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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 help cover the cost of repairs to your vehicle in the event of accidental damage, malicious damage, theft, fire, hail, and third-party damage – regardless of whose fault it is1. Some policies will even cover certain items...
Generally, Comprehensive Car Insurance can help cover the cost of repairing your car in the event of: collision, accidental damage, and weather damage.
This type of add-on typically allows you to repair or replace your windows or windscreen when damaged once a year without paying an excess or for a reduced excess.
If you get into trouble, this could help with things like towing, lost keys, or dead batteries. Before you get stranded on the side of the road, make sure you understand what your policy does and doesn’t cover in this area. This can be found in the terms and conditions of your cover.
If you are without your car during a claim, your policy might cover a hire car so you can still get around while you wait up to the timeframes allowed.
This could include the ability to choose from an agreed value or market value if your vehicle is totalled or stolen and not revered.
Compulsory Third Party insurance is, well, compulsory. Any further insurance coverage you take out in addition is entirely up to you. Before you compare Car Insurance, you should know the types of Car Insurance available.
There are four types of Car Insurance in Australia:
How much insurance you have is up to you. It’s important to remember that if you find yourself in a situation where you need to pay for damage to someone else’s car, taking out a Comprehensive Car Insurance policy could save you a lot of money in the event of an incident occurring (1).
Sources:
1. https://moneysmart.gov.au/glossary/comprehensive-insurance
A range of factors will make up the cost of your policy. Insurers use complicated algorithms that are impossible to debunk completely, but we can share some of the common factors that could come into play. These include (1):
While some of these factors might be out of your control, there are things you can do that could lower your premium. Other than getting older, keeping accident-free is the best way to help keep your monthly costs lower.
Sources:
1. https://moneysmart.gov.au/car-insurance/choosing-car-insurance
When shopping for a Comprehensive insurance quote, be on the lookout for exclusions. In many cases, exclusions to Comprehensive Car Insurance are common sense. Things like:
Other exclusions apply to your vehicle and its condition. Exclusions in this category include:
There are other exclusions that might apply to your policy – in fact the exclusions section of your policy will likely be pages long. But grab a cuppa and read it all, because you’re ultimately responsible for understanding the Product Disclosure Statement, which outlines the specifics of your policy.
Sources:
1. https://drinkwise.org.au/drinking-and-you/is-there-such-a-thing-as-safe-drink-driving/#
2. https://www.vicroads.vic.gov.au/safety-and-road-rules/road-rules/penalties