Insurance Car Australia

Insurance Car Australia

The most convenient way to find the right car insurance can be to explore the options online. The dilemma is, that just typing ‘insurance Car Australia’ into a search engine will throw up a big list of insurance providers, some better than others, each with their own policies, individual rates and benefits.

For the consumer, sifting through all these insurance websites and the products they offer can be somewhat overwhelming and very time consuming. However, you can make it much simpler by adding ‘RateCity’ to ‘insurance car Australia’ and be taken straight here, to the RateCity website, allowing you to compare car insurance policies from several insurance brands at one convenient location, in an easy to use manner.

At RateCity, we recommend that you should get a minimum of three car insurance quotes if you are driving in Australia. This may seem like a lot, but RateCity’s comparison tables have taken much of the pain and hassle out of the process of getting multiple quotes. The benefit to you is that you will be able to get more quotes for car insurance at one time this way than by visiting individual websites.

Quotes

In order to receive a car insurance quote in Australia, you must answer a number of questions about the make, model and year of your vehicle. You will also be asked where and how the car is parked at night. For example, parking your car in a garage is usually less risky than leaving your car parked overnight on the street. If your car is always garaged overnight, your premium is likely to be lower.

No claim bonus

Most car insurance companies also ask about your driving record, and whether you have a no claim bonus. A no claim bonus is a discount that insurance companies grant to drivers who, as the name suggests, have not made any claims on their vehicle for some time. Having a no claim bonus can lower the cost to you against the normal annual premium by as much as 60 percent.

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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.