Getting Covered
CLIC Car Insurance offers three different levels of cover.
1. ‘Vehicle Cover’
Download current* Vehicle policy document - PDF[536KB]
Covers a range of situations including crashes, theft, fire, vandalism and storm damage. It also provides cover in case you damage someone else’s car or property.
2. ‘Third Party Property Damage Cover’
Download current* Third Party policy document - PDF[511KB]
A cheaper option to cover damage you cause to someone else’s car or property.
3. ‘Third Party Fire & Theft Cover’
Download current* Third Party Fire & Theft policy document - PDF[526KB]
Covers damage you cause to someone else’s car or property, as well as theft and fire damage. This cover is available in certain circumstances, just call us to find out more.
One of the great things about CLIC Car Insurance is that we understand how important your car can be to you, so if you need to claim you can choose your own repairer. That means you can deal with a local panel-beater or painter that you know and trust.
* The policy documents on this site are the latest version available to new customers. If you are already a CLIC customer, refer to the policy documents that have already been supplied to you as they may be different.
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Vehicle
Cover |
Third Party
Cover |
Cover included with your policy
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Theft
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Crashes
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Fire
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Vandalism
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Storm Damage
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Specified accessories
(eg mags, stereo, body kit)
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Damage you cause to someone else’s car or property
(up to $5 million) |
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Towing and salvage costs
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Transport home
(when you are more than 100 km from where you normally live)
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Your trailer
(up to $600)
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Child car seats
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Excess refund
We will refund your excess if your claim involves a crash with another vehicle where you are not at fault, you can provide the other driver’s details, and the other driver confirms their involvement in the accident. In addition, your No Claim Bonus will not be affected |
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Vehicle
Cover |
Third Party
Cover |
Optional policy covers
To turbo charge your policy, you can apply for these optional covers at additional cost
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Glass excess buyout
You won’t have to pay any excess on claims for broken windows (including side windows) windscreens or sunroofs, and you won’t lose your No Claim Bonus |
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Reduced excess on nominated valuable accessories and modifications
If any of your nominated accessories or modifications are lost or stolen, you will only have to pay a reduced excess |
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Substitute transport expenses
You can claim up to $60 per day (for up to 30 days) to help with the cost of transport, such as a rental car, following a claim |
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Accidental death benefit
We’ll pay $10,000 should you die in an accident in your car |
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Innocent party protection
If you are involved in an accident with someone else who is at fault and uninsured, we will cover your car up to $3,000 |
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