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Car Insurance Articles

Articles, tips, questions, and information about car insurance in Australia.

Mark Bristow

Personal Finance Editor

Can I have two insurance policies on one car?

It’s possible to have two or more car insurance policies on a single vehicle, such as to provide different types of coverage for a wide variety of situations. However, you can’t legally claim on two different car insurance policies for the same vehicle.

Car Insurance

10 Oct, 2023

3 min read

Can I have two insurance policies on one car?
Mark Bristow

Personal Finance Editor

Can you get same-day car insurance?

While you can buy car insurance the same day you purchase a vehicle, the coverage may not always take effect immediately. It’s important to know whether any waiting periods may apply, so you aren’t unknowingly driving around without an active car insurance policy.

Car Insurance

10 Oct, 2023

2 min read

Can you get same-day car insurance?
Alex Ritchie

Personal Finance Editor

What is comprehensive car insurance?

A comprehensive car insurance policy can be expensive, but it covers not just your liability for accidents, it can also protect you and your car.

Car Insurance

15 Sep, 2023

5 min read

What is comprehensive car insurance?
Alex Ritchie

Personal Finance Editor

How can I calculate my car insurance premium?

Every insurer has its own metrics and algorithms for calculating your insurance premium. But you can do some of the guesswork yourself by taking stock of your situation and utilising car insurance calculators. 

Car Insurance

08 Sep, 2023

4 min read

How can I calculate my car insurance premium?
Mark Bristow

Personal Finance Editor

What is the difference between comprehensive and third-party car insurance?

When looking for car insurance, the two main factors you may consider are how much coverage you want, and how much different coverage options may cost. Compulsory third-party insurance (CTP) is a legal requirement when registering your car, but any cover beyond that is optional. This means you may only buy the cover you can afford, rather than the cover you need.

Car Insurance

29 Aug, 2023

4 min read

What is the difference between comprehensive and third-party car insurance?
Mark Bristow

Personal Finance Editor

Can I get a refund on car insurance?

If you decide to cancel your car insurance policy, what happens to your car insurance? Can you get a refund on unused car insurance in such a scenario?

Car Insurance

29 Aug, 2023

3 min read

Can I get a refund on car insurance?
Alex Ritchie

Personal Finance Editor

Which insurer offers the most suitable seniors’ car insurance policy?

For Australian seniors, car insurance usually costs more with age, and no insurer offers a specific policy. But they may be able to get some discounts.

Car Insurance

22 Aug, 2023

5 min read

Which insurer offers the most suitable seniors’ car insurance policy?
Alex Ritchie

Personal Finance Editor

What is excess in car insurance?

No matter which car insurance policy you buy, you may be able to control the cost of the policy by agreeing to pay a higher excess.

Car Insurance

16 Aug, 2023

3 min read

What is excess in car insurance?
Mark Bristow

Personal Finance Editor

What is vintage car insurance?

If you own a vintage car, you likely spend a lot of time and money on preserving this piece of motoring history. A vintage car insurance policy can help you protect your prized possession.

Car Insurance

16 Aug, 2023

4 min read

What is vintage car insurance?
Mark Bristow

Personal Finance Editor

How to find affordable car insurance for young drivers

Car insurance is usually more expensive for young drivers, as insurers consider them to be more at risk of being in an accident. But there are ways you can try to lower the cost.

Car Insurance

15 Aug, 2023

4 min read

How to find affordable car insurance for young drivers
Mark Bristow

Personal Finance Editor

Do EVs cost more to insure?

Electric Vehicles (EVs) generally cost more to purchase than their petrol-powered equivalents, and may also often cost more to insure. However, the fuel cost savings may be able to help offset some of these higher expenses.

Car Insurance

14 Aug, 2023

4 min read

Do EVs cost more to insure?
Alex Ritchie

Personal Finance Editor

Does car insurance cover breakdown repairs?

Even if you buy comprehensive car insurance, some incidents may not be covered, such as breakdowns. Consider checking all exclusions when purchasing the policy.

Car Insurance

14 Aug, 2023

4 min read

Does car insurance cover breakdown repairs?

Promoted car insurance products

Youi Pty Ltd

Comprehensive

  • New car replacement
  • Flexible excess
  • Roadside assistance

Agreed or market value

Either

Roadside assistance

Standard

AAI Limited T/AS AAMI

Comprehensive

  • New car replacement
  • Flexible excess
  • Roadside assistance

Agreed or market value

Either

Roadside assistance

Optional

AHM Health Insurance

Comprehensive

  • New car replacement
  • Flexible excess
  • Roadside assistance

Agreed or market value

Either

Roadside assistance

Optional

Allianz Australia Insurance Ltd

Comprehensive

  • New car replacement
  • Flexible excess

Agreed or market value

Agreed

Roadside assistance

Not available

product data updated on

Product data updated on 14 Jul 2024