Car Insurance In Australia

Car Insurance In Australia

When you search for the car insurance in Australia online, you will be able to compare car insurance policies side by side. Here are a few of the features that you should make sure you compare. 

First of all, you will always want to compare the price or premium for different policies. RateCity surveys the market regularly using a standard car/driver profile to assess to see what the best car insurance quotes are. We have found enormous variation between brands on the premiums you will be charged – in some cases, differences of over $600 have been found! On our site, we compare several car insurance brands, and while you might not always see differences that big, many of our customers end up seeing significant savings.

But it’s equally important to compare features other than just price – because if you just buy the cheapest policy, there might be features that matter for you that you miss out on. Some of the features that you’ll see when you compare car insurance quotes include the amount of excess you’ll pay when you make a claim – this is the amount you have to pay before insurance kicks in.

When you search for the car insurance in Australia, you should also find out if you get the choice of repairer if your car is damaged; because some insurers make you use their preferred repairers. You should also compare policies on whether you get a replacement vehicle while your car is out of action, and if so for how long.

You should also compare the things that are excluded from a policy. You don’t want to find out that something like hail damage, or theft of items from your car, isn’t covered after you’ve had a problem. You can get a quote for car insurance in Australian states and territories online and compare these exclusions side by side before you buy the policy. Always read the Product Disclosure Statement (PDS) closely to ensure that you obtain the cover you need.

Go to our car insurance page to start your quote.

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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.