Car Insurance

Protect your vehicle and liability on the road.

Car insurance helps cover the costs if your vehicle is damaged, stolen, or if you cause damage to other people's property in an accident. In Australia, there are different types of car insurance: Compulsory Third Party (CTP) insurance (which is mandatory and covers injury to people), Third Party Property (covers damage you cause to other vehicles or property), Third Party Fire & Theft, and Comprehensive (covers your car and others' property). A comprehensive policy offers the broadest protection, including accidents (regardless of fault), theft, fire, vandalism, and sometimes extras like windscreen cover or a replacement car. Having car insurance provides peace of mind that you won't face huge expenses from accidents or losses.

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Key Benefits

Accident Damage Cover

Pays for repairs or replacement of your car if it's damaged in a crash, whether it's a minor fender-bender or a major accident, so you're not left covering massive repair bills on your own.

Third-Party Liability

Covers damage you might cause to other people's vehicles or property. Without insurance, you'd have to pay those costs out of pocket, which could be financially devastating after a serious accident.

Theft & Fire Protection

Provides coverage if your car is stolen or damaged by fire or vandalism. This means you can repair or replace your vehicle if such unfortunate incidents occur, offering comprehensive protection beyond just accidents.

Recommended Insurance Coverage

Trailer Insurance

Protects your trailer against accidents, theft, and liability.

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Caravan Insurance

Specialised cover for caravans, both on-road and at camp.

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Travel Insurance

Protection for unforeseen events while traveling.

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Frequently Asked Questions

At minimum, Compulsory Third Party (CTP) insurance is required for all registered vehicles – it covers liability for injuries to other people. However, CTP doesn't cover damage to vehicles or property, so it's wise to also have property cover (third-party or comprehensive) to protect yourself financially from those risks.

Third Party Property insurance covers you if you damage someone else's vehicle or property, but it won't pay for damage to your own car. Comprehensive insurance covers damage to others as well as your own car (including events like theft, fire, vandalism, or storms). Comprehensive is broader, while third party is a cheaper, basic option.

Premiums are influenced by factors like your age and driving experience, the car's make and model, your claims and driving history, where you live, and how the car is used. Generally, a newer or high-value car, a younger driver, or a history of claims might result in higher premiums.

The excess is the amount you agree to pay out of pocket when you make a claim. For example, if your excess is $600 and you make a claim for repairs costing $3,000, you'd pay $600 and the insurer covers $2,400. Choosing a higher excess can reduce your premium, but means you'll pay more if you claim.

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