Comminsure Comprehensive Car Insurance

Discounts and excesses

• Monthly premiums available

  Yes

• Choice of excess

  $450 - $1,700

• Young driver excess imposed

  $550 for listed drivers under 25, $1,500 for unlisted drivers under 25, $500 for inexperienced drivers over 25.

• Maximum no claim discount table

  70% (NSW)
  70% (TAS)
  70% (SA)
  70% (ACT)
  70% (QLD)
  70% (NT)
  70% (WA)
  70% (VIC)

• Maximum no claim discount term

  6 years

• Online discount

  10%

• Multi policy discount

  n/a

• No claim discount

  Maximum no claim discount eligible after 6 years. NCD can be optionally protected if at Rating 1 or 1A.

• Discounts available

  n/a

Service features

• Roadside assistance

  No

• Choice of repairer

  Yes

• Claims service 24 7

  Yes

• Other benefits

  n/a

• Other restrictions

  n/a

Coverage summary

• Agreed or market value

  Agreed or Market

• New car if written off

  Yes - within 2 years of original registration

• Personal property cover

  Up to $500 if damaged or stolen. Up to $1,000 for mobility devices and disability aids.

• 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 $800

• Emergency options

  Reasonable towing costs. Up to $600 travel costs if greater than 200 km from home. Up to $500 accommodation costs.

• Rental car after theft

  Yes - Up to 14 days, max $75 per day.

• Rental car after accident

  Not at fault - Optional Extra. At fault - Optional Extra. Up to 14 days, max $75 per day.

• Rental car liability

  Yes - legal liability cover when using a substitute vehicle.

• Trailer or caravan cover

  Up to $1,000.

• Replacement keys

  Up to $2,000 if stolen.

• Baby capsule or seats

  Up to $500

• Modifications

  Covered only if agreed in writing.

• Accidental death cover for driver

  $10,000 within 12 months of accident.

• Rideshare cover

  No