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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 a wider range of insured events, including cover for damage to your own car, subject to the policy terms, conditions and exclusions. Comprehensive car insurance also usually covers damage that may be caused to other property including the property of others.
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 PDS carefully to understand what is and is not covered
.Compulsory Third Party Car Insurance
Compulsory third party car insurance is generally required as part of motor vehicle registration and is intended to cover certain liabilities for personal injury to third parties arising from the use of a motor vehicle.
Car Insurance Policy Excess
Car insurance policy excess refers to the amount that an insured person must contribute toward the cost of any car insurance claim connected with a comprehensive or third party insurance policy.
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 car insurance companies make it possible to reduce the car insurance premium (the cost of purchasing the car insurance) by voluntarily accepting a higher policy excess..
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.
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Please note that some of our calculators may use assumptions that are not necessarily applicable to your current specific circumstances and we therefore cannot always guarantee their accuracy. You should always seek professional financial advice from a licensed professional before proceeding with any financial recommendations.
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