Car Insurance Compare

Anyone who has ever had a car accident, or even just a small dent, will know that car repairs can be costly. Repair bills can even run into thousands of dollars. That’s why most motorists consider car insurance a necessity.

Not all car insurance is the same; the cost (also known as the ‘premium’) varies, the type of cover offered can vary, and some insurance brands will offer service that suits your circumstances better than others. That's why it's important to understand what each car insurance policy offers so you can get the cover that’s right for you.

Making a choice

As a first step in considering what car insurance to compare, and before getting any car insurance quotes, you ought to consider what you want to insure – there are several levels of cover you may wish to consider. You have two main choices – to insure against damage done to your car (as well as any damage to other cars and property your vehicle causes), or only to insure against damage done to other cars or property by your car if the driver is at fault.

Comprehensive, or not?

The car insurance that covers only damage done to other vehicles and property is known as third party property insurance. The other option is known as comprehensive car insurance because it provides not only the cover included under a third party property insurance policy, but also covers the cost of damage done to your car, up to an agreed value (less any excess that may apply).

Like many financial products, the internet has made finding car insurance simpler.  You only need to type ‘car insurance compare’ or something similar into a search engine to be offered a number of choices.  RateCity provides car insurance quotes tailored to your situation and requirements from several insurance brands. For more information about comprehensive car insurance check out our car insurance guide or compare quotes online today. 

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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.