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Your driving record is essential to keeping your insurance costs down regardless of your gender. Driving safely is one of the best ways to do this as it may signal to your insurer that you’re less likely to make a claim.
If you aren’t out on the roads as often as you used to be, it could be worth considering a low-kilometre policy, which could save you money on your premiums.
Policy features and limits can differ depending on your insurer. So, if you’re looking to cover a baby capsule or any other personal items in your car, it’s worth comparing your options to find cover that suits you.
Statistics show that women are less likely to be involved in a fatal car accident than men,1 and insurers tend to favour safe drivers. However, car insurance premiums are calculated based on various different details about you and your vehicle, including:
Aside from the mandatory Compulsory Third Party (CTP) insurance or your state’s equivalent cover (e.g. Green Slip in NSW), there are three types of car insurance products available in Australia:
The table below gives a general summary of what’s typically covered by each level of car insurance.
Insurance type | Collision damage to own vehicle | Damage to another person’s car or property | Damage or loss caused by fire or theft | Injuries or death to other people in an accident |
---|---|---|---|---|
Comprehensive | ✓ | ✓ | ✓ | ✗ |
TPFT | ✗* | ✓ | ✓ | ✗ |
TPPD | ✗* | ✓ | ✗ | ✗ |
CTP/ Green Slip | ✗ | ✗ | ✗ | ✓ |
* Some insurers may provide limited cover for your car if it’s damaged in a car accident by an uninsured driver. |
The following features may be available either as standard or optional cover, irrespective of gender:
You should always read the Product Disclosure Statement (PDS) of any policy to get a better idea of the inclusions and exclusions of your cover. It’s also worth reading the Target Market Determination (TMD) to ensure the policy is right for you.
Yes – you’re covered as normal throughout your pregnancy unless a medical practitioner has advised you cannot drive, or you’ve been prescribed medication that can inhibit your driving ability.
As a General Insurance expert with over 13 years’ experience in financial services, Adrian Taylor is passionate about demystifying car insurance for consumers, so they have a better understanding of what they’re covered for. Adrian’s goal is to make more information available from more insurers, to make it easier to compare and save.
¹ Department of Infrastructure, Transport, Regional Development, Communication and the Arts – Monthly road deaths (Reference period: March 2020 – March 2025). Accessed May 2025.