What is comprehensive car insurance? 

What's involved in owning a car?

Owning a car can seem like a never-ending stream of paper-work and expensive bills. But if you better understand the processes and requirements behind owning a car, the whole process can become much more manageable.

What you need before you purchase comprehensive car insurance

Before you purchase comprehensive car insurance, you’ll need to ensure your vehicle is registered with the Queensland Government’s Department of Transport and Main Roads, and that you have also purchased compulsory third party (CTP) insurance. CTP is mandatory for all vehicles and is normally paid for as part of your vehicle’s registration costs. CTP provides you with cover for compensation claims made against you by people who have been injured in a car accident determined to be your fault.

Comprehensive car Insurance

Comprehensive car insurance is not compulsory, but it does provide you with cover if your vehicle is damaged in an accident or is stolen.

Comprehensive car insurance is the highest level of car insurance offered by us, and provides cover for 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.

What do you get if you purchase Comprehensive Motor Insurance through Heritage?

Purchasing comprehensive car insurance through Heritage will not only cover you for your legal liability to pay compensation for damage to other people’s property for up to $20 million, but will also provide you with cover for your legal liability cover when using a substitute vehicle.

Some other benefits if you purchase comprehensive car insurance through Heritage include a rental car following theft of your vehicle and cover for a trailer or caravan that is attached to your vehicle. Policy limits apply.

Make sure you consider insurance

While comprehensive car insurance is not compulsory, it may help to provide you with peace of mind. Be sure to check the car insurance options available through Heritage and consider the Product Disclosure Statement before making a decision.