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Car Insurance Australia Wide – Car insurance protects you from financial losses in the event of an accident. There are three main types of car insurance: comprehensive car insurance, third party insurance and compulsory third party (CTP) insurance. Each covers different topics.
For example, a comprehensive car insurance policy covers damage to your car due to things like collision, fire, theft and weather events. It also covers any damage that the use of your vehicle may cause to someone else’s vehicle or property.
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Third party car insurance covers damage caused by your car being used against someone else’s car or property.
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CTP protects you if the driver of your car causes an accident that injures someone else. CTP covers the medical expenses of the victim and the compensation he receives. Check out our CTP page for more information.
Check out our car insurance options below and read our Frequently Asked Questions for more information. We’re here to make it easy and help you find the right coverage option.
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This chart will help you understand the key differences between comprehensive car insurance and third party property damage car insurance. Please read the applicable Product Disclosure Statement (PDS) and Target Market Definition (TMD) for complete information, including applicable limitations, exclusions and conditions.
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Visit our Comprehensive Car Insurance page or read our PDS and TMD for more information.
For more information, go to our third party property damage insurance page or read our PDS and TMD.
When choosing car insurance, it’s important to have the facts so you can make an informed decision. Understanding why you’re covered can help you avoid unexpected expenses.
Compulsory Third Party Insurance (CTP) also known as Green Slip in New South Wales is a legal requirement for vehicles registered in NSW, QLD, SA and ACT. CTP covers claims if you or someone driving your car causes an accident that injures someone else. It does not cover damage to your car, other people’s vehicles or property. In other countries and territories, CTP is included in the vehicle registration fee; This means that you cannot choose the insurer.
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Although not mandatory, you may want to consider taking out car insurance in addition to your CTP. Car insurance can cover the cost of repairing or replacing vehicles and property if something goes wrong.
Comprehensive car insurance covers accidental loss or damage in a collision, if your car is stolen or damaged by fire, or during weather events such as hail or flooding. It also covers damage caused by your vehicle to other people’s property.
Third party property damage insurance provides less protection for vehicles. It covers damages caused to someone else’s car or property as a result of using your car. This does not cover repairs to your car if the driver is involved in an accident.
Car insurance is a way to protect yourself from financial loss if something goes wrong. Depending on the type of car insurance you have, it can help cover damage to your car in certain situations. For example, Compulsory Third Party car insurance covers reasonable and necessary medical expenses if your car is involved in an accident and people are injured.
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Comprehensive car insurance covers accidental damage up to the policy limit in the event of a collision if your car is stolen or damaged by fire or weather conditions such as hail or flood. compensate for loss or damage.
Third party property damage insurance covers damage caused by the use of a vehicle against someone else’s car or property. For an additional premium, it can cover loss or damage to your vehicle due to fire, theft and attempted theft.
Comprehensive car insurance provides the highest level of protection. It covers damage to your vehicle caused by collision, fire, theft and weather conditions. It also covers any damage caused to someone else’s vehicle or property as a result of using 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 car insurance.
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Comprehensive car insurance covers damage to your car and its driver by covering damage to other people’s vehicles and property as a result of using your car. For example, if your car accidentally hits another car at a traffic light.
Car insurance offers less coverage for third party property damage. This covers your legal liability for damages caused to someone else’s vehicle or property as a result of using your vehicle. If the driver causes the accident, it will not cover the repair of your car. It also does not cover damage caused by weather, fire or theft.
As part of your third party property damage vehicle insurance, you can purchase Fire and Theft Cover for the following amounts to cover loss or damage to your vehicle due to fire, theft or theft. you can choose the swelling. . . Your proof of insurance.
The easiest way to compare car insurance and see how much it will cost you is to get a quote. Your premium is the purchase price of your policy. This is an amount we determine based on your chances of making a claim under your policy, the options you choose, the total value of claims we expect to pay and the costs of doing business, as well as other commercial factors. . .
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The basic excess is the amount you have to pay for a claim on your insurance policy. The higher the base excess you choose, the lower your premium. Learn more about how insurance discounts work before you decide.
Check that the accident scene is safe. If someone is injured or property is damaged, call the police and, if necessary, an ambulance. Try not to damage your car and keep it safe.
Be sure to collect the name, address, phone number, registration number and car insurance information of any other drivers, as well as contact information for witnesses.
Have this information ready when you contact your auto insurance office to file your claim. You can call us 24 hours a day at 133 723 or send a request online.
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To claim online, visit our car insurance claims page or call 133 723 24 hours a day.
If my windshield is in an accident, can I get it repaired or replaced right away and will my car insurance cover it?
If your vehicle’s windshield, sunroof or windshield is damaged and we determine that it can be repaired without replacing the glass, we will arrange for the repair and the excess policy will not apply. We cover this type of repair as a standard feature under our comprehensive Motor Vehicle insurance cover.
If you choose to add a ‘Non-removable’ windscreen option to your comprehensive car insurance policy, you won’t have to pay more if your claim only covers damage to your car’s windscreen, sunroof or windscreen . must be replaced.
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If you need to make a claim for your car windscreen 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 written off, we’ll pay the agreed value or market value, depending on the level of cover you’ve chosen. Or if you’ve insured your car from new, we’ll trade it in for a new car if it’s less than three years old and less than 60,000 km.
Call the police immediately to make a report, then call 133 723 (24/7) to make a claim. You can also submit a request online.
To avoid delay, reduction or denial of your claim, you do not admit fault or responsibility if you caused the accident.
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Contact our auto insurance claims department so we can estimate the other driver’s involvement. We handle all communications between them or their insurance providers on your behalf. You can call 133 723 24 hours a day.
Agreed value is the amount you agree to insure your car for the duration of the insurance. The agreed value is shown on your insurance certificate. If you choose to insure your vehicle based on market value, we will determine the market value of your vehicle immediately prior to the anticipated event. To do this, we use recognized industry guidelines and take into account such things as make, model, age, mileage, installed accessories and modifications, as well as its general condition. Your choice of Negotiated Value or Market Value will be reflected in your premium.
If I get a speeding ticket after paying my insurance, will I be fined?
