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What is Comprehensive Car Insurance?

LA Insurance Comprehensive Car Insurance provides coverage for both damage to your vehicle and damage caused by your vehicle to other vehicles and property during an insured event.

This policy offers broader protection compared to Third Party Property Damage Insurance, which only covers damage to other people’s property. Additionally, it gives you the flexibility to enhance your coverage with optional extras tailored to your needs.

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What’s Covered

  • Accidental loss or damage from events such as hail, storm (including cyclone), flood, fire (including bushfire), theft, collision and impact
  • Option to choose your own repairer
  • Malicious damage or vandalism
  • $20 million legal liability
  • Towing and storage costs if your car isn’t safe to drive
  • Hire car after a not at fault incident

What’s covered

  • Accidental loss or damage from events such as hail, storm (including cyclone), flood, fire (including bushfire), theft, collision and impact
  • Option to choose your own repairer
  • Malicious damage or vandalism
  • $20 million legal liability
  • Towing and storage costs if your car isn’t safe to drive
  • Hire car after a not at fault incident

Your Optional Covers For Comprehensive Car Insurance

21 days of car hire after an event

Windscreen & window glass replacement

Roadside assistance

Market value cover

What Can You Control with LA Insurance Comprehensive Car Insurance?

Taking control of your policy ensures you’re prepared and protected. Here are key areas you can manage to get the most out of your comprehensive car insurance:

  • What it is: The amount you agree to pay out of pocket if you make a claim.
  • How you control it: You can select a higher or lower excess amount when setting up your policy.
  • Impact:
    • Higher excess: Lowers your premium but increases your out-of-pocket expenses in the event of a claim.
    • Lower excess: Reduces your upfront cost at claim time but increases your premium.

Tip: Choose an excess amount that fits your budget and risk tolerance.

  • What it is: Decide how often you pay your premium – annually, monthly, or quarterly.
  • How you control it: Select a payment plan that aligns with your cash flow.
  • Impact:
    • Annual payment: Often offers discounts or reduced fees compared to monthly payments.
    • Monthly or quarterly payments: Easier to manage for those preferring smaller, more frequent payments.

Tip: Review your financial situation to select the payment option that minimises costs without adding pressure.

  • What it is: The number of kilometres you drive annually can influence your premium.
  • How you control it: Provide an accurate estimate of your yearly driving habits.
  • Impact:
    • Lower kilometres: Some insurers may offer reduced premiums for drivers with limited mileage.
    • Higher kilometres: Might result in higher premiums as more time on the road increases risk.

Tip: Keep your insurer updated on changes to your driving habits, especially if you’re driving less than expected.

  • What it is: Optional covers provide additional benefits beyond standard coverage.
  • How you control it: Select or remove optional covers based on your individual needs.
  • Common Optional Covers:
    • Windscreen and glass replacement
    • Hire car coverage
    • Roadside assistance
  • Impact: Optional covers can enhance your protection but may increase your premium.

Tip: Regularly review and adjust your optional covers to ensure you’re not paying for services you don’t need.

  • What it is: If your vehicle is financed or leased, the lender may have specific insurance requirements.
  • How you control it: Ensure your policy complies with any financing terms, such as mandatory comprehensive coverage.
  • Impact: Having the right insurance protects both you and the lender’s interest in the vehicle.

Tip: Consider policy features that align with your financial plan, such as agreed value options or loan gap cover, to avoid surprises in the event of a total loss.