Auto Physical Damage Insurance Products

Compare 87 products offered for Auto Physical Damage Insurance from 39 companies including Allstate Underwriting Agencies Pty Ltd, Car Rental Insurance Pty Ltd, and Enthusiast Underwriting Pty Ltd.

Our Insurance Comparison Tool allows you to pick the Physical Damage policy that's right for you and your car by comparing every plan offered by Canada's leading insurance providers. At a loss? Check the Frequently Asked Questions at the bottom of the page.

Compare Auto Physical Damage Insurance Policies

Products 21 to 30 of 87
Product name Max Coverage Min Premium Exclusions
Fleet and Heavy Haulage by Fleetsure Pty Ltd Max Coverage N/A Min Premium N/A
  • unsafe or unroadworthy condition

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All Risks Pleasure Craft by Nautilus Marine Boat Insurance Max Coverage N/A Min Premium N/A

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Individual Golfer by One Underwriting Pty Ltd Max Coverage AUD20M Min Premium N/A

more details
Comprehensive Motorcycle by mi-bike Motorcycle Insurance Max Coverage AUD20M Min Premium N/A

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Meisterauto by One Underwriting Pty Ltd Max Coverage AUD20M Min Premium N/A
  • damage arising from wear and tear
  • damage to tyres by application of brakes, road cuts, punctures or bursts
  • electronic data
  • motor trade
  • used for hire, courier services, driving lessons for reward, ride sharing for reward or as a taxi
  • used in an unroadworthy or unsafe condition
  • used to carry passengers for reward unless it is a private pooling arrangement or the reward is a travelling allowance paid by the insured's full-time employer
  • vehicles used on a race track or any similar activities / driver skills training course unless driver training and education cover is agreed upon

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Securus Motor Vehicle by One Underwriting Pty Ltd Max Coverage N/A Min Premium N/A
  • certain drivers

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Commercial Hull by Proteus Marine Insurance Max Coverage N/A Min Premium N/A

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Heavy Motor Vehicle Fleet by HMIA Pty Ltd Max Coverage AUD10M Min Premium N/A
  • damage arising from wear and tear
  • damage to tyres by application of brakes, road cuts, punctures or bursts
  • loss / damage to any agitator, barrel, bowl or tanker trailer or pump and their fittings
  • used for the cartage of excluded goods (explosive, toxic, radioactive or asbestos products)

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Motor Car and Motorcycle by Ryno Insurance Services Max Coverage N/A Min Premium N/A

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Driveline Transport by Global Transport and Automotive Insurance Solutions Pty Ltd Max Coverage AUD35M Min Premium N/A

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Frequently Asked Questions

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What Is Auto Physical Damage Insurance?

Auto Physical Damage (APD) insurance provides coverage for a vehicle owner against perils such as collision, vandalism, fire or theft. Whether a vehicle has been stolen or damaged, Auto Physical damage provides financial protection against the costs of repairs or a replacement.

Who Needs Auto Physical Damage Insurance?

Vehicle owners, whether they are individuals or business owners, need APD insurance. Whilst most territories require vehicle owners to purchase Auto Liability insurance before allowing vehicles on the road, most vehicle owners also choose to purchase APD as well.

Several types of vehicle are able to be insured under an Auto Physical Damage insurance policy:

  • owned auto (auto owned by a named insured)
  • hired, rented, leased or borrowed auto
  • non-owned auto (vehicles used in business but not owned or leased by them)

Any vehicle such as a car, truck, trailer or van is eligible for APD insurance as long as they fit the above criteria.

Depending on the use of the vehicle it is possible to buy either a Personal Auto insurance policy or a Business Vehicle insurance policy.

What Does Auto Physical Damage Insurance Cover?

APD insurance is broken down into three separate types of coverage:
  • collision coverage: describes losses resulting from a collision of a covered vehicle with any object or from the vehicle overturning
  • comprehensive coverage: providing for losses from causes such as mechanical breakdown, flood, fire, theft, glass breakage, falling objects, explosion, earthquake or collision with a bird or animal
  • specified perils coverage: similar to comprehensive coverage but instead of being all-inclusive it only covers named risks.

Some Commercial Auto insurance policies also include towing and labour costs in their coverage, or award costs up to a specified limit.

Other features such as roadside assistance or rental vehicle coverage may also be included depending on the scope of the insurance policy.

What Is Not Included In Auto Physical Damage Insurance?

Certain types of physical damage are excluded from most APD insurance policies, including:, racing or stunt activities, blowouts or other tire damage, war related damage, and certain other types of wear and tear

How Much Does Auto Physical Damage Insurance Cost?

The cost of APD insurance will depend on several factors such as the market value of the vehicle and the estimated cost of repairs.

The cost of the premium will also depend on the type of coverage required. A named peril policy will have a lower premium than comprehensive coverage, however this will also mean that certain types of loss or damage may not be covered, resulting in the policy owner having to pay for repairs themselves.

Coverage is not generally subject to a limit. Instead, the insurer will pay the lesser of either the actual cash value of the damaged vehicle or the cost to repair or replace it. If the cost to repair the vehicle exceeds its actual cash value, the insurer will likely declare the vehicle a total loss.

Each physical damage coverage is subject to a separate deductible but it is possible to reduce a physical damage premium by increasing the deductibles. A loss payment made by the insurer may include a deductible (the deductible may already have been subtracted). Alternatively, the insurer may calculate a loss payment without the deductible and then bill for the deductible amount.