Get Comprehensive Car Insurance

Get Comprehensive Car Insurance

Whether you have cover for your car or are looking to get comprehensive car insurance, you’ll almost certainly benefit from reading the fine print.

By doing so you’ll have a thorough understanding of the intricacies of your policy and better understand the features available to you.

So when it comes time to make a claim, you will know exactly what your policy covers and won’t have any confusion, which can lead to dispute.

Complaints and how to handle them
If you are unhappy with your car insurance provider’s handling of your case, the Financial Ombudsman Service (FOS) recommends that you contact your provider with your concern.

When you search for the best comprehensive car insurance, this typically includes access to a consumer complaints department, which is often the first point of contact in a dispute situation.

They may be able to discuss your issue and concerns and how you would like them to be resolved, which is often the quickest way to resolve a dispute.

Your provider has 45 days to contact you after you make a complaint in most circumstances.

If you have not had a response after that period, you may wish to lodge a dispute online or over the phone with the FOS.

The FOS will assess the complaint and if it is within their jurisdiction, they will raise the issue directly with your car insurance company. If you and your provider can still not come to a resolution in this time, then mediation will often take place.

So be sure to understand what you are covered for when you first get comprehensive car insurance, to avoid dispute or disappointment.

Compare comprehensive car insurance quotes today.

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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.