GUIDES & RESOURCES

Car Insurance Frequently Asked Questions

Learn more about the different aspects of car insurance, from comprehensive, third party fire and theft, third party property damage and compulsory third party cover, to waiting periods, rebates and surcharges.
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General

What’s the difference between agreed and market value of a car?

What are the different types of Car Insurance?

Which drivers must be listed on my policy?

What is Car Insurance?

What can Comprehensive Car Insurance cover?

Is there a best Car Insurance?

Is there a best Car Insurance?

Is there a cheapest Car Insurance?

What affects the price of Car Insurance?

Can you insure a hail-damaged car?

What is a nominated driver?

Comprehensive Car Insurance

What is comprehensive Car Insurance?

Are there any exclusions with comprehensive cover?

What’s the difference between Comprehensive and Third Party Car Insurance?

Does Comprehensive Car Insurance cover fire and theft?

Does Comprehensive Car Insurance cover windscreen replacement?

What happens if my car is a total loss?

What’s the difference between CTP and comprehensive insurance?

Third Party Property And Third Party Fire & Theft

What is Third Party, Fire and Theft Insurance?

What is Third Party Property Insurance?

What is Compulsory Third Party (CTP) car insurance?

What's the difference between Third Party Property insurance and compulsory third party (CTP) insurance?

Car Insurance Excess

What is a Car Insurance excess?

Does the excess apply to each accident or incident?

Can I change my Car Insurance excess?

Is there a driver-age excess?

Is there an unlisted-driver excess?

Who pays the excess on a Car Insurance claim?

Do I have to pay an excess if my car's been stolen?

Do I have to pay an excess if my car's been damaged by hail?

Do I have to pay an excess if my car's windscreen has been cracked or smashed?

Do I have to pay an excess if my car's been vandalised?

Do I have to pay an excess if my car's a write-off?

No-claim discounts

What is a no-claim discount?

What happens to my no claim discount if I make a claim?

Do you need proof of my no-claim discount from my previous insurer?

Does a no-claim discount guarantee my premium won’t increase?

Does theft affect my no-claim discount?

Does malicious damage affect my no-claim discount?

Does storm damage affect my no-claim discount?

How many years of claim-free driving can I accumulate?

Does my car have to be continuously insured for me to keep my no-claim discount?

Can I get a rating 1 for life?

How It Works

Can I insure a car that has been written off previously?

Can I get Car Insurance if I have had a suspended license?

Are older cars more expensive to insure?

What happens if I let my Car Insurance lapse?

Managing your policy

How can I find out about my Car Insurance claims history?

Can I get Car Insurance for multiple cars under one policy?

How can I see and change my Car Insurance policy details?

How do I change my contact details?

I'm selling my car – what do I need to do?

I'm moving house – do I need to let my insurer know?

Can I transfer Car Insurance to another car?

What is the process of renewing a policy?

How do I add a learner driver to my Car Insurance policy?

Mods & classic cars

Can Accessories and Modifications be covered?

Driving Off Road - Am I covered to drive off road or on the beach?

What qualifies as a classic car?

What happens if I let my Car Insurance lapse?

Claiming on car insurance

What should I do if I have a car accident?

How do I make a Car insurance claim?

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