How does car insurance work?
Car insurance is there to help cover costs you might be liable for, like any repairs to a vehicle, if you’re involved in a car accident. Depending on the type of cover you choose, this will determine whether you’re covered for damage your car might cause to another person’s car or property, or protection for your car too. Get a quote to find out what suits you best!
What is the difference between comprehensive and third-party car insurance?
Great question! Comprehensive Car insurance gives you protection for your car and cover in case you damage someone else’s car or property, whereas Third Party Cover is only for damage your car might cause to another person’s car or property, if you’re liable for it.
So, depending on the level of cover you need, get a quote to find out what suits you best.
What does comprehensive car insurance cover?
Comprehensive car insurance gives you protection for your car and cover in case you damage someone else’s car or property. Some features and benefits include:
- Flexi-excess - you can choose to opt for a higher excess and reduce your premiums.
- Up to $20m liability cover - we’ll pay up to $20 million if your car damages someone else’s vehicle or property.
- 24/7 emergency help - Call us any time. We’re always here to help you stay safe and organise your car to be towed, no matter the time.
- Theft and damage cover - cover for damage or loss caused by theft, attempted theft, collision, malicious damage, fire, natural events such as hail and storm.
- New for old replacement - we’ll replace your car with a new car of the same value if it’s under 2 years old, has been written off and you’re the first registered owner.
- Additional benefits – cover for trailers, caravans, personal property, child safety seats and more.
Check the Product Disclosure Statement for full details of these features and benefits, including what is and isn’t covered.
What does third party car insurance cover?
Third Party Cover is for damage your car might cause to another person’s car or property, if you’re liable for it. It doesn’t cover loss or damage to your car. Some features and benefits include:
- Flexi-excess - you can choose to opt for a higher excess and reduce your premiums.
- Up to $20m liability cover - we’ll pay up to $20 million if your car damages someone else’s vehicle or property.
- 24/7 emergency help - Call us any time - we’re always here to help you stay safe and organise your car to be towed, no matter the time.
- Damage by uninsured drivers - cover up to $3,000 if your vehicle is damaged by an uninsured driver at fault who you can identify.
Check the Product Disclosure Statement for full details of these features and benefits, including what is and is not covered.
How can I get the lowest premium?
The payments you make to pay for your insurance are known as your premiums.
If you’ve got a safe driving history, that’s going to go a long way to reducing your premium. But choosing Pay As You Drive Cover or a higher excess can also help reduce the amount you'll pay. Just remember, choose an excess you can afford to pay if you have to make a claim. To find out how much your premiums could be, simply get a quote and choose the options that suit you.
Can I pay monthly?
If that’s what works for you, go for it. Your premium may be slightly more expensive, but it’s all about what suits you and your budget.
How do excesses work?
An excess is like a contribution you make towards your claim. If you opt for a lower excess your premium will be higher, and vice versa.
When an excess comes into play, you have to pay your basic excess plus any applicable additional excess(es). You won't have to pay an excess if the damage to your car was caused by another car and you were not at fault, and we have all the required details of the other party.
For more information on excesses and when they apply, check out the Product Disclosure Statement.