• restricting drivers by age
• increasing your excess
• installing a combined alarm and immobiliser to reduce the risk of car theft.

Comprehensive cover means you're fully protected against all manner of accidents, whether you or someone else is at fault. Your car is also protected should someone break in, steal it, vandalise it or set it alight.

The information above is a summary only. See our Product Disclosure Statement for all the detail plus the full terms & conditions.

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Third Party, Fire and Theft.

Third Party, Fire and Theft gives you protection against damage caused by your vehicle to another's property, plus cover should your car catch fire or if someone steals it. It's for cars valued at less than $10,000 and offers limited cover if your car is damaged by an uninsured vehicle and the accident is their fault.

Ready to go? Get an online quote.

Third Party Property.

Third Party Property cover gives you protection against damage that's been caused by your car to someone else's property, and limited cover if your car is damaged  by an uninsured vehicle and the accident is their fault.

Ready to go? Get an online quote.

• Lifetime guarantee on repairs for as long as you own the car.
• Rating 1 for life option (maximum no claim discount for life).
• No forms to fill in…ever, when you apply over the phone.
• The 21-day money back guarantee if you cancel your policy and haven't made a claim.

Terms and conditions apply to all benefits, and you can read all the details in our Product Disclosure Statement.

• carrying passengers or other people's goods for payment
• paid driving tuition
• hiring the car to other people.

• restrict drivers by age (which will reduce the premium)
• increasing your excess
• reduce your windscreen excess
• protect your maximum no claim discount.

If you’re a good driver and we have all the right information about you to evaluate your risk level effectively, you can also expect to pay lower premiums. (For all the detail, see our Product Disclosure Statement.)

When looking at risk, factors considered include the make and model of the car, the age of the driver/s, the driver's history, frequency of claims and where you live. (For example, not all insurers treat each suburb the same. In addition, where you park the car at night will often affect your premium.)

Auto & General’s underwriting is more comprehensive than most other car insurers, which allows them to offer very competitive rates to Australian drivers.

• your policy number
• police report number
• date, time and nature of the accident
• details about other cars and drivers involved (and the name of their insurance company).

If you've got Comprehensive cover, we'll have your car repaired so you can be back on the road as soon as possible. If your car's likely to be written off, we'll arrange for an inspection so we can process your claim as soon as possible.

We'll also handle the other driver's claim ASAP. If their insurers send any papers directly to you, please send them on to us so we can take care of it for you (that’s what we’re here for).

If you've got Third Party Property or Third Party, Fire and Theft, we'll sort out the other driver's claim but you won't be covered for any damage to your car.

If we decide the driver of the other car was entirely at fault, and you fully identify them, you won’t have to pay any excess and your no claims discount won’t be affected.

If you've got Third Party Property or Third Party Property, Fire & Theft you'll need to get in touch with the other driver's insurer to claim for any accident damage to your car, if they are uninsured call us on 1800 662 884.

It's up to you:

• For your convenience we can organise a repairer and manage the process on your behalf. We may request that your car be made available for inspection at a location nominated by us (possibly at one of Auto & General's assessment centres).
• Or you can choose your own repairer. Note that should our assessor consider the quote to be less than competitive or that the repairs may not be completed to a satisfactory standard, we reserve the right to authorise an alternative repairer chosen by us or to pay you the reasonable cost of a satisfactory repair.

If you have NCD protection with us for two consecutive claim-free years, you qualify for a Rating 1 for life. (Which means all car insurance claims have no impact on your NCD for as long as you have NCD protection).

You won’t lose any NCD on renewal following a window glass claim, or if the other car in a collision is entirely at fault and the driver is identified to us. For other claims, your NCD may be reduced at renewal.

• you hold a maximum five years no claim discount
• you haven’t had an at-fault claim in the past two years.

This protection will allow you to make one claim during the current period of insurance, or two claims in a three-year period without affecting your NCD.

• you're replacing or taking over a company car
• you can provide a letter from your employer stating how many years you‘ve been driving the company car without a claim.

(Your no claims discount will be based on the number of consecutive years you’ve been driving the car without a claim.)

We’ll give you a free NCD on your second car that matches the NCD on your other vehicle provided the following:

• Cover is restricted to drivers 25 and over
• Your car isn’t used for business use
• Your spouse/partner is listed on the policy