Comprehensive car insurance is not compulsory. It is an optional car insurance that you can purchase through your choice of insurance provider for a premium that may be paid monthly or yearly.
It provides you with cover if your vehicle is damaged in an accident or is stolen, along with fire, theft, accident damage and malicious damage. It also provides cover for your legal liability for loss or damage to someone else’s property caused by a motor vehicle accident which is partly or fully your fault.
Optional policy extras may include excess free windscreen cover or hire car in the event of an accident. These optional extras will be different between insurance providers, so it's important to read the PDS before selecting the cover.
Before you purchase comprehensive car insurance, you’ll need to ensure that:
It also pays to consider the value of your car and whether you have any additional accessories or after market modifications that you will need to disclose to your insurer.
If you'd like the convenience of Banking and Insurance in the one place, you could consider purchasing Comprehensive Motor Insurance through Heritage. Visit our Comprehensive Motor Insurance product page to learn more and get a quick quote online. Remember it's important to consider the Product Disclosure Statement before you make a decision. Choose the product that is right for you.