What's covered?
We have a range of benefits that are included as standard for each cover, as well as optional benefits that can be added to our Comprehensive cover to suit your needs. Legal liability cover, is automatically included with Comprehensive, Third Party Fire & Theft and Third Party Only cover.
Included benefits
These benefits are included as standard for each cover shown below.
✔ = covered ✘ = not covered
| Benefit | Comprehensive |
Third party fire & theft |
Third party only |
|---|---|---|---|
| Legal liability Cover for damage to another person's property which was directly caused by:
|
✔ up to $30 million |
✔ up to $30 million |
✔ up to $30 million |
| Lifetime repair guarantee Authorised repairs are guaranteed for the life of the vehicle |
✔ | ✔ limited to incidents caused by fire or theft |
✔ uninsured motorist benefit only |
| Choice of repairer We can refer you to a QBE accredited repairer or you can nominate a repairer of your choice. |
✔ | ✔ limited to incidents caused by fire or theft |
✔ uninsured motorist benefit only |
| Essential temporary repairs Up to $500 for essential temporary repairs to allow your vehicle to be driven immediately after the accident. |
✔ | ✘ | ✘ |
| Hire car following a theft If your vehicle is stolen, we will reimburse you the reasonable daily cost of vehicle hire similar to your own:
|
✔ | ✔ | ✘ |
| Travelling expenses Reimbursement of up to $50 for expenses incurred to return home if your vehicle cannot be driven as a result of an incident. |
✔ | ✘ | ✘ |
| Towing costs Reasonable costs of removal to the nearest repairer or place of safety. |
✔ | ✘ | ✘ |
| Personal items Cover up to $500 for personal items damaged in your vehicle as a result of an accident. |
✔ | ✘ | ✘ |
| Replacement of keys and re-coding of locks Cover up to $1000 for the replacement of your vehicle's keys and any necessary re-coding of your vehicle's locks. |
✔ | ✘ | ✘ |
| Emergency accommodation and transport costs Up to $500 for the cost of essential temporary accommodation (room rental only) and transport if you are more than 100kms away from your home. |
✔ | ✘ | ✘ |
| Replacement vehicle A replacement vehicle of the same make and model or nearest equivalent in the market at the time of loss if the model is superseded in the event of a total loss, provided:
|
✔ | ✘ | ✘ |
| Trailer cover Cover up to $1000 for the cost of repairs to a single axle box trailer. |
✔ | ✘ | ✘ |
| Re-delivery costs Cover up to $500 of reasonable costs of re-delivery of your vehicle to your home if authorised repairs are over 100kms away. |
✔ | ✔ | ✔ uninsured motorist benefit only |
| Fatality cover Up to $2500 to the deceased's estate if the insured or nominated driver sustains a fatal injury within twelve (12) months of and as a result of an incident covered by this policy. |
✔ | ✘ | ✘ |
| Uninsured motorist benefit Costs of repairs to your vehicle if your vehicle is damaged in a collision where the other driver can be identified, is uninsured and 100% at fault. |
✔ | ✔ up to $5000 |
✔ up to $5000 |
| Finance gap cover Where your vehicle is under finance and declared a total loss we will pay the difference between the total loss amount and the finance payout, up to a maximum of 25% of the vehicle sum insured. |
✔ | ✘ | ✘ |
| After accident clean up We cover your legal liability to pay for the clean up of any debris of your vehicle following an accident, up to $1000 for any one (1) accident. |
✔ | ✘ | ✘ |
To find out more or to get a quote, call 1300 764 518
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Optional benefits
These optional benefits are available on our Comprehensive cover and will result in an additional premium payable.
✔ = optional
| Benefit | Available with Comprehensive |
|---|---|
| Hire car following an accident If your vehicle is involved in an accident, we will reimburse you the reasonable daily cost of vehicle hire similar to your own:
|
✔ |
| Excess-free windscreen and window glass protection No need to pay the standard excess when your claim is for accidental breakage or damage your vehicle's windscreen or window glass. |
✔ |
| 4 year new car replacement Increase the standard replacement vehicle cover from two (2) years to four (4) years. |
✔ |
| Lifetime no claim bonus protection Your no claim bonus will not be reduced or affected if you make any at fault claims. |
✔ |
| No claim bonus protection Your no claim bonus will not be reduced or affected for one (1) at fault claim. |
✔ |
| Selectable excess You can select from a range of excess options. Reduce your premium by selecting a voluntary excess option. The greater the voluntary excess you choose, the lower your premium. You can also choose to remove your standard excess for an additional premium. |
✔ |
To find out more or to obtain a Motor Vehicle Insurance quote, call 1300 764 518
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Important documents
For more information, please refer to the Motor Vehicle Insurance Product Disclosure Statement (PDS) and policy booklet and Target Market Determination (TMD).
Motor Vehicle Insurance is arranged by Teachers Federation Health Ltd ABN 86 097 030 414, trading as Teachers Health Fund. Insurance products are issued and managed by QBE Insurance (Australia) Limited ABN 78 003 191 035 AFS Licence 239545. Teachers Health Fund is an Authorised Representative of QBE, Authorised Representative No. 270604. Terms and Conditions apply. Cover limits are set out in the policy wording. When calculating your annual premium based upon the sum of periodic payments, this total annual premium may differ from our quoted annual premium due to the impact of standard rounding. If you purchase a policy, Teachers Health Fund receive a commission which is a percentage of your premium – ask us for more details. We do not provide any advice on this insurance based on any consideration of your objectives, financial situation or needs. Before making a decision about your insurance needs, please refer to the Product Disclosure Statement (PDS) and Target Market Determination (TMD), or call 1300 764 518.