Car Insurance

Heritage offers Comprehensive Motor Insurance with a great range of features and additional benefits designed to suit customers with different needs. 

Car Insurance Products
Comprehensive Car Insurance

The highest level of cover we offer for your vehicle, which provides cover for fire, theft, accidents and malicious damage. It also covers 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. 

  • Rental car for up to 30 days (maximum $100 per day) if your car is stolen
  • Save up to 10% on your first year's premium when you buy online1,3 
  • Safe driver discount for eligible drivers1,2
  • Choice of repairer
  • 24/7 claims lodgement service
  • You may be able to save on your premium when you select the Named Driver option and list all your drivers on the policy1
  • You may be able to increase your excess to reduce your premium1
  • Switch your insurance to Heritage and deal with the people you know

By proceeding to get a quote, you agree to receive our Financial Services Guide.

Third Party Property Damage Insurance

Third Party Property Damage Insurance covers 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.

  • Legal liability - $20,000,000 any one event or series of events
  • 24/7 claims lodgement service
  • Covers any person who is driving or in charge of your vehicle with your permission

By proceeding to get a quote, you agree to receive our Financial Services Guide.

Compare Car Insurance Features

This is a summary only. For the standard terms, conditions, limits and exclusions of cover, please refer to the Product Disclosure Statement.

Rental car after theft of your vehicle

Comprehensive Yes. $100 per day limit for up to 30 days
Third Party Property Damage  No

Reasonable cost of towing after a covered accident

Comprehensive Yes
Third Party Property Damage No

Trailer and caravan

Comprehensive  Yes.
Up to $1,000 or market value of the caravan or trailer, whichever is the lesser.
Third Party Property Damage No

Cost of emergency repairs after a covered accident

Comprehensive  Yes. Up to $500 for any one incident.
Third Party Property Damage No

Cover for personal items in your vehicle

Comprehensive  Yes. Up to $1,000 for any one incident.
Third Party Property Damage No

Cover for transportation costs if your vehicle cannot be safely driven home after a covered accident

Comprehensive  Yes. Up to $500 for any one incident.
Third Party Property Damage No

Lock re-keying and re-coding, if the keys to your vehicle are stolen

Comprehensive  Yes. Up to $1,000 for any one incident.
Third Party Property Damage No

Cover for reasonable additional accommodation & travelling expenses after a covered accident

Comprehensive  Yes. Up to $1,000 for any one incident if more than 100km away from home.
Third Party Property Damage No

Legal liability cover

Cover for legal liability for loss or damage to other people's property and legal liability for supplementary bodily injury - up to $20 million for any one event or series of related events

Comprehensive Yes, up to $20,000,000
Third Party Property Damage Yes, up to $20,000,000

Legal liability cover when using a substitute vehicle

Comprehensive Yes
Third Party Property Damage Yes

Approved legal costs arising from a claim for liability covered by the policy

Comprehensive  Yes
Third Party Property Damage Yes
How To Claim

Claim online anytime

Car insurance claims can be made online at any time with the online claim form. Once lodged, a friendly claims consultant will contact you as soon as possible. 

Online claim forms are a secure way to make an insurance claim, with no phone queues and the ability to receive an immediate confirmation reference number.
 

Claim via phone anytime

Call the claims hotline on 1300 555 030 – 24 hours a day, 7 days a week.

For the standard terms, conditions, limits and exclusions of cover, please read the Motor Insurance Product Disclosure Statement.
These articles may help you

We are here to help

Our specialists will help you find the right product and support you through every step of the purchase.

Enquire now

Or call 13 14 22 to speak to an expert