought, it's reasonable to assume that if we lived in a world where superheroes regularly wreaked havoc, insurance providers may write specific benefits and inclusions to compensate customers caught in the middle. After all, insurance is more about value than price. 

Looking for a heroic amount of car insurance? Browse policies below. 

You can also check out some award-winning providers or read up on how to keep your premiums cheap.

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Last updated 14 July 2024Advertiser disclosure
Important information on terms, conditions and sub-limits.
  • Comprehensive Car Insurance

    Monthly premiums
    Calendar icon
    Yes Costs Extra
    Choice of repairer
    tools icon
    Optional Extra
    Choice of excess
    coins icon
    $400 - $2,500
    Agreed or market value
    Car coin icon
    Agreed Or Market

    Available discounts

    • Comprehensive Car Insurance

      Monthly premiums
      Calendar icon
      Yes
      Choice of repairer
      tools icon
      No
      Choice of excess
      coins icon
      $800 Flat Excess Fee
      Agreed or market value
      Car coin icon
      Agreed Or Market

      Available discounts

        Details
      • Gold Comprehensive Car Insurance

        Monthly premiums
        Calendar icon
        Yes Costs Extra
        Choice of repairer
        tools icon
        Optional Extra
        Choice of excess
        coins icon
        $550 - $1,900 (varies By State)
        Agreed or market value
        Car coin icon
        Agreed Or Market

        Available discounts

        • No Claim Discount
        • Online Discount Up To 15%
        Details
      • Comprehensive Car Insurance

        Monthly premiums
        Calendar icon
        Yes Costs Extra
        Choice of repairer
        tools icon
        Optional Extra
        Choice of excess
        coins icon
        $500 - $2,200
        Agreed or market value
        Car coin icon
        Agreed Or Market

        Available discounts

        • Online Discount $75
        Details
      • Seniors Car Insurance

        Monthly premiums
        Calendar icon
        No
        Choice of repairer
        tools icon
        No
        Choice of excess
        coins icon
        $500 - $2,500 (varies By State)
        Agreed or market value
        Car coin icon
        Agreed

        Available discounts

        • Price Beat Offer Available For Eligible Drivers Over 50 Years Old Switching From A Comparable Policy With The Code ‘SENIORS’. T&Cs Apply.

      * Terms, conditions, exclusions, limits and sub-limits may apply to any of the insurance products shown on the Mozo website. These terms, conditions, exclusions, limits and sub-limits could affect the level of benefits and cover available under any of the insurance products shown on the Mozo website. Please refer to the relevant Product Disclosure Statement and the Target Market Determination on the provider's website for further information before making any decisions about an insurance product.

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