Your car not only gets you from A to B, it’s probably one of your most valuable and necessary possessions. That's why you should make sure you choose the right insurance cover.
Get top-of-the-range cover
IMB can arrange competitive car Insurance to protect your car against theft or damage.
Better still, these policies come with a range of built-in benefits that are optional extras with some other insurers – like automatic cover for factory accessories that add value to your car.
So if you’re looking for comprehensive cover you can rely on, you’re ready to roll with IMB.
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Enjoy benefits such as:
- Pay by the month at no extra premium
- New vehicle replacement if your car is a total loss within the first two years of original registration
- Automatic inclusion of accessories cover (e.g. roof racks or metallic paint) up to 5% of the car’s market value or $2,000, whichever is less
- Choice of repairer/Lifetime guarantee on authorised repairs
- Hire car in the event of theft and not at fault accidents
- Personal effects cover up to $500 per item, to a maximum of $750
- Get home costs up to $500 when you are 100km or more from home
- 24-hour phone claim service with same-day repairs at ‘Smart Centres’ at no cost if available in your area
Two Ways of Valuing your Vehicle under Comprehensive Cover
- Market Value Cover. If your vehicle is a ‘total loss’ you will be paid the market value of the car at the time of the accident or theft, less any policy excess.
- Agreed Value Cover. If your vehicle is a ‘total loss’ you will be paid the amount we agree to insure your vehicle for, less any policy excess.
Your vehicle is considered a ‘"total loss’" if it is stolen and not recovered or if it is damaged to the extent that it would cost more to repair than its value (less its salvage value).
Two levels of cover
Third Party Property Damage
- Protects you if you are involved in an accident and your vehicle causes damage to someone else's property.
- Provides up to $20 million worth of legal liability cover including for the death or bodily injury of other people where you are not covered by any statutory insurance or accident compensation scheme in your state or territory.
Third Party Property Damage, Fire and Theft
- Protects you against third party property damage, plus cover for fire damage or theft of your vehicle up to $8,000, less any policy excess.
- Only available for cars with a market value of up to $8,000.