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Living in Australia’s southernmost state and in need of car insurance? There are a few car insurance options for you to choose from, so we’ll explain the different types, what they cover, their benefits and more so you can make an informed decision about the right policy for you.

Even better, you can compare and buy car insurance through our comparison service at any time, no matter whether you live in Hobart or Launceston.

Why compare car insurance with us?

Cover for any driver

Your car insurance needs are different from the next customer, which is why we have various providers and policies for you to choose from.

It’s simple to compare

Using some details about you and your car, you can search for a great deal in just minutes from a range of reputable car insurance providers.

Free to compare car insurance in Tasmania

Our car insurance comparison service is free to use. No hidden fees, just the power of comparison.

What types of car cover are available in Tasmania?


Comprehensive car insurance is the highest 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 can also be added to a comprehensive policy.

Third Party Property Damage (TPPD)

TPPD insurance covers other vehicles and property from accidental damage that you caused. In some circumstances, your insurer may offer limited cover for your car’s value in an accident. Typically, TPPD will not cover damage to your car caused by events like fires and storms.

Third Party Fire and Theft (TPFT)

TPFT insurance covers other cars for damages caused by your car. While it typically doesn’t cover your car in an accident, some insurers may provide limited cover for 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 should drivers look for in car insurance in Tasmania?

Comprehensive car insurance in Tasmania provides the broadest cover for many different scenarios, including damage to your vehicle from hail, storms, fire and theft. You may also have a choice of optional extras to add to your policy that may prove to be valuable.

Some of these options can include:

Which type of car insurance in Tasmania should I get?

With the exception of CTP, car insurance is completely optional, but it’s still worth considering extra coverage for your car – even if only a third party insurance cover. The additional insurance you 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, together with noted exclusions.

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
Third Party Property Damage
Third Party Fire & Theft
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.


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Frequently asked questions about car insurance in Tasmania

How are car insurance premiums calculated in Tasmania?

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 licence. 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, make, model and overall kilometres are just a few things that can impact your premium.
  • Where you store your car. Keeping your car in a garage or other secure area when parked can generally attract lower premiums.
  • Driving and claims history. If you’ve got a claims-free driving history (or have been claims-free for a set number of years), you may pay a lower premium.
  • How you use your vehicle. Whether you use your car for commuting or for business may have an impact on your insurance costs.

What is a car insurance excess?

Excess is the amount you agree to pay for making a claim, which contributes towards your damage repair costs; your insurer then pays the remaining amount or up to the amount agreed to under your policy. However, with car insurance, you generally only have to pay an excess if your insurer will not be able to recoup costs from another party.  For some policies, if you can provide the name, address and vehicle registration of the other party this may be sufficient for your insurer to waive or refund your excess.

Other instances where you may be charged an excess is if your claim doesn’t involve a third party driver (e.g. hail damage, or a collision with an animal), or if you or your insurer are unable to obtain the full name, residential address and vehicle registration number to identify the responsible third party.

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 the driver was under 25 years old).

Will my car insurance change if I move house?

Your Tasmanian postcode might affect your car insurance premiums because your new neighbourhood may be rated differently based on a number of factors, like crime and claim rates or how likely it is for a crash to happen in the area.

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.

Can I keep my no claim discount if I switch insurance providers?

Most providers will honour your no claim bonus or discount if you switch your car insurance.

Does car insurance in Tasmiania cover towing?

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

Stephen Zeller, General Manager

Tips from our expert, Stephen Zeller, on car insurance in Tasmania

  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, within the first two years after purchase, while other policies might stipulate one or three years instead. Some might 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 as some providers may charge a loading fee for instalment plans.
  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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