Australia Car Insurance

Australia Car Insurance

How many Australia Car Insurance quotes should you get every year when you have to renew your policy? At RateCity, we recommend that you should always get a minimum of three quotes for car insurance, preferably above and beyond your current insurer.

This might seem like a lot, but the internet has taken a lot of the pain and hassle out of the process of getting multiple quotes. Not so long ago, you would have had to call several companies in Australia to get quotes for car insurance from each of them, because they didn’t have search tools on their websites.

Now, just about every company offering comprehensive car insurance in Australia allows you to get quotes for car insurance online, just by answering 15 or 20 questions. These questions are all pretty clear and simple to understand – for example, details about your car, or your driving record, or where you park the car at night.

There are also websites such as RateCity where you can get quotes for car insurance from several brands at the same time. These financial comparison websites work by pulling live quotes for car insurance from multiple brands, based on the same driver and car profile. While not all car insurers are represented, you will be able to get more quotes for car insurance this way at one time than by visiting individual websites.

Our research shows that many drivers could be paying over $600 more per year for Australian car insurance policies than they should, largely because they don’t get multiple quotes for car insurance. Don’t make this mistake!

Go to our car insurance quote page to compare quotes for Australian car insurers.

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Learn more about car insurance

Does insurance cover a stolen car if keys were in the car?

A car insurance policy that covers the theft of your car, such as third party fire and theft insurance, usually covers a stolen car, even if the keys were in the car’s ignition.

However, your insurer may deny the claim if you live in an area where there have been several car robberies reported recently. They will see you leaving the keys in the car as a case of negligence. In such cases, your insurance provider may even expect you to have installed anti-theft security measures in your car. 

You may need to confirm whether or not you left your keys in your car, and if they had been stolen or misplaced, before filing your car insurance claim. The loss or theft of your car keys may be covered by a comprehensive car insurance policy, but usually as an optional item.

If you can confirm that your car keys were stolen, mention this in your claim as this will help establish that your car was not stolen as a result of your negligence.

Can you insure your car for 6 months?

Most Australian insurers won’t offer you a 6-month car insurance policy, so you may need to buy a policy that covers your car for damages and cancel it after six months. You will need to purchase comprehensive car insurance to protect your car from accidental damage, theft, vandalism, or natural disasters.. 

Consider checking whether your 6-month comprehensive car insurance will cost more if you pay monthly or six-monthly premiums instead of a one-time annual premium. Another question to ask the insurer is whether you’ll need to pay administration or cancellation fees when you cancel the policy.

Alternatively, you can look for a suitable ‘pay as you drive’ car insurance policy, which usually offers you the coverage of a comprehensive car insurance policy but only requires you to pay for the distance driven. Such a policy may not be the ideal 6-month car insurance plan as it is based on how much you drive rather than for how long. If you need to drive a lot, you may end up paying more than you’d pay for regular car insurance. 

Can I drive a new car without insurance?

It is illegal to drive a car in Australia without insurance. Most states require that you get your insurance in place before you drive the car off the dealership’s plot. So, the answer to whether driving a new car without insurance is no, it is not allowed.

The only time you can possibly legally drive an uninsured car is when you have to get the vehicle registered. You should drive straight to an inspection station or your state's vehicle registry. You must also make sure that you take the most direct or convenient route possible.

It is important to note that your compulsory third party insurance (CTP or green slip) isn’t valid until your car is registered.

Driving an unregistered or uninsured vehicle can have severe legal repercussions. If you are involved in an accident, and are driving an unregistered and uninsured vehicle, you will be personally liable to pay compensation to anyone hurt, as well as for damages. If you are caught driving a vehicle without insurance, you may be fined or even have your vehicle seized.