TIO Car Insurance

TIO offers Northern Territory residents a choice of car insurance cover so they are protected on the road. Read our review to learn more about its products!  

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, updated on February 16th, 2024       

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Established in 1979, TIO is a leading insurance provider in the Northern Territory, offering a comprehensive range of insurance products for both personal and business needs, including car insurance. As a division of Allianz, TIO benefits from the support of a global insurance group while its local, NT-based team means the company has a strong understanding of the unique Territory conditions.

In this review, we break down TIO’s car insurance products so you can weigh up your options. Find out what is and isn’t covered and the optional extras you can add today!

Disclaimer: all coverage offered by TIO is subject to the terms and conditions of your policy. Limits and exclusions apply. Please refer to your Product Disclosure Statement (PDS) or contact TIO if you’re unsure about what is and isn’t covered.

Please note that Savvy does not represent TIO for its car insurance products. All listed policies, inclusions and limits are correct as of July 2023.

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What car insurance policies are available through TIO?

TIO provides the following types of car insurance:


Comprehensive coverage provides the most extensive list of inclusions among the different types of cover, offering greater peace of mind on the road. TIO’s Comprehensive car insurance offers the following inclusions:

  • Coverage for accidental loss or damage to your vehicle, including theft
  • New-for-old replacement of a new vehicle less than 2 years old after a total loss
  • Temporary cover for a replacement vehicle for a period of 14 days from the time you dispose of your previous vehicle
  • $25,000 to your estate in the event of your accidental death within 12 months of an injury
  • Replacement child seats or baby capsules, up to $500
  • Emergency repairs necessary to drive your vehicle home after a covered accident, up to $500
  • Emergency accommodation and travelling expenses when more than 100km from home, up to $1,000
  • Key replacement or lock recoding after theft, up to $1,000
  • Coverage for accidental damage or theft of personal effects, up to $1,000
  • Rental car after theft up to $100 per day, plus up to $2,000 for excess or security bond payments related to the rental car
  • Reasonable cost of towing your vehicle after a covered accident to the nearest repairer or another agreed-upon location
  • Coverage for accidental loss or damage to trailers or caravans attached to your vehicle, up to $1,000
  • Transportation costs after a covered accident, up to $500
  • Legal liability cover, up to $20 million
  • Legal costs and expenses related to any court proceedings arising from a liability claim
Third Party Property Damage

The most basic form of optional car insurance in Australia, TIO’s Third Party Property Damage insurance is designed to cover damage caused to other people’s property by your car, rather than damage to your own vehicle. Its policy offers the following inclusions:

  • Legal liability cover, up to $20 million
  • Legal costs and expenses related to any court proceedings arising from a liability claim
  • Coverage for your vehicle against loss or damage resulting from an accident caused by an uninsured driver, up to $5,000
Motor Accidents Compensation (MAC) Scheme

Compulsory Third Party (CTP) insurance is a legal requirement for all drivers in Australia. In the Northern Territory, TIO provides CTP insurance – also known as the Motor Accidents Compensation (MAC) Scheme – on behalf of the NT government and is the sole supplier of the scheme. The insurance is included as part of your vehicle registration fee and you cannot choose your provider.

MAC provides personal injury cover in the case of an accident, regardless of who was at fault. Benefits for victims include:

  • Hospital expenses
  • Medical and dental treatment
  • Rehabilitation services
  • Disability payments
  • Loss-of-income allowance

Are there any optional extras available through TIO?

Yes – TIO’s Comprehensive car insurance policy offers the following optional extras:

  • Rental car following an accident, up to $100 for up to 30 days
  • Excess-free windscreen, sunroof or window glass claims, for a maximum of one replacement and two repairs
  • Tools of trade cover, up to $3,000

What are some of the pros and cons of buying car insurance through TIO?

  • Tools of trade cover: this optional extra will pay up to $3,000 if your tools are accidentally lost, damaged or stolen from your vehicle.
  • Generous rental car allowance after theft: if your car is stolen, you can get up to $100 a day for up to 30 days.
  • Choice of repairer: you can opt to use a repairer recommended by TIO or choose your own.
  • No TPFT cover: Fire and Theft cover is no longer available for new car insurance policies taken out with TIO.
  • For Northern Territory residents only: people living in other states and territories in Australia are unable to take out car insurance with TIO.

Common questions about TIO car insurance

How do I make a car insurance claim with TIO?

There are two ways to lodge a car insurance claim with TIO:

  • Online at any time: after submitting TIO’s motor claim notification form on the website, a consultant will contact you within one business day
  • By phone: you can call the local claims team on the dedicated claims number 24/7
Does TIO offer roadside assistance?

No – TIO does not offer roadside assistance either as a part of its car insurance plans or as a separate, standalone service.

Does TIO offer any TPFT policies?

No– TIO no longer offers third party fire and theft insurance over and it is not available on new policies. It is only available to customers renewing their existing Third Party Fire and Theft insurance.

Can I get caravan and trailer cover with TIO?

Yes – TIO offers separate trailer and caravan insurance to cover your caravan, camper trailer, domestic trailer or horse trailer and its contents after loss or damage.

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Savvy’s comparison service includes selected products from a panel of trusted insurers and does not compare all products in the market. Any advice presented above or on other pages is general in nature and doesn’t consider your personal or business objectives, needs or finances. It’s always important to consider whether advice is suitable for you before purchasing an insurance policy. We always recommend readers to consult the Product Disclosure Statement (PDS) of different policies before purchasing your car insurance.

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