Car Insurance

Whatever the weather, accident, damage or theft. This is car insurance you can be sure of.

Benefits Cover that knows your Toyota best

Our policies are designed by experts who know your Toyota inside and out, to help you get back on the road. We offer repairs using Toyota Genuine Parts^[F8] and a range of cover to suit your vehicle’s needs. Luff Motors is here to lend a hand.

Toyota quality and expertise

We’re the experts at insuring Toyota vehicles. With a specialist claims team and technicians who know your Toyota inside and out.
Reliability and care

Designed with the same reliability you expect from your Toyota vehicle. With new for old replacement (up to 3 years).
Genuine assurance

Comprehensive cover designed for Toyota owners and their vehicles. With a lifetime repair guarantee for authorised repairs.

How it works

What’s included

Accident cover

We’ll cover accidental damage to other people’s vehicles or property as well as your own.
Fire, hail, storm and flood cover

Cover for damage caused by weather‑related and environmental incidents.
Theft and vandalism cover

Cover for loss or damage following vandalism or theft of your vehicle, including up to $3000 for damaged or stolen tools of the trade for vehicles listed as business use. Insurance that works to keep you working.
Lifetime Repair Guarantee

Repairs that are authorised on your vehicle are guaranteed for your Toyota’s lifetime.
Toyota Genuine Parts

Our use of Toyota Genuine Parts to repair your vehicle within the first five years of your Toyota’s original registration helps to protect the integrity of your Toyota.
New for old Toyota replacement

We’ll replace your vehicle with a new one if your vehicle is damaged beyond repair within the first three years of its life.

Inclusions covered in your policy:

Towing costs to the nearest repairer or place of safety authorised – providing your vehicle cannot be driven safely
If the accident occurs more than 100 kilometres from your home, redelivery costs are covered
Agreed value to help ensure your peace of mind
Cover for damage to or accidental loss of other people’s property
Cover for learner drivers
Cover for keys, locks and barrels
Cover for damaged accessories and modifications (exclusions apply, review the PDS for more information)
New replacement vehicle after total loss within the first 3 years of your vehicle’s original date of registration
New replacement vehicle after total loss up to a maximum of 4 years of your vehicle’s original date of registration if financed under Toyota Access^[F6]
Toyota Certified Pre-Owned Vehicle total loss benefit

Caravan, trailer, and boat cover
Finance gap benefit up to a maximum of $10,000 if your vehicle is financed with Toyota Finance^[F6]
Up to $1,000 of personal items
Up to $3000 for damaged or stolen tools of the trade for damaged or stolen vehicles listed as business use
Up to $800 for child car seats and baby capsules
Up to $800 reimbursement for emergency vehicle repairs
Emergency trip continuation for accidents that occur over 100kms from your home
Insurance continuity for replacement vehicles following a total loss
Rental car following not-at-fault collision or theft for up to 30 days
Lifetime Repair Guarantee on all authorised repairs
Up to 14 days of temporary cover if you purchase another vehicle.

We’ll cover your car rental

Rental car following not‑at‑fault collision

While your vehicle is being repaired, or if your vehicle has been declared a total loss, we will provide you with a rental car if:

a preferred rental supplier is available, we'll arrange and cover the daily rental cost.
a preferred supplier isn’t available, you can arrange your own rental car and we’ll cover up to $100 per day, insurance included.

Coverage lasts up to a maximum of 30 days until your claim is settled if your vehicle is a total loss, vehicle is repaired, or until your claim is settled, whichever happens first. Please refer to the ‘Additional Terms and Conditions - our standard conditions for rental cars’ section of the Toyota Car Insurance Policy for our standard conditions (including insurance cover for the rental car) which apply to all rental car benefits in this policy.

What you can add to your policy:

Rental car following any accidental damage

If you pay the additional premium for the ‘Rental car following any accidental damage’ option; while your vehicle is being repaired, or if your vehicle has been declared a total loss, you will be provided with a rental car.

We’ll arrange and cover the daily rental cost if a preferred rental supplier is available. In the case that a preferred supplier isn’t available, you can arrange your own rental car and we’ll cover up to $100 per day, including insurance.

Coverage lasts up to a maximum of 30 days until your vehicle is repaired, or until your claim is settled if your vehicle is a total loss, whichever happens first. Please refer to the Toyota Car Insurance Policy.

Excess-free glass cover option

Paying the additional premium for the ‘Excess-free glass cover’ option enables us to offer a one-time replacement of your vehicle’s windscreen, window or sunroof glass if damaged accidentally, with parts compliant with Australian Design Rule standards. You won’t need to pay any type of excess that applies to your policy for the first glass cover claim where the only damage sustained to your vehicle is glass breakage.

In addition to the one-time free glass replacement, you’ll also be covered for two excess-free repairs per period of cover.

If you’re claiming on a second or subsequent occasion for glass replacement during the cover period, you will need to pay the basic excess that applies to your policy.

Ready to get going?

We’re here at Luff Motors to help get you on the road.

Get a Quote

Frequently asked questions

Unsure about anything? No worries. Here are answers to some of our more Frequently asked questions to help steer you in the right direction.

If your vehicle is under a finance contract with Toyota Finance Australia and:

We have declared your vehicle a total loss
Your finance contract payout amount is more than the agreed value of your vehicle
You have not received a replacement vehicle under the ‘Replacement with new vehicle after a total loss’ additional benefit

We will pay the agreed value of your vehicle and also pay an additional finance gap amount towards the outstanding balance of your finance contract up to a maximum of $10,000.

See all faqs

Get started with your personalised repayment

Get your Toyota Personalised Repayments^[F6] in as little as 3 minutes

GET YOUR REPAYMENTS

PRODUCT DISCLOSURE STATEMENT Understand your cover

We’ve made some changes to our Toyota Car Insurance Policy and Product Disclosure Statement (PDS), which is why there are two versions of the PDS depending on when you purchased or renewed your policy. It’s important to download your PDS and understand your cover, so you’re informed if you need to make a claim.

New policies

Effective for new business policies commencing on or after 17th November 2024 and renewal policies with a start date on or after 17th December 2024.

Download PDF
Older policies

Effective for new business policies commencing between 25th March 2021 and 16th November 2024, and renewal policies with a start date between 5th April 2021 and 16th December 2024. Purchased before 18th Nov.

Download PDF

Important Documents

Click to view document
Effective for new business policies commencing on or after 17th November 2024 and renewal policies with a start date on or after 17th December 2024.

Click to view document
Effective for new business policies commencing between 25th March 2021 and 16th November 2024, and renewal policies with a start date between 5th April 2021 and 16th December 2024.

Please note we have updated our Comprehensive Motor Vehicle Insurance product on the 17th November 2024.

Click to view document
Effective for new business policies commencing on or after 17th November 2024 and renewal policies with a start date on or after 17th December 2024.

Please note we have updated our Comprehensive Motor Vehicle Insurance product on the 17th November 2024.

Disclaimers

[F8] Terms and conditions apply. For Toyota vehicles within five years of original registration, genuine parts will be used to repair the vehicle. Refer to PDS for exclusions and further details.

[F6] Approved applicants only. Terms and conditions apply. Toyota Finance is a division of Toyota Finance Australia Limited ABN 48 002 435 181, AFSL and Australian Credit Licence 392536.

[F13] Toyota Roadside Assist is administered by Toyota Finance, a division of Toyota Finance

[TF2] Terms and conditions apply. This advice is general in nature and does not take into account your objectives, financial situation or needs. Before making a decision to purchase any of the insurance products you should consider the appropriateness of the advice taking into account your own objectives, financial situation and needs and refer to the current PDS and Target Market Determination for the relevant product available from participating Dealers, via our website at https://www.toyota.com.au/car-insurance or by calling 137 200. Toyota Comprehensive Motor Vehicle Insurance purchased in a dealership or via the Toyota Insurance National Customer Solutions Centre is facilitated by Toyota Finance Australia Limited ABN 48 002 435 181, AFSL and Australian Credit Licence 392536 as agent for, and on behalf of, the insurer. The insurer of Toyota Comprehensive Motor Vehicle Insurance is Aioi Nissay Dowa Insurance Company Australia Pty Ltd ABN 11 132 524 282, AFSL 443540 (Adica). If Toyota Comprehensive Motor Vehicle Insurance is purchased online, the issuer and insurer is Adica.

Car Insurance

Benefits Cover that knows your Toyota best

Toyota quality and expertise

Reliability and care

Genuine assurance

How it works

Accident cover

Fire, hail, storm and flood cover

Theft and vandalism cover

Lifetime Repair Guarantee

Toyota Genuine Parts

New for old Toyota replacement

Ready to get going?

Frequently asked questions

Get started with your personalised repayment

PRODUCT DISCLOSURE STATEMENT Understand your cover

New policies

Older policies

Important Documents

Disclaimers

Luff Motors