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
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Online, anytime

A convenient way to lodge a car insurance claim is via the online claim form. You can commence submitting your car insurance claim notification 24 hours a day, 7 days a week.

All you need to do is complete the online claim form. Once it is lodged, a friendly claims consultant will contact you as soon as possible.

  • Secure form
  • No phone queues
  • Immediate confirmation number for your reference

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.

Find out more.

Note: You'll be redirected to an Allianz website.

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What is comprehensive car insurance?

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5 ways to keep your home safe

Help keep your home and family safe with these 5 tips.
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Our specialists will help you find the right product and support you through every step of the purchase.

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