TIO Comprehensive Car Insurance

Discounts and excesses

• Monthly premiums available

  costs extra

• Choice of excess

  $500 - $2,000

• Young driver excess imposed

  $600 for listed drivers under 25, $1,800 for unlisted drivers under 25.

• Maximum no claim discount table

  13% (NT)

• Maximum no claim discount term

  6 years

• Online discount

  Up to 10%

• Multi policy discount

  none

• No claim discount

  Protection of maximum no claim discount for 1 claim per period can be purchased with extra premium.

• Discounts available

  named driver discount, restricted driver discount,

Service features

• Roadside assistance

• Choice of repairer

• Claims service 24 7

• Other benefits

  none

• Other restrictions

  none

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 $1,000 if damaged or stolen.

• Windscreen cover

  Yes - standard excess. Option to reduce windscreen excess to $0 for an additional premium.

• Emergency repairs without assessment

  Up to $500

• Emergency options

  Reasonable towing costs. Up to $750 travel and accommodation costs.

• Rental car after theft

  - Up to 21 days, max $100 per day.

• Rental car after accident

  Optional Extra - Up to 21 days, max $100 per day.

• Rental car liability

  Yes - legal liability cover when using a substitute vehicle. $2,000 contribution towards excess or security bond when using a hire car after an event.

• Trailer or caravan cover

  Up to $1,000 excluding contents.

• 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

  Up to $25,000 within 90 days of accident.