Car Insurance Companies Australia – Our comprehensive car insurance covers electric vehicles, including your battery, charging cables, wall chargers and stands.
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From Insurer of the Year to Excellence in Benefits, we are proud to have won many industry awards over the years.
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Covers up to $20 million for damage to other people’s cars or property other than your car.
Covers the cost of accidental damage to one’s vehicle or property. Damage to your own vehicle is not covered.
This is a summary of some of the features available on our comprehensive motor vehicle and property damage insurance policies. These features are applicable to customers who purchased a new policy on or after September 9, 2021. Before deciding on this policy, please read the PDS carefully, which describes the terms, limitations and exclusions.
Still not sure which option is best for you? Take a look at our comparison chart to see the benefits of both our comprehensive car insurance and third party property damage insurance.
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We offer Compulsory Third Party Insurance (CTP) in NSW, QLD and SA. CTP insurance is required to register your vehicle.
We specifically offer coverage for business vehicles individually or as part of a small business insurance package.
Have you been involved in a car accident? Start your complaint online or call 13 10 13. We have a team available 24/7 to help you.
There are many types of private motor insurance in Australia, such as third party comprehensive, third party property damage, fire and theft and compulsory third party (CTP), which vary from state to state and territory.
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We offer comprehensive auto insurance and motor insurance for property damage in all states. We also offer CTP insurance in NSW, QLD and SA.
Third party property damage and comprehensive car insurance are not compulsory in Australia, but there are benefits to having them. If you choose not to take either, you may be responsible for the cost of any damage to your vehicle or a third party’s property.
If you’re not sure if you need third party car insurance or comprehensive car insurance, visit our car insurance comparison page to find the right policy for you.
The cost of comprehensive motor insurance and third party property damage insurance is determined by several factors. When we calculate your car insurance premium, we take into account factors such as:
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You can get your quote online for our comprehensive car insurance and third party car insurance.
The deductible is the amount you have to pay for the cost of the damage. Your insurance documents will show two additional amounts: a basic deductible and a deductible for drivers under 25. The basic deductible is the amount that applies to each claim you make. If the driver of your vehicle is under 25 years of age at the time of the accident, the under 25 driver risk is included in your basic excess. You can reduce the excess for your under-25 driver by naming the youngest driver on your policy, but this can also increase your premium.
If you or the driver of your vehicle is involved in an accident and is not at fault, and you can provide us with information about the responsible party, you may not have to pay a claim.
If you have comprehensive car insurance, you can lower your premium by increasing your basic deductible. You may have to pay more in case of damage.
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If your vehicle is stolen, report it to the police as soon as possible and write down the police report number when it is issued to you.
After informing the police, if you have comprehensive car insurance, submit a claim online or call our claims department on 13 10 13 and one of our friendly advisors will guide you through the claims process.
If you have given a family member a power of attorney and we have approved it, we can provide all information about your insurance and fulfill any requests on your behalf. Contact us on 13 1000 to discuss what it means to give a family member access to your car insurance.
Do I need to notify you if I teach my child to drive an insured car?
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No For customers with comprehensive motor insurance or third party property insurance, learner drivers driving with your permission are automatically covered when accompanied by a learner driver who holds a full, unrestricted Australian driver’s licence. and meets the standards set by the concerned State Road Administration.
Comprehensive car insurance is personal car insurance that can cover your vehicle for personal, temporary and limited business use. Depending on the type of business use, comprehensive car insurance can provide protection if you use the same car for both personal and business purposes. Note: We do not offer coverage for carpooling or cars used for carpooling.
Commercial vehicle insurance policies are specifically designed to provide coverage for vehicles used for business purposes. It typically provides more extensive coverage for commercial vehicles such as cars, trucks, forklifts, excavators and trailers that are not typically covered by personal auto insurance.
Recognizes the Aboriginal and Torres Strait Islander peoples as the traditional custodians of the lands on which we live and work in Australia. We respect the past and present of First Nations elders.
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Not all advice here may take into account your individual goals, financial situation or needs. Terms, conditions, limitations and exclusions apply. Before making a decision on this policy, please review the relevant Product Disclosure Statement (PDS)/policy wording and supplemental PDS (if applicable). Where applicable, PDS/Policy Formulation, Supplementary PDS and Target Market Definition (TMD) for this policy are available on this website. We do not provide any advice if you call us to inquire about or purchase a product.
Australia Insurance Limited ABN 15 000 122 850 AFS License No 234708 is the underwriter for all non-life insurance products offered and Australia Life Insurance Limited ABN 27 076 033 782 AFS License No 296559 is the underwriter for all insurance products offered. Each entity is responsible for all statements and representations made regarding its products on this website. If you own and drive a car in Australia, you are required by law to have at least one form of car insurance: compulsory third party insurance (CTP). However, with so many other car insurance options available, choosing the right insurance company to suit your needs can be confusing.
It may be tempting to opt for a cheaper option, but if you don’t have the right type of coverage, it could end up costing you a lot in the event of an accident. It’s good to know what types of insurance are available to car owners and what coverage each type provides.
Third party car insurance covers injuries to other people and damage to their property in the event of an accident. Third party insurance can have different levels of coverage:
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CTP is compulsory insurance that every car must have to be legally registered in every state and territory in Australia. It is illegal to drive without at least this insurance. Some states and territories include CTP insurance automatically as part of the registration process, while other states allow you to select your CTP insurance and purchase your insurance separately.
CTP covers people who may be injured if your vehicle is involved in an accident. But it does not cover damage to the driver and passengers in your vehicle, nor does it cover damage to your car, other vehicles or property.
You pay the lowest premium for CTP insurance, but get the least amount of coverage in return – you could still end up with significant liability in the event of an accident.
This insurance covers damage to other vehicles and property in case of an accident. It does not cover damage to your own car, although some insurance companies may cover some damage if your car is involved in an accident with an uninsured vehicle.
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Apart from third party property protection, this insurance also protects against loss or damage to your vehicle in case of fire or theft.
As the name suggests, comprehensive comprehensive insurance covers damage to your car, other vehicles (if caused by your car) and property, along with damages to all people involved in the accident. Damages are covered. It also covers theft, fire damage, arson and certain weather events.
But it is important to remember that some exclusions may apply to comprehensive insurance. Check the policy document carefully to avoid last minute surprises.
If you have a new car or a used car in good condition, comprehensive insurance can be beneficial, although you may have to pay a higher premium. Comprehensive car insurance is also a very competitive market, so it’s often a good idea to compare car insurance from different companies.
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Insurance premiums take into account various factors, such as the type of insurance, your