Car Insurers

Car insurers offer you a variety of discounts or penalties depending on who is behind the wheel of your vehicle. So before you ask your friends, family, or co-workers to make the trip for you, consider the worst case scenario and what you would do if the hefty bills fell on your lap.

Most car insurers only cover you for drivers specified in your policy, which means that you’ll need to draw up a list of your common drivers before applying. Similarly, if there are vehicles that you’ll be driving often, including them on your policy can cover you in the event of an accident.

These precautions will save you from paying thousands in excesses when you or your drivers make mistakes. But all car insurers have different standards when it comes to what you’re covered for, so make sure you take the time to compare different policies to save money and stress.

Who do car insurers like?
Car insurers are normally cautious of drivers under 21 years of age, so adding these drivers on to your policy will attract higher excesses. From here, the excesses decrease steadily, from 21-24 year olds, to 25 year old drivers with less than two years of driving experience.

You will find that experience goes a long way, especially when you add on extra skills such as safe driving techniques. Taking extra courses can often be a long term investment into reducing your yearly costs, and you might also pat yourself on the back one day if they help you avoid an accident.
Make sure you come clean with the driving records of your nominated drivers too, because car insurers will look for blemishes which may deem you a riskier and therefore more expensive driver to insure.

Compare car insurers
At the end of the day, every insurer has their own guidelines and preferences, so it takes a bit of savvy research to find policies that suit you and your entourage of drivers.

For more information about comprehensive car insurance brands visit our car insurance guide.

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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.