Comprehensive Car Insurance Brand

Comprehensive Car Insurance Brand

One of the most common complaints among motorists, which have been in an accident, involves their comprehensive car insurance brand’s nominated smash repairer.

Many cite poor workmanship – such as mismatching paint work – and communication breakdowns among their main concerns when dealing with repairers chosen by their car insurance providers.

Drivers decide
That’s why some drivers are opting for car insurance brand’s policies, which allow you to nominate your chosen repairer.

In early 2011, as part of its annual car insurance star ratings report, Canstar Cannex surveyed 3,000 drivers on the subject of the insurance claims and repair process.

They asked drivers about how satisfied they were with their insurer and their claims and repairs system and more than one quarter revealed that they were less than satisfied. Despite this, only 15 percent indicated that they would shop around for a better comprehensive car insurance brand.

Switch and save
By comparing comprehensive car insurance brand’s policies, drivers can not only find cover that allows them to nominate a repairer. But they can also potentially save hundreds of dollars in the process.

This is because car insurance comprehensive companies vary greatly on features and you might be paying for options that you don’t need or want. You can further reduce your comprehensive car insurance bill in a number of ways including paying a higher excess, restricting the driver profile, or by adding a security system to your vehicle.

Some comprehensive car insurance brands will also discount your premium when you opt to pay the bill upfront in one lump sum, rather than in instalments.

Compare comprehensive car insurance today.

Did you find this helpful? Why not share this article?

Advertisement

RateCity

Money Health Newsletter

Subscribe for news, tips and expert opinions to help you make smarter financial decisions

By signing up, you agree to the ratecity.com.au Privacy & Cookies Policy and Terms of Use, Disclaimer & Privacy Policy

Advertisement

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.