Motor Insurance.

loans Arrange your insurance online today. Get A Quick Quote

Why choose Beyond Bank Comprehensive Motor Insurance?

save_125X125

Up to 10% discount on your first years’ premium when you buy a new comprehensive car insurance policy online.1,2

faster_125X125

24/7  online claims or phone 1300 555 013 to commence the claims process.

You may be able to increase your excess to reduce your premium.1

car_125X125

Rental car for up to 30 days3 if your car is stolen ($100 per day limit).

Choice of Motor Insurance Covers.

Comprehensive Insurance.

The highest level of cover we offer for your vehicle which provides cover for fire, theft, accidents and malicious damage. It also covers your legal liability for loss or damage to someone else's property caused by a motor vehicle accident which is partly or fully your fault.

Third Party Property Damage.

Covers your legal liability for loss or damage to someone else's property caused by a motor vehicle accident which is partly or fully your fault.

 

Comprehensive Insurance & Third Party Property Damage Comparison Table.

Beyond Bank Motor Insurance has a great range of features and benefits designed to suit customers with different needs. With a 24/7 online claims service, a monthly payment option4 and a choice between Comprehensive and Third Party Property Damage cover, Beyond Bank Motor Insurance gives you the flexibility so you can choose to manage your car insurance in a way that suits you.

 Key benefits

 Comprehensive Insurance

Third Party Property Damage

Cover for accidental loss of or damage to your vehicle tick cross
New for old replacement of a new vehicle of the same make, model, engine size, features and paint type after a total loss. If:
  • you purchased your vehicle new (or as a demonstrator model) from the manufacturer or their dealer;
  • your vehicle is less than 2 years old from its first registration at the time it is declared a total loss;
  • where relevant, your financier has given its written consent; and
  • a new replacement vehicle is available in Australia.
tick cross
Cover for your legal liability for loss or damage to other people's property and legal liability for supplementary bodily injury– up to $20 million for any one event or series of related events tick tick
Cover for loss or damage to your vehicle arising from an accident caused by the driver of an uninsured vehicle – up to $5,000 for any one incident, provided that:
  • you did not contribute to the cause of the accident;
  • you can provide the name and address of the person responsible for the accident; and
  • you can provide the registration number of the other vehicle; or
  • any other information that would reasonably allow us to identify the person so that we can exercise our rights of recovery.
cross tick
Approved legal costs arising from a claim for liability covered by the policy tick tick
Cost of emergency repairs after a covered accident – up to $500 for any one incident tick cross
Rental car after theft of your vehicle - $100 per day limit, up to 30 days3 tick cross
Reasonable cost of towing after a covered incident tick cross
Temporary cover on replacement vehicle – 14 days tick cross
Trailer and caravan cover - $1,000 or market value of the trailer or caravan, whichever is the lesser tick cross
Legal liability cover when using a substitute vehicle tick tick
Cover for personal items in your vehicle – up to $1,000 for any one incident tick cross
Cover for reasonable emergency accommodation and travelling expenses after a covered accident, provided that your vehicle was more than 100km from where it is normally parked at night – up to $1,000 for any one incident tick cross
Cover for transportation costs if your vehicle cannot be safely driven home after a covered accident – up to $500 for any one incident tick cross
Lock re-keying / re-coding if the keys to your vehicle are stolen – up to $1,000 for any one incident tick cross
Cover for replacement of child seat / baby capsule in your vehicle after a covered accident – up to $500 for any one incident tick cross
 Optional benefits you can add    
Rental car following accident, where available - $100 per day limit, up to 30 days3 tick cross
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
tick cross
Cover for tools of trade – up to $3,000 for any one incident tick cross
 Options you can select to decrease your premium    
Named driver option tick cross

 

 

This is a summary only. For information on what is covered and not covered and the standard terms, conditions, limits and exclusions of cover, please read the Product Disclosure Statement.

How to claim.

To lodge a car insurance claim:

Online, any time.

A convenient way to lodge a car insurance claim is via the online claim form. You can commence submitting your car insurance claim notification 24 hours a day, 7 days a week.

All you need to do is complete the online claim form. Once it is lodged, a friendly claims consultant will contact you as soon as possible.

  • Secure form
  • No phone queues
  • Immediate confirmation number for your reference

Over the phone - 24 hours a day, 7 days a week claims service.

You can call the claims hotline on 1300 555 013 and a consultant will help you commence the claims process.

Comprehensive Motor Insurance FAQs.

icon-insurance-purple Insurance

A driver with an overseas licence is covered on your policy so long as they abide by the laws and driving regulations of the state or territory which they will be driving in.

In Australia, laws and driving regulations differ from state to state. Some states require you to carry an International Licence with your current foreign licence. Other states request you carry your current foreign driver's licence together with a formal translation of your licence into English.

In most Australian states and territories (the exception is the Northern Territory), you are able to drive on an overseas licence as long as it is current. You can only drive vehicles which your overseas licence authorises you to drive and you must drive according to any conditions on your overseas licence.

You do not have to advise us that a driver using your car is in possession of an overseas licence, however it is important to let us know about anybody that you know of who will drive your car and have them listed on your policy. This will assist with avoiding any unlisted driver excesses that may apply in the event of a claim and ensure that all drivers are covered by your policy. For full details of conditions and exclusions please refer to the relevant PDS.

Your insurance premium takes into account various factors, including, for example, the costs of fixing your car in the event of a claim. This cost will vary depending on whether the car must be replaced if it is a total loss or if it can be repaired. Whilst the value of most cars will decrease over time (lowering the replacement cost) these total loss claims occur much less frequently than accidental damage claims. Accidental damage claims require the car to be repaired and the cost of this usually increases each year in line with increases in the cost of parts, paint and labour. Therefore, completing the same repair to the same car will probably cost more in future years, even though the value of the car may reduce.

Cover for damaged windscreens is provided by your Allianz Comprehensive Car insurance policy, subject to any applicable excess listed in your policy schedule or in your PDS.

We also offer an option for the removal of basic excess on windscreen claims. If you have selected this option, you will not need to pay the basic excess if the broken windscreen is the only damage to your vehicle. This covers 1 replacement and 2 repairs in any period of  insurance For full details of conditions and exclusions please refer to the relevant PDS.

In addition to the basic excess, he/she will also be required to pay the relevant age excess for drivers listed in your policy schedule. All excesses are displayed on your car insurance policy schedule.

Compulsory Third Party (CTP) Insurance provides you with cover for people killed or injured in a motor vehicle accident for which you or the driver of your vehicle are at fault. CTP insurance is compulsory in all states of Australia and does not provide any cover for damage to property. Comprehensive Car Insurance however, does provide cover for damage to property. It provides cover for damage to your own vehicle, theft of your vehicle and damage you cause to other people's property and vehicles. This is different to Third Party Property Damage Insurance which only provides you with cover for loss or damage to someone else's property caused by a car accident which is your fault.

Unless we state otherwise in the PDS, when you make a claim under the policy, you will need to pay one or more excesses which is the amount you must pay as a contribution to each claim.

The amount and type of the excess(s) you have to pay will be shown in your policy schedule or in your PDS.

For full details of the excesses that we may apply and when we apply them, please refer to your policy schedule and the relevant PDS and PED guide.

It is important to list all drivers on your policy. If the driver is not listed on the policy and you need to make a claim, or you may need to pay an age excess if they are under 25 or an unnamed driver excess where the Named driver option is selected.

For full details of the standard terms, conditions, limits and exclusions please refer to the relevant PDS.

In the event that your son/daughter is involved in an accident in your vehicle and is not listed as a nominated driver on your insurance, he/she may have to pay a higher ‘Age excess’ for drivers not listed on your policy schedule in addition to the basic excess and any other excess that applies, on condition that Allianz chooses to accept the claim. If they were listed on the policy, you would pay a lower “Age excess” in addition to the Basic excess and any other excess that applies.

To have a non-standard accessory - such as a music player - covered under your car insurance policy, you need to let Allianz know the value of the accessory. You need to do this for all non-standard accessories as well as modifications that you have made to the vehicle to ensure you are covered in the event of a car insurance claim. Remember to also keep a record of your purchases.

Please read this important information.

Beyond Bank Australia Ltd ABN 15 087 651 143 AFSL/Australian Credit License 237 856 arranges this insurance as agent for the insurer Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL No 234708. We do not provide any advice based on any consideration of your objectives, financial situation or needs. Terms, conditions, limits and exclusions apply.  Before making a decision, please consider the Pro duct Disclosure Statement available from www.beyondbank.com.au/disclosures.

1 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, we also apply each of them 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.

2 The online discount applies to new Comprehensive Motor Insurance policies only.   Any online discounts offered are applied to our standard rates (excluding optional covers) and are for the first year’s premium only (unless otherwise stated).  Promotional or other discounts may apply from time to time for customers who apply for insurance via other methods

3 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

Premiums payable by instalments may be subject to minor adjustments (upwards or downwards) due to rounding and financial institution transaction fees may apply.

Commissions

When we arrange insurance, we may receive a commission from the insurer. The commission is calculated as a percentage of the premium you pay, not including any taxes or other government charges. The amount of commission varies depending on the type of insurance. Commission is only payable on premium actually paid. We may also receive a profit share payment based on the profitability of eligible products in our insurance portfolio. Further details are contained in our Financial Services Guide which is available here. Ask us for more details before we provide you with the services.

Policy benefits and features

Any advice here does not take into account your objectives, financial situation or needs, which you should consider before acting on any of our recommendations. All information regarding the benefits, features or extent of cover provided by any of the policies is provided as a summary only. You should refer to the relevant Product Disclosure Statement (“PDS”) for the full policy terms, conditions, exclusions and limitations. The PDS can be reviewed from this website or you can call us on 13 25 85 and request a copy. If you obtain or purchase insurance through our website you also agree to have received our Financial Services Guide (FSG) which is available from this website.

Premiums payable by instalments may be subject to minor adjustments (upwards or downwards) due to rounding and financial institution transaction fees may apply.

Share this page