Guild Car Insurance

Enjoy new for old replacement on vehicles less than two years old and a comprehensive range of benefits with Guild car insurance.

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Guild Insurance is an Australian-owned and operated insurer that has been looking after the cover needs of its customers since 1963. If you’re looking for car insurance that can give you the peace of mind you need to hit the road, Guild’s comprehensive car insurance offers new car replacement for cars less than two years old, your choice of repairer and a wide range of other benefits.

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What policies are available from Guild

Comprehensive car insurance

Comprehensive car insurance from Guild covers your vehicle against loss, damage or theft anywhere in Australia. This includes new for old replacement of vehicles less than two years old, as well as cover for your trailer, emergency repairs and towing costs. Your personal effects and a hire car after theft are also included in cover, while the policy provides up to $20 million of legal liability protection when your vehicle is involved in an accident that causes death or bodily injury to other people or damage to someone else’s property.

Guild car insurance levels of cover

Comprehensive car insurance
  • Australia-wide cover
  • Covers loss, theft and damage
  • Choice of agreed or market value cover
  • New vehicle replacement for cars up to 2 years old
  • Emergency repairs and accommodation
  • Hire car after theft
  • Cover for trailer and personal effects
  • Your choice of repairer
  • Accidental death benefit
  • $20 million legal liability cover
  • Flexible premium payment options
  • 21-day money-back guarantee

What won't be covered?

Guild comprehensive car insurance will not cover your claim if:

  • Your vehicle was being used for something other than a permitted use
  • Your vehicle was being driven by an unlicensed person or someone who was not authorised to drive it
  • It is for theft of your vehicle while being shown for sale (unless you were a driver or passenger at the time)
  • Your vehicle was being driven by someone under the influence of alcohol or drugs
  • Your vehicle was engaged in any form of racing
  • Your car or any trailer attached to it was being used while overloaded
  • Your vehicle was being used in connection with your occupation, trade or business
  • It is for loss or damage to vehicle modifications (unless the insurer has agreed to cover them)
  • Your vehicle was being used while in an unsafe or unroadworthy condition
  • It is for tyre damage caused by braking or by road punctures, cuts or bursts
  • It is for loss of use, depreciation, wear and tear, rust or corrosion
  • It is for mechanical, structural, electrical or electronic breakdown or failure
  • It is caused by an intentional act by you or by a person acting with your consent
  • Your car was being used to carry passengers for hire or reward
  • Your car was being used outside Australia
  • It is caused by the lawful repossession of your vehicle

Guild car insurance excess

When you make a claim under your policy, you may be required to pay an excess. The following excesses may apply to your policy:

  • Standard excess. This is the minimum amount you must contribute to each claim.
  • Age excess. This excess applies in addition to the standard excess for drivers who are under the age of 25.
  • Inexperienced driver excess. If you’re a learner driver or a driver who is over 24 years of age but have not held your Australian licence for two consecutive years or more, the inexperienced driver excess applies.
  • Imposed excess. An imposed excess may replace the standard excess on your policy at the insurer’s discretion based on your insurance history, driving record, vehicle type or other factors.

How to save on your Guild car insurance policy

There are several things you can do to reduce the cost of your Guild car insurance premiums, such as:

  • Choose a higher excess. This will result in lower premiums.
  • Keep your car garaged. Cars kept in a locked garage overnight are cheaper to cover than cars parked on the street.
  • Drive less. The greater the distance you drive each year, the more your comprehensive car insurance policy will cost.
  • Choose market value cover. Agreed value cover tends to cost more than market value cover.
  • Fit security devices to your vehicle. This will reduce the risk of theft and therefore lower your premiums.
  • Don’t select extra-cost benefits. Adding extra benefits to your policy will increase the premium.
  • Discounts. Guild Insurance offers special promotional discounts from time to time. Keep an eye out for these when applying for cover.

Making a claim

If you need to make a claim on your Guild comprehensive car insurance policy, you can phone the insurer’s claims hotline. You’ll need the following information ready when you call:

  • Your policy number
  • A detailed description of the events that caused your claim
  • The name, address and phone number of anyone involved in the incident (including witnesses)
  • Police report details (if your claim is for theft or malicious damage)
  • GST details, for example your ABN
  • An estimate of the loss or damage to your vehicle

Your claims adviser will be able to guide you through the process and help you get a repair quote.


Guild car insurance is well worth a look if you’re searching for comprehensive cover for your vehicle. However, remember to compare it with policies from a variety of other insurers before deciding whether it offers the right cover for you.

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