When deciding which policy or insurer to choose, you should consider how to get the right level of cover at an affordable price. The following features could have a significant impact on your premium:
Be sure to check the full details of any car insurance policy before you buy by reading the relevant Product Disclosure Statement (PDS)
The cost of comprehensive car insurance in QLD varies between customers, so finding an average cost is difficult without considering your personal circumstances. Factors that may impact what you pay include your:
Read more about factors that impact your premium and how car insurance is calculated.
Car insurance covers your vehicle and not individuals. It’s important to list anyone you expect to drive your car as an additional driver on your policy. Generally, learner drivers don’t need to be listed, but check with your insurer.
Be aware that adding additional drivers may impact the amount you pay. Factors such as each driver’s age and driving history will also affect premiums. You’ll usually be charged more for inexperienced or younger drivers (e.g. those under 25). You may incur extra excess fees if someone not listed as an additional driver on your vehicle is involved in an accident.
If your family has multiple vehicles, each car will require its own policy unless you can take out a multi-vehicle car insurance policy (which may reduce premiums and paperwork). For every extra car you put on the same policy, you may receive a percentage discount on your premium, although premiums for all cars will usually need to be paid together on one bill. It’s 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 and contents insurance through the same insurer to receive a small discount, but this will differ between insurers and policies. Bundling car insurance for a family may be easier and cheaper (especially for younger drivers), but it might also inflate the cost for older, more experienced drivers.
Compare car insurance through our free comparison service today.
Unfortunately, even comprehensive car insurance policies generally won’t cover paint damage from wear and tear, deterioration or exposure to weather (sun, sand, salt, rain or water). As such, Queenslanders, particularly those living next to the beach, may need to protect their cars by parking in the shade and covering them 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 accident, theft, hail or storm damage, not natural wear and tear.
For a full list of all the exclusions, terms and conditions 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.
Queenslanders love a good bargain, which is why shopping around is the best way to get great-value car insurance. That’s the benefit of using our comparison service.
We can provide a selection of affordable policy options side by side for you to compare for free. Whether you’re searching for basic cover or something more extensive, we can guide you in the direction of affordable car protection on QLD roads. Compare your car insurance options today with our free comparison service.
1 Theft Watch – 12 months to June 2021. National Motor Vehicle Theft Reduction Council. 2021.