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Everything Car Insurance
Need help getting to grips with car insurance?
We’ve got you covered with lots of useful information.
Getting started
Do I need car insurance?
While only compulsory third party (CTP) insurance may be mandatory, lots of Aussie drivers choose to extend their coverage with other types of car insurance too. Whether you’re repairing your car or the one you accidentally hit, it might be worth it.
When should I start my car insurance?
If you’re planning on getting a new car, starting your car insurance on the right foot from day one could mean greater peace of mind for you.
Do I want comprehensive or third-party insurance?
Comprehensive car insurance can be a no-brainer for new car owners or for drivers who want more protection. Third-party insurance could mean less cover but a be a more budget-friendly option. Of course, there’s more to these two options, too.
How can I find cheaper car insurance?
Whether you’re trying to stick to a budget or just love a bargain, there are tricks you can try to trim down your car insurance premium without compromising your coverage.
Does moving house change my car insurance costs?
Moving house comes with plenty of paperwork, and that includes updating your car insurance. Where you move to and even where you park your car at your new address could affect your premium. But you might be able to make some cost-cutting changes too.
How do I switch car insurance?
If it’s time to say goodbye to your current car insurance, there are a few steps you can follow to make things run smoothly, as well as help get yourself better value from your next policy.
More on car insurance
No-claim discounts explained
No-claim discounts don’t just help make driving safer; they could mean you save on your car insurance, too. However, there are a few ins and outs to be aware of if you’re hoping to grab this discount.
Windscreen replacement costs
While it might be a simple fix in theory, replacing or repairing your car’s windscreen can quickly run up a bill. But don’t start worrying just yet – your car insurance could save the day.
Agreed value vs market value
If you’re comparing car insurance options, or simply going over your existing policy, understanding the difference between agreed value and market value is key. Otherwise, you could be in for a shock if you ever need to make a total loss claim.
Car insurance excess
No one looks forward to making a claim on their car insurance, but if that day comes, you’ll want to know about your excess. This can include when and how it applies, as well as how much cash you’ll need on hand at the mechanic.
Tips for saving money on car insurance
If you’re looking to tighten your belt, reviewing your car insurance may be worthwhile. There are tips you can try whether you’re buying a new car, looking to tweak your current policy, or want to start afresh.
The factors behind car insurance premiums
Insurance is all about risk, so it’s no surprise that the factors that determine your car insurance premium also depend on risk levels. But did you know that you could help put your insurer’s fears at ease and possibly reduce your premium?
Car insurance by state
Car insurance in New South Wales
New South Wales is a big place with plenty of roads, and plenty of drivers calling it home. As a result, it’s never a bad idea to brush up on your NSW car insurance knowledge.
Car insurance in Victoria
There’s plenty to distract Victorian drivers, whether it’s hook turns, avoiding trams, or the beauty of the Great Ocean Road. Being across car insurance in Victoria could save you from plenty of headaches in and out of the car.
Car insurance in Queensland
With so much land to get around, driving is all but a necessity in Queensland. If you’re going to drive on Queensland roads, though – even if it’s just to work and back – knowing how car insurance works up north could come in handy.
Car insurance in South Australia
Being a proactive driver in South Australia is about more than organising a lift home after a trip to one of the state’s wine regions. Learn what to expect from your premium, what options you can pick from, and more.
Car insurance in the Australian Capital Territory
The ACT might be small compared to other states, but it still has plenty of car insurance quirks Canberrans will need to wrap their heads around.
Car insurance in Western Australia
In WA, driving can bring plenty of tricky situations. Understanding car insurance in WA could let you breathe a sigh of relief, whether you’ve gambled on getting to the next petrol station in time or had a merging mishap in Perth’s CBD.
Car insurance in Tasmania
Tasmania might sometimes feel left out from the mainland, but, just like other states, it has its own twist on car insurance. From the average premium to the areas where cars most often go missing, Tasmania has a unique car insurance landscape.
Car insurance in the Northern Territory
From dust storms to an emu stampede, there’s plenty that makes driving in the NT an adventure. But every good adventurer knows that knowledge is power, and that includes knowing about car insurance in the NT.
Compulsory third party (CTP)
CTP and Green Slips in New South Wales
In New South Wales, CTP is known as a Green Slip. However, that’s not the only difference you’ll want to know about when it comes to NSW and CTP in order to avoid some costly consequences.
CTP in Victoria
In Victoria, you might hear people talk about CTP and the Transport Accident Charge (TAC). Handily, they’re one and the same. But every state treats CTP differently, and Victoria is no exception.
CTP in Queensland
In Queensland, you’ll hear CTP and Motor Accident Insurance Commission (MAIC) talked about in the same breath. And when you’re thinking about CTP, this Queensland twist on how things are handled isn’t the only one the sunny state has in store.
CTP in South Australia
CTP can be a tricky beast – and that includes in South Australia. Where some states may have no-fault compensation, South Australia takes another route. So, what does that mean for you when you’re on the road?
CTP in the Australian Capital Territory
Confused about whether you need both CTP and Motor Accident Injuries (MAI) insurance? Well, the good news is they’re one and the same. But are there any other ACT quirks that could trip you up when it comes to CTP?
CTP in Western Australia
Western Australia doesn’t do things by halves; and that includes CTP. They bundle it with Catastrophic Injuries Support (CIS) as part of a Motor Injury Insurance Policy, and all drivers need to get it. But what does that mean for you?
CTP in Tasmania
Tasmania boasts some of the lowest CTP premiums in the country. But are there other surprises waiting for you in the world of CTP in Tassie?
CTP in the Northern Territory
The Motor Accidents Compensation Scheme (MAC Scheme) is the Northern Territory’s version of CTP. A change in name isn’t the only difference, though, when it comes to how the territory manages CTP.
Types and options
Types of car insurance explained
Like chocolate, car insurance comes in different types. But rather than following your tastebuds, we recommend following your head, and getting to know which type speaks to you and your wallet.
Car insurance for 4WDs
If off-roading isn’t often in your calendar, regular car insurance could be all you need to cover your four-wheel drive. But things can get more complicated if you’re looking to go off the beaten track.
Car insurance for imported cars
If your car has taken quite a journey to get to your garage, we’re sure you want to see it properly protected, including with insurance. But does going further afield for a car mean you’ll also need to go beyond the norm to get it insured?
Car insurance for modified cars
Whether you’re boosting your car’s performance or accessibility, any modification to a car can impact how you go about insuring it, including what your premium is.
Car insurance for luxury cars
For some drivers, a luxury car is one that’s the latest and greatest, while for others it’s about classic lines and vintage looks. Whichever camp you fall into, you’ll find some common ground in the quirks that come with insuring a less common car.
Multi-vehicle car insurance policies
If your home has more than one car under the roof, a multi-vehicle policy could be a way to streamline your household admin (and maybe even your premiums).
Different drivers
Car insurance for first-time drivers
If you’re a first-time driver, car insurance might help you feel more comfortable behind the wheel, giving you some much-appreciated peace of mind. Plus, with a few tips, you could even tweak your premium so it doesn’t spook your wallet.
Adding a learner driver to your car insurance
Learning to drive is stressful. At least car insurance can take some of the tension out of the learner driver’s (and your) hands. The trick is knowing how to add this new driver to your policy.
Car insurance for young drivers
If you still need to rack up a few more kilometres on your own internal odometer, things can look a little different insurance-wise. But that doesn’t mean car insurance is more hassle than it’s worth.
Car insurance for P-platers
If you’re new to driving on your own, it’s time to get familiar with car insurance. Whether you choose to purchase your own policy or jump onboard your family’s, there are plenty of important decisions to make.
Car insurance for seniors
Just like being able to order cheaper pub meals or get discount movie tickets, being older has its advantages when it comes to car insurance. Of course, it’s all a matter of being informed.
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