The Northern Territory (NT) is home to some of Australia’s brightest and wildest natural beauty, from Kakadu National Park to traversing the long and straight Stuart Highway to Uluru or plopping down with your caravan along the white sands of East Arnhem Land. Wherever you live and drive in the NT, it’s important that you have a suitable car insurance policy in place to take care of mishaps and misadventures on the roads.
Car insurance can come with a wide range of benefits and features, some of which may be included automatically in your policy and others that need to be added. Keep in mind, though, that any added cover is likely to increase your minimum premiums.
Some additional benefits and optional cover for your car insurance can be:
Car insurance is a valuable product to have on your vehicle no matter where in Australia you are, so the question is less about whether you need cover and more about whether you can afford the cost of not being covered.
For example, could you afford the repair costs for an expensive vehicle you damage in an accident that’s your fault? Or can you easily replace your own vehicle if it’s written off after an engine fire? If these scenarios and more could cause a major dent in your finances, car insurance could be handy to have to give you peace of mind that these costs can be covered by your insurance provider.
Your postcode is one factor that can play a major part in how much your insurance will cost. If you live in an area in the Northern Territory with a high car theft rate or near roads notorious for accidents, your premiums will reflect this risk to insuring your car.
Some other factors that can affect your car insurance premiums include:
If you’re looking to lower the cost of your vehicle’s insurance in the Northern Territory, you might be able to do the following (depending on your policy and needs):