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Car Insurance Australia Best – Car insurance protects you from financial loss if your car is involved in an accident. There are three main types of car insurance: comprehensive car insurance, third party insurance and compulsory third party insurance (CTP). Each covers different things.
For example, a comprehensive car insurance policy covers your car repairs for damage caused by things like collision, fire, theft and weather events. It also covers damage caused by the use of your car to other people’s vehicles or property.
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Third party car insurance provides cover for damage caused by using your car to someone else’s vehicle or property.
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CTP covers the driver of your car if they cause an accident that injures someone else. CTP covers the medical expenses of the injured person and the compensation to which he is entitled. Check out our CTP page where you can learn.
Check out our car insurance options below and read our FAQs for more information. We are here to make it easy and help you find the right coverage option.
For the fifth year in a row, we have been named Finder’s Green Insurer of the Year in 2024. We are honored to receive this recognition. A big thank you to our customers, the public and our partners for helping us achieve a more sustainable world.
This table will help you understand the key differences between Liability Car Insurance and Third Party Property Damage Car Insurance. Read the relevant Product Disclosure Statement (PDS) and Market Decision (TMD) for details, including scope, exclusions and applicable terms.
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For more details, go to the full Motor Insurance Page or read the PDS and TMD.
For more details, go to our page on Third Party Property Damage Car Insurance or read PDS and TMD.
When choosing car insurance, it is important that you have the facts so that you can make an educated decision. Understanding what is covered will help you avoid unexpected costs.
Compulsory Third Party Insurance (CTP), also known as a Green Slip in New South Wales, is a legal requirement for vehicles registered in NSW, QLD, SA and the ACT. If you or someone else driving your car causes an accident in which someone is injured, CTP will pay compensation. It does not cover damage to your car, other people’s cars or your property. Other states and territories include CTP as part of the vehicle registration fee, meaning you cannot choose your own insurance company.
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Although not mandatory, you may want to consider getting car insurance in addition to CTP. Car insurance can pay for the repair or replacement of the car and property if something goes wrong.
Comprehensive car insurance covers accidental loss or damage to your car if you crash it, it’s stolen or it’s damaged by fire or during an emergency, such as hail or flood. It also provides protection against damage caused by your vehicle to other people’s property.
Car insurance for third party property damage offers less coverage. It covers compensation for damage to another person’s vehicle or property caused by the use of the car. It does not cover repairs to your car if the driver has an accident.
Car insurance is a way to protect yourself from financial loss if something happens. Depending on the type of car insurance you have, it can help pay for damage to your car in some cases. For example, Third Party Liability Car Insurance covers substantial medical costs for personal injuries if your car is involved in an accident.
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Comprehensive car insurance covers accidental loss or damage to your car if you are involved in a collision, it is stolen or destroyed by fire or in extreme weather such as hail or flood up to the policy limit.
Third party property damage car insurance provides coverage for damage caused by using your car to other people’s vehicles or property. For added value, it can cover loss or damage to your vehicle through fire, theft and attempted theft.
My car insurance offers the highest level of protection. It covers repairs to your car for damage caused by things like collision, fire, theft and weather events. It also applies to damage to other people’s vehicles or property caused by the use of your vehicle.
Choosing the right car insurance depends on your needs, and everyone’s needs are different. It is important to understand the difference between comprehensive car insurance and third party property damage.
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Comprehensive car insurance covers damage to your car and its driver for damage caused by the use of your car to other people’s cars and property. For example, if your car accidentally hits another car at a traffic light.
Car insurance for third party property damage offers limited coverage. This covers your legal responsibility for compensation arising from damage to another person’s vehicle or property through the use of your vehicle. It does not cover repairs to your car if the driver of your car has an accident. It also doesn’t take damage from things like weather, fire or theft.
Under your Third Party Property Damage Car Insurance, you can choose to add a Fire and Theft cover option for additional premiums including cover for loss or damage to your car caused by fire, theft and attempted theft up to the amount in your Certificate of Insurance.
The easiest way to compare car insurance and see what you can afford is to get a quote. Your premium is the purchase price of your policy. This is an amount we set taking into account factors such as your chances of making a claim under your policy, the options you choose, the amount of claims we expect to pay and our costs of doing business , as well as other business items .
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The primary excess is the amount you have to pay for a claim on the insurance policy. The higher the basic excess you choose, the lower your premium. Before you decide, learn more about how overdrafts work.
Check if the scene is safe. If someone is injured or there is significant property damage, call the police immediately, and an ambulance if necessary. Try to avoid any damage to your car and keep it safe.
Make sure you collect the name, address, telephone number, registration number and car insurance details of each driver involved and the contact details of any witnesses.
Have this information ready when you contact your auto insurance claims department to file your claim. You can call us 24 hours a day on 133 723 or submit your claim online.
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Visit our car insurance claims page to make a claim online or call us 24 hours a day on 133 723.
If my windshield is damaged in a car accident, can I repair or replace it right away and my car insurance will cover it?
If your windshield, sunroof or window glass is damaged and we determine it can be repaired without having to replace the glass, we will arrange the repair and no policy will be charged. We cover these types of repairs as a standard feature under our Car Insurance cover.
If you choose to add a ‘No Pass’ Windshield option to your comprehensive Car Insurance policy, you won’t have to pay a premium if your claim is only for damage to your car’s windscreen, sunroof or window glass and those items. they must be replaced.
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If you need to make a claim for your car glass or other window glass, go to our car insurance claims page to make a claim online, or call us 24 hours a day on 133 723.
If you have a comprehensive car insurance policy and your car is underwritten, we will pay the agreed value or market value, depending on the level of cover you choose. Or, if you have insured the car from new with , it is less than three years old and has traveled less than 60,000 km, we will replace it with a new one.
Call the police immediately to make a report, then call 133 723 (24/7) to make your claim. You can also apply online.
To avoid having your claim delayed, reduced or denied, you must not admit fault or liability if you are involved in an incident.
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Contact the auto insurance claims department so we can contact the affected driver. We will handle all communications between them or their insurance provider on your behalf. Call us 24 hours a day at 133 723.
The approved value is the amount you agree to insure your car, for one insurance period. The accepted value is shown on your Certificate of Insurance. If you choose to insure your car for market value, we will determine the market value of your car before the incident. We use recognized industry guidelines to do this, and consider factors such as make, model, age, mileage, accessories and modifications that have been installed and general condition. Choose the accepted rate or the market rate shown in your rate.
If I get a speeding ticket after paying my insurance, I have
