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ozinsure60
 Budget Direct Insurance
Owned By: Northern Territory Government Underwritten By: Territory Insurance Office (TIO)

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TIO is the Territory's own insurance and banking provider employing more than 250 staff. TIO has a strong branch network throughout the Territory, a local claims and call centre and offers a comprehensive range of products and services including insurance. TIO has become an important part of the Territory lifestyle and is a respected and trusted member in both the corporate world and the community.

TIO know how much Territorians rely on their car, so it makes sense to insure it. If you are at fault in an accident and have caused damage to someone else's car or property, the cost of repairs can be very expensive, especially if you have no insurance. That is why TIO car insurance offers a range of cover that will suit your needs. TIO services NT residents only.

Source: TIO

Comprehensive Motor
Owned by:
Northern Territory Government
Underwritten by:
Territory Insurance Office (TIO)
Owner of Underwriter:
Northern Territory Government
Pay by the Month:
Yes
Cooling off period:
21 days
24 Hour help line:
Yes
Sum Insured:
Market
NCB preserved - if at fault:
Only if you have NCD Protection
NCB preserved - if not at fault:
Yes
Rating 1 Protection:
I free claim if rating 1
Maximum No claim bonus:
65%
Uninsured Motorist Cover:
Full Cover
Maximum Claims for one event:
$20,000,000
Public liability cover available:
Yes
Death:
No
Legal Costs:
Yes (conditions)
Substitute Vehicle Cover:
3rd Party Property
Cover if driver not nominated:
Yes (conditions)
Ability to choose repairer:
Yes
Lifetime guarantee on repairs:
TIO authorised only (paintwork 3 years)
New Car Replacement:
12 months old
Essential Repairs:
$500 (if +100km away from home)
Emergency Accommodation &/or Transport:
Yes
Recovery, towing and storage after accident:
Towing
Accident Clean Up:
No
Personal effects covered in Collision &/or theft:
$300
Baby Captual & Child Seat:
Yes
Trailer cover available:
$500 for caravan, $1000 for tailer
Relacement Keys:
No
Rental car following theft:
$100 per day (mox $1000)
Rental car after accident:
No
Restricted Driver Discounts:
Optional (restrict
Windscreen Excess Reduction:
1 free (includes two free excess on repair)
Variable excess to reduce premium:
Yes
Remove excess for a fee:
No
Fire & Theft Motor
Owned by:
Northern Territory Government
Underwritten by:
Territory Insurance Office (TIO)
Owner of Underwriter:
Northern Territory Government
Pay by the Month:
Yes
Cooling off period:
21 days
24 Hour help line:
Yes
Sum Insured:
Market
NCB preserved - if at fault:
N/A (only comprehensive)
NCB preserved - if not at fault:
N/A (only comprehensive)
Rating 1 Protection:
N/A (only comprehensive)
Maximum No claim bonus:
N/A (only comprehensive)
Uninsured Motorist Cover:
No
Maximum Claims for one event:
Sum insured
Public liability cover available:
Yes
Death:
No
Legal Costs:
No
Substitute Vehicle Cover:
No
Cover if driver not nominated:
Yes (conditions)
Ability to choose repairer:
Yes
Lifetime guarantee on repairs:
TIO authorised only (paintwork 3 years)
New Car Replacement:
No
Essential Repairs:
No
Emergency Accommodation &/or Transport:
Yes
Recovery, towing and storage after accident:
Towing
Accident Clean Up:
No
Personal effects covered in Collision &/or theft:
No
Baby Captual & Child Seat:
No
Trailer cover available:
No
Relacement Keys:
No
Rental car following theft:
$100 per day (mox $1000)
Rental car after accident:
No
Restricted Driver Discounts:
No
Windscreen Excess Reduction:
No
Variable excess to reduce premium:
No
Remove excess for a fee:
No
Third Party Property Motor
Owned by:
Northern Territory Government
Underwritten by:
Territory Insurance Office (TIO)
Owner of Underwriter:
Northern Territory Government
Pay by the Month:
Yes
Cooling off period:
21 days
24 Hour help line:
Yes
Sum Insured:
Market
NCB preserved - if at fault:
N/A (only comprehensive)
NCB preserved - if not at fault:
N/A (only comprehensive)
Rating 1 Protection:
N/A (only comprehensive)
Maximum No claim bonus:
N/A (only comprehensive)
Uninsured Motorist Cover:
$3500
Maximum Claims for one event:
$20,000,000
Public liability cover available:
Yes
Death:
No
Legal Costs:
Yes (conditions)
Substitute Vehicle Cover:
3rd Party Property
Cover if driver not nominated:
Yes (conditions)
Ability to choose repairer:
Yes
Lifetime guarantee on repairs:
TIO authorised only (paintwork 3 years)
New Car Replacement:
No
Essential Repairs:
No
Emergency Accommodation &/or Transport:
No
Recovery, towing and storage after accident:
No
Accident Clean Up:
No
Personal effects covered in Collision &/or theft:
No
Baby Captual & Child Seat:
No
Trailer cover available:
No
Relacement Keys:
No
Rental car following theft:
No
Rental car after accident:
No
Restricted Driver Discounts:
No
Windscreen Excess Reduction:
No
Variable excess to reduce premium:
No
Remove excess for a fee:
No
Third Party Property (Fire & Theft) Motor
Owned by:
Northern Territory Government
Underwritten by:
Territory Insurance Office (TIO)
Owner of Underwriter:
Northern Territory Government
Pay by the Month:
Yes
Cooling off period:
21 days
24 Hour help line:
Yes
Sum Insured:
Market
NCB preserved - if at fault:
N/A (only comprehensive)
NCB preserved - if not at fault:
N/A (only comprehensive)
Rating 1 Protection:
N/A (only comprehensive)
Maximum No claim bonus:
N/A (only comprehensive)
Uninsured Motorist Cover:
$3500
Maximum Claims for one event:
$20,000,000
Public liability cover available:
Yes
Death:
No
Legal Costs:
Yes (conditions)
Substitute Vehicle Cover:
3rd Party Property
Cover if driver not nominated:
Yes (conditions)
Ability to choose repairer:
Yes
Lifetime guarantee on repairs:
TIO authorised only (paintwork 3 years)
New Car Replacement:
No
Essential Repairs:
No
Emergency Accommodation &/or Transport:
Yes
Recovery, towing and storage after accident:
Towing
Accident Clean Up:
No
Personal effects covered in Collision &/or theft:
No
Baby Captual & Child Seat:
No
Trailer cover available:
No
Relacement Keys:
No
Rental car following theft:
$100 per day (mox $1000)
Rental car after accident:
No
Restricted Driver Discounts:
No
Windscreen Excess Reduction:
No
Variable excess to reduce premium:
No
Remove excess for a fee:
No
Excess
Years to Rating 1
6 Years
Basic Excess
$300
<19 years old
$950
21-24 years old
$350
Licensed <2 years
$350
Variable Excess
No
Remove Excess
No
No Claims Discount (ncd)
Rating 3
40%
Not your Fault (no-fault)
No change
Rating 4
30%
Your Fault (at-fault)
Downgrade NCD if you don't hold NCD protection
Rating 5
20%
NCD Protection
I free if rating 1
Rating 6
Zero (0%)
Rating A1
65%
Rating 1
60%
Rating 2
50%