Car Insurance

Allianz Australia Insurance Limited (ABN 15 000 122 850 AFSL 234708) (Allianz) is the insurer and issuer of this insurance. Allianz has entered into a distribution arrangement with Westpac Banking Corporation ABN 33 007 457 141. Under this arrangement, St.George Motor Insurance is authorised to arrange for the issue of this insurance by Allianz as its agent, not yours. All other services provided by St.George Motor Insurance in relation to this insurance are not provided on behalf of Allianz. This means, if you purchase St.George Motor Insurance, and need to make a claim, Allianz are there for you – helping you get back on track again as soon as possible.

St.George Comprehensive Car Insurance offers either agreed value or market value cover.

• "Agreed value" means the amount the insurer agrees to insure your vehicle up to as shown in your policy schedule.
• "Market value" means the cost to replace your vehicle with a vehicle of the same make, model, age and condition as your vehicle immediately prior to the loss or damage but excluding costs and charges for vehicle registration, compulsory third party insurance, stamp duty transfer, dealer warranty costs, transfer fees or dealer delivery.
  

To determine the market value, the insurer may refer to an accepted motor vehicle valuation guide used by the motor industry.

In addition, to determine the market value the insurer will look at things such as:

• local market prices;
• your vehicle’s condition; and
• modifications, options or accessories  that are attached to your vehicle and shown on the policy schedule

Opting to increase your basic excess can reduce your premium for Comprehensive Cover. The basic excess is the amount you need to pay as a contribution to each claim.

You may also be able to save on your premium when you select the Named Driver Option and list all your drivers under a St.George Comprehensive Motor Insurance Policy³.

The insurer can assist you in selecting a suitable repairer to repair the damage to your vehicle; however you also can choose your own repairer¹.

In both instances the insurer will work closely with you and the repairer to strive to achieve the best repair outcome for you however the insurer may require a second quotation from a repairer chosen by them.

The insurer guarantees materials and workmanship on repairs the insurer authorises for as long as you own or lease your vehicle. This guarantee is not transferable.

If your car is stolen, the insurer will arrange for you to be provided with a rental car for a maximum of 30 days up to $100 per day, if we have accepted your claim for theft of your vehicle under Comprehensive cover only. You also have the option to add a rental car benefit to your comprehensive policy, which provides rental car cover in the event of an accident, also for a maximum of 30 days up to $100 per day, if we have accepted your claim.

The insurer will extend your rental car or daily travel allowance period to the extent that the insurer caused or contributed to the delay in repairing your vehicle.

The insurer will arrange a rental car for you. If you arrange your own rental car without the insurers’ consent, the insurer is not obliged to pay for the rental car you arranged.

Where a claim has been accepted, the insurer will pay for personal effects and clothing belonging to you, your spouse, your de facto or dependent children under comprehensive car insurance policies which are:

• damaged in a collision involving your vehicle,
• stolen from your vehicle which was locked, or
• stolen at the same time as your vehicle.

The insurer may choose (acting reasonably) to pay the amount of the loss or damage, or repair or replace the personal effect or item of clothing.

The maximum the insurer will pay in respect of any one accident or theft is $1,000