What is comprehensive car insurance?
Are you looking into car insurance but not sure what you’ll be covered for?
Learn more
Car Insurance Comparison
Compare the features and benefits of Comprehensive Motor Insurance and Third Party Property Damage Insurance with Heritage.
Compare Car Insurance Features
Comprehensive Motor Insurance is 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.
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.
Not sure which cover is for you? Use our car insurance comparison to compare features below and get a quick car insurance quote online.
Compare Car Insurance Features
This is a summary only. For information on what is covered and not covered and the standard terms, conditions, limits and exclusions of cover, please read the Product Disclosure Statement.
Rental car after theft of your vehicle
| Comprehensive | Yes. $100 per day limit, up to 30 days5 |
| Third Party Property Damage | No |
Reasonable cost of towing after a covered accident
| Comprehensive | Yes |
| Third Party Property Damage | No |
Trailer and caravan cover
| Comprehensive | Yes. $1,000 or market value of the trailer or caravan, 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 emergency accommodation & travelling expenses after a covered accident
| Comprehensive | Yes. Provided that your vehicle was more than 100km from where it is normally parked at night - up to $1,000 for any one incident. |
| 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 |
Get a quick car insurance quote online
Make a claim
Online, anytime
Do what you reasonably can to prevent any further loss, damage, or liability.
Tell the police as soon as reasonably possible about any malicious damage, theft, attempted theft, or burglary.
Start your Motor Insurance claim online 24/7.
Complete the secure online claim form, and a friendly claims representative will contact you as soon as possible to discuss the next steps.
Alternatively, you can contact the Claims Call Centre on 13 10 13 to submit your claim.
The claims consultant will help you through the motor insurance claims process.
Understanding your insurance premiums
When it's time to renew your insurance, you may find your premium has gone up and wonder why. Understanding your premium and the factors that affect the cost, can help make sure you're paying for cover that's right for you.
Note: You'll be redirected to an Allianz website.
These articles may help you
Securing your home and belongings from theft
Read our tips on securing your home and belongings from theft.
Learn more
We are here to help
Our specialists will help you find the right product and support you through every step of the purchase.
Or call 13 14 22 to speak to an expert
Are you an existing Heritage member?
This will determine how best we can help.