Tokio Marine Motor Insurance

What’s covered (at a glance)

Damage or loss to your car (repair or market value if a total loss).
New-car replacement if your car is written off or stolen and not recovered within the first 12 months.
Towing & emergencies (reasonable towing to a repairer/place of safety; emergency repairs and transport home—limits apply).
Personal effects in the car (limits apply).
Hire car after theft (time/limit caps apply).
Legal liability for damage to others’ property (overall limit applies).

This is a summary only. Always check your PDS and schedule for full terms, limits, and exclusions.

A Basic Excess usually applies. It may be waived if you’re not at fault and you provide the responsible driver’s details (name, address, registration).
Age/Inexperienced Driver Excess may apply (e.g., under 25, or licensed less than two years). Glass-only claims may be treated differently.

You can use Tokio Marine’s repairer network (lifetime guarantee on network repairs) or choose your own licensed repairer. A second quote may be requested.
If the car isn’t drivable, towing can be arranged to a repairer.

For glass-only claims, you can contact O’Brien Glass on 13 16 16 and advise you’re insured with Tokio Marine, or call the claims line for guidance.

Fastest: submit the online motor claim form.
You’ll receive a claim number and the next steps (assessment, repair options).
Prefer phone? 24-hour claims assistance: 1800 229 272.

Do I need a quote? Using the recommended network often requires just one quote; your own repairer may need a comparison.
Will I get a hire car? Typically after theft (limits apply); other situations depend on your cover.
When should I notify Police? If someone is injured, a car needs towing, details aren’t exchanged, or a law may have been broken.