TIO Car Insurance

TIO is a provider of insurance including car and vehicle, boat, home and contents, small business, travel and, because TIO is based in the Northern Territory, crocodile attacks. TIO is headquartered in Darwin and its policies are available to those who live in the Northern Territory.

What types of car insurance does TIO offer?

TIO offers Comprehensive and Third Party Property Damage (Legal Liability) car insurance. If you’re unsure about which kind of car insurance is most appropriate for you, or you’d like more information on the varying levels of cover, here’s our guide to the different kinds of car insurance.

Canstar does not currently compare TIO car insurance, but you can compare other car insurance providers on Canstar’s database:

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What additional features does TIO offer on their car insurance products?

TIO’s Comprehensive car insurance covers you for things like accidental loss or damage to your car, damage to other people’s property up to $20 million, cyclone, flood and bushfires, and personal items stolen from your car up to $1,000 an incident.

On its Comprehensive car insurance policy, TIO allows you to add optional extras including covering the cost of a rental car following an accident for 30 days up to $100 per day, removal of basic excess for some windscreen claims, and coverage for accidental loss or damage to any tools of trade. TIO also allows you to add an optional unnamed driver excess, which could lead to your premium being decreased if you specify all of your drivers.

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TIO car insurance FAQs

Depending on the type of insurance cover you choose, TIO may insure your vehicle for either market value or an agreed value. Here’s an article that explains the difference between market value and agreed value.

First, consider comparing car insurance policies with Canstar to find a product that suits your needs.

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If you choose to go with TIO, you can get a car insurance quote on its website. If you need help, you can call or email TIO.

TIO allows you to nominate a higher or lower basic excess. This may affect the cost of your car insurance premiums; a higher excess will typically result in a lower premium, while a lower excess will typically result in a higher premium.

You can lodge a claim with TIO by submitting an online motor claim form or by calling the TIO claims team.

TIO will send you a renewal notice at least 14 days prior to the expiry date of your car insurance policy. If you’re happy with the renewal terms and don’t need to notify TIO of anything as required by the renewal notice, TIO will automatically renew the policy on those terms.

Consider comparing car insurance policies before renewing the same policy, to help ensure you are getting value for money.

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TIO was established in 1979 with the purpose of providing insurance to people in the Northern Territory. Today, TIO continues to serve Northern Territorians and has its headquarters in Darwin. TIO is a division of Allianz Australia and is part of the Allianz Group.