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*iSelect does not compare all car insurers or policies in the market and not all policies or special offers are available at all times, through all channels or in all areas. Not all policies available from our providers are compared by iSelect and due to commercial arrangements and customer circumstances, not all policies compared by iSelect are available to all customers. Learn more.
Comprehensive car insurance can provide peace of mind, helping cover the cost of damage that may happen to your car due to theft or collision. Depending on your policy, car insurance can cover all or part of the cost of repairs or replacement, as well as the cost of damages to a third party’s car or property.
Third party property helps cover damage to other people’s car or property. Third party fire & theft provides additional cover to help cover your car if it’s damaged by fire or stolen. Comprehensive cover provides third party cover, as well as helping cover your vehicle if it’s damaged in an accident.
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This provides an extensive level of coverage. It can help cover the cost of repairs to your vehicle in the event of accidental or malicious damage, theft, fire, hail, and third party damage (regardless of fault).
This typically covers you for damage you cause to other people’s property, such as their car or property in a car accident. Unlike comprehensive, it typically doesn’t cover damage to your car.
This typically covers damage to other people’s property and can provide limited cover for damage to your car as a result of theft or fire. It typically does not cover you for other damage caused to your car.
As its name suggests, CTP is a minimum compulsory insurance required to drive on Aussie roads. Depending on which state you live in, it could be included in the cost of your vehicle registration, or you may have to purchase it separately from an insurer. CTP helps cover the cost of compensation claims if you injure or kill someone in a car accident.
After entering your registration, we’ll ask a few questions about your vehicle so we can help you find policies from our range of providers.
Consider the policy you’re looking to purchase. Are you looking for a new provider, a cheaper premium, and even better coverage?
When selecting car insurance, it’s important to understand your options. With iSelect you can compare comprehensive policies, and review monthly premiums, inclusions, and exclusions.
You may also consider optional extras from some providers, like roadside assistance or reducing the window glass excess.
Found a policy that works for you? Easily purchase the policy online or via phone with iSelect.
Before purchasing, always read the Product Disclosure Statement (PDS) to get a better understanding of policy limitations and exclusions - this could help avoid nasty surprises when it's time to claim.
Got a preferred car repairer you’ve always worked with? This optional extra gives you the ability to nominate your preferred repairer. By not selecting this option, the repairer could be solely at your insurer’s discretion.
If your car is essential for your work commute or general lifestyle, this optional extra may be of benefit to you. With this extra, your insurer may provide you with a replacement hire car for a set period of time, if your car is written off. This may come with an additional fee.
You could be driving along the highway, and a vehicle on the road ahead flicks up a stone that cracks or chips your windscreen. Typically, an insurer will charge you an excess to repair this damage, which could total hundreds of dollars. With this optional extra, you can choose to pay more on your policy premiums, and reduce the amount of excess you’d have to pay in the event that your windscreen needs repair or replacement.
With roadside assistance you’ll never have to fear being stranded if your car breaks down. Optional roadside assistance bundled with comprehensive cover from iSelect’s car insurance providers could include: battery assistance, tyre changes, towing, key rescue, emergency fuel, and more, depending on the provider and policy.
Comprehensive car insurance offers peace of mind to vehicle owners. Also known as full or complete cover, it means you can be covered for a range of circumstances, including:
Some companies offer a variety of optional extras as well, ranging from windscreen protection, to use of hire cars. That said, it’s important to always read the Product Disclosure Statement (PDS) of your policy to get a better understanding of policy inclusions, limitations and exclusions.
Third party insurance is the minimum car insurance product which most car insurers offer. There are three types available, which are:
Ensure you review the Product Disclosure Statement for policy inclusions, limitations and exclusions.
The amount you pay for car insurance ultimately depends upon how risky the insurance company thinks you are to insure. A number of factors can contribute to this, including your location, your driving history, and your age. According to the Transport Accident Commission (TAC), young drivers in Victoria are almost four times more likely to be in a car accident, which results in a serious injury or crash, than more experienced drivers. Factors like this may increase the car insurance premium for young drivers.
When you sign up for car insurance, you’re often asked whether you want to insure your car for an agreed value or for market value. This is the monetary figure you’ll receive from your insurer should your car be written-off. Market value takes into consideration depreciation and wear and tear, making it an accurate representation of the amount you would have received if you’d sold your car. Agreed value is an amount you and the insurer have agreed upon at the start of your policy for the period of insurance. In most cases, the figure may still reduce to account for depreciation at time of renewal. Ensure you review the Product Disclosure Statement for policy inclusions, limitations and exclusions.
While insurers calculate premiums differently, there are a number of things you can do which may reduce the cost of your car insurance premiums. These include but are not limited to:
If you’ve been insured by your provider for an extended period of time and haven’t made any claims during that period, you may be eligible for a no-claims discount. This discount is usually applied to your premium, partly as a reward for not making a claim and partly out of loyalty for you staying with your provider. Eligibility for the discount can vary depending on your insurance provider and their criteria. When reviewing policies and providers, it might be worth finding out about their no-claims discount and discovering the length of time that has to pass in order for you to be eligible. In some cases, insurance providers may carry over your no-claims discount from another provider. In some cases, a provider may not offer a no-claims discount, and will instead offer a reduced premium based on other risk related information.
Ensure you review the Product Disclosure Statement for policy inclusions, limitations and exclusions.
Whether your car insurance covers unlisted drivers ultimately depends upon your individual policy. It’s important you check with your provider to determine how an unlisted driver is taken into account for your policy. In some cases, it may increase the cost of your excess should they be driving when an accident occurs. In other cases, it could result in the refusal of a claim. Ensure you review your insurer’s Product Disclosure Statement for information about policy coverage, limitations and exclusions.
Just like some other forms of insurance, such as travel or home and contents insurance, car insurance can have an excess payment. It’s the charge you pay after making a claim in order to receive the benefits that your policy entitles you to (such as repair or replacement of your vehicle). You usually only pay an excess charge if you’re at fault or are unable to identify another party at fault. By paying an excess, you’re taking on a small part of the financial risk (which helps to reduce your premiums). If you’re able to identify a third party who is at fault, your insurance provider will then go to the third party to recover the costs – or their insurance provider. Ensure you review the Product Disclosure Statement for policy inclusions, limitations and exclusions.
How you make a claim depends upon your insurance provider and the options they’ve made available to you. Some providers allow you to start the claims process online or via their app, while others require you to contact them over the phone. Important details that your provider may request (if feasible) when making a claim can include but may not be limited to:
Unfortunately there is no "best" car insurance, as this depends upon your individual circumstances, needs, budget, lifestyle, and the type of car you drive. To help decide the level of cover you need, the Australian Securities and Investments Commission (ASIC) suggests considering the following questions:
*iSelect does not compare all car insurers or policies in the market. The availability of policies will change from time to time. Not all policies available from its providers are compared by iSelect and not all policies compared by iSelect are available to all customers. Some policies are available only from iSelect’s call centre or website. Click here to view iSelect’s range of providers.
iSelect General Pty Limited ABN 90 131 798 126, AFS Licence Number: 334115. Any advice provided by iSelect is of a general nature and does not take into account your objectives, financial situation or needs. You need to consider the appropriateness of any information or general advice iSelect gives you, having regard to your personal situation, before acting on iSelect’s advice or purchasing any policy. You should consider iSelect's Financial Services Guide which provides information about our services and your rights as a client of iSelect. iSelect receives commission for each policy sold.
**Based on iSelect data using Adobe Analytics Tracking Tool
