If you’re worried about expensive repair or replacement costs to both your vehicle and others, then a comprehensive policy is the best way to protect yourself.
If you don’t want to pay the price for repairs or replacement to someone else’s vehicle or property (when you’re at fault), you will need Third Party Property cover.
Third Party Fire & Theft cover protects you in the same way Third Party Property policies do; except it also includes cover for theft and fire damage.
The price of car insurance is greatly affected by who you are and how you drive. In fact, pensioners and women can even enjoy special products that reflect a lower claims risk.
Compulsory Third Party policies compensate anyone you seriously injure while driving. You can choose from several different providers, but only if you live in QLD, NSW, SA or ACT.
Your car insurance premiums are greatly impacted by where you live in your state/territory, what street you park on, and even whether you garage the car at night or not.
Car insurance extras are your perks for being insured. For example, you may receive a courtesy car when yours is getting repaired, or you could get your keys replaced if you lose them!
Classic car insurance policies are for owners of collectible vehicles that have historic value. If you’re going to the expense of buying such a car, insuring it for theft and damage protects that investment.
Classic car cover
An excess is a one-off payment you’ll have to make if you need to claim on your car insurance policy. The amount you pay is agreed on when you insure the car but has an impact on your premium.
You can insure your vehicle two different ways: by how much it is worth ‘in the market’ or by a dollar value agreed between you and your insurer. There are a few advantages to each.
You may still have a lot of questions. What are ‘no claim bonuses’? How should you go about claiming? And is car insurance worth your money? We’ve got the answers here.
Your premium is calculated by considering your driving history, the kind of vehicle you drive, your age, and several other factors. Understanding how your premium is calculated can help you save.