What is the difference between third party and comprehensive insurance

For a seamless experience, please enable the option to run JavaScript on this device. This is often followed up with what is the right option for me?

The answer really depends on your situation but we wanted to answer some of your most common questions so you can make the choice that is right for you as well as show you the benefits associated with each type of policy. The below details are a summary of your full benefits. For full details of each benefit and it's exclusions as well as our general exclusions please refer to your Policy Booklet and Schedule. Accidental Damage. New Car Replacement. Car Hire Cover - Up to 7 Days. Fire Brigade Charges.

Damage to Third Party Property. Personal Belongings. Replacement Locks. Breakdown Rescue. Unlimited Windscreen Cover. Fire, Theft Or Attempted Theft. See full Terms and Conditions. Use of Suncorp Benefits is subject to the operator's privacy policy. See all articles. Website Feedback. We use cookies and other related technologies to improve and tailor your website experience. See our Cookie and Data Policy. This policy provides information about how GIO collects and uses data related to your online activity, and how you can choose to remain anonymous.

Any advice has been prepared without taking into account your particular objectives, financial situation or needs, so you should consider whether it is appropriate for you before acting on it.

Please read the relevant Product Disclosure Statement before you make any decision regarding this product. The Target Market Determination is also available. What is the difference between comprehensive and third party insurance?

Comprehensive Car Insurance Wide range of cover for:. Your car Theft and fire extra cover available Hail and storms including cyclones.

Damage to your car is not covered by third party car insurance. Nor does it cover theft of your car. Example 1: Keith is reversing out of a parking space. There are several vehicles parked around him. He misjudges the distance between his car and the one directly behind him, and backs into it. The other car suffers broken headlights and a dent to the bumper. His car is also damaged; its tail lights have been smashed and the rear dented. Since he only has third party coverage, Mike cannot make an insurance claim.

All he can do is report the theft to the guards and hope his car turns up. Comprehensive car insurance covers you for accidental damage caused by you or others. It can also cover expenses arising from legal action brought against you following a road accident. Damage by fire or theft, vandalism, windscreen repair or replacement cover, and car stereo theft are also covered.

Example: Ally is about to leave the house to drive to work. A storm has been raging all night, but finally the winds have died down. Outside, she is stunned to discover that her car has been crushed by a fallen tree.