Comprehensive Car Insurance insures your vehicle for accidental loss or damage in events such as motor accidents, theft, vandalism and damage while parked. Comprehensive Car Insurance also covers your vehicle in weather events such as hail, storm, bushfire², cyclone², or flood². Plus, it covers your legal liability for loss or damage you cause to someone else’s car or property while driving your vehicle.

Third Party Property Damage Car Insurance insures you for damage you cause to someone else’s car or property while using your vehicle but doesn’t include cover for your vehicle.

To see which option is right for you, you can compare the different insurance cover types.

The cost of comprehensive and third party property damage car insurance is determined by a range of factors and each insurance company may calculate your premium differently. When calculating your car insurance premium, some of the factors we consider at TIO are:

• the type of cover you hold
• the age, driving experience and claims history of the person who drives the car most
• the year, make, and model of your car
• the location your car is parked

To know exactly how much your Car Insurance would cost, you can get a quote online for our Comprehensive Car Insurance and Third Party Property Damage Car Insurance.

If you have a claim, an excess is the dollar amount you contribute towards the cost of a claim. There are different types of excess which may apply to you or the driver of your vehicle at the time of the claim and sometimes you may have to pay more than one excess.

For Car Insurance you won't have to pay any excess if:

• the claim relates to damage that was the fault of a person other than the driver of your car, at the time of the incident
• you can provide us with the name and contact details of the other person or any other information that would reasonably allow us to identify the person
• the claimable loss is recoverable by us

To see which excess types apply to your policy, check your policy schedule under the heading “Excess applicable to claims” and refer to the product disclosure statement.

Good news, learner drivers are automatically covered and you don't need to inform us provided the instructing driver meets the policy criteria as set out in your schedule and PDS, as well as the criteria set out by your relevant State Roads Authority.

The additional 'Age Excess' and 'Un-named driver excess' does not apply when a learner driver is accompanied by the holder of a full unrestricted Australian drivers’ licence.

When your son/daughter receives their Probationary Licence, you may wish to consider listing them as a nominated Driver on your policy to reduce the 'Age Excess' payable at the time of a claim.

If your son/daughter is listed on the policy schedule at the time of a claim, you would pay a lower 'Age excess' in addition to Your Basic Excess. In the event that your son/daughter is involved in an accident in your vehicle and is not listed as a nominated driver on your insurance policy schedule, you may have to pay a higher 'Age excess' in addition to Your Basic Excess.

To nominate a driver on your policy, call our TIO contact centre team on 131 846.

All drivers must meet your policy criteria as set out in your schedule and PDS as well as the criteria set out by your relevant State Roads Authority. All excesses are displayed on your car insurance policy schedule.

To ensure they're covered in the event of a claim you need to let us know the details of all modifications you’ve made to your car and any non-standard accessories. Some examples of what you need tell us about (but not limited to) are: aftermarket wheels, towbar, snorkel, or a new sound system. Remember to keep a record of your purchases.

For your family member to have access to enquire or make changes to your car insurance policy, you'll either need to provide authority on the policy or add them as a policy holder.

Contact our staff on 131 846 to discuss who's listed on the policy and what is required to provide them with access to your policy.