Enthusiast Car Insurance

Comprehensive insurance is the highest level of cover provided by Enthusiast, offering more protection for damage to your vehicle among other areas. The inclusions which can be covered under this Comprehensive Car Insurance are:

• Accidental loss of or damage to your listed vehicle, including any listed modifications
• Up to $20 million in legal liability cover for damage to other people’s property caused by you while driving your car
• Cover for using a substitute vehicle following a covered accident
• Cover for clean-up costs following a covered accident
• Supplementary cover for bodily injury or death caused in a covered event you’re liable for
• Coverage for reasonable cost of emergency repairs to ensure your car is safe to drive (up to $500)
• Replacement of your car with a new vehicle of the same make, model, engine and features (if available in Australia) if it’s declared a total loss after being purchased new and there are less than two years from its initial registration
• Reimbursement of reasonable costs for a hire car after theft or attempted theft until your car is found in a roadworthy condition, repaired or your claim is settled (up to a maximum of the lesser of 14 days and $1,500 in total and provided your annual distance driven exceeds 8,000km)
• Reimbursement for personal items damaged in a covered incident (up to $500)
• Theft of, or damage to, your trailer (up to the lesser of its market value or the cost of repairs)
• Reimbursement of reasonable costs for emergency accommodation and completion of journey costs if your car is deemed unsafe to drive due to a covered incident and you're at least 150km from where it’s typically kept (up to $1,000 per claimable event)
• If your keys are stolen, coverage for the repair, replacement or recoding of your keys, locks and barrels
• Temporary cover for a replacement vehicle after you sell or give away your current car and gain a new one (subject to terms and conditions)
• Choice of licensed repairer (subject to terms and conditions)
• Reimbursement of reasonable costs for towing your vehicle if it's deemed unsafe to drive after an accident or theft (no more than 72 hours of storage costs)
• Agreed value sum insured
• Salvage rights if your vehicle is declared a total loss and is over 30 years old and the ability to purchase the salvage of your vehicle if it’s declared a total loss due to a covered accident or theft (subject to terms and conditions)
• Lifetime guarantee on repairs for an accident and theft by Enthusiast