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GUIDES & RESOURCES

Car Insurance Northern Territory

If you live in the NT, you’d be used to the rugged roads your car has to endure. You’re probably also pretty good at getting your car serviced each year. But when’s the last time you checked in on your car insurance?
Young couple opening the doors to their car

*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.

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In the NT, all drivers are required to have Compulsory Third Party (CTP) insurance - it’s built into your car registration, so don’t panic, you probably already have it. But there are also some policies you might decide to consider, like third party property and comprehensive car insurance. If you have a crash, additional car insurance could help cover some of the cost of a big repair bill.

What types of car insurance are available in the Northern Territory?

Third Party Property

Third Party Property Insurance can help cover you for damages to other people’s car and property, but not your own. So let’s say you accidentally rear-end someone driving through Alice Springs and you put a nice dent in your car and an angry stranger’s Mercedes. Your insurance can help cover the other person’s damages, but not the dings to your own chariot.

Third Party Fire & Theft

Third Party Fire & Theft Insurance can help cover damage to your car by--you can probably guess this one--fire and theft. It can also help cover the cost of damage that you cause to another person’s car and property in an accident. Unfortunately if your car’s damaged by something other than fire or theft, you’ll be left to cover the cost of repairing and/or replacing it yourself.

Comprehensive

Comprehensive Car Insurance can help cover damage to your car and other people’s cars and property. This can include damage caused by fire and theft, accidental damage, malicious damage, weather damage and third-party damage regardless of who’s fault it is.

Compulsory Third Party

CTP insurance, or more commonly known in the NT as the Motor Accidents Compensation Scheme, can help provide personal injury cover and financial compensation should you cause an accident that results in the death or injury of a third party, including:

  • Passengers in your car;
  • Pedestrians and cyclists;
  • Other drivers/ motorcyclists and their passengers.

CTP insurance is compulsory in the NT and is automatically included in your car registration.
This table will give you a good overall breakdown of what’s typically included within each car insurance policy:

 

Car Insurance Type

 

Damage to your car

 

Damage to another person’s car

 

Damage or loss caused by fire or theft

 

Injuries or death to others in an accident

Third Party Property

No

Yes

No

No

Third Party Fire & Theft

No

Yes

Yes

No

Comprehensive

Yes

Yes

Yes

No

CTP

No

No

No

Yes

 

Do I need car insurance in the NT if CTP is included in my registration?

If you cause an accident, CTP insurance can help cover the cost of injury and death claims. But it won’t cover you for damage to your car or the other person’s car/property. That’s why you may consider other types of car insurance on top of CTP, to help avoid being left paying a scarily large repair bill after an accident. When choosing a car insurance policy, think about the level of cover you’re after. Comprehensive Car Insurance, for example, is the most extensive form of car insurance. Unlike CTP, if you get in an accident Comprehensive Car Insurance could help cover the cost of repairs and/or the replacement of your car.

How much does Car Insurance cost in the NT?

The cost of Car Insurance depends on a number of different factors, like your age, gender, the car you drive and how long you’ve been driving for. But here’s a break down of the average comprehensive premiums for iSelect customers in the NT in FY20 and FY21:

 

Female

Male

Age (group)

FY20

*FY21

FY20

*FY21

18 - 24

$1,572

$1,513

$1,302

$1,411

25 - 29

$1,075

$1,187

$1,101

$1,079

30 - 44

$1,020

$1,047

$1,167

$952

45+

$808

$782

$1,008

$822

*Based on comprehensive car insurance policies sold by iSelect. FY21 numbers are for the period 01 July 2020 - May 02 2021


Note: this is the average premium cost of iSelect customers. This does not compare the whole market.

What’s driving like in the NT?

Car insurance can be important to consider no matter where you are in Australia. The Northern Territory has the highest rate of fatal car crashes per 100,000 people in Australia and the highest rate of car theft out of any Australian state with 4.00 vehicles per 1000 registrations.

The top 5 locations for car theft in the NT are:

  1. Darwin
  2. Palmerston
  3. Alice Springs
  4. Litchfield
  5. Municipality

Top 5 cars vehicles stolen in the NT are:

  1. Toyota Hilux (MY05_11)
  2. Nissan Patrol
  3. Toyota Hilux (MY12_15)
  4. Holden Commodore
  5. Toyota Corolla

What should I keep in mind when looking for car insurance in the NT?

Here’s a list of things to consider:

  • Can other people drive your car under the same insurance (i.e. your partner or sixteen-year-old L-plater)?
  • What’s included and excluded in the cover?
  • How much is the excess (the amount you’ll have to pay to make a claim)?
  • How frequently do you have to pay your premium?

How do I find a car insurance policy in the NT?

A helpful thing to do is compare a range of different policies to find a suitable one for your lifestyle and budget. If that doesn’t quite sound like your cup of tea, ask iSelect to help! We love it. Compare Comprehensive and Third Party Property policies online from our range of policies and providers. Click here to get started today!

Sources:
1. https://www.bitre.gov.au/sites/default/files/documents/road_trauma_australia_2019_statistical_summary.pdf
2. https://carsafe.com.au/nt-study


Last updated: 27/07/2021

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