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It’s important to know you have the right cover for your situation. When it comes to motor vehicle insurance, everyone has different needs and priorities, and that’s why Eric gives you more than adequate cover with Comprehensive Car Insurance.


Key Benefits


Loss or damage to your vehicle

If your vehicle is damaged, stolen or burnt anywhere in Australia, Eric will at their option repair, reinstate or replace your vehicle and:

  • pay you the cost of repairing your vehicle; or
  • pay you up to the covered amount as shown on the Policy Schedule.
  • pay you up to the Amount Covered.

Legal Liability cover

If the driver of your vehicle causes accidental damage to someone else’s property as a result of the use of
your vehicle and is at fault, Comprehensive Cover includes up to $20 million Legal Liability cover.

Key Additional Benefits


Replacement of New Vehicle

If within 24 months of the date of first registration, your vehicle becomes a Total Loss, eric may choose to replace it with a new vehicle of the same make, model and series, subject to availability, or pay up to the Amount Covered.


Essential Repairs

If your vehicle is accidentally damaged, eric will pay up to a maximum amount for emergency repairs so your vehicle can be driven on to the intended destination or to your place of residence or employment.


Emergency Travel

Eric will pay for emergency travel and/or overnight accommodation in the event of your vehicle not being restored to a roadworthy and safe condition by Essential Repairs following an accident, theft or damage, over 100km from your home.


Hire Car After Theft

If your vehicle is stolen, eric will reimburse the cost of hiring a similar type of vehicle
up to the maximum policy limit, until your vehicle has been found and repaired or eric have replaced or indemnified you to the extent of the policy coverage.

Are you eligible?

The following eligibility rules apply to Eric Car Insurance:

  • Vehicle no older than 20 years
  • Vehicle to not have pre-existing damage
  • Vehicle not used for excluded purposes (Courier / Business Use / Hire (including Rideshare) / Rental / Delivery / Emergency Vehicle / Racing)
  • Vehicle is to be registered & roadworthy
  • Driver(s) to be licensed (as per the rules in relevant state or territory)
  • Driver(s) to have a driving and accident history that is acceptable to our underwriters

Find Out More

The information on this page is a summary only. For full terms, conditions, exclusions and key factors that influence the cost, please refer to the Product Disclosure Statement (PDS).

How to apply?

To get a quote, simply click on the button below and fill out the details about you and your car so that we can assess your eligibility and provide you with a quote.

Frequently Asked Questions

Can I add a driver to my comprehensive motor policy?

Yes, a driver can be added to the policy. In fact, all regular drivers of the vehicle should be listed on the policy. We will need to collect details such as the driver’s name, date of birth, drivers licence number, year of first licence and their driving history including any at fault accidents or traffic convictions in the last 5 years. This may impact the premium payable on the policy.

Are learner drivers able to drive the vehicle?

Yes, learner drivers are able to drive the vehicle as long as they are supervised by one of the nominated drivers listed on the policy and they comply with any applicable State laws. Normal age and driving history excesses will apply. See your policy for details.

Can I change the vehicle insured on my comprehensive motor policy?

The vehicle on the policy can be changed, however the policy will be re-rated to reflect the new vehicle on risk. The premium payable may be impacted. Once complete, a Certificate of Currency will be forwarded verifying the change.


Comprehensive Car Insurance is issued by Eric Insurance Limited ABN 18 009 129 793 AFSL 238279 (eric). This website may contain general financial product advice that does not take into account your personal financial circumstance.

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