Cover Summary
Detailed Features Comparison
| Cover Item | Prestige | Classic |
|---|---|---|
| Cover for accidental loss & damage including theft | Yes | Yes |
| Cover for legal costs & expenses relating to a motor vehicle claim (where agreed in writing by Allianz) | Yes | Yes |
| Cover for vehicle being transported by ship | Yes | Yes |
| Emergency accommodation costs | Yes |
No |
| Emergency repairs | Yes reimbursement for up to $500 for emergency repairs following an accident or loss, if recovered damaged, to drive the vehicle home |
Yes reimbursement for up to $350 for emergency repairs following an accident or loss, if recovered damaged, to drive the vehicle home |
| Hire car for up to14 days if vehicle stolen | Yes up to $75 per day until the car has been recovered undamaged, or recovered damaged and the damage is repaired, to a maximum of 14 days. |
Yes up to $75 per day until the car has been recovered undamaged, or recovered damaged and the damage is repaired, to a maximum of 14 days. |
| Legal liability cover on a substitute vehicle | Yes | Yes |
| Market or Agreed Value cover available | Yes | Yes |
| Re-keying & re-coding of locks | Yes if the vehicle keys are stolen - up to $1,000 to have the keys replaced & locks re-coded. |
Yes if the vehicle keys are stolen - up to $500 to have the keys replaced & locks re-coded. |
| Personal effects and clothing | Yes up to $500 for personal items that are stolen from the locked vehicle or damaged in a collision |
Yes up to $500 for personal items that are stolen from the locked vehicle or damaged in a collision |
| Replacement new vehicle after a total loss | Yes New Vehicle replacement including Rego and CTP costs if vehicle is a total loss within the first 2 years of original registration and was purchased as new |
Yes New Vehicle replacement including Rego and CTP costs if vehicle is a total loss within the first 2 years of original registration and was purchased as new |
| Transferring no claim bonus | Yes current no claim bonus is transferred from previous insurer. |
Yes current no claim bonus is transferred from previous insurer. |
| Cover for damage to other people's property (legal liability) | Yes up to $20 million |
Yes up to $20 million |
| Towing costs | Yes reasonable costs of removal, protection and towing of the vehicle following an accident |
Yes reasonable costs of removal, protection and towing of the vehicle following an accident |
| Trailer / Caravan cover for damage or theft | Yes up to $1,000 for loss or damage whilst attached to the insured vehicle when a motor vehicle claim is lodged for the same event. |
Yes up to $500 for loss or damage whilst attached to the insured vehicle where a motor vehicle claim is lodged for the same event. |
| Transportation costs | Yes up to $400 to help you get home if the vehicle cannot be safely driven following an accident, malicious damage or if stolen and recovered damaged |
Yes up to $200 to help you get home if the vehicle cannot be safely driven following an accident, malicious damage or stolen and recovered damaged |
| Protected no claim bonus (rating 1 customers) | Optional if all drivers are 25 years or over, allows ONE claim (either at fault or where the responsible party cannot be identified) in any one period of insurance without the no claim bonus being affected. |
Optional if all drivers are 25 years or over, allows ONE claim (either at fault or where the responsible party cannot be identified) in any one period of insurance without the no claim bonus being affected. |
| Discount for excluding cover for drivers aged under 30 yrs | Optional reduced premium if you exclude drivers under the age of 30 years old. |
Optional reduced premium if you exclude drivers under the age of 30 years old. |
| Removal of basic excess for windscreen claims | Optional allows ONE windscreen claim to be lodged per policy period with no payment of excess or any affect on the no claim bonus |
Optional allows ONE windscreen claim to be lodged per policy period with no payment of excess or any affect on the no claim bonus |
| Rental car following an accident | Optional rental car provided up to $75 per day or if the vehicle is not available, a travel allowance of $30 a day. Period is up to when claim is settled or repairs are completed - maximum of 14 days. |
Optional rental car provided up to $75 per day or if the vehicle is not available, a travel allowance of $30 a day. Period is up to when claim is settled or repairs are completed - maximum of 14 days. |
This is a summary only. For full details of the conditions, limits and exclusions on all our cover options, please refer to the Product Disclosure Statement.
Classic Cover only available online. Please call on 1300 126 837 to obtain a quotation and purchase Prestige Cover.