Car Insurance Comprehensive

Car Insurance Comprehensive

You will stand a much better chance of getting the right insurance car insurance (comprehensive) for your car with quotes from several insurance companies. Most drivers now pay by direct debit monthly, which is very convenient. The downside of all this convenience is that it’s too easy just to renew automatically, without getting quotes for car insurance from competitors.

You might end up paying a significant increase every year without even noticing it, especially if all you see is the smaller monthly payment taken by direct debit. RateCity research shows that over the last few years, most comprehensive car insurance companies have increased the cost of premiums much faster than inflation, so if you don’t get quotes from multiple companies, you are highly likely to end up paying more than you need to.

To get the right comprehensive car insurance brand, ensure you get quotes from at least 3 companies as well as your current provider, and compare all the features in these policies, such as:

  • Excess: the amount you pay before any insurance kicks in, and as a general rule, the higher your excess, the lower your premium will be
  • Choice of repairer: some insurers will let you choose your preferred mechanic or repair shop to fix any damage, but often this convenience will cost you more
  • Replacement vehicle: if your car is out of action for any extended period of time, you may need a replacement vehicle. Check whether the insurance for your car from the various quotes has a replacement vehicle as a standard feature, and how long you will get this car for.

Go to our comprehensive car insurance page to start comparing brands.

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Learn more about car insurance

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. 

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.