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From Hobart to Launceston

Living in Australia’s southern-most state and in need of car insurance? Compare the Market is Australia’s #1 car insurance marketplace.

From Hobart to Launceston, compare and buy car insurance in Tasmania with ease today.

Want to learn more about your car insurance options? We explain it all below.

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What types of car cover are available in Tasmania?

Comprehensive

Comprehensive car insurance is the broadest level of cover available. This type of car insurance policy covers repair costs for both your car and other vehicles or property that you damage. It can even cover damage caused by things like storms and hail! Optional extras such as personal effects cover, roadside assistance and more can also be added to a comprehensive policy.

Third Property Damage

Third Party Property Damage insurance covers other vehicles and property that you damage with your car in an accident that was deemed your fault. It doesn’t cover accidental damage to your car, nor does it cover damage to your car caused by things like fires and storms.

Third Party Fire & Theft

Similar to Third Party Property, Third Party Fire & Theft insurance covers other cars for damages caused by your car. While it still won’t cover your car in the case of an accident, it will cover repair or replacement costs if your vehicle is stolen or destroyed by fire.

Compulsory Third Party (CTP)

CTP insurance is mandatory for all motorists in Tasmania. If someone is injured or killed as a result of your driving, CTP generally covers any liability you may be subject to. It’s usually bundled in with your registration fees through the Motor Accidents Insurance Board (MAIB).

What features do Tasmanian drivers look for in comprehensive car insurance?

Comprehensive car insurance provides the broadest cover for many different scenarios, and may include damage from hail, storms, fires and theft. You may also have a choice of optional extras to add to your policy that can prove to be valuable. Some of these options can include:

drivers in tasmania

Which type of insurance should I get?

With the exception of CTP, car insurance is completely optional. However, given the limitations of CTP, it’s worth considering extra coverage for your car.

The additional insurance you should buy will depend on how you value your car and what incidents you want to be covered for. There’s a range of car insurance policies out there, spread across different tiers. Here’s a quick comparison of what each type of insurance generally covers.

Insurance typeDamage to your carDamage to another person’s car or propertyDamage or loss to your car caused by theft or fireInjuries or death to other people in an accident
CTP
Third Party Property Damage
Third Party Fire & Theft
Comprehensive
Note: There are more factors and variables that may affect your level of coverage. Always refer to your Product Disclosure Statement (PDS), which includes important information specific to your policy.

How much does car insurance cost in Tasmania?

The price of car insurance depends on a lot of factors, including:

  • Your car’s model, age and kilometres
  • Your Tasmanian address
  • Your claims history
  • Where you keep your car at night
  • The level of car insurance you buy

Because of this, the price of car insurance varies widely across insurance providers, policies and drivers. If you want an idea of how much car insurance may cost you, you can complete a quote through our free car insurance comparison service.

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Driving in Tasmania: How will it affect your insurance?

Where you live can have an impact your policy. The amount of crime in your neighbourhood in Tasmania, where you park your car and the overall safety of the roads are all factors that can affect how likely you are to make a claim. This in turn can influence your premium.

Being one of the few places in Australia that actually sees snow, there are a few things to be mindful of that could affect your car insurance in Tasmania. For example, some car insurance exclusions (events that aren’t covered) include using snow tyres at the wrong time of year or filling up the tank with the wrong type of petrol.

Car crime in Tasmania

As beautiful as Tasmania is, it still has its fair share of car thefts and it pays to be vigilant when taking care of your car.

In 2021, there were 780 car thefts reported in Tasmania.1 Out of these incidents, there were 645 short term thefts (where the vehicle was later recovered). When you’re at home, it’s always a good practice to make sure your car is secure – particularly since the data shows half of car thefts in 2021 occurred in residential areas.2

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Frequently asked questions about car insurance in Tasmania

How are car insurance premiums calculated?

There are a number of factors car insurance providers take into account when calculating your premium. Here are just a few things that might affect the price of your policy:

  • How long you’ve held your license. Experienced drivers generally get the most competitive premiums.
  • Where you live. Driving around the city is very different from driving in a rural area. Therefore, your premium will vary depending on your location.
  • Your car. How much your car is worth, its age and overall kilometres are just a few things that can impact your premium.
  • Where you store your car. Keep your car in a garage, driveway or on the street? Parking in more secure areas generally attracts lower premiums.
  • Driving and claims history. People who haven’t made claims in the past (in Tasmania or the rest of Australia) will generally pay lower premiums.
  • How you use your vehicle. Do you drive to work every day or only on the weekend? The amount you use your car will affect your premium.

What is an insurance excess?

Excess is the amount you agree to pay for making a claim. So, if you select an excess of $600, this is the amount you would have to pay when you make an insurance claim. However, with car insurance, you generally only have to pay an excess when you’re found to be at fault or if your claim doesn’t involve a third party, or the insurer cannot recover damages from the responsible third party.

If you were not at fault and the insurer charges you an excess, they will refund your excess once they recover it from the third party who was responsible.

Excess amounts vary depending on the policy and some providers even offer lower premiums if you agree to pay a higher excess. Conversely, paying a lower excess can lead to paying higher premiums. You may also find that depending on the circumstances of your claim, you might have to pay more than one excess (e.g. if a driver under 25 years old was driving when an accident happened).

I’m moving house. Will my car insurance change much?

Potentially, yes. Your Tasmanian postcode affects your insurance premiums, because your new neighbourhood may have a higher or lower incidence of drivers making insurance claims. Say you’re moving from Burnie to Glenorchy, an address update with your insurer may result in your premium either increasing or decreasing.  Where you park your car overnight in Tasmania also affects your premium. For example, if you previously parked in a garage but you’re now parking on the street, your premiums may rise to reflect the increased security risk.

Finally, the rate of traffic accidents both in your new neighbourhood and on your route to work can also affect your insurance premium. It’s wise to give your provider a call when you plan on moving, so you can budget for the new price.

If I switch insurance providers, can I keep my no claim discount?

Most providers will honour your no claim bonus (also referred to as a no claim discount) if you switch your car insurance.

Does car insurance cover towing?

Car insurance can cover towing if it’s listed in the PDS. This will usually depend on the type of policy you have. For example, Third Party Fire & Theft insurance may cover towing after a theft or fire incident. Comprehensive car insurance can cover towing for more scenarios, but sometimes this is available as an optional extra.

Will car insurance cover my caravan?

Some comprehensive car insurance policies provide cover for caravans and trailers, but this usually only applies when your car is towing the caravan. Some insurance companies offer specialised caravan insurance as a standalone policy.

Sources

1 Theft Watch – 12 months to June 2021. National Motor Vehicle Theft Reduction Council. 2021.
2 Recorded Crime – Victims. Australian Bureau of Statistics, Australian Government. 2021.

Stephen Zeller, General Manager

Car insurance tips for Tasmanians from Stephen Zeller, General Manager of General Insurance at Compare the Market

  1. If you move home, you might think to update your home and contents, but you also need to update car insurance. Where you live and park your car will have an impact on the premium you pay.
  2. People often think that a hire car is automatically included in their comprehensive cover, no matter the circumstances. In fact, a hire car is generally only included when it’s a no-fault accident. However, this does also vary across insurance providers, so it’s important to read and understand your PDS.
  3. If you have a brand-new car, your insurance might offer new-for-old replacement if it’s a write-off, depending on set criteria. For some providers, it’s a timeframe of the first two years after purchase, while other policies might stipulate one or three years instead. Some might even have a combination of years and a kilometre limit. If you own a new car or are looking to buy one soon, be sure to check what it’s covered for in your PDS.
  4. Paying your premium annually instead of in monthly instalments may actually save you money; some providers might offer a discount for lump sum premium payments.
  5. Depending on your policy, adjusting your excess payment may in turn change the premium you pay. Choosing a higher excess will lower your premium and is worth considering if you’re comfortable with a higher excess in the event of a claim.

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