Motor Insurance

Ian Berry Motor Insurance has a great range of features and benefits designed to suit customers with different needs.

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Why choose Ian Berry Comprehensive Motor Insurance?

With a 24/7 online claims lodgement service, a monthly payment option3 and a choice between Comprehensive and Third Party Property Damage cover, Ian Berry Motor Insurance gives you the flexibility to manage your car insurance in a way that suits you.

Up to 10% discount on your first year’s premium when you quote and buy a new comprehensive motor insurance policy online1,2

Choose your own repairer6

You can make a claim online or call 1300 555 030 for claims service 24 hours, 7 days a week

Rental car for up to 30 days4 if your car is stolen ($100 per day limit)

Safe driver discount for eligible drivers1,5

Find the cover that’s right for you

Comprehensive Motor Insurance

What does Ian Berry Motor Insurance cover?

Ian Berry Motor Insurance covers your vehicle, plus damage you cause to other people’s vehicles or property. Here’s a summary of the features and benefits, as well as optional covers you can add to your policy.

Comprehensive Insurance
Included benefits
Accidental loss of or damage to your vehicle - Cover includes theft, fire, flood and storm, including hail damage, subject to your policy’s terms and conditions, limits and excess.
New for old replacement of a new vehicle after a total loss - If your new vehicle is stolen or written off, Allianz may replace it with one of the same make and model if the following conditions are met:
  • Your vehicle is less than two years old from its first registration at the time it’s declared a total loss.
  • You bought your new vehicle, or demonstrator model, from the manufacturer or their dealer.
  • Where relevant, your financier has given their written consent.
  • A new replacement vehicle of the same make and model is available in Australia.
Legal liability cover - Covers your legal liability for loss or damage to other people’s property and for supplementary bodily injury – up to $20 million for any one event or series of related events.
Approved legal costs from a liability claim - Covers legal costs, as approved by Allianz, from a claim that’s covered by your policy.
Emergency repair costs after a covered accident - Allianz will reimburse the cost of necessary emergency repairs that enable you to drive your vehicle home after a covered accident – up to $500 for any one incident.
Rental car after theft of your vehicle - If your vehicle has been stolen, Allianz will pay for a rental car – $100 per day, for up to 30 days.4
Towing after a covered incident - Allianz will pay the reasonable cost of protection, removal and towing of your vehicle after a covered accident to the nearest repairer, place of safety or any other place they agree to.
Temporary cover on a replacement vehicle - Allianz will provide cover for your replacement vehicle for 14 days.
Trailer and caravan cover - Allianz will pay up to $1,000, or the market value of your trailer or caravan, whichever is less.
Legal liability cover when using a substitute vehicle
Cover for personal items in your vehicle - Allianz will pay up to $1,000 for any one incident.
Emergency accommodation costs - Cover for reasonable emergency accommodation costs and travel expenses after a covered accident, provided that your vehicle was more than 100 km from where it’s usually parked at night – up to $1,000 for any one incident.
Transportation costs - If your vehicle can’t be driven safely home after a covered accident, Allianz will pay up to $500 for any one incident for travel necessary to get you home.
Lock re-keying or re-coding if your vehicle’s keys are stolen - Allianz will pay up to $1,000 for any one incident.
Replacing a child seat after a covered accident - Cover for the replacement of a child seat or baby capsule in your vehicle at the time of a covered accident – up to $500 for any one incident.
Optional benefits
Rental car after an accident, where available - If you can’t use your vehicle following an accident, this optional benefit will pay $100 per day, up to 30 days for a rental car. This option will extend your rental car or daily travel allowance period if they caused or contributed to the delay in repairing your vehicle.
Basic excess removal for windscreen claims - If the broken windscreen is the only damage to your vehicle, you can get one replacement and two repairs in any period of insurance.
Cover for tools of trade - This optional benefit will pay up to $3,000 for any one incident.
This is a summary only. For information on what’s covered and what’s not covered and the standard terms, conditions, limits and exclusions of cover, see the relevant Product Disclosure Statement (PDS).

Third Party Property Damage Insurance

Is Third Party Property Damage Motor Insurance right for you?

Third Party Property Damage Motor Insurance covers your legal liability for loss or damage to someone else’s property caused by a motor vehicle accident that’s partly or fully your fault.

Third Party Property Damage
Included benefits
Legal Liability Cover - covers your legal liability for loss or damage to other people’s property and for supplementary bodily injury – up to $20 million for any one event or series of related events.
Approved Legal Costs - covers legal costs, as approved by Allianz, from a claim that’s covered by your policy.
Uninsured Motorist Extension, covers 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
Not included
Cover for accidental loss of or damage to your vehicle
Fire and theft cover isn’t included
Compulsory Third Party (CTP) Insurance is a different type of insurance that’s not included
This is a summary only. For information on what’s covered and what’s not covered and the standard terms, conditions, limits and exclusions of cover, see the relevant Product Disclosure Statement (PDS).

Motor Insurance product comparison

Comprehensive or Third Party Property Damage Motor Insurance?

Allianz Comprehensive Motor Insurance covers your vehicle, plus damage you cause to other people’s vehicles or property. If you’re looking for cover for fire, theft, accidents, malicious damage and legal liability, you might like to consider Comprehensive Motor Insurance.

Allianz Third Party Property Damage Motor Insurance doesn’t cover your vehicle. It covers your legal liability if you destroy or damage someone else’s vehicle or property during a motor vehicle accident that’s partly or fully your fault.

Find the cover that’s right for you

Ian Berry Motor Insurance has a great range of features and benefits designed to suit your needs.

Comprehensive InsuranceThe 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 PropertyCovers 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.
Included benefits
Accidental loss of or damage to your vehicle
New for old replacement after a total loss will be for a vehicle of the same make, model, engine size, features and paint type if:
  • you bought your vehicle new, or as a demonstrator model, from the manufacturer or their dealer
  • your vehicle is less than two years old from its first registration at the time it’s declared a total loss
  • where relevant, your financier has given its written consent
  • a new replacement vehicle is available in Australia
Legal liability cover is for loss or damage you cause to other people's cars or property and for supplementary bodily injury arising out of a single accident or a series of related events - Up to $20 million
Approved legal costs arising from a claim for liability covered by the policy
Emergency repair costs after an accident - Up to $500 for any one covered accident
Rental car after theft of your vehicle – $100 per day limit, up to 30 days4
Towing after a covered incident
Temporary cover on replacement vehicle - Up to 14 days
Trailer and caravan cover - $1,000 or market value, whichever is less
Legal liability cover for a substitute vehicle
Cover for personal items in your vehicle – up to $1,000 for any one incident
Emergency accommodation and travel expenses after a covered accident, provided that your vehicle was more than 100 km from where it’s normally parked at night. - Up to $1,000 for any one incident
Transportation costs if your vehicle can’t be safely driven home after a covered accident. - Up to $500 for any one incident
Lock re-keying / re-coding if the keys to your vehicle are stolen – up to $1,000 for any one incident
Child seat or baby capsule replacement after an accident - Up to $500 for any one covered accident
Optional Cover
Rental car after an accident, where available4 - $100 per day limit, up to 30 days
Basic excess removal for windscreen claims- If the broken windscreen is the only damage to your vehicle, you can get one replacement and two repairs in any period of insurance
Cover for tools of trade- Up to $3,000 for any one incident
Named driver option
 
Comprehensive Insurance Third Party Property Damage
  • Allianz’s highest level of cover for your vehicle
  • Cover for fire, theft, accidents, malicious damage and legal liability costs
  • Covers your vehicle, plus damage you cause to other people’s vehicles or property
  • Covers your legal liability for loss or damage to someone else’s property caused by a motor vehicle accident that’s partly or fully your fault
  • Approved legal liability costs
  • Your own vehicle isn’t covered by this type of insurance
Get a Quick Quote

Policy Document and Key Fact Sheets

This is a summary only. For information on what’s covered and what’s not covered and the standard terms, conditions, limits and exclusions of cover, see the relevant Product Disclosure Statement (PDS).

Get in touch

To experience our local customer service where you speak to a real South Australian insurance expert every time, please get in contact with us!

Talk to an insurance expert

Contact 1300 292 100 and speak to a real person!

Visit an insurance expert

You can find us at your local Police Credit Union branch.

Looking for a quick quote?

Fill in our online form or call 1300 292 100.

Need to make a claim?

Visit our claims page for more information.

Request a call back

Fill out the form below and a member of our service team will contact you at a time that’s convenient for you.

  1. Minimum Premiums

    Where discounts are applied, your premium is subject to rounding. If more than one discount applies, they’re applied in a predetermined order, so the later discounts apply to the amount already reduced by the earlier discounts instead of the total amount.
    Discounts do not apply to government taxes and charges.

    Most discounts won’t apply below the minimum amount payable for the policy.

  2. Online Discount

    The online discount applies when you quote and buy a new Comprehensive Motor Insurance policy online only. Any online discounts offered are applied to Allianz’s 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 using other methods.

  3. Instalment Premiums

    If you choose to pay your premium by instalments, you do not pay us any more than if you pay your premium in one lump sum annually. The premiums payable by instalments may be subject to minor adjustments (upwards or downwards) due to rounding. Note: Your financial institution may apply transaction fees to instalment payments.

  4. Rental Car

    Allianz will extend your rental car or daily travel allowance period to the extent that Allianz caused or contributed to the delay in repairing your vehicle.

  5. Safe Driver Discount

    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.

  6. Choice of Repairer

    Allianz may authorise repairs at your repairer of choice; pay you the reasonable costs of repairing your vehicle; or move your vehicle to another repairer we both agree upon. We will act reasonable in doing so.