Claims Service

Claims Service

The level of claims service offered by your car insurance company is basically the level at which they deny or approve claims.

Obviously car insurance companies with a high or good claims service will mean that the risk of your claim being denied is reduced as they are more likely to approve more claims.

In February 2010, CANSTAR surveyed 3,000 people with comprehensive car insurance on their level of claims service. In the survey they asked a series of questions based on the following:

  • Overall claims service experience
  • Features of their claims, such as:
    • Car hire
    • Choice of repairer
    • High quality of repairs
    • Quick turnaround

The results showed that overall customer’s claims service experience was high. When asked if based on their experience, how likely were they to recommend their insurance company to friends and family, around 26 percent rated the highest score, that they were very likely to recommend their current insurer. And only 2 percent surveys said that they would not recommend their insurer.

The results also showed that in the last three years 36 percent or one in three drivers had made a claim, approximately half were male and half female.

Out of those people that made a claim, 86 percent of females were extremely happy with their claims service and would continue using their insurance company, while 12 percent said they would consider making the switch. Approximately 81 percent of males said they would stay with their current insurer and 16 percent said that they would switch.

So if you are in the market for comprehensive car insurance and you want to find a car insurer with a high level of claims service, compare car insurance quotes online to find one that not only offers a lower premium but also a high star rating.

The table below lists car insurance companies that offer comprehensive car insurance.

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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.