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We’ve compiled this table of benefits to help you see the differences between the levels of cover. This information should be used as a guide only, as different policies and insurers might offer varying coverage.
Usually the highest level of cover available, it includes protection for your car and also covers damage to other people’s vehicles and property.
Generally covers damage you cause to other people’s vehicles and property. It also includes protection for your car for fire and theft.
It provides cover for damage you cause to other people’s vehicles and property. It only covers your car if it’s damaged by an uninsured vehicle.
Usually the highest level of cover available, it includes protection for your car and also covers damage to other people’s vehicles and property.
Generally covers damage you cause to other people’s vehicles and property. It also includes protection for your car for fire and theft.
It provides cover for damage you cause to other people’s vehicles and property. It only covers your car if it’s damaged by an uninsured vehicle.
In addition to having Compulsory Third Party (CTP) cover, there are three types of car insurance worth considering: comprehensive car insurance, Third Party Fire and Theft (TPFT) and Third Party Property Damage (TPPD).
If you ever need to repair or replace your car because of storm damage, theft or accidental damage, having suitable car insurance could help with the costs.
If you drive in the sunshine state, there are some handy car insurance features that you may want to consider adding to your policy.
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Looking for great value car cover in Queensland? Our Economic Director David Koch shares our expert tips to help you save.
The Sunshine State is a delight to explore by car, but paradise is not accident-proof! Whether you’re motoring to Mooloolaba, steering to Southport, or navigating the tropical north, it’s crucial to know you’re insured for any hiccups along the way. Queensland drivers wanting insurance for damage to their vehicle have a few options. Third Party Property Damage will cover you for damage you cause to other people’s vehicles and property and, in limited circumstances, your own vehicle.
Third Party Fire & Theft adds cover for fire and theft on top of that. And comprehensive car insurance covers damage to your car and more, for the ultimate piece of mind. But finding suitable cover doesn’t mean being taken for a ride. Compare the Market has these tips to help you save.
Shift your excess. If you’re a safe driver, you could pay less on your premium if you chose to pay a higher excess in the event of a claim. Update your details. Small changes like parking your car in a garage overnight or restricting your policy to drivers aged 25 and over could lower your premiums.
If you’re now driving less because you’re working from home, see if a low kilometre policy could be right for you. Pay your way. Pay fortnightly, monthly or annually to suit your budget and cash flow, but remember paying in instalments can be more expensive than paying annually. And – most importantly – compare your options!
It’s the best way to make sure you’re getting good value for your money. Start your journey today with Compare the Market.
A comprehensive car insurance policy provides wide-ranging cover for your vehicle if it’s stolen or damaged in a traffic accident, by a malicious act or from weather events such as storms and floods. It also covers damage you cause to someone else’s car or property.
Third Party Fire and Theft cover can insure you against damage to other people’s cars when you cause a motor accident. You also have limited cover when your vehicle is damaged or destroyed by fire or stolen.
Third Party Property Damage insurance is there to cover the damage to another driver’s vehicle or other people’s property if you’re the at-fault driver in an accident. Depending on your insurer, this type of car insurance can provide a limited amount of cover for your car’s total loss or damage in an accident. However, you’ll only be covered under certain circumstances (e.g. if the other party is an uninsured driver).
CTP insurance covers your legal liability for the death or injury of another person in an accident involving your vehicle. It’s a legal requirement to have CTP insurance to drive in Australia and is usually included in your vehicle registration. Queensland drivers can nominate their CTP insurer.
It depends on the level of cover you’re looking for. CTP insurance is mandatory in Queensland, but it won’t cover vehicle and property damages.
Comprehensive car insurance covers your vehicle for the most insured events and generally offers a wider range of optional extras. However, it’s also the most expensive type of cover.
TPFT and TPPD could be suitable if you’re looking for cheaper cover that provides financial protection if you damage someone else’s vehicle. Depending on your car insurance provider and type of cover, third party car insurance policies may also offer limited cover for your own car as well.
The type of insurance you get for your car is down to your choice and circumstances. You should always read the relevant Product Disclosure Statement (PDS) for specific limitations and conditions of your cover. It’s also important to read through the Target Market Determination (TMD) so you can be sure the product you choose is appropriate for your situation.
This table sums up the cover offered by each to help you decide what suits best.
Insurance type | Damage to your car | Damage to another person’s car or property | Damage or loss caused by fire and theft | Injuries or death to others in an accident |
---|---|---|---|---|
CTP | ✗ | ✗ | ✗ | ✓ |
TPPD | ✗ | ✓ | ✗ | ✗ |
TPFT | ✗ | ✓ | ✓ | ✗ |
Comprehensive | ✓ | ✓ | ✓ | ✗ |
Some features and extras that QLD drivers might find handy can include:
Different insurers may have different options available to you. Be sure to check the full details of any car insurance policy by reading the relevant PDS.
The cost of car insurance can vary greatly, as insurance providers calculate your premiums based on factors that are unique to you, including your:
Furthermore, any car modifications, add-on cover and additional listed drivers can also increase the cost of your car insurance premiums. So, you can see that there’s no set answer for how much car insurance costs in QLD.
If you want an idea of how much car insurance may cost, read more about factors that impact your premium and how car insurance is calculated.
While your actual insurance coverage doesn’t change in each state, you might find that your premiums will be vary based on where and even how you live. This can include:
There’s no one answer to this question, as the cheapest car insurance for you might not be the cheapest for someone else. However, there are certainly ways you can lower the cost of your car insurance, such as:
You can also lower your premiums by opting to pay a higher excess; just make sure it’s an amount you can afford if you need to claim.
If your car was damaged in a car accident and you believe the other driver was at fault, you need to get their contact and vehicle details to pass on to your insurance provider. Your insurer will then manage the case and notify you of any progress.
If the other driver is determined to be at fault for the accident, their insurer will pay for the damages or accidental loss to your vehicle or property.
Car insurance covers your vehicle and not individuals, but it’s still important to list anyone you expect to drive your car as an additional driver on your policy if required by your insurance provider. Generally, learner drivers don’t need to be listed, but check with your insurer.
Adding additional drivers to your policy may impact the amount you pay. Factors such as each driver’s age and driving history will also affect premiums. For example, you’ll usually be charged more to have an inexperienced or younger driver (e.g. those under 25) listed on your policy. You may incur extra excess fees if an unlisted driver is involved in an accident when driving your car.
Unfortunately, most car insurance policies won’t cover paint damage from wear and tear, deterioration, or exposure to weather (sun, sand, salt, rain or water). As such, Queenslanders may need to protect their cars by parking in the shade and covering them when practical.
For a full list of all the exclusions and additional excesses listed in your car insurance policy, check the PDS.
Car insurance doesn’t generally cover motorcycles or caravans. A range of car insurance companies do offer motorcycle insurance or caravan insurance policies that work in a similar way.
Your car registration will be due either 3, 6 or 12 months after you last paid it, depending on which option you chose at the time. If you’re not sure of your registration status (e.g. if you’ve just bought a second-hand car) or you can’t remember when it’s next due, you can search for it on the Department of Transport and Main Roads website using your registration number or Vehicle Identification Number (VIN).
Comparing car insurance only takes minutes with our simple-to-use comparison service. To get quotes for your vehicle in Queensland, we’ll ask you for the following information:
As a General Insurance expert with over 13 years’ experience in financial services, Adrian Taylor is passionate about demystifying car insurance for consumers, so they have a better understanding of what they’re covered for. Adrian’s goal is to make more information available from more insurers, to make it easier to compare and save.