A trolley meets your door
Accidental damage · Comprehensive
Dents, scrapes and prangs to your own car, whoever’s trolley it was.
Car insurance
Your car.
Priced properly.
Give Gary the rego and the drivers once. More than one insurer prices it, you see every tier whole at the excess that was actually rated, and a real person places the policy.
The levels of cover
What each level actually covers.
Comprehensive is the level most private drivers on our panel are quoted for. Third party property is commonly chosen for an older car worth less than the excess would justify.
Private cars today. Third party fire & theft and commercial vehicles are on the list; ring us in the meantime.
ComprehensiveThird party property
Damage your car does to other people’s cars and property
ComprehensiveThird party propertyDamage to your own car in an accident
ComprehensiveThird party propertyYour car stolen, or damaged by thieves
ComprehensiveThird party propertyFire, storm, hail and floodas each PDS defines them
ComprehensiveThird party propertyYour car hit by an uninsured driverlimits apply
ComprehensiveThird party propertyHire car, windscreen and roadside extraswhere the insurer offers them
ComprehensiveThird party propertyA guide to the levels, not a policy. Every insurer’s PDS sets out exactly what it covers, and we link it beside every price.
When it happens
The Tuesdays car insurance
is for.
What each part of a policy responds to, in the order it tends to happen. Your quote shows which apply at the level you pick.
You nudge someone at the lights
Third party property · every level
The other car and the fence it ended up in. Included at every level we quote.
Hail on a Tuesday
Storm & hail · Comprehensive
Weather damage to the car, on the definitions written in each insurer’s PDS.
The driveway is empty
Theft · Comprehensive
The car stolen, or damaged in the attempt. Where it’s kept overnight is part of the price.
A stone off a truck
Windscreen · an optional extra
Some policies offer a windscreen option that waives the excess on a glass claim. The PDS says how.
Stuck on the Hume
Roadside & hire car · optional extras
Tick the extras you want and they’re priced into the quote rather than added at the end.
How it works
Three steps. One sitting.
Tell Gary about the car
The rego and state does most of it. We look the car up, so you’re not guessing at the variant.
The insurers price it
Each one rates the same answers. Tiers side by side, whole, at the excess that was actually rated.
A person places it
You pick and pay; a broker places the policy and your documents arrive by email.
Prestige, classic & modified
The good car gets its own insurer.
When the car is worth $100,000 or more, is 25 years old or older, or has been modified, the same form also goes to Prevail, a specialist insurer for prestige and classic cars.
- Its price lands on the same page as the rest of your quote
- Some come back as a referral to Prevail’s underwriters, and a broker follows it up
- Same form, same five minutes
Before you start
What the form asks.
Intake sheetabout five minutes
- The car
- rego and state, or make, model and year
- Where it lives
- the address it’s kept at overnight
- How it’s used
- private, commuting or work, and roughly how far
- The drivers
- everyone who drives it, and their licences
- The cover
- comprehensive or third party, and your excess
- The history
- claims and licence events, plainly
Nothing you don’t have to hand. If we already know it, we don’t ask.
Worth knowing
The bits people wish they’d read.
Why did my excess come back different?
Each insurer has its own set of excesses, and one sets a minimum per vehicle. If you choose a figure they don’t offer, the quote is priced at the nearest one they do and shows that figure, so the price and the excess on the card always belong together.
Market value or agreed value?
Market value is what the car would fetch the day before a claim, worked out by the insurer. Agreed value is a figure you set and the insurer accepts up front. Both are on offer; the PDS explains how each is applied at claim time.
Can I put two cars on one quote?
Each car gets its own quote and its own policy. A second car is a second quote: a few minutes, and most of the answers carry across.
What if my car can’t be priced online?
Rideshare or delivery work, a licence suspension in the last few years, or a car with unrepaired damage aren’t priced online by our panel. You’ll see why on the page instead of a number, and a broker can look at it properly.
Is this advice?
Everything here is general information only. It doesn’t consider your objectives, financial situation or needs. We explain how car insurance works and show what drivers commonly choose; read the PDS and decide what fits.
Keep reading
Cover
Home insurance
Building, contents or both, landlords included, compared in the same form.
See the coverClaims
How claims work with Gary
Who to call, what to send, and what your broker does from there.
Read onAbout
The Gary way
How we quote, how we’re paid, and the house rules we work by.
Read onGuides
Gary’s guides
Plain-English reads on what real policy wordings ask of you.
Read onOn the panel
Multiple insurers. One form.
Cars are priced by Blue Zebra and Clover, with Prevail for prestige, classic and modified cars. Each quote names its insurer, links its PDS, and shows what the premium includes and how we’re paid, in writing rather than in the fine print.