Bank of Melbourne Comprehensive policy
Provided by Allianz. Your choice of repairer. Agreed value sum insured available.
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Recommended
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We recommend higher scoring policies with a mix of state based and nationwide insurers.
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CHOICE Expert Rating
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The CHOICE Expert Rating is the overall score that determines which products we recommend. It's made up of product features (60%) and price (40%).
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Features score
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The score is made up of
Incident cover (eg emergency accommodation and transport and hire car) - 25%
New car replacement - 15%
Choice of repairer - 12.5%
Additional features (eg windscreen cover, roadside assistance) - 12.5%
Personal property cover - 10%
Default cover (fire, theft etc) and legal liability - 10%
Agreed value 7.5%
Excesses - 7.5%
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Satisfaction score
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We surveyed customers to ask them about their overall experience with the insurer. This score represents the percentage of people who rated their experience as above average or excellent. N/A means there was no result for that insurer. This score does not contribute to the CHOICE Expert Rating.
- N/A
- Insurer
- Bank of Melbourne
- Policy
- Comprehensive
- Insurance provider
- Allianz
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Insure for agreed value
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Whether the car can be insured for an agreed value, or whether it is insured for market value only.
- Yes
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ACT price comparison
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The fewer dollar signs, the cheaper the policy compared to other products available in the state. "N/A" means the insurer doesn't operate here, or doesn't participate in the premium sharing program we use to collect pricing data.
- $$
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NSW price comparison
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The fewer dollar signs, the cheaper the policy compared to other products available in the state. "N/A" means the insurer doesn't operate here, or doesn't participate in the premium sharing program we use to collect pricing data.
- $$
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NT price comparison
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The fewer dollar signs, the cheaper the policy compared to other products available in the state. "N/A" means the insurer doesn't operate here, or doesn't participate in the premium sharing program we use to collect pricing data.
- $
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Queensland price comparison
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The fewer dollar signs, the cheaper the policy compared to other products available in the state. "N/A" means the insurer doesn't operate here, or doesn't participate in the premium sharing program we use to collect pricing data.
- $$
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SA price comparison
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The fewer dollar signs, the cheaper the policy compared to other products available in the state. "N/A" means the insurer doesn't operate here, or doesn't participate in the premium sharing program we use to collect pricing data.
- $$
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Tasmania price comparison
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The fewer dollar signs, the cheaper the policy compared to other products available in the state. "N/A" means the insurer doesn't operate here, or doesn't participate in the premium sharing program we use to collect pricing data.
- $
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Victoria price comparison
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The fewer dollar signs, the cheaper the policy compared to other products available in the state. "N/A" means the insurer doesn't operate here, or doesn't participate in the premium sharing program we use to collect pricing data.
- $$
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WA price comparison
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The fewer dollar signs, the cheaper the policy compared to other products available in the state. "N/A" means the insurer doesn't operate here, or doesn't participate in the premium sharing program we use to collect pricing data.
- $$
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Additional excesses
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On top of your standard excess, some drivers might have to pay an additional excess when they make a claim. Drivers under 25 typically have to pay an age excess, and these can vary from state to state, and decrease with age.
- Young drivers
Unlisted drivers (optional)
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Cover for personal property
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Cover for your belongings inside the vehicle if it is stolen or damaged. Usually excludes cash or cards.
- $1000
Excludes Portable GPS, personal music devices -
Cover for child seats
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Cover for child seats, baby capsules, etc.
- $500
On top of personal property limit -
Cover for keys
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Cover for replacing and recoding keys. Most insurers only cover this after theft, but some also cover lost keys.
- $1000
Covered for theft only -
Cover for trailers and caravans
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Cover for damaged or stolen trailers. Some insurers include caravans in this benefit. Trailers usually have to be under a size limit, and they're often only covered up to their market value.
- $1000 trailer and caravan cover
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Accommodation and transport when far from home
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If you're on the road and need to make a claim, your insurer might cover the costs of accommodation and transport to get you home or to your destination. The emergency transport benefit listed here is often also available when close to home, usually in the form of a taxi ride.
- $1000 cost covered after theft or accident
No daily limit
When more than 100km from home
Total includes emergency transport cover -
Towing after an incident
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Cover for towing from the scene of an incident.
- Yes
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Getting your car repaired
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Do you have your choice of repairer, or do you have to use the one nominated by the insurer? Most insurers offer a lifetime guarantee on repairs they've authorised – this might be for the lifetime of the vehicle, while some only guarantee their repairs for as long as you own the car. The guarantee might only apply if you use the insurer's nominated repairer.
- Your choice of repairer
Repairs guaranteed while you own the vehicle -
New car replacement
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If your car is written off in the first few years, some insurers will replace it with a similar new model.
- Included
24 months after purchase
No odometer restriction
Must be first registered owner -
Windscreen replacement
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Because replacing damaged glass often costs less than your excess, insurers may waive or reduce the excess for windscreen and window claims.
- Optional extra
One excess free replacement per year
Two repairs per year -
Roadside assistance
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Roadside assistance can help you in the event of a breakdown, which your car insurance doesn't cover you for. Some insurers offer it as an optional extra, while others have it included by default with their policies. Some sell roadside assistance plans to the general public.
- Not available
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Rental car
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If you can't drive your car after you make a claim, your insurer might cover the cost of a rental car. This is usually covered by default after theft, but you might have to pay extra to get cover for other incidents.
- Covered for theft for 30 days $100 per day
Optional extra for not at fault accident for 30 days $100 per day
Optional extra for at fault accident for 30 days $100 per day -
Insurance for rental cars
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Some insurers extend your comprehensive cover to rental cars. Others will cover some or all of the excess the rental company will charge if you damage the car.
- Hire car excess and security bond ($2000 limit)
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Cover for theft, collision, hail, storm, flood, fire, malicious damage and vandalism
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The basic insured events most policies cover.
- Yes
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Cover for contaminated fuel
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Cover for if you use the correct fuel type for your car but the fuel is contaminated and damages your engine. Using an incorrect fuel type is usually not covered.
- Yes
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Legal liability
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Cover for damage you cause to others' property with your car. Some insurers also cover liability for injury and death to other people in cases where your compulsory third party injury insurance does not.
- $20 million