Comprehensive Motor Vehicle Policy Comparison
| Policy Features | Prestige | Classic |
| Cover for Accidental loss & damage including theft | Yes | Yes |
| Cover for legal costs and expenses (as agreed by Allianz) |
Yes | Yes |
| Cover for vehicle being transported by ferry / ship | Yes | Yes |
| Emergency Accommodation costs | Yes, up to $400 if accident occurs more than 200kms from home. | No |
| Emergency repairs | Yes, up to $500. | Yes, up to $350. |
| Hire Car for 14 days if vehicle stolen | Yes, benefit provided up to $75 per day until the car has been recovered undamaged, or recovered damaged and the damage is repaired to a maximum of 14 days. | |
| Legal Liability cover on the substitute vehicle | Yes | Yes |
| Market or Agreed value cover available | Yes | Yes |
| Personal effects and clothing | Yes, up to $500 if damaged in a collision involving the insured vehicle, stolen from your locked vehicle or stolen at the same time as your vehicle. | |
| Re-keying and Re-coding of locks | Yes, if the keys to the insured vehicle are stolen the policy will pay up to $1,000 to have the keys replaced and the locks recoded. | Yes, if the keys to the insured vehicle are stolen the policy will pay up to $500 to have the keys replaced and the locks recoded. |
| Replacement new vehicle after a write off | New vehicle provided including Registration and CTP costs if a vehicle is declared a Total Loss within the first 12 months of original registration. | |
| Same no claim bonus transferred | Yes, current No Claim Bonus discount is transferable from the previous Insurer. | |
| Third Party Liability $20million | Yes, with legal costs covered in addition to the Third Party limit. | |
| Towing costs | Yes, reasonable costs of removal, protection and towing. | |
| Trailer / Caravan cover for damage or theft | Yes, up to $1,000 for damage sustained whilst attached to the insured vehicle where we have accepted a claim lodged for same. | Yes, up to $500 for damage sustained whilst attached to the insured vehicle where we have accepted a claim lodged for same. |
| Transportation costs |
Yes, if the vehicle cannot be safely driven home after an accident, has been maliciously damaged or stolen the policy will reimburse up to $400. | Yes, if the vehicle cannot be safely driven home after an accident, has been maliciously damaged or stolen the policy will reimburse up to $200. |
| Rating One Protection |
Yes, available at extra cost for every policyholder that has Rating 1 and permits ONE at fault claim to be lodged in the policy period without the No Claim Bonus being affected. | |
| Discount for excluding cover on drivers aged under 30years | Yes | Yes |
| Removal of Basic Excess on Windscreen Claims | Yes, available at extra cost and permits ONE Windscreen claim to be lodged per policy period with no payment of the Excess or affect on No Claim Bonus. | |
| Rental Car provided following an accident | Yes, rental car provided valued at up to $75 per day or if vehicle not available a travel allowance of $30 is provided. Maximum period is up to claim being settled or repairs completed limited to 14 days. | |
Allianz Insurance Limited (Allianz) AFS Licence No: 234708, ABN 15 000 122 850 of 2 Market Street, Sydney NSW 2000 is the underwriter of this insurance. In arranging for this insurance, Encompass Credit Union Limited, AFSL No. 238426, ABN 43 087 650 011, acts as an agent for Allianz, not as your agent. The information contained in this editorial is a summary only. We do not advise you whether the insurance is appropriate for your personal objectives, financial situation or needs. To decide if it is appropriate for you, please carefully read the relevant Product Disclosure Statements which are available from Encompass Credit Union Limited. If you purchase this policy, we will charge you an agreed premium, including any relevant taxes and charges. If you buy Allianz Motor Insurance, Encompass Credit Union Limited may be paid a commission of up to 9% of the premium.