Switching Car Insurance

Switching Car Insurance

If you are not happy with your current car insurance company or want to pay less for your premium, consider switching car insurance.


Switching car insurance is quite easy, it can be done instantly, there are usually no cancellation fees involved and you could save money. If you are thinking of switching your comprehensive car insurance, make sure you are aware of the following:

  • Find out the claim approval rate for the car insurer you are interested in so you can determine how reliable they are.
  • Make sure you are aware of what is included in the policy so you know what you are covered for and what you are not. Be aware of what options you may have to pay extra for, such as car hire.
  • Don’t just look at the bigger car insurance companies as some of the smaller and not so well known companies can offer competitively priced premiums.
  • Also look at how the company operates, and how you can make a claim. For example some car insurance companies are based online only while some have a dedicated call centre.

Start comparing 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.