PD Insurance car insurance
What types of car insurance does PD Insurance offer?
PD Insurance offers third party property damage, third party fire and theft and comprehensive car insurance policies. Some benefits of each include:
Comprehensive car insurance
This policy provides the highest level of cover out of the PD Insurance policies available. It covers damage to your car as well as damage caused to other people’s vehicles or property. Some exclusions, limitations and special terms apply, so it’s important to read PD Insurance’s Product Disclosure Statement, Target Market Determination and other applicable documentation carefully.
Third party fire and theft
This provides cover for damage that you cause with your vehicle to other people’s cars and property. This policy also insures you against theft or fire damage to your car. It is a mid-range level of cover that PD Insurance provides and is aimed at drivers who do not want comprehensive cover but need more than the basic third party property damage policy.
Third party property damage
This option is likely to be the cheapest available from PD Insurance and provides cover for damage that you cause with your car to other people’s vehicle or property. However, it does not provide cover for damage to your vehicle.
If you’re unsure about which kind of car insurance is most appropriate for you, or you’d like more information on the differences between the different levels of cover, here’s our guide to the different kinds of car insurance.
Below is further information on PD Insurance’s comprehensive car insurance product.
PD Insurance Comprehensive Car Insurance
Comprehensive Car Insurance is PD Insurance’s highest level of car insurance cover and is designed to protect drivers for the cost of damage caused to their car, as well as to other people’s vehicles and property. Features include:
- Accident damage: Provides cover for loss or damage to your vehicle caused by a number of events including collision, impact, malicious damage, theft or attempted theft, fire, hail, storm or flood.
- Legal liability: Covers your legal liability for damage or loss caused by damaging someone else’s vehicle or property up to a maximum of $20 million.
- Hire car if your car is stolen
- If your car is less than 12 months old and is stolen or written off, it could be replaced by a new car or you’ll receive a payment equal to the car’s agreed value.
- Towing to a place of safety or to a repairer (depending on conditions)
- Emergency repairs up to $500.
- Repairs to windscreen chips (replacement cover is separate)
Customers can also choose to add the following optional features at an extra cost:
- Roadside assistance
- Excess Buster – in exchange for a higher premium, the company will cover the cost of a basic excess charge once a year
- Contents cover – covers valuables left in the car
- Windscreen and window glass, up to $1,500
- Hire car while your car is being repaired or replaced.