Would your car insurance cover superhero damage?

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 haaaaave to sacrifice that poor bystander’s car?
If you’ve ever wondered what your ordinary life would be like if you were in a superhero movie, this is it. Figuring out if you could write off superhero battles on policy. Is it a bird? Is it a plane?
No, it’s car insurance.
What can you claim for car insurance?

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:
- Third Party damage insurance (middle tier)
- Comprehensive car insurance (top tier)
- Seniors car insurance
- Rideshare insurance
- Business and commercial insurance
Each policy will come with different inclusions and exclusions. Third Party damage 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 or having multiple drivers on one policy.
Whenever you’re comparing car insurance quotes, make sure you read through the terms and conditions so you know you’re receiving an adequate amount of coverage. That way, if you ever have to make a claim, you could receive the financial protection you need.
RELATED: Best car insurance policies for these 5 iconic movie characters
So where do superheroes come in with all this? Let’s consider a few different scenarios.
Scenario 1: Spider-man prangs your vehicle

Unfortunately one-off damages, 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.
(Can you imagine Commissioner Gordon chewing out the Dark Knight about insurance? We sure can!)
RELATED: 7 things not covered by comprehensive car insurance
Scenario 2: A literal act of God totals your vehicle

Here’s where it gets extremely tricky. When your car gets completely destroyed (“total loss” 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 uses it as a personal shield, or Thor hits it with lightning, you may not have the coverage 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 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). They then may place limits on the agreed upon market value of the original vehicle, though some approved claims will receive a new-for-old complete replacement.
So let’s say your car is decently new and you have adequate cover in place – but then Thor throws it at a supervillain. Will you get a replacement?
Again, it depends! Why did Thor throw your car? Generally ‘Acts of God’, or completely unpreventable, blameless, freak accidents of nature can receive cover depending on the policy.
For example, many comprehensive policies offer coverage for bushfire, flood, storm, and hail damage. So if the Space Viking crushed your car in a temper tantrum and you have pretty good evidence, you’re well placed to claim the damages.
But if he was fighting a destructive battle against aliens? Well, that’s another matter entirely.
Scenario 3: Aliens invade New York

And now we’ve reached the endgame. Unfortunately, world-ending disasters are a blanket no-go for insurance in general, 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 couldn’t be handled by the provider all at once.
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).
Looking for a heroic amount of car insurance? Browse a selection of policies below.
You can also check out some award-winning providers or read up on how to keep your premiums cheap.
Compare car insurance policies and get quotes - rates updated daily
Gold Comprehensive Car Insurance
- Monthly premiums
- Yes Costs Extra
- Choice of repairer
- Optional Extra
- Choice of excess
- $500 - $1,850
- Agreed or market value
- Agreed Or Market
Available discounts
- Online Discount Up To 15%
Gold Comprehensive Car Insurance
Get award winning Car Insurance. Save 15% ^ on your first year’s premium when you purchase a new policy online. Budget Direct offers tailor-made cover, new-for-old replacement, 24/7 claims, a highly-rated claims service, and get a hire car following a theft.
- New car if written off
- Yes - within 2 years or 40,000 kilometres of original registration, whichever comes first
- Rental car after theft
- Yes - Up to 14 days, max $1,000 total.
- Rental car after accident
- Not at fault - Yes. At fault - Optional Extra. Up to 14 days for at fault accidents.
- Windscreen cover
- Yes - standard excess. Option to reduce windscreen excess to $40 on every windscreen claim for an additional premium.
- Modifications
- Covered only if agreed in writing.
- Young driver excess imposed
- $600 for drivers under 21, $500 for drivers under 24, $600 for unlisted drivers, $500 for inexperienced drivers over 24.
- Roadside assistance
- Optional Extra
- Other benefits
- -
- Other restrictions
- -
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.
Read our Mozo Review to learn more about Budget Direct Gold Comprehensive Car Insurance
Comprehensive Car Insurance
- Monthly premiums
- Yes Costs Extra
- Choice of repairer
- No
- Choice of excess
- $800 - $2,000
- Agreed or market value
- Agreed
Available discounts
- No Claim Discount
Comprehensive Car Insurance
Stella have created a more intuitive experience and offer a product that’s been designed with women in mind; offering premium benefits, and optional extras and rewards for being a safe driver. Stella are backed by QBE. Purchase a new comprehensive car insurance policy from Stella by 31st July 2022 and receive a $100 EGift Card. To redeem enter STELLA100 at checkout. T&Cs apply.
- New car if written off
- Yes - within 3 years and 60,000 km of original registration
- Rental car after theft
- Yes - Up to 14 days.
- Rental car after accident
- Not at fault - yes. At fault - Optional Extra. Up to 14 days.
- Windscreen cover
- Yes - standard excess. Option to reduce windscreen excess to $0 on every windscreen claim for an additional premium.
- Modifications
- Covered only if agreed in writing.
- Young driver excess imposed
- $600 for listed drivers under 25. $1,600 for unlisted drivers under 25
- Roadside assistance
- Optional Extra
- Other benefits
- Receive a $100 eGift card for new Comprehensive Car Insurance policies purchased from Stella by 31st July 2022. To redeem enter STELLA100 at checkout.
- Other restrictions
- -
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.
Read our Mozo Review to learn more about Stella Comprehensive Car Insurance
Comprehensive Car Insurance
- Monthly premiums
- Yes
- Choice of repairer
- No
- Choice of excess
- $800 Flat Excess Fee
- Agreed or market value
- Agreed
Available discounts
Comprehensive Car Insurance
Easier, better, smarter car insurance. Say g’day to ROLLiN'. They've taken the complicated out of car insurance and created a new route that's simple, u-turn free and keeps you in the driver’s seat. No cancellation fees, 24/7 online claims service and a policy that’s pay monthly. Buy now and boost your single car value under your policy by 15%. Excesses Apply.
- New car if written off
- Yes - within 15,000km of original registration
- Rental car after theft
- Yes - Up to 21 days, max $80 per day
- Rental car after accident
- Yes - Up to 21 days, max $80 per day
- Windscreen cover
- Yes - $0 windscreen excess
- Modifications
- Covered only if agreed in writing.
- Young driver excess imposed
- No additional excess for young drivers. $3,000 for unlisted drivers
- Roadside assistance
- No
- Other benefits
- Optional benefit to boost the Single Car Value by 15%, it will be shown on your Insurance Certificate
- Other restrictions
- -
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.
Read our Mozo Review to learn more about ROLLiN' Comprehensive Car Insurance
Comprehensive Car Insurance
- Monthly premiums
- Yes Costs Extra
- Choice of repairer
- Optional Extra
- Choice of excess
- $400 - $2,500
- Agreed or market value
- Agreed Or Market
Available discounts
- 20% Discount On Contents Insurance If Youi Car Insurance Also Held
Comprehensive Car Insurance
When change happens to you, like a new or used car, think Youi - a car insurer that’s all about you and where your life’s at right now. Start a quote with Youi today to see what you could save. Mozo People’s Choice Most Recommended Car Insurance award winner in 2021^.
- New car if written off
- Yes - within 2 years and a listed driver is the first registered owner
- Rental car after theft
- Yes - Up to 14 days.
- Rental car after accident
- Not at fault - Yes. At fault - Optional Extra. Up to 14 days.
- Windscreen cover
- Yes - standard excess. Option to reduce windscreen excess for an additional premium.
- Modifications
- Covered only if agreed in writing.
- Young driver excess imposed
- Yes for drivers under 25 years old - amount varies per policy
- Roadside assistance
- Yes
- Other benefits
- -
- Other restrictions
- -
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.
Read our Mozo Review to learn more about Youi Comprehensive Car Insurance
Comprehensive Car Insurance
- Monthly premiums
- Yes Costs Extra
- Choice of repairer
- No
- Choice of excess
- $500 - $5,000
- Agreed or market value
- Agreed Or Market
Available discounts
- Online Discount 10%
- Up To 15% Promotional Discount Consisting Of: 5% First Year Discount, 5% For Online Applicants, 5% Discount If You Exclude Drivers Under 25
- Drive Less Pay Less Option To Reduce Premiums For Limited Kilometres.
Comprehensive Car Insurance
Take advantage of Woolworth's Price Beat on any comparable Comprehensive renewal notice if you're over 25. Buy online and you could save up to 15% on your premium. Features Drive Less, Pay Less to reduce premiums. Get a quote today. Winner in Exceptional Value Car Insurance Award 2020.
- New car if written off
- Yes - within 2 years of original registration
- Rental car after theft
- Yes - Up to 14 days, max $50 per day.
- Rental car after accident
- Optional Extra. Up to 14 days, max $50 per day.
- Windscreen cover
- Yes - standard excess. Option to reduce excess for first front windscreen claim each year to $0 for an additional premium.
- Modifications
- Covered only if agreed in writing.
- Young driver excess imposed
- $1,200 for listed drivers under 21, $800 for listed drivers between 21 and 25, $2,000 for unlisted drivers under 21, $1,600 for unlisted drivers between 21 and 25, $800 for inexperienced drivers over 25, $800 for learner drivers.
- Roadside assistance
- Optional Service - $88 a year with a new Car Insurance policy
- Other benefits
- 10% off grocery shop once a month, up to $500, conditions apply.
- Other restrictions
- -
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.
Read our Mozo Review to learn more about Woolworths Comprehensive Car Insurance
* 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.
^See information about the Mozo Experts Choice Car Insurance Awards