Bank of Queensland Comprehensive Car Insurance

Discounts and excesses

• Monthly premiums available

• Choice of excess

  $100 - $2,000

• Young driver excess imposed

  Depending on state between $300 and $700 for listed drivers under 25, $1,500 for unlisted drivers under 25, $400 for inexperienced drivers over 25.

• Maximum no claim discount table

  Not Published

• Maximum no claim discount term

  4 years

• Online discount

  n/a

• Multi policy discount

  n/a

• No claim discount

  Must be over 25, be on maximum NCD with us for 3 years, plus not have incurred any penalty claims for the previous 3 years.

• Discounts available

  Loyalty bonus 5% with various conditions

Service features

• Roadside assistance

• Choice of repairer

• Claims service 24 7

• Other benefits

  n/a

• Other restrictions

  n/a

Coverage summary

• Agreed or market value

  Agreed or Market

• New car if written off

  - within 2 years of original registration

• Personal property cover

  Up to $750 if damaged or stolen.

• Windscreen cover

  Yes - standard excess. Option to reduce excess for first windscreen claim each year to $0 for an additional premium.

• Emergency repairs without assessment

  Up to $500

• Emergency options

  Reasonable towing costs. Up to $500 travel and accommodation costs if greater than 100 km from home.

• Rental car after theft

  - Up to 14 days, max $100 per day.

• Rental car after accident

  Not at fault - Yes. At fault - Optional Extra. Not at fault - Up to 14 days, max $100 per day. At fault - Up to 14 days, max $80 per day.

• Rental car liability

  Yes - legal liability cover, accidental loss and damage when using a substitute vehicle.

• Trailer or caravan cover

  Up to $1,500

• Replacement keys

  Up to $1,000 if stolen.

• Baby capsule or seats

  Up to $500

• Modifications

  Covered only if agreed in writing.

• Accidental death cover for driver

  $5,000 within 12 months of accident.

• Rideshare cover

  No