In 2016 alone, Queensland roads recorded 12,270 crashes, and 251 deaths from road crashes. A study by RACQ in 2016 showed that 8 out of the top 10 most dangerous roads in QLD as voted by drivers were highways and motorways; Pacific Motorway and Bruce Highway also ranked as some of the most dangerous roads in the country, with the highest number of fatalities.
In 2017, a quarter of Queensland’s road toll could be attributed to drink driving, while the other main road toll contribution factors included: speeding, not wearing a seatbelt, defective vehicles, and driving while distracted or tired.
On average, around 20 Queensland drivers are caught speeding more than 30km/h over the speed limit every day. This is an alarming statistic, given that travelling only 5km/h over a 60km/h speed limit can double your risk of being involved in a fatal crash.
If you’re looking to include all family members as drivers for the one car on the policy, you will be able to do so. However, your premiums will increase with each driver, especially if the drivers are under 25 or 30.
If you’re looking to insure multiple cars (one for each family member), then each car will need its own policy. However, Queensland families are usually able to bundle car insurance policies for all cars which are garaged under the same roof with the same insurer, to (possibly) receive a small, multi-car insurance policy discount. For every extra car you put on the same policy you may receive a percentage discount on your premium, although premiums for all the cars will usually need to be paid together on one bill. It is also important to consider who is named the primary driver of each vehicle, as younger drivers will increase premiums.
Families are also usually able to bundle their car insurance with their home & contents insurance through the same insurer to receive a small discount, but this will differ between providers and policies. Bundling car insurance for a Queensland family may be easier and cheaper (especially for younger drivers), but it might also inflate the cost for older, more experienced drivers.
Unfortunately, even comprehensive car insurance policies will generally not cover paint damage from wear and tear, deterioration, or exposure to weather (sun, sand, salt, rain, or water). As such, Queenslanders, particularly ones living next to the beach, may need to keep this in mind and protect their cars by parking it in the shade and covering it when practical.
Car paint damage may sometimes be covered through comprehensive cover, but you can generally only claim on it if the paint damage is the result of an insurable event on your policy like an accident, theft, hail, storm damage, sandstorm, hurricane, or – in some cases – vandalism
Queenslanders love a good bargain, which is why – short of limiting driver ages or bundling your policies – shopping around is the best way to get great value car insurance. That’s the benefit of using Compare the Market! We can provide a selection of affordable policy options side by side for you to compare. Whether you’re searching for basic cover or something more top-tier, comparethemarket.com.au can guide you in the direction of affordable car protection on Queensland roads.