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Best Car Insurance Australia Under 25 – Help protect your vehicle against loss or damage, whether you need coverage for your own car or just damage to someone else’s property.
Whether you’re ready to buy insurance or want to manage an existing policy, you can get started by logging into your online account.
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The highest level of protection. Comprehensive insurance is included, as well as vehicle pick-up and drop-off, taxi fares, choice of repairers and more.
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Cover for collision damage to your car, as well as unintentional collision damage to other people’s property and vehicles, regardless of who is at fault. There are optional extras to customize it even more for you.
Cover if your car is damaged by fire or theft. In addition, in the event of an unintentional collision, damage to other people’s property and vehicles.
Whether it’s your first car or not, know what car insurance is all about to better understand your policy
This is an additional amount you will pay on top of your basic excess if an incident is found to be at fault. For more information, read the premiums, excesses and discounts guide.
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In Victoria, CTP insurance is included when you register your vehicle with VicRoads. This gives you coverage for personal injury caused by an accident involving your car.
Log in to your online account to view policy documents or update your personal details and payment methods. For other changes call 13 72 28.
When you sit behind the wheel as a learner, under the supervision of a fully licensed driver, we treat the supervisor as a driver.
If a learner driver is involved in an incident, the supervising driver will be treated as the driver.
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The longer you are a member, the bigger your discount on selected products with our membership years benefit.*
Take out two or more policies and save up to 10% on each, including home and car insurance.*
This depends on the level of cover included in your car insurance policy and the type of incident that has occurred (eg collision, fire, theft or flood).
Complete Care® car insurance offers the highest level of car insurance coverage when you need to make a claim, while third party property damage will cover the basics.
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Choosing a higher basic excess can lower your premium. But remember, if you make a claim, you’ll pay more out of pocket.
Take out two or more insurance policies and save up to 10% on each*. Find out which policies are eligible
The longer you’re a member, the bigger the discount on select products* with our Membership Years# benefit.
You will need to provide us with information about the incident, such as the time it was recorded, contact details of witnesses and details of other drivers involved (if applicable). Photographs of the incident can give us a clearer idea of what happened and will help your claim.
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If your car has been stolen in Victoria, the first step is to contact the police helpline on 131 444, before making an insurance claim. We may ask you for the police report reference number and the date of the report, so it’s a good idea to write these details down.
This is what Seguros agrees to insure your vehicle. You can choose within a range of values, and it remains fixed for the term of the policy.
At renewal, Seguros considers changes in the agreed value of vehicles using local market values. Check your renewal notice for any changes.
This is an assessment of the value of your vehicle at the time of an incident for which you are making a claim. Consider local market prices and the age and condition of the vehicle.
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You can only choose between the agreed value and the market value if you buy a comprehensive car insurance policy.
All car insurance policies come with quality repair partners. We trust these firms to quote, evaluate and provide a quality repair for your car; we even give a lifetime warranty on any work we authorize for as long as you own the vehicle.
If you prefer to choose your own repairer, this option is included with Complete Care® car insurance, or you can add this option to comprehensive car insurance policies. However, this is not included in the types of third party car insurance.
If you decide to do your own repairs, make sure you choose an authorized repairer who meets industry standards. If something goes wrong (such as a manufacturing defect), it will not be covered under your policy.
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Car insurance gives you peace of mind to manage costs in the event of an incident. For example, you may only pay the excess instead of the full cost of repairing the damage to your car.
Unlike other states, compulsory third party (CTP) in Victoria is included when you register your vehicle with VicRoads. CTP covers you for any injuries that occur as a result of an incident involving your car.
If you have additional car insurance, such as Complete Care® car insurance, comprehensive car insurance, third-party fire and theft or third-party property damage insurance, this provides additional protection if an incident occurs, especially when other people’s cars are involved.
You do not need a driving license to insure your car. However, to be covered for an incident, the driver of the vehicle must have a licence.
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Call us on 13 72 28 or visit a retail store to better understand what you are suitable for car insurance.
All car insurance policies are suitable for drivers under the age of 25. Compare options to find a policy that fits your lifestyle, budget and needs as a younger driver.
This is the highest level of car insurance. You will be covered for damage caused in an insured incident and will have access to inclusions such as:
~Please note that drivers under the age of 21 cannot rent a car, and there may be additional restrictions and charges for drivers between the ages of 22 and 24.
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You will be covered for damage to your vehicle and other people’s property or vehicles in the event of a collision.
Not only will you be protected if you accidentally damage other people’s property, but you will also be protected if your car is stolen or damaged by fire.
You will not be covered for the cost of repairing your damaged vehicle following an incident in which you are at fault.
You will be covered for accidental damage you cause to someone else’s vehicle or property, such as breaking into someone else’s car or fence.
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The excess is the amount you contribute to the cost of a claim. There are three types of surplus: basic, obsolete and special. For drivers under the age of 25, excess may be most relevant to you if you are involved in an incident. This is payable in addition to the basic excess.
When you start a claim online, you will find out if a co-payment is due. If you have a transfer to pay, you can log in to pay it online.
Turn off the engine and turn on the hazard lights. If a road hazard or injury requires an ambulance, call 000 for the emergency services.
Be aware that other drivers are still on the road, so whenever possible, pull over to a safe place.
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It is always good to take lots of photos and/or videos of the scene and damage. Also note the date and time of the incident.
In Victoria, call the police helpline 131 444 for minor cases without injury but which may require police assistance.
If you can’t take your car home from the scene, call 13 19 03 and we can arrange a tow.
As soon as you can, submit a claim by logging into your account online or by calling 13 19 03. The insurance will then assess your claim and get back to you.
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Regardless of who is driving, auto insurance covers all licensed drivers as long as they meet the underwriting criteria. Additional excess may apply to drivers under the age of 25.
You don’t need to list all the additional drivers who use your vehicle, but it’s worth considering how often other people drive it and any additional surcharges that may apply to unlisted drivers.
It is important to note that your car insurance premium may change if a different driver appears on your policy. If an accident while driving your vehicle is deemed to be the fault of an unlisted driver, you may have to pay an additional excess on top of the basic deductible.
For more information about excesses under your policy, read the Premium, Excess and Discount (PED) Guide.
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Remember, as a learner you do not need to appear on your supervised driver policy. The insurance covers all learner drivers without an additional excess when under the supervision of a fully licensed driver.
Emergency roadside assistance From flat tires and empty gas tanks to lockouts and dead batteries, we’re here to help. Get 24/7 roadside assistance. Learn more
Partner Repairs High quality repairs to help you get back on the road. Find a trusted and accredited repair partner near you. Learn more
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1 For agreed value policies, cover is limited to the agreed value. Cars must be registrable and roadworthy
# Years of membership: at 5 years bronze card holders receive a 5% discount, at 10 years Silver card holders receive a 10% discount, at 25 years gold card holders receive a 15% discount and at the age of 51 years gold.
