Ray White Motor Insurance has a great range of features and benefits designed to suit customers with different needs. With a 24/7 online claims lodgement service, a monthly payment option7 and a choice between Comprehensive and Third Party Property Damage cover, Ray White Motor Insurance gives you the flexibility so you can choose to manage your car insurance in a way that suits you.
Comprehensive Insurance |
Third Party Property Damage |
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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 (PDS).
Comprehensive InsuranceGet a quote# |
Third Party Property DamageGet a quote# |
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| Key Benefits | ||
| Accidental loss of or damage to your vehicle | ||
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New for old replacement after a total loss will be for a vehicle of the same make, model, engine size, features and paint type if:
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| Legal liability cover is for loss or damage you cause to other people's cars or property and for supplementary bodily injury arising out of a single accident or a series of related events. | Up to $20 million |
Up to $20 million |
| Approved legal costs arising from a claim for liability covered by the policy | ||
| Emergency repair costs after an accident | Up to $500 for any one covered accident |
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| Rental car after theft of your vehicle | $100 per day limit, up to 30 days6 | |
| Towing after a covered incident | ||
| Temporary cover on replacement vehicle | Up to 14 days |
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| Trailer and caravan cover | $1,000 or market value, whichever is less |
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| Legal liability cover for a substitute vehicle | ||
| Cover for personal items in your vehicle | Up to $1,000 for any one incident |
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| Emergency accommodation and travel expenses after a covered accident, provided that your vehicle was more than 100 km from where it’s normally parked at night. | Up to $1,000 for any one incident |
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| Transportation costs if your vehicle can’t be safely driven home after a covered accident. | Up to $500 for any one incident |
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| Lock re-keying/re-coding if the keys to your vehicle are stolen | Up to $1,000 for any one incident |
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| Child seat or baby capsule replacement after an accident | Up to $500 for any one incident |
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| Rental car after an accident, where available6 | Optional cover (extra cost) $100 per day limit, up to 30 days |
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| Basic excess removal for windscreen claims If the broken windscreen is the only damage to your vehicle, you can get one replacement and two repairs in any period of insurance. |
Optional cover (extra cost) |
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| Cover for tools of trade | Optional cover (extra cost) Up to $3,000 for any one incident |
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| Named driver option | Optional excess |
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| Get a quote# | Get a quote# | |
Ray White Motor Insurance covers your vehicle, plus damage you cause to other people’s vehicles or property. Here’s a summary of the features and benefits, as well as optional covers you can add to your policy.
Comprehensive InsuranceGet a quote# |
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| Key Benefits | |
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Accidental loss of or damage to your vehicle
Cover includes theft, fire, flood and storm, including hail damage, subject to your policy’s terms and conditions, limits and excess. |
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New for old replacement of a new vehicle after a total loss If your new vehicle is stolen or written off, Allianz may replace it with one of the same make and model if the following conditions are met:
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Legal liability cover Covers your legal liability for loss or damage to other people’s property and for supplementary bodily injury – up to $20 million for any one event or series of related events. |
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Approved legal costs from a liability claim Covers legal costs, as approved by Allianz, from a claim that’s covered by your policy. |
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Emergency repair costs after a covered accident Allianz will reimburse the cost of necessary emergency repairs that enable you to drive your vehicle home after a covered accident – up to $500 for any one incident. |
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Rental car after theft of your vehicle If your vehicle has been stolen, Allianz will pay for a rental car – $100 per day, for up to 30 days.6 |
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Towing after a covered incident Allianz will pay the reasonable cost of protection, removal and towing of your vehicle after a covered accident to the nearest repairer, place of safety or any other place they agree to. |
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Temporary cover on a replacement vehicle Allianz will provide cover for your replacement vehicle for 14 days. |
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Trailer and caravan cover Allianz will pay up to $1,000, or the market value of your trailer or caravan, whichever is less. |
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Legal liability cover when using a substitute vehicle |
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Cover for personal items in your vehicle Allianz will pay up to $1,000 for any one incident. |
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Emergency accommodation costs Cover for reasonable emergency accommodation costs and travel expenses after a covered accident, provided that your vehicle was more than 100 km from where it’s usually parked at night – up to $1,000 for any one incident. |
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Transportation costs If your vehicle can’t be driven safely home after a covered accident, Allianz will pay up to $500 for any one incident for travel necessary to get you home. |
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Lock re-keying or re-coding if your vehicle’s keys are stolen Allianz will pay up to $1,000 for any one incident. |
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Replacing a child seat after a covered accident Cover for the replacement of a child seat or baby capsule in your vehicle at the time of a covered accident – up to $500 for any one incident. |
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| Optional Benefits | |
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Rental car after an accident, where available If you can’t use your vehicle following an accident, this optional benefit will pay $100 per day, up to 30 days for a rental car. This option will extend your rental car or daily travel allowance period if they caused or contributed to the delay in repairing your vehicle. |
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Basic excess removal for windscreen claims If the broken windscreen is the only damage to your vehicle, you can get one replacement and two repairs in any period of insurance. |
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Cover for tools of trade This optional benefit will pay up to $3,000 for any one incident. |
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Unnamed driver excess |
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| This is a summary only. For information on what’s covered and what’s not covered and the standard terms, conditions, limits and exclusions of cover, see the relevant Product Disclosure Statement (PDS). | |
| Ready to get started? | |
Third Party Property Damage Motor Insurance covers your legal liability for loss or damage to someone else’s property caused by a motor vehicle accident that’s partly or fully your fault.
Third party property damage coverGet a quote# |
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| Included benefits | |
| Legal liability cover for loss or damage to other people’s property and for supplementary bodily injury – up to $20 million | |
| Legal liability cover when using a substitute vehicle | |
| Approved legal costs from a legal liability claim that’s covered by the policy | |
| Uninsured Motorist Extension, covers for loss or damage to your vehicle arising from an accident caused by the driver of an uninsured vehicle – up to $5,000 for any one incident | |
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| Cover for accidental loss of or damage to your vehicle | |
| Fire and theft cover isn’t included. | |
| Compulsory Third Party (CTP) Insurance is a different type of insurance that’s not included | |
| This is a summary only. For information on what’s covered and what’s not covered and the standard terms, conditions, limits and exclusions of cover, see the relevant Product Disclosure Statement (PDS). | |
| Comprehensive or Third Party Property Damage Motor Insurance? | |
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Allianz Comprehensive Motor Insurance covers your vehicle, plus damage you cause to other people’s vehicles or property. If you’re looking for cover for fire, theft, accidents, malicious damage and legal liability, you might like to consider Comprehensive Motor Insurance. Allianz Third Party Property Damage Motor Insurance doesn’t cover your vehicle. It covers your legal liability if you destroy or damage someone else’s vehicle or property during a motor vehicle accident that’s partly or fully your fault. |
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To lodge a car insurance claim:
A convenient way to lodge a car insurance claim is via the online claim form.
All you need to do is complete the online claim form and a friendly claims consultant will contact you as soon as possible.
You can also call 13 10 13 and a consultant will help you commence the claims process.
#By proceeding with a quote you agree to receive our Financial Services Guide from this website.
Concierge Group Holdings Pty Ltd ABN 95 105 230 046 AR 267687 trading as Ray White Concierge and Ray White Insurance arranges this insurance as an agent for the insurer Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL No 234708. We do not provide any advice based on any consideration of your objectives, financial situation or needs. Terms, conditions, limits and exclusions apply. Before making a decision, please consider the Product Disclosure Statement available from https://raywhiteinsurance.com.au. The relevant Target Market Determination is available by calling 1300 658 390. If you purchase this insurance, we will receive a commission that is a percentage of the premium. Ask us for more details before we provide you with services.
The Financial Services Guide - Ray White Insurance can be viewed here.
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Minimum premiums may apply. Any discounts / entitlements may be subject to rounding and only apply to the extent any minimum premium is not reached. If you are eligible for more than one, we also apply each of them in a predetermined order to the premium (excluding taxes and government charges) as reduced by any prior applied discounts / entitlements. Discounts may not be applied to the premium for optional covers.
2. Up to 10% discount on your first year's premium when you quote and buy a new comprehensive car insurance policy.
The online discount applies when you quote and buy a new Comprehensive Motor Insurance policy online. Any online discounts offered are applied to Allianz's standard rates, excluding optional covers, and are for the first year's premium only, unless otherwise stated. Promotional or other discounts may apply from time to time for customers who apply for insurance using other methods.
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Safe Driver Discount applies to Comprehensive Motor Insurance policies only. Any discount entitlement is determined by the insurance history and driving history of all drivers on the policy and the number of claims made by them. If eligible, the maximum Safe Driver Discount that may be applied on new policies is up to 10%. For more
information see our PED guide.
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Offer valid for new Ray White Insurance Motor Insurance Policies. 12 months roadside assistance membership is provided by AWP Australia Pty Ltd ABN 52 097 227 177, trading as Allianz Global Assistance. Terms, conditions, exclusions and limitations apply to the offer and the 12 month standard roadside assistance membership, which are available at allianzfi.agaassistance.com.au.
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In certain circumstances we may agree with you to use another repairer than the one that you selected. We will act reasonably in doing so.
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We will extend your rental car or daily travel allowance period to the extent that we caused or contributed to the delay in repairing your vehicle.
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Premiums payable by instalments may be subject to minor adjustments (upwards or downwards) due to rounding and financial institution transaction fees may apply.