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Comprehensive Insurance

This is the highest level of cover we provide. It covers your own vehicle if it is damaged or stolen in addition to the damage caused to
someone else’s property, no matter who’s at fault.

The below ('What's Included', 'Additional benefits', 'Upgrade your cover') are a summary only. For the standard terms, conditions, limits
and exclusions of cover please refer to the
Product Disclosure Statement (PDS) (PDF 761KB) and the 
Premium, Excess, Discount and Options Guide (PED) (PDF 556KB)

What's included


  • Accidental loss of or damage to your vehicle

    We will cover you for accidental loss of (including theft) or any other type of accidental damage that happens to your vehicle during the period of insurance.

  • Emergency accomodation and travelling expenses

    We will pay for any reasonable additional travel or accommodation expense incurred by you as a result of a covered accident for up to $1,000 if your vehicle was more than 100km from home. The maximum amount we will pay for accommodation and travelling expenses combined for any one claim or incident is $1000.

  • New for old replacement of a new vehicle after a total loss

    If your vehicle is a total loss, along with being purchased as new or a demo from a manufacturer or dealer and its less than 2 years old from its first registration, we will replace it with a new vehicle of the same make, model, engine size, features and paint type including any modifications, options and accessories, so long as it is available in Australia. 

  • Legal liability of up to $20 million

    We will cover your legal liability to pay compensation for loss of or damage to someone else’s property which is caused by a motor vehicle accident which is partly or fully your fault.

  • Temporary cover on replacement vehicle

    If you replace your vehicle and don't advise us, we will cover the replacement vehicle for up to 14 days from the time you sold or gave the vehicle away on the same terms set out in your policy, except we will insure it at market value.

Additional benefits


  • Personal items in your vehicle, up to $1,000 for any one incident of accidental damage or theft
  • Rental car after theft of your vehicle, up to $100 per day for up to 30 days. However 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
  • Transportation costs if your vehicle cannot be driven home after an accident up to $500 for any one incident
  • Reasonable cost of towing to a repairer, place of safety or any other place which we agree to after a covered incident
  • Lock re-keying / re-coding up to $1,000 if vehicle keys stolen by a person who is not your family member, invitee or person who resides with you
  • Cover for the cost of emergency repairs necessary to enable you to drive your vehicle home up to $500 after a covered accident
  • Cover for accidental loss of or accidental damage to a trailer or caravan
  • Replacement of any child seat or baby capsule in your vehicle up to $500 following a covered accident.


Upgrade your cover


Nil excess for windscreen claims

Removal of basic excess for windscreen claims if the broken windscreen is the only damage to your vehicle - 1 replacement and 2 repairs in any period of insurance  

Rental car following an accident

We will provide you with a rental or loan car for an accepted claim for accidental damage for a maximium of 30 day at up to $100 per day. Additionally we will reimburse you up to $3000 for any excess or security bond due to loss or damage of the rental car. However, 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.

Tools of trade

Cover for your tools of trade, stock and materials in the event of theft via forcible and violent entry to your securely locked vehicle and/or tool box, permanently fixed to your vehicle or a motor vehicle collision of up to $3,000 for any one incident.

Save up to 15%* with Comprehensive Car Insurance online

Eligible safe drivers can save up to 15% in the first year when buying a new comprehensive car insurance policy online*.

Why choose St.George Car Insurance

Choice of repairer
You can choose your own repairer, at no extra cost1
24/7 online claims lodgement
Lodge a claim online or call Allianz on 1300 655 489.
Flexible payment options
Manage your budget – pay by the month at no extra cost^
Named driver option
You may be able to save on your premium when you select the named driver option and list all your drivers on the policy2

Important information

Cover is subject to your application for insurance being accepted.

* Save up to 15% on Comprehensive Motor Insurance is a combination of two discounts: 10% on your first year’s premium when buying a new policy online, and 0-10% Safe Driver Discount (SDD), based on the driving history of all drivers named on the policy. Save up to 15% discount is based on data which shows a substantial proportion of customers will receive a 5% SDD on their premiums. If you are eligible for more than one discount, we apply each of them in a predetermined order (excluding taxes and government charges). This means the effect of applying any subsequent discount will be reduced. For example, the aggregate effect of applying two 10% discounts consecutively means you will not see the full benefit of both discounts. Discounts may be subject to rounding and only apply to the extent any minimum premium is not reached. Promotional or other discounts may apply from time to time for customers who apply for insurance via other methods. Discounts do not apply to the premium for optional covers.

^ Premiums payable by instalments may be subject to minor adjustments due to rounding and financial institution transaction fees may apply.

1. Allianz may agree with you to use a repairer (other than the one you selected), or pay you reasonable repair costs. We will act reasonably in doing so.

2. Reduce your premium by listing your drivers. If you choose to reduce your premium by naming drivers on your policy, an unnamed driver will incur a $2,500 excess (this replaces the basic and all other excesses where applicable). 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, each of them are applied 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.

St.George Motor Insurance is issued by Allianz Australia Insurance Limited ABN 15 000 122 850 (Allianz). St.George - a Division of Westpac Banking Corporation ABN 33 007 457 141 arranges the insurance as agent of Allianz, but does not guarantee the insurance. Policy terms, conditions, limits and exclusions apply.

This information does not take your personal objectives, circumstances or needs into account.

Read the relevant Retail and Business Banking Financial Services Guide, Credit Guide and Privacy Statement. (PDF 1023KB), Product Disclosure Statement (PDS) (PDF 761KB) and the Premium, Excess, Discount and Options Guide (PED) (PDF 556KB) to see if this insurance is right for you. Call 1800 812 133.

A target market determination has been made for this product. Please visit for the target market determination.

By clicking on Get a quote you will enter a third party site hosted by Allianz. Any personal information you provide to Allianz’s hosted site will be collected, used and disclosed in accordance with Allianz’s Privacy Statement and Privacy Policy.

St.George’s Privacy Policy is available at or by calling 13 33 30. It covers:

  • How you can access the personal information St.George holds about you and ask for it to be corrected;
  • How you can complain about a breach of the Privacy Act 1988 (Cth) or a registered Code by St.George and how St.George will deal with your complaint; and
  • How St.George collect, hold, use and disclose your personal information in more detail.

© St.George - A Division of Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714.