Motor Insurance

Car insurance Car insurance

Motor Insurance provides you with a great range of features as well as optional benefits so that you can tailor you cover to suit your needs.

 

Plus, when you buy a new Allianz Motor Insurance policy through QRI Lifestyle, you’ll receive Roadside Assistance for the first 12 months Australia-wide, 24 hours a day, 7 days a week.

Our Comprehensive Motor Insurance offers:

  • Up to 60% no claim bonus 1,3
  • Increase your excess to reduce your premium 1
  • Safe driver discount for eligible drivers1,4 in addition to the no claim bonus.

Choice of car insurance products

3

Comprehensive Car Insurance (Classic or Prestige)

Our highest level of cover for your vehicle which includes cover against fire, theft, accidents and malicious damage. It also covers your legal liability to pay compensation for loss or damage to someone else's property caused by a motor vehicle accident which is partly or fully your fault.

1

Third Party Property Damage Fire & Theft

Provides cover against accidental loss of or damage to your vehicle caused by fire or theft. It also covers your legal liability to pay compensation for loss or damage to someone else's property caused by a motor vehicle accident which is partly or fully your fault.

2

Third Party Property Damage

Covers your legal liability to pay compensation for loss or damage to someone else's property caused by a motor vehicle accident which is partly or fully your fault.

Comprehensive car insurance comparison table

  Comprehensive Insurance Third Party Fire & Theft Third Party Property Damage
 
Key benefits
Cover for accidental loss of or damage to your vehicle caused by fire or theft
Cover for accidental loss of or damage to your vehicle (caused by events other than fire or theft)
New for old replacement of a new vehicle after a total loss, if you purchased your vehicle new from the manufacturer or dealer and your vehicle is less than 2 years old from its first registration at the time it is declared a total loss
Cover for legal liability to pay compensation 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
Legal costs
Accidental death benefit - $25,000 per period of insurance
Emergency repairs – up to $500 in respect of any one incident
Rental car after theft ($100 per day limit, up to 30 days)
Reasonable cost of towing ✔ (after a covered accident) ✔ (after fire or theft of your vehicle)
Temporary cover on replacement vehicle – 14 days
More benefits
Trailer and caravan cover - $1,000 or market value whichever is the lesser
Legal liability cover when using a substitute vehicle
Personal items – up to $1,000 for any one incident
Emergency accommodation and travelling expenses – up to $1,000 for of any one incident
Transportation costs – up to $500 for any one incident
Lock re-keying / re-coding – up to $1,000 for any one incident
Child seat / baby capsule cover – up to $500 for of any one incident
Optional cover
Protected No Claim Bonus - 1st claim per period of insurance
Rental car following accident - $100 per day limit, up to 30 days
Removal of basic excess for windscreen claims - 1 replacement and 2 repairs in any period of insurance
Optional excesses which you can select to decrease your premium
Restricted driver excess - $2,500 any one claim
Unnamed driver excess - $2,500 any one claim
 

This table is a guide only. For information on what is covered and what is not covered and any limits and excesses that apply, please refer to the Product Disclosure Statement and Policy Document.

Comprehensive insurance table

  Comprehensive insurance table
 
Key benefits  
Accidental loss of or damage to your vehicle
New for old replacement of a new vehicle after a total loss, if you purchased your vehicle new from the manufacturer or dealer and your vehicle is less than 2 years old from its first registration at the time it is declared a total loss
Cover for legal liability to pay compensation 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
Cover for damage to other people's property (legal liability) Up to $20,000,000
Accidental death benefit $25,000 in any one period of insurance
Legal costs
Emergency repairs up to $500
Rental car following theft $100 per day limit, up to 30 days
Temporary cover on replacement vehicle 14 days
Reasonable costs of towing after a covered accident
More benefits  
Trailer and caravan cover $1,000 or market value whichever is the lesser
Personal items Up to $1,000 for any one incident
Emergency accommodation and travelling expenses Up to $1,000 for any one incident
Transportation costs Up to $500 for any one incident
Legal liability cover when using a substitute vehicle Up to $1,000 for any one incident
Lock re-keying / re-coding
Child seat / baby capsule cover Up to $500 for any one incident
Optional cover  
Protected No Claim Bonus 1st claim per period of insurance
Rental car following accident $100 per day limit, up to 30 days
Removal of basic excess for windscreen claims 1 replacement and 2 repairs in any period of insurance
Tools of trade Up to $1,500 for any one incident
Optional excesses which you can select to decrease your premium  
Restricted driver excess $2,500 any one claim
Unnamed driver excess $2,500 any one claim
 

This table is a guide only. For information on what is covered and what is not covered and any limits and excesses that apply, please refer to the Product Disclosure Statement and Policy Document.

Third party insurance comparison table

Third Party Fire & Theft
Cover against accidental loss of or damage to your vehicle caused by fire or theft up to $5,000 for any one incident. It also covers the legal liability to pay compensation for loss of or damage to someone else's property caused by a motor vehicle accident which is partly or fully the fault of the insured.

Third Party Property Damage
Provides cover for legal liability to pay compensation for loss or damage to someone else's property caused by a motor vehicle accident which is partly or fully the fault of the insured.

  Third Party Fire & Theft Third Party Property Damage
 
Key benefits    
Accidental loss of or damage to your vehicle caused by fire or theft
Cover for legal liability to pay compensation 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
Legal costs
Rental car after theft ($100 per day limit, up to 30 days)
Reasonable costs of towing after fire or theft of your vehicle
Legal liability cover when using a substitute vehicle

This table is a guide only. For information on what is covered and what is not covered and any limits and excesses that apply, please refer to the Product Disclosure Statement and Policy Document.

How to claim

To make a car insurance claim online
Online, any time

The fastest, easiest way is via the online claim form. You can submit your car insurance claim notification 24 hours a day, 7 days a week, whenever it suits you.
All you need to do is complete the online claim form, and once we receive it, one of our friendly claims consultants will contact you as soon as possible.

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

Over the phone - 24 hours a day, 7 days a week claims hotline

Alternatively, you can call 1300 555 013 and a friendly consultant will take you through the claims process.

Disclaimer

Queensland Railways Institute Inc ABN 40 342 992 636, AR 261 280 arranges this insurance as 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 Allianz. 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.

1Minimum 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.
2The online discount applies to new comprehensive motor insurance policies. Applies to the first year’s premium only (unless stated otherwise). Promotional or other discounts may apply from time to time for customers who apply for insurance via other methods.
3Maximum discount percentage varies from State to State.
4Safe Driver Discount applies to new Motor Insurance policies with comprehensive cover only. To be eligible for a safe driver discount:

  • ● the ratable driver must be aged 30 years or over;
  • ● the insured (owner) must have held a maximum no claim bonus for the last five consecutive years; and
  • ● all other nominated drivers have had no at fault claims for the last five years.

5Offer valid for new Allianz comprehensive motor insurance policies purchased through QRI Lifestyle. 12 months roadside assistance membership is provided by AGA Assistance Australia Pty Ltd ABN 52 097 227 177, trading as Allianz Global Assistance. Full terms and conditions available at allianz.com.au/roadside.