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Toyota Genuine Insurance

The Toyota guarantee

Toyota Car Insurance is a comprehensive car insurance policy with a high level of protection for all Toyota vehicles, providing additional benefits exclusive to Toyota owners.

What’s included for your Toyota

Accident cover

Accident cover

For accidental loss or damage to your vehicle, as well as loss or damage to other people's vehicles and property.

Fire, hail, storm and flood cover

Fire, hail, storm and flood cover

For environmental and weather-related damage to your vehicle.

Theft and vandalism cover

Theft and vandalism cover

For loss or damage to your vehicle as result of theft or vandalism.

Lifetime Repair Guarantee

Lifetime Repair Guarantee

When we authorise repairs to your vehicle, the work is guaranteed for the life of the vehicle.

Toyota Genuine Parts

Toyota Genuine Parts

We'll protect the integrity of your Toyota by using Toyota Genuine Parts for authorised repairs within the first five years of the vehicle's original registration.

New for old Toyota replacement

New for old Toyota replacement

If your vehicle is damaged beyond repair and less than three years old, we’ll replace it with a new one.

✓ Towing costs to nearest repairer or place of safety authorised by us, if your vehicle cannot be driven safely.

✓ Re-delivery costs if the accident occurs more than 100 kilometres from your home

✓ Agreed value to give you peace of mind

✓ Cover for accidental loss or damage to other people’s property

✓ Cover for learner drivers

✓ Glass cover optional - excess-free glass cover available for additional premium.

✓ Keys, locks, barrels

✓ New replacement vehicle after total loss

✓ Toyota Certified Pre-Owned Vehicle total loss benefit

✓ Trailer, boat and caravan cover

✓ Personal items up to $1,000

✓ Baby capsules and child car seats up to $800

✓ Emergency repairs to vehicle reimbursement up to $800

✓ Emergency trip continuation for accidents more than 100 kms from home

✓ Insurance continuity for replacement vehicles following a total loss

✓ Rental car following theft for up to 30 days

✓ Lifetime Repair Guarantee on all authorised repairs

✓ Temporary cover if you purchase another vehicle, for up to 14 days

What you can add to your policy

Excess-free glass cover option

If you pay the additional premium for the Excess-free glass cover option we will repair and replace your vehicle’s windscreen, sunroof or window glass if accidentally damaged, with parts which are compliant with Australian Design Rule standards. You will not be required to pay any type of excess that applies to your policy for the first glass cover claim where glass breakage is the only damage sustained to your vehicle.

If you are claiming on a second or subsequent occasion for glass cover damage during the period of cover, you will need to pay the basic excess and any voluntary excess that applies to your policy.



Rental car following accidental damage

If you pay the additional premium for this optional benefit, you will be provided with the convenience of a rental car while your vehicle is being repaired or if deemed a total loss. We will either arrange a rental car for you and pay the daily hire rate, or alternatively authorise you to arrange a rental car for up to 14 days, or alternatively, we will authorise you to arrange a rental car.

Where we authorise you to arrange a rental car, we will reimburse you up to a maximum of $100 per day (inclusive of insurance). We will provide this rental car benefit: for a maximum period of 14 days; until your vehicle has been repaired and is able to be driven; or the date we settle your claim if your vehicle is a total loss, whichever happens first. Please refer to the ‘Additional Terms and Conditions – Our standard conditions for rental cars’ section of the Comprehensive Motor Vehicle Insurance Policy for our standard conditions (including insurance cover for the rental car) which apply to all rental car benefits in this policy.

Toyota Genuine Benefits

In addition to everything covered by the Comprehensive Motor Vehicle Insurance Policy, Toyota owners benefit from the only comprehensive car cover built for Toyota vehicles. You'll enjoy the same quality and reliability you expect from your Toyota.

Toyota quality

Toyota quality

No matter what happens to your vehicle, with Toyota Genuine Insurance you can count on quality.



Toyota has built a reputation on reliability and you can expect the same from Toyota Genuine Insurance – we’ve always got your back.

Keeping you moving

Keeping you moving

We cover travel expenses up to $500 from your accident, and in the event of a stolen car we’ll provide a rental car.


Frequently Asked Questions

  •  What does Comprehensive Car Insurance cover?

    Comprehensive Car Insurance will cover you for accidental loss or damage to your vehicle (including fire and theft), and to other people’s cars and property following an accident.

    With Toyota Car Insurance, you know you are in safe hands by choosing a policy developed by the people who know your Toyota best.

  •  I have a CTP. Do I need Comprehensive Car Insurance?

    Compulsory Third Party (CTP) Insurance only covers you for personal injury to a third party (pedestrians, cyclists and other road users) when your vehicle is involved in an accident. This insurance is compulsory and the way you pay differs per state. CTP does not protect you against damage to your car or any other vehicle or property involved in the accident.

  •  What does third party insurance cover?

    Third party car insurance offers cover for damage caused to someone else's vehicle or property if you're liable for it. This is different to Compulsory Third Party Insurance.

  •  What's different about Toyota Car Insurance?

    Toyota Car Insurance exists to provide cover for your Toyota. This means you don’t have to worry about the quality of repairs or parts used. While other insurers may only pay for substandard repairs and non-genuine parts, we guarantee your Toyota will remain a Toyota.

  •  What is insurance excess?

    An excess is the amount you may have to pay towards the cost of a claim under your policy. The excess amount may differ depending on your policy and the type of claim. Any applicable excess amounts will be stated on your Policy Schedule or in the Product Disclosure Statement. An excess is payable if you are deemed at fault or there isn’t another party that we can claim against.

  •  Does Toyota Car Insurance cover other vehicles?

    Toyota Car Insurance is designed for Toyota vehicle, however, you can insure other makes if you wish.

  •  How do I make a claim?

    For assistance contact Toyota Insurance as soon as possible on 1300 658 027 and we’ll help you every step of the way. For full details on what's covered please download the Toyota Insurance PDF guide.


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 or by calling 137 200. Toyota Car 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 Car Insurance is Aioi Nissay Dowa Insurance Company Australia Pty Ltd ABN 11 132 524 282, AFSL 443540 (Adica). If Toyota Car Insurance is purchased online, the issuer and insurer is Adica. Our warranty insurance policies do not change or take away your rights under the Australian Consumer Law. Your right to claim under our warranty insurance policies for the benefits covered is in addition to other rights and remedies you have under the law in relation to your vehicle. However, you can choose to make a claim under any of our warranty insurance policies even if you have rights under the law.

The information provided by Toyota Finance Australia Limited ABN 48 002 435 181, AFSL and Australian Credit Licence 392536 is of a general nature and for information only. Nothing on this website constitutes or should be considered to constitute legal, taxation or financial advice. Before making a decision about any of the products and services featured on this website, you should consult with your own independent legal, taxation and financial advisors, who can advise you about your personal circumstances.