Auto Physical Damage Insurance Products

Compare 87 products offered for Auto Physical Damage Insurance from 39 companies including MECON Insurance Group Pty Ltd, Swann Insurance (Aust) Pty Ltd, and AXA XL.

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 31 to 40 of 87
Product name Max Coverage Min Premium Exclusions
Driveline Commercial / Fleet - Bus and Coach by Global Transport and Automotive Insurance Solutions Pty Ltd Max Coverage AUD35M Min Premium N/A

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Driveline Commercial / Fleet by Global Transport and Automotive Insurance Solutions Pty Ltd Max Coverage AUD30M Min Premium N/A
  • overloaded or unsecured loads
  • unlicensed, impaired by drugs or alcohol, refusal to undergo test
  • unsafe vehicles
  • wilful acts, omissions or recklessness

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Private / Business Motor by QBE Insurance (Australia) Ltd Max Coverage AUD33M Min Premium N/A
  • damage to tyres by application of brakes, road cuts, punctures or bursts
  • faulty design or workmanship of vehicle parts
  • mechanical damage caused by escape of oil or coolant unless whilst the vehicle is being driven by a thief
  • wear and tear

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Off Road Bike / ATV / Go-Kart by One Underwriting Pty Ltd Max Coverage AUD5M Min Premium N/A
  • hire or loss of hire of the vehicle
  • legal liability of any nature whatsoever, unless a specified registered trailer
  • loading and unloading of the vehicle onto a conveyance or trailer
  • physical use of the vehicle (ie ridden under its own power), unless a specified registered trailer
  • theft away from home garaged address, the vehicle was not secured to a fixed object at the time of the theft
  • theft of the vehicle from home garaging location, unless secured to a fixed object at the time of the theft

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Fleet and Heavy Haulage by QBE Insurance (Australia) Ltd Max Coverage AUD33M Min Premium N/A

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Dirt Bike by Dawes Underwriting Australia Pty Ltd Max Coverage N/A Min Premium N/A
  • damage to tyres by application of brakes, road cuts, punctures or bursts
  • loss of use, depreciation, wear and tear, rust and corrosion
  • mechanical, structural, electrical or electronic breakdown or failure
  • modifications from the manufacturers’ original specification for the model and series
  • outside of Australia
  • unlicensed, impaired by drugs or alcohol, refusal to undergo test
  • unsafe or unroadworthy condition
  • used for business use

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Marinas, Wharves, Piles, Jetties and Pontoons by Nautilus Marine Boat Insurance Max Coverage N/A Min Premium N/A

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Commercial Motor by Fleetsure Pty Ltd Max Coverage AUD33M Min Premium N/A
  • accident, injury, loss or damage whilst any vehicle is being used in or on an airport or airfield
  • asbestos
  • damages caused by the vehicle while being used in any digging or excavating activites
  • underground mining
  • used for conveyance of passengers for hire, fare or reward
  • vehicles lifting a load, where the weight or, the dimension of load, is in excess of that for which the vehicle was designed or lawfully registered to carry

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Prestige Motor by Wymark Insurance Brokers Pty Ltd Max Coverage N/A Min Premium N/A

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Transport Operators Package by Australian Transport and Logistics Insurance Group Pty Ltd Max Coverage AUD10M Min Premium N/A
  • (see summary of exclusions for a full list)

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Frequently Asked Questions

(click to expand)

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.