We hope you never need it, but it’s nice to know it’s there if you do. 

Cover for accidental loss or damage to your vehicle

We’ll arrange for the repair of your car or if it is declared a total loss, we’ll either replace your car or pay you the agreed value.

Replacement with new vehicle after a total loss

If your car becomes a total loss in the first two years of its original registration at the time of the accident or theft, we’ll replace it with a brand new one, subject to policy conditions.

Lifetime Repair Guarantee

We expect all repairs to be of the highest standard, so we provide a Lifetime Repair Guarantee on all repairs authorised by us for the life of your vehicle. 

Pay in monthly instalments or an annual payment

You can choose the convenience of monthly payments or pay annually and receive a discount.

Policy Features and Benefits

Here you’ll find the key things you need to know about our Comprehensive Car Insurance cover Refer to the Product Disclosure Statement (PDS) and Supplementary Product Statement for full details. 

  • Agreed value cover
  • Voluntary excess – you may choose a higher excess to reduce your premium. 
  • Cover for accidental loss or damage to your vehicle (including fire and theft)
  • Cover for accidental loss or damage to other people’s property up to $20 million
  • Replacement with new vehicle after a total loss for vehicles within first 2 years of original registration
  • Keys, locks and barrels cover up to $1000
  • Rental car following theft, up to 21 days (maximum $60 per day)
  • Towing and storage
  • Trailer, boat and caravan cover up to $1500 
  • Personal items up to $750
  • Baby capsules and child seats up $800
  • Travel expenses following accidental damage or theft up to $500

 

This list provides a summary of the key policy Features and Benefits only. For full terms, conditions and exclusions please read the Product Disclosure Statement and any applicable Supplementary Product Disclosure Statement.

  • Rental car following accidental damage up to 14 days
  • Excess-free glass cover option 

 

This list provides a summary of the Optional Benefits only. For full terms, conditions and exclusions please read the Product Disclosure Statement and any applicable Supplementary Product Disclosure Statement .

Get your Comprehensive Car Insurance cover sorted.

You can purchase or switch to PowerTorque’s Comprehensive Car Insurance at any time to enjoy our Features and Benefits. 

Simply ask your car dealer to provide you with a quote.

Important documents 

Get to know your Comprehensive Car Insurance better.

Motor Vehicle Insurance Product Disclosure Statement

Effective for new business policies commencing on or after 25 March 2021 and renewal polices with a start date on or after 05 April 2021.

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1 MB

Motor Vehicle Insurance Premium, Excess, Discounts and Claims Guide

Effective for new business policies commencing on or after 25 March 2021 and renewal polices with a start date on or after 05 April 2021.

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1 MB

Motor Vehicle Insurance Product Disclosure Statement

Effective for new business policies commencing on or after 26 November 2020 and renewal policies with a start date on or after 26 December 2020.

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738 KB

Motor Vehicle Insurance Premium, Excess, Discounts and Claims Guide

Effective for new business policies commencing on or after 26 November 2020 and renewal policies with a start date on or after 26 December 2020.

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582 KB

Motor Vehicle Insurance Product Disclosure Statement

Effective for new business policies commencing on or after 1 January 2014 and renewal policies with a start date on or after 2 February 2014.

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661 KB

Motor Vehicle Insurance Product Disclosure Statement

Effective for new business policies commencing on or after 1 January 2014 and renewal policies with a start date on or after 2 February 2014.

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737 KB

Motor Vehicle Insurance Premium, Excess and Claims Guide

Effective for new business policies commencing on or after 1 January 2014 and renewal policies with a start date on or after 2 February 2014.

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2 MB

Supplementary Product Disclosure Statement (SPDS)

This SPDS, dated 1 May 2019, updates and should be read in conjunction with the Motor Vehicle Insurance PDS dated 1 January 2014 and any other applicable SPDS we may have given you.
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555 KB

PowerTorque Insurance Financial Services Guide

We provide finance and insurance services to customers and are the holder of an Australian Financial Services Licence Number 392536. Click here to download the Financial Services Guide.

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39 KB

PowerTorque Insurance Product Governance Policy

PowerTorque Insurance is committed to providing our customers with products that are suitable for their needs and meet their expectations.  This policy outlines how we respond to customer needs and expectations in our approach to the design, distribution and regular review of our products.

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67 KB

PowerTorque Insurance Complaints Guide

Effective from 1 July 2021, please refer to this guide for information about how PowerTorque Insurance will handle any complaint that you may have.

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61 KB

Family and Domestic Violence Policy

PowerTorque Insurance recognises that Family and Domestic Violence is a serious issue that may be affecting our customers and we are strongly committed to supporting them. This policy sets out how we will support those affected by Family and Domestic Violence.

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89 KB

Supplementary Product Disclosure Statement

This SPDS, dated 1 September 2021, updates and should be read in conjunction with the PowerTorque Comprehensive Motor Vehicle Insurance Policy and Product Disclosure Statement with preparation date: 5 February 2021 and any other applicable SPDS we may have given you.

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58 KB

Frequently asked questions

Imagine something unexpected happens to your vehicle. Could you afford costly repairs, or to replace your vehicle altogether? PowerTorque Comprehensive Car Insurance includes cover for accidental loss, damage (including fire and theft) and liability for property damage. 

You can purchase or switch to PowerTorque’s Comprehensive Car Insurance cover at any time to enjoy our range of Features and Benefits. 

The insurer is Aioi Nissay Dowa Insurance Company Australia Pty Ltd ABN 11 132 524 282, AFSL 443540 (Adica).

Making a claim

What you need to do 

We understand the inconvenience and stress of being involved in an accident or having your vehicle stolen. Help us help you by completing the checklist below so that we can assess your claim quickly and efficiently.

For assistance contact PowerTorque Insurance (as soon as possible) on 1300 906 350 and we’ll help you every step of the way.

When you have made sure you are safe, there are some steps you can take

At the accident scene:

Try to prevent further loss or damage – do everything you reasonably can to secure or recover your property and to minimise any risk of further loss, damage or liability. 

Report the accident or loss to the authorities – call the police immediately when required to do so  by law or when your vehicle is stolen or maliciously damaged. Keep a record of the incident or report number, as well as the name of the police officer, station and date reported. We’ll need a copy of the Police report to process your claim. 

Collect the details of all drivers, passengers, vehicles and witnesses – to assist us with lodging your claim: 

  • registration number of all vehicles involved; 
  • insurance company details of all drivers involved; 
  • full names, current residential addresses and phone numbers of all drivers, passengers and witnesses involved; and 
  • photos of the damage sustained to all vehicles (where safe to do so) using your mobile phone or camera. 

Contact us on 1300 906 350 – an experienced consultant will let you know what to do at the accident scene, take down all the details so there are no forms to fill in, and explain the claims process. 

Let's get in touch

We're here to help you

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See full Privacy Policy.

Insurance contact details

Phone

Claims or existing policy information: 1300 906 350
Mon-Fri 8:30am to 7:00pm AEST
Sat 9:00am to 4:00pm AEST

New policies: 137 800.
Mon-Fri 8:30am to 7:00pm AEST

Mail

PowerTorque Insurance,

PO Box 7212,

Melbourne VIC 3004

Disclaimers

Terms and conditions apply. This advice is general in nature and does not take into account your objectives, financial situation or needs. Before making a decision to purchase any of the insurance products you should consider the appropriateness of the advice taking into account your own objectives, financial situation and needs and refer to the current PDS and Target Market Determination for the relevant product available from participating Dealers, via our website at toyotainsurance.com.au or by calling 137 200. Toyota Insurance purchased in a dealership or via the Toyota Insurance National Customer Solutions Centre is facilitated by Toyota Finance Australia Limited ABN 48 002 435 181, AFSL and Australian Credit Licence 392536 as agent for, and on behalf of, the insurer. The insurer of Toyota Insurance is Aioi Nissay Dowa Insurance Company Australia Pty Ltd ABN 11 132 524 282, AFSL 443540 (Adica). If Toyota Insurance is purchased online, the issuer and insurer is Adica. Our warranty insurance policies do not change or take away your rights under the Australian Consumer Law. Your right to claim under our warranty insurance policies for the benefits covered is in addition to other rights and remedies you have under the law in relation to your vehicle. However, you can choose to make a claim under any of our warranty insurance policies even if you have rights under the law.

The information provided on this website by Toyota Finance Australia Limited ABN 48 002 435 181, AFSL and Australian Credit Licence 392536 is of a general nature and for information only. Nothing on this website constitutes or should be considered to constitute legal, taxation or financial advice. Before making a decision about any of the products and services featured on this website, you should consult with your own independent legal, taxation and financial advisors, who can advise you about your personal circumstances.

Target Market Determination document available here