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Explore car insurance options, premium rates and policy features
Car insurance can help protect against financial loss arising from insured events, subject to the terms, conditions, limits and exclusions of the policy.
Car insurance comes in different forms and car insurance policy terms and conditions can vary significantly from one car insurer to the next.
Comprehensive Car Insurance
Comprehensive car insurance generally covers damage to your own car from events such as collisions, theft, fire and storms, as well as liability for damage your car causes to other people’s property. Cover is subject to the policy terms, conditions, limits and exclusions.
Comprehensive car insurance policies can vary considerably in price, features, terms and conditions, so it is important to review the available options carefully.
Third Party Property Car Insurance
Third party property insurance generally does not cover loss or damage to your own vehicle, but may provide a lower-cost way to cover liability for damage caused to other people’s property in connection with the use of your car.
Third party property damage insurance is often less expensive than comprehensive car insurance, although premiums vary between insurers and policies. It is important to read the Product Disclosure Statement (PDS) carefully to understand what is and is not covered.
Third Party Fire and Theft Car Insurance
Third party fire and theft insurance generally adds cover for fire damage to, or theft of, your own car to third party property cover. It generally does not cover collision damage to your own car. Check the policy limits and exclusions.
Compulsory Third Party Car Insurance
Compulsory third party (CTP) insurance is generally required as part of motor vehicle registration and relates to personal injury arising from motor vehicle accidents. Scheme rules and benefits differ between states and territories. CTP does not cover damage to vehicles or other property and is separate from third party property insurance.
Car Insurance Policy Excess
A car insurance excess is the amount you may need to contribute towards a claim. Whether an excess applies, and how much you pay, depends on the policy and the circumstances of the claim.
Car insurance policies often include a "standard" or "basic" policy excess and some policies may also apply additional excesses for younger or inexperienced drivers. Some insurers allow you to choose a higher excess in exchange for a lower premium. Check whether multiple excesses can apply to the same claim and whether you could afford the total amount.
Car Insurance Premiums
Car insurance premium is the term used for the cost of a car insurance policy over the term of the car insurance policy. Car insurance premiums are usually expressed as a yearly (or annual) car insurance premium.
Many insurers also offer monthly payment options, allowing policyholders to spread premium payments over the course of the year. Compare the total annual cost, as paying monthly may cost more than paying annually.
Policy Features and Claims Considerations
When comparing car insurance quotes, look beyond the premium. Check whether your car is insured for an agreed value or market value, the property liability limit, and whether benefits such as hire car cover, windscreen cover or choice of repairer are included or optional extras.
Review exclusions and restrictions relating to drivers, vehicle modifications and how the car is used, including business or rideshare use. Before arranging repairs after an incident, check the insurer’s claims instructions and any approval requirements. Keep photos, incident details and receipts to support a claim.
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