Motor Insurance

Allianz Motor Insurance through Heritage covers your vehicle, plus damage you cause to other people's vehicles or property.

Here's a summary of the features and benefits, as well as optional covers you can add to your policy.

Included Benefits

• Accidental loss of or damage to your vehicle
  Cover includes theft, fire, flood and storm, including hail damage, subject to your policy's terms and conditions, limits and excess.
• New for old replacement of a new vehicle after a total loss
  If your new vehicle is stolen or written off, Allianz may replace it with one of the same make and model if the following conditions are met:
  -  Your vehicle is less than two years old from its first registration at the time it’s declared a total loss.
  -  You bought your new vehicle, or demonstrator model, from the manufacturer or their dealer.
  -  Where relevant, your financier has given their written consent.
  -  A new replacement vehicle of the same make and model is available in Australia.
• Legal liability cover
  Covers your legal liability for loss or damage to other people's property and for supplementary bodily injury - up to $20 million for any one event or series of related events.
• Approved legal costs from a liability claim
  Covers legal costs, as approved by Allianz, from a claim that's covered by your policy
• Emergency repair costs after a covered accident
  Allianz will reimburse the cost of necessary emergency repairs that enable you to drive your vehicle home after a covered accident - up to $500 for any one incident.
• Rental car after theft of your vehicle
  If your vehicle has been stolen, Allianz will pay for a rental car - $100 per day, for up to 30 days.⁴
• Towing after a covered incident
  Allianz will pay the reasonable cost of protection, removal and towing of your vehicle after a covered accident to the nearest repairer, place of safety or any other place they agree to.
• Temporary cover on a replacement vehicle
  Allianz will provide cover for your replacement vehicle for 14 days.
• Trailer and caravan cover
  Allianz will pay up to $1,000, or the market value of your trailer or caravan, whichever is less.
• Legal liability cover when using a substitute vehicle
• Cover for personal items in your vehicle
  Allianz will pay up to $1,000 for any one incident
• Emergency accommodation costs
  Cover for reasonable emergency accommodation costs and travel expenses after a covered accident, provided that your vehicle was more than 100 km from where it’s usually parked at night – up to $1,000 for any one incident.
• Transportation costs
  If your vehicle can’t be driven safely home after a covered accident, Allianz will pay up to $500 for any one incident for travel necessary to get you home.
• Lock re-keying or re-coding if your vehicles keys are stolen
  Allianz will pay up to $1,000 for any one incident.
• Replacing a child seat after a covered accident
  Cover for the replacement of a child seat or baby capsule in your vehicle at the time of a covered accident - up to $500 for any one incident.

Optional Benefits

• Rental car after an accident, where available
  If you can’t use your vehicle following an accident, this optional benefit will pay $100 per day, up to 30 days for a rental car. This option will extend your rental car or daily travel allowance period if they caused or contributed to the delay in repairing your vehicle.
• Basic excess removal for windscreen claims
  If the broken windscreen is the only damage to your vehicle, you can get one replacement and two repairs in any period of insurance.
• Cover for tools of trade
  This optional benefit will pay up to $3,000 for any one incident.

This is a summary only. For information on what’s covered and what’s not covered and the standard terms, conditions, limits, and exclusions of cover, see the relevant Product Disclosure Statement (PDS).

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