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IMB Bank Motor Insurance has a great range of features and benefits designed to suit customers with different needs. With a 24/7 online claims lodgment service, a monthly payment option7 and a choice between Comprehensive and Third Party Property Damage cover, IMB Bank Motor Insurance gives you the flexibility so you can choose to manage your car insurance in a way that suits you. 
 

Why choose Allianz Comprehensive Motor Insurance through IMB Bank?

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.

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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.
 

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Comprehensive Insurance & Third Party Property Damage Comparison Table:

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 
 

 

Comprehensive Insurance

Third Party Property

Damage

Key benefits

 

 

Cover for accidental loss of or damage to your vehicle

Yes

No

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.

Yes

No

Coverforyour 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

Yes

Yes

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 toidentify the person so that we can exercise our rights of recovery.

No

Yes

Approved legalcosts arising from a claim for liability covered by the policy

Yes

Yes

Cost of emergency repairs after a covered accident – up to $500 for  any one incident

Yes

No

Rental car after theft of your vehicle - $100 per day limit, up to 30 days6

Yes

No

Reasonable cost of towing after a covered incident

Yes

 

No

Temporary cover on replacement vehicle – 14 days

Yes

No

Trailer and caravan cover - $1,000 or market value of the trailer or caravan, whichever is the lesser

Yes

No

Legal liability cover when using a substitute vehicle

Yes

Yes

Cover for personalitems in your vehicle  – up to $1,000 for any one incident

Yes

No

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

Yes

No

Cover for transportation costs if your vehicle cannot be safely driven home after a covered accident – up to $500 for any one incident

Yes

No

Lock re-keying /re-coding if the keys to your vehicle are stolen – up to $1,000 for any one incident

Yes

No

Cover for replacement of child seat / baby capsule in your vehicle after a covered accident – up to $500 for any one incident

Yes

No

Optional benefits you can add

 

 

Rental car following accident, where available - $100 per day limit, up to 30 days6

Yes

No

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

Yes

No

Cover for tools of trade – up to $3,000 for any one incident

Yes

No

Options  you can select to decrease your premium

 

 

Named driver option

Yes

No

 

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How to claim

To lodge a car insurance claim

Online, anytime

A convenient way to lodge a car insurance claimis 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.

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

You can call the claims hotline on 1300555013 and a consultant will help you commence the claims process.

 

Get a quote

Retrieve a quote

Make a claim


IMB Bank 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 Product Disclosure Statement and key fact sheetsavailable from www.imb.com.au or by calling 133 462. The relevant Target Market Determination is available here. If you purchase this insurance, we will receive a commission that is a percentage of the premium . Ask us for more details before we provide you with services.

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. Safe Driver Discount applies to Comprehensive Motor Insurance policies only. Any discount entitlement is determined by the insurance history and driving history of all drivers on the policy and the number of claims made by them. If eligible, the maximum Safe Driver Discount that may be applied on new policies is up to 10%. For more information see our PED guide
4. Offer valid for new 12 months roadside assistance membership is provided by AWP Australia Pty Ltd ABN 52 097 227 177, trading as Allianz Global Assistance. Terms, conditions, exclusions and limitations apply to the offer and the 12 month standard roadside assistance membership, which are available at https://allianzfi.agaassistance.com.au/roadside-assistance/terms-and-conditions.
5. In certain circumstances we may agree with you to use another repairer than the one that you selected. We will act reasonably in doing so.
6. 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.
7. Premiums payable by instalments may be subject to minor adjustments (upwards or downwards) due to rounding and financial institution transaction fees may apply.