COVID-19 Car Insurance FAQs

Answers about COVID-19 (coronavirus) and car insurance

How does the current pandemic situation affect car insurance? We’ve compiled answers to some of the questions we are receiving from customers. The situation is evolving, so we’ll keep this page up to date with new information as it is released.

COVID-19 Car Insurance FAQs

Is there a reduction I can get on my car insurance premiums?

Review your cover today, as your insurer may be able to offer a revised premium due to any changed circumstances (e.g. a change in address). In addition, different types of policies are available that may be more suitable for your circumstances, and could be more affordable.

Learn more about the different types of policies available or you can review different policies, features and more with our car insurance comparison service.

Last updated: 27/03/2020

I’ve lost my job/I’m working from home. Should I update my policy to reflect that my car will only be used for personal use?

Should your situation change and you only use your car for personal use, you should contact your insurance provider to update your policy. If you’re experiencing financial difficulty in these uncertain times, you could contact your insurer to inquire about any financial hardship assistance programs you could potentially access.

Should you be working from home or your situation has changed, you should let your insurer know. Any change in your circumstances should be discussed with your insurer, as it could impact your premiums.

Last update: 06/04/2020

Could I save money by only insuring one of my vehicles?

You can, but you’ll leave yourself open to out of pocket costs if any of your insured vehicles are stolen, damaged, etc. Review your coverage with your insurer to make sure your current cover meets your needs.

Alternatively, you could also save money by comparing a range of car insurance policies with us. We’re Australia’s biggest car insurance quote comparison website, and our free service can potentially help you find a cheaper policy.

Last update: 06/04/2020

Will my car insurance be cheaper because I am not driving on the weekends or commuting?

If you’re a ‘low-kilometre’ driver (e.g. under 15,000km per year), you may be able to find a better solution with your insurer or through our comparison service. However, this may only benefit you if you will be driving less for the duration of your policy, which is typically 12 months.

For a range of options on how you might tailor and save on your policy, talk to your insurer. Otherwise, if money is tight, we can help you review a range of products through our comparison service.

Last update: 06/04/2020

How will my car insurance change during the COVID-19 outbreak?

We don’t yet know what insurers will do, or whether this will affect policies - if at all. We will keep you updated as we learn more. If you’re concerned about your policy being affected by the pandemic, we suggest you get in touch with your insurer directly. You may find that there are delays in contacting your insurer’s call centre as they experience a higher volume of calls and inquiries at this time.

Last update: 06/04/2020

If I have to self-isolate at home and won’t be commuting, can I pause my car insurance?

No. Most insurers won’t allow you to ‘pause’ your car insurance, rather, you are able to cancel it. This is entirely up to you, although we recommend you talk to your insurer about this decision. Car insurance can cover theft, storm damage, someone hitting your car, and any other number of events that might leave you out of pocket.

However, given the unprecedented nature of COVID-19, it could be worth contacting your insurance provider to discuss your options.

Last update: 06/04/2020

Will roadside assistance still be available during the coronavirus situation?

For now, you can still call up roadside assistance. Particular providers are still operating inside Australia, to our knowledge, although they may be employing different measures to keep their staff safe. For example, if you were to call up today, you may be asked if you’ve been unwell, travelled overseas, or had recently tested positive for COVID-19.

Things are changing daily, however. If you’re concerned about this, contact your roadside assistance provider for more information.

Last update: 06/04/2020

If I have an accident, will I be able to have my car repaired or replaced?

You should be able to lodge a car insurance claim for your car to be repaired or replaced as normal, though you will need to be mindful of social distancing during the process.

Last update: 06/04/2020

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