Our verdict
Pros
- Pay monthly at no extra cost
- Option to choose any licensed repairer with Comprehensive Plus
- You'll be eligible for a car replacement If your car is written off in the first 3 years
Cons
- Any discounts may be limited by minimum premiums
- Comprehensive has a shorter new car replacement window than Comprehensive Plus

Hi, I have a 2002 Hilux tray back diesel, ute in good-very good condition,serviced and maintained
with less than 200K . My question is can I get comprehensive cover or other? It is used mainly for private use but is also used commercially for part time work. Would like your thoughts.
Hi Graham, I’d suggest getting quotes from a few different providers to see if they’ll cover you. Without knowing your personal circumstances it’s hard to say who will or won’t offer you cover. You’ll be able to get a more definitive answer from the actual insurer though. Hope this helps.