Compare Car Insurance Australia: Save up to 15% online

Looking for cheaper car insurance? At Mozo, we've simplified things for you, allowing you to compare policies and providers effortlessly, all in one place. Let's dive into the world of car insurance together!

RG146
Fact Checked
car insurance

Car insurance comparisons on Mozo - last updated 17 April 2024

Search promoted car insurance below. Advertiser disclosure. Important information on terms, conditions and sub-limits.
  • Gold Comprehensive Car Insurance

    Get award winning Car Insurance. Save 15% ^ on your first year’s premium when you purchase a new policy online. Budget Direct offers tailor-made cover, new-for-old replacement, 24/7 claims, a highly-rated claims service, and get a hire car following a theft.

    Monthly premiums
    Calendar icon
    Yes Costs Extra
    Choice of repairer
    tools icon
    Optional Extra
    Choice of excess
    coins icon
    $550 - $1,900 (varies By State)
    Agreed or market value
    Car coin icon
    Agreed Or Market

    Available discounts

    • No Claim Discount
    • Online Discount Up To 15%
    Compare
    Details
  • Comprehensive Car Insurance

    QBE’s Comprehensive Car Insurance covers you for things like accident damage, fire and theft. Enjoy three year new car replacement. Get a hire car if you’re not at fault. Lifetime repair guarantee. Save $75 when you apply online.

    Monthly premiums
    Calendar icon
    Yes Costs Extra
    Choice of repairer
    tools icon
    Optional Extra
    Choice of excess
    coins icon
    $300 - $2,550
    Agreed or market value
    Car coin icon
    Agreed Or Market

    Available discounts

    • Online Discount $75
    Compare
    Details
  • Comprehensive Car Insurance

    ROLLiN’ put their customers in the driver’s seat by offering great value comprehensive car insurance with no additional excess for young drivers. Zero cancellation fees, 24/7 claims support via phone and a policy paid monthly. Plus, you can list multiple cars and drivers under the one policy, as long as they fit the underwriting criteria

    Monthly premiums
    Calendar icon
    Yes
    Choice of repairer
    tools icon
    No
    Choice of excess
    coins icon
    $800 Flat Excess Fee
    Agreed or market value
    Car coin icon
    Agreed

    Available discounts

      Compare
      Details
    • Comprehensive Car Insurance

      Australia Post Comprehensive Car Insurance offers a broad range of coverage and includes cover for anyone who drives your vehicle. It also covers new car replacement if your recently purchased brand new car is written off within the first three years (provided it has travelled less than 60,000km). Save $75 on your first year's premium when you purchase Comprehensive Car Insurance online. T&C’s apply.

      Monthly premiums
      Calendar icon
      Yes Costs Extra
      Choice of repairer
      tools icon
      Optional Extra
      Choice of excess
      coins icon
      $500 - $2,200
      Agreed or market value
      Car coin icon
      Agreed Or Market

      Available discounts

      • Online Discount $75
      Compare
      Details
    • Comprehensive Car Insurance

      Youi like to get to know you from the very first conversation, which provides you with the opportunity to find comprehensive car insurance cover that could better suit your lifestyle and your needs. Because we’re all individuals, so we all use our cars differently from day-to-day. Youi is car insurance that’s a bit more you-shaped.

      Monthly premiums
      Calendar icon
      Yes Costs Extra
      Choice of repairer
      tools icon
      Optional Extra
      Choice of excess
      coins icon
      $400 - $2,500
      Agreed or market value
      Car coin icon
      Agreed Or Market

      Available discounts

        Compare
        Details

      ^See information about the Mozo Experts Choice Car insurance Awards

      *Terms, conditions, exclusions, limits and sub-limits may apply to any of the insurance products shown on the Mozo website. These terms, conditions, exclusions, limits and sub-limits could affect the level of benefits and cover available under any of the insurance products shown on the Mozo website. Please refer to the relevant Product Disclosure Statement and the Target Market Determination on the provider's website for further information before making any decisions about an insurance product.

      Car insurance resources

      Reviews, news, tips and guides to help find the best car insurance for you.

      Car Insurance Snapshot: April 2024

      April brings school holidays, Easter road trips, and the opportunity to drive through autumn's vibrant display. This month, we're not just navigating traffic but also the increased chance of wildlife encounters, highlighted by a 34% rise in such incidents reported by NRMA.

      As you plan for holiday adventures or simply to take in the changing season, a quick review of your car insurance is wise. The recent Mozo Car Insurance Report 2023 points to climbing premiums, making this the perfect moment to reassess your coverage. 

      This ensures you're protected against the unforeseen, from wildlife on the roads to other travel mishaps. Ensuring your policy matches your needs this April could bring peace of mind on those scenic drives and family visits.

      Reviewing quotes from multiple car insurance providers not only allows you to find the cheapest car insurance that still meets your needs, but if you look in the right places you might just unlock further discounts. 

      And conveniently, we’ve rounded up some of this month’s most attractive deals:

      Car insurance deals April 2024

      15% off your first year of Budget Direct car insurance cover 

      The Budget Direct Gold Comprehensive Car Insurance policy also comes with a 15% discount off your first year’s premium for those who purchase online, and even offers a no claims discount that could reduce your premium by up to 15% after 5 claims-free years of coverage (T&Cs apply). 

      One to watch in 2024: Rollin’s Aussie-first Safe ‘n Save car insurance app 

      Speaking of no-claims discounts, one to look forward to in 2024 comes from Rollin’ Comprehensive Car Insurance, in the form of the provider’s new Safe ‘n Save app, which rewards safer driving. 

      While it’s only available for business-use drivers right now, Rollin’ hope to have it in the pockets of Australians in the near future (we have our fingers crossed for this year). Read more about Rollin’s Aussie-first app

      Score 10% off your grocery shop at Woolies with Everyday Insurance from Woolworths

      When you take out an Everyday Comprehensive Car Insurance policy, you could save 10% off your in-store Woolworths grocery shop once a month (T&Cs apply). 

      There's also a drive-less-pay-less option available, which could help those who drive under 15,000km per year to save cash, while still getting the comprehensive cover they prefer (T&Cs apply). 

      Earn up to 20,000 Qantas Points with a car insurance policy from Qantas 

      If you're a sucker for rewards programs, especially when it comes to Qantas, then you might want to look into a Qantas Comprehensive Car Insurance policy. 

      When you take out a policy with Qantas, you could earn up to 20,000 Qantas Points, depending on your premium costs (eligibility criteria and T&Cs apply). On top of that, you could also earn  1 Qantas Point for every $1 you spend on your premium. 

      Up to $115 off your first year of Kogan car insurance cover 

      For instance, the Kogan Comprehensive Car Insurance policy offers an online-only discount of up to $115 for the first year and delivers a $10 Kogan.com voucher each month your policy is active (T&Cs apply). 

      Plus, if you complete a car insurance quote online, you could score an extra $5 Kogan.com voucher to use on purchases over $100 (T&Cs apply). Read more about how Kogan car insurance puts a little extra in your pocket each month

      There's more where that came from

      These are only a fraction of the comprehensive car insurance deals Mozo tracks, so make sure when you compare car insurance, you keep an eye out for discounts that might be relevant to you, such as: 

      • First-year premium discounts 

      • No claims & safe driver discounts 

      • Drive-less-pay-less & pay as you drive discounts

      • Loyalty discounts

      • Seniors Card Holder discounts

      • Family & listed driver discounts

      • Fuel efficiency discounts 

      • Extra security feature (e.g. after-market car alarm) discounts 

      • Multi-vehicle discounts, & more! 

      Mozo tracks over 50 comprehensive car insurance policies. So if you’re looking for a place to start your search, a good place might be with the winners of the 2023 Mozo Experts Choice Car Insurance Awards^ which showcases the best car insurance in Australia.

      Compare car insurance

      Show transcript

      Use Mozo to compare car insurance options and pinpoint a policy that's got all the perks and coverages your car deserves.

      How does car insurance work?

      Car insurance policies act as a contract between you and your insurance provider. In exchange for your premium payments, the provider covers you for a range of events like accidental damage and theft - depending on the level of cover you choose.

      The ‘rulebook’ for your policy is the Product Disclosure Statement (PDS), so make sure you’re familiar with it. If a particular event or item isn't listed in the PDS, chances are you're not covered for it.

      In Australia, you'll generally come across four types of car insurance:

      • Compulsory third party (CTP). A mandatory policy covering the costs of others’ injuries or death from a car accident for which you are responsible.

      • Comprehensive. Provides the most extensive coverage, including accidental damage, theft and liability for injury to other people or property.

      • Third-party fire and theft. Covers you for damage to other people's cars and property, as well as your own car if it's stolen or damaged by fire.

      • Third-party property only. Only covers the damage that your car causes to other people's vehicles or property.

      Levels of car insurance cover - comprehensive and third party

      When fault matters in car insurance

      In a car accident, the focus is on who's at fault. If you're at fault, your insurance covers the damages you're responsible for. If the other driver is at fault and they have insurance, their coverage should take care of it.

      If the other driver doesn't have insurance, you might be in a difficult situation. However, many insurance policies above the basic CTP level will cover you in this scenario.

      There are also cases where both drivers share some responsibility. In these instances, each insurance company will cover damages based on each driver's share of the fault. For example, if it's determined that you're 40% at fault, your insurance would cover 40% of the damages.

      Something to think about: if you're underinsured or not insured for certain things, the other party could potentially come after you personally for damages. And the reverse is true—if they're underinsured, you might have to seek damages from them directly. So, it's always a good idea to know what you're covered for. With that out of the way, let’s take a look at each type of car insurance in a little more detail.

      What is compulsory third party (CTP) insurance?

      Compulsory third party insurance is the legal minimum in Australia—you can't hit the road without it. It covers medical costs if you happen to injure someone in an accident, but keep in mind, it won't cover damage to vehicles or property—that's where other types of insurance, like comprehensive, come into play.

      CTP regulations vary by state, so it's important to familiarise yourself with your state’s specific requirements. But remember, just because you have to have it doesn't mean you can't find a good deal. Shopping around can definitely save you some cash!

      What is comprehensive car insurance? 

      Comprehensive car insurance is the most robust form of cover that complements your mandatory CTP insurance. It takes care of accidental damage to both your vehicle and others' property—even if the fender-bender was your fault. Additional perks often include coverage for personal property inside your car, rental car use while yours is in the shop and natural disaster protection.

      While comprehensive policies generally come at a higher price point, there are various ways to make it more budget-friendly, such as taking advantage of discounts and sign-on offers. A bit of savvy comparison can go a long way.

      What is third-party fire and theft insurance? 

      Third-party fire and theft insurance is the next step down from comprehensive. It covers damage you cause to another person's vehicle or property, but also adds a layer for your own car against fire and theft. 

      So if your car ends up stolen or is damaged by fire, you've got some cushion there. However, your car won’t be covered for accidents you cause, or basically anything other than fire or theft.

      It's a solid choice if you want extra security but aren't looking to go all in with a comprehensive policy. 

      What is third-party property insurance?

      Third-party property insurance is your basic level of optional cover that focuses on the damage you cause to someone else's car or property. 

      It won't cover your own car if you're at fault in an accident—that's on you. But here's a perk: some policies might even offer protection if an uninsured driver hits you. 

      So, it's a straightforward plan that keeps you from having to pay others out of your own pocket, while giving you a bit of a safety net for your own vehicle.

      Why compare car insurance?

      Comparing car insurance isn't just a one-time affair when you buy your first car; it's a smart habit to get into every time your policy is up for renewal. This practice can help you avoid the ‘loyalty tax’ (see below), ensure you're not over-insured, and let you see rates side by side so you know you're getting a fair deal.

      Here are the benefits of doing your due diligence:

      • Avoid the loyalty tax. Staying with the same provider often means paying more over time.

      • Find better rates. Seeing multiple offers helps you understand what's a fair rate.

      • Adapt to life changes. Your coverage needs can shift; make sure your policy does too.

      • Unlock new customer deals. Many providers offer sign-up bonuses or discounts.

      • Understand your coverage. Always read the Product Disclosure Statement to know what you're actually getting.

      • Leverage reviews and ratings. What others say about the insurance can be a valuable insight.

      In other words, don't just auto-renew. Take some time to explore and compare. It's worth it in the long run.

      How to compare car insurance

      Comparing car insurance quotes and policies isn't just about the cheapest option. It's finding what fits you best. Here's how to sort through the choices:

      • What you need. Think about your car. Is it new, old, a weekend cruiser, or a daily workhorse? This helps figure out if you need the full deal or just the basics.

      • What's covered. Look closely at what each policy offers. Make sure it covers what's important to you and doesn't leave out key stuff.

      • Costs now and later. Cheaper now might mean paying more later if you need to claim. Find a middle ground that works for your wallet.

      • The fine print. Check what's not covered and any limits on claims. These details can be real deal-breakers.

      • Who's helping you. Good service is key, especially when things go wrong. Check out what others say about the insurer's customer service and claims process.

      • Nice-to-haves. Perks like roadside help or a replacement car can be great, but decide if they're must-haves for you.

      • Ways to save. Look for any discounts that could apply, like for safe driving or bundling policies. These can make a good deal even better.

      • Gut check. Start with online tools to narrow down options, but also trust your gut. Sometimes what looks good on paper might not feel right.

      With these tips in hand, you'll soon be comparing car insurance like a champ. It's all about finding that sweet spot – the right coverage at the right price. Put in a bit of effort now, and you'll set yourself up for smooth sailing - or should we say driving - down the road.

      How much does comprehensive car insurance cost?  

      The cost of a comprehensive car insurance policy can change significantly depending on your situation. Every insurer has their own secret sauce for calculating premiums, so it's tricky to know exactly what you'll end up paying until you’ve actually requested a quote. 

      Car insurance premium considerations - Mozo 2021 Car Insurance Report

      For a clearer picture, we invite you to get some free comprehensive car insurance quotes to compare for yourself, or check out our 2023 Mozo Car Insurance Report. It dives into average costs based on things like your age, where you live, and yes, even where you park your car.

      Now, let's get into some of the common factors that could impact your premium:

      • Your age. Generally, younger drivers face higher premiums because they're seen as higher risk.

      • Your gender. Some insurers consider gender when calculating risk; often, male drivers may have higher premiums.

      • Where you live. Your postcode can impact your premium. Urban areas with high crime rates might result in a higher cost compared to rural locations.

      • Parking situation. Whether you park on the street or in a secure garage can influence your rate.

      • Condition of your vehicle. A well-maintained car might fetch you a lower premium.

      • How often you drive. The more you're on the road, the higher the risk, and potentially, the higher the premium.

      Just remember that each policy has it’s pros and cons, perks and discounts, exclusions and inclusions - so when conducting your comprehensive car insurance comparison, don’t forget to use the tips from the section above. That way you’ll land on a policy that balances your needs with a price tag you’re happy with.

      Understanding car insurance quotes

      Choosing the right car insurance goes beyond just finding the lowest price. Here’s how to make sure you're getting a good deal:

      • Details matter. Reading through policy details might not be thrilling, but it’s super important. Sometimes a lower quote might mean less coverage, so keep an eye on what each policy includes.

      • Look at the whole picture. While comparing quotes, check out all the perks. Discounts for low mileage or safety features can make a big difference. Each policy might offer something unique.

      • Smart comparison. Use car insurance comparison tools wisely. Make sure you're looking at policies with similar coverages, and understand what makes one different from another.

      • Beware of hidden costs. Keep an eye out for extra fees or charges that might not be obvious at first glance.

      • Regular reviews. Your life changes, and so might your insurance needs. Reviewing your policy regularly can help you ensure it’s still right for you.

      • Ask for help. If insurance terms start to get confusing, there's no harm in getting some expert advice. A quick chat with an insurance professional can help clear things up.

      Finding the right car insurance quote is about striking a balance between cost, coverage and your specific needs. Taking the time to understand and compare your options can lead to better decisions and potential savings.

      Tips for saving money on your car insurance

      Types of car insurance discounts

      Looking to trim down your car insurance bill? You're in the right place. Here are some simple yet effective ways to potentially lower your premium:

      • Garage parking. Got a garage? Park your car there. It's safer and can bring down your premium.

      • Timely payments. Late fees are an avoidable expense. Set a reminder and pay on time.

      • Raise the excess. Increasing your excess can reduce your premium, just be sure it's an amount you can handle in case of a claim.

      • Loyalty discounts. Stick with an insurer who rewards your loyalty through annual discounts or other perks.

      • Bundle policies. Have home insurance? Your insurer may allow you to bundle it with your car insurance for a better overall rate.

      • Compare quotes. Don't just renew—compare. It's the easiest way to know you're still getting a good deal.

      • Online deals. Some insurers give you a break for signing up online. Why not take advantage?

      • Smarter driving. Safer driving or even cutting back on road time can lower your premium.

      Feel free to dive deeper by checking out our complete guide on securing the cheapest car insurance out there.

      What kind of car insurance discounts are available?

      Who doesn't love a good discount? While each insurance company has its own deals, here are a few common car insurance discounts you're likely to encounter:

      • Multi-policy discount. Got a car and a house? Bundle those insurances together and you could score some savings.

      • Online discount. Tap a few buttons, get a discount. Some companies cut you a deal just for signing up online.

      • Restricted driver discount. If it's mostly just you behind the wheel, you might shave a few bucks off your policy by limiting the number of drivers insured.

      • Family discount. Insuring more than one family member's car? There might be a discount for that.

      • Loyalty discount. Stick with the same company for a while, and they might just reward you with a lower rate. Just make sure you review your cover every year to make sure you’re not overinsured or missing out on a better deal elsewhere.

      • Fuel-efficiency discount. Does your car get good gas mileage? Some insurers give you a high-five in the form of a discount.

      So, don't be shy—ask your insurer what discounts you might be eligible for. Every little bit helps!

      Car insurance extras to keep your eye on

      When shopping for a comprehensive car insurance policy, it's tempting to go for the basics to save money. But before you commit, make sure you're not skipping out on any features that could be important to you later on. On the flip side, be cautious of add-ons and premium features that you might not really need—these can sneakily hike up your total premium.

      Here are some optional extras and premium features you might come across:

      • Windscreen cover. If you frequently drive on highways or unpaved roads, consider this option to protect against chips and cracks.

      • Choice of repairer. Some policies offer this as a standard feature, while others make it an add-on. If you have a trusted mechanic, this could be valuable.

      • Hire car cover. Useful if you don't have an alternative mode of transportation while your car is being repaired.

      • Personal property cover. Covers personal items in your car, but if you never leave valuables in your vehicle, you might skip this one.

      • Roadside assistance. Check if you're already covered elsewhere to avoid doubling up.

      Before finalising your policy, assess what's essential for you and what's not. Make sure you're not forgoing something you'll regret later, or getting lured into unnecessary expenses. Always read the fine print to understand the details of what you're getting—and not getting.

      What’s the best car insurance?

      When doing a car insurance comparison, or looking for car insurance quotes, the best policy for you will be one that suits your personal needs and budget.

      But some comprehensive car insurance policies do shine above the rest.

      In the 2023 Mozo Experts Choice Awards for car insurance, Mozo’s dedicated team of researchers and data analysts compared 58 car insurance policies from 51 insurance providers to uncover the best car insurance in Australia.

      Among the winners were:

      To read about the best comprehensive car insurance policies and see why the experts back them, check out the Awards’ methodology report

      Picture of Jack Dona
      Jack Dona
      RG146
      Money writer

      As a Mozo money writer, Jack’s goal is to cut through the jargon and give people the knowledge they need to make better informed financial decisions. With a background in communications and journalism, he brings his creative flair for language to make the world of insurance and money management fun, as well as educational.

      Other key FAQs about car insurance

      Will my insurance be valid Australia-wide?

      Yes, if you drive interstate for a holiday or short-term period, your car insurance will be valid if you are in an accident. 

      If you're planning on spending a lot of time away from your registered address it's a good idea to check with your insurance company to see if they have any limits on the number of days you can be out of the state and still be covered.

      Most car insurance companies operate Australia-wide, but if you are looking to compare car insurance quotes specifically in your state, Mozo has the details on localised providers, including those in:

      How do car insurance claims work?

      Dealing with car accidents is never fun, but they happen. Being prepared for the insurance claim part can take some of the stress out of an already stressful situation.

      First, gather all the info your insurance company will want to see:

      • Date and time. When did the accident happen?

      • Location. Where did it go down?

      • Other driver's details. You'll need their phone number and license details.

      • Witness info. Got any witnesses? Grab their statements and contact info.

      • Photos. Snap some pics if you can.

      • Police report. If the police show up, make sure to get a copy of their report.

      Once you have this information, go ahead and file your claim. Most companies have streamlined this process—you can often do it online. But if you prefer a real human conversation, many have a 24/7 phone line to walk you through it.

      And don't forget about the insurance excess. You have to pay this upfront, even if the accident wasn't your fault. Your insurer will then sort out the details with the other driver's insurance. If they find you're not at fault, you'll usually get your excess money back.

      Keep tabs on your claim's progress and be ready to provide any additional info if your insurer asks. Just be aware: making a claim can affect your future insurance rates. And if you're found at fault, it might impact your no-claims bonus. So, keep that in mind.

      What is car insurance excess? 

      The ‘excess’ is what you agree to pay upfront to your insurance company when you file a claim. Many insurers let you pick this amount yourself. Choose a higher excess and your regular payments, known as premiums, will be lower. But remember, you'll have to pay that higher amount if you actually need to make a claim. 

      Here are some types of excess you might come across:

      • Basic or standard excess. This is your default upfront payment when you make a claim, regardless of the circumstances. It's set when you first take out your policy.

      • Unlisted driver excess: If someone else, not listed on your policy, is driving at the time of the accident, you might have to pay an additional amount on top of your standard excess. This amount could be in the $800 ballpark, or closer to $1,400 for younger drivers. 

      • Age excess: This could be imposed on top of your basic excess if the driver at the time of the accident is under the age of 25. Young driver excesses can range between approximately $500 and $800, then upwards of $1,000 for unlisted young drivers.

      • Inexperienced driver excess: If the driver is over the age of 25 but has only held a driver’s licence for less than two years, you might still have to pay an additional inexperienced driver excess, often similar to young driver prices.

      • Windscreen excess: Some policies will provide windscreen or glass cover but charge a smaller excess than normal for you to access that particular feature. For instance, you might have a $750 excess if you’re involved in an accident but if a pebble simply flies up and chips your windscreen, you might only have to pay a $100 excess. Other policies will even offer excess-free windscreen cover.

      If it turns out that you or the person driving your car is not at fault, you could very well get your excess back. Your insurance company will typically go to bat for you, coordinating with the other driver's insurance to sort out who's responsible.

      What is a ‘no claims bonus’?

      A no-claims bonus is basically a discount you get if you haven't made any claims on your car insurance. The longer you go without making a claim, the bigger your discount could be. In some cases, this could even cut your premium by up to 70%. And if you're thinking of switching insurers, you can usually take this no-claims history with you. Just remember, different companies might offer different rates.

      What is the difference between 'market value' and 'agreed value' car insurance?

      When you're looking at comprehensive car insurance, you'll see the terms ‘market value’ and ‘agreed value’ thrown around. Basically, market value is what your car would sell for right now, and agreed value is a set amount that you and your insurance company agree on. These numbers come into play if you make a claim or if your car is totaled in an accident.

      If you go for market value, you're trusting that your car's current value in the market is fair and okay by you. It's simpler and usually makes for cheaper premiums.

      On the other hand, agreed value gives you more control. You lock in a set amount, so you know exactly what you'll get if something happens to your car. But this could mean your premiums are a bit higher.

      It really comes down to what makes you more comfortable: ease and lower cost, or certainty and control. To help you make the right decision, we have a dedicated guide to agreed vs market car value

      What happens if my car is written off?

      If your car is so damaged that it would cost more to repair it than the car's actual value, it'll likely be declared a ‘write-off’ by your insurance company. If you've got comprehensive car insurance, you're generally in one of two situations. You'll either get a payment for the amount your car is insured for, or they'll cover the cost of a new car for you. Either way, you're still responsible for paying your insurance excess up front.

      The decision about whether your car is a write-off is made by your insurance company's assessors. They'll look at the repair costs compared to your car's value and make the call.

      Can you get car insurance for learner drivers?

      The simple answer is yes, you can have a learner driver listed on your car insurance policy.

      Depending on which company you go with, your child may or may not already be automatically covered. If they’re not, you will have to update your policy either online or over the phone to include them.

      If you’re not sure whether your policy covers learner drivers, the safest thing to do is check. You can either give your insurance provider a quick call or read through your policy's Product Disclosure Statement (PDS).

      You may have to pay a higher excess if you make a claim when a learner is in the driver's seat. This could be a learner driver excess, a young driver excess, an inexperienced driver excess or an undeclared driver excess.

      If your child has their own car, it's a good idea to get it insured in their name sooner rather than later. That way they can start building up a no-claims bonus. For details, check out our full guide on learner drivers insurance.

      Do I need my own car insurance policy when I get my P-plates?

      You won’t necessarily have to take out your own car insurance policy once you get your provisional licence or Ps. This is only necessary if you purchase your own car that's registered in your name. If you’re under 25 you can usually stay on your parents' insurance policy if you are driving a family car. 

      Young drivers car insurance will probably be more expensive. This is because car insurance companies typically take into account how much driving experience you have when determining the cost of your premium. Statistically, younger drivers are more likely to have accidents than older drivers, and therefore premiums go up accordingly.

      One good thing about opting for your own car insurance policy instead of remaining on your parents’ policy, is that you’ll be able to start building up your no claims bonus policy discount. 

      Of course you could just as easily lose it if you are involved in an at-fault accident, or share equal responsibility for a crash.

      Does all car insurance cover storm and hail damage?

      If you have comprehensive car insurance, you're probably covered for storm and hail damage to your car. But don't just assume; always read your policy's fine print to know the limitations and what's not covered.

      On the other hand, if you have third-party car insurance, it usually doesn't cover storm and hail damage to your own car. This type of policy is more about covering the costs if you damage someone else's vehicle or property.

      So, always double-check your policy or call your insurer to know exactly what you're covered for.

      If you want to learn more about how these events are covered by insurance, read this breakdown of how storm and hail damage is covered by car insurance.

      Are car insurance premiums tax deductible?

      If you're using your car for work, you might be able to claim some of your car insurance on your taxes. To do that, you'll need to figure out what percentage of your driving is for work and what's just for fun. You can either keep a logbook of your work trips and mileage or use the cents-per-kilometre method that the ATO outlines. When in doubt, check the ATO website for the specifics on how to make it all legit.

      Will car insurance cover engine failure?

      Sadly, engine failure generally isn't covered by your typical car insurance policy. That's because it's often chalked up to normal wear and tear, which insurance doesn't touch. However, if you have a car under warranty, you might be able to get the engine failure sorted through that avenue. Always read the terms of your warranty and car insurance to know exactly what's covered and what's not.

      Will my insurance cover me to drive other cars?

      The quick answer is no, your own car insurance typically doesn't cover you to drive someone else's car. However, you're most likely covered under that car owner's insurance policy if you have permission to drive it. Keep in mind that the car owner might be responsible for any 'unlisted driver' excess fees if you're not listed on their policy and something happens. If you find yourself driving someone else's car regularly, it could be a good idea for them to list you on their policy to avoid those extra fees.

      Car Insurance Reviews

      Shannons Comprehensive Motor Vehicle Insurance
      Overall 3/10
      Insurance

      Never had insurance before would be able to deal with it

      Read full review

      Never had insurance before would be able to deal with it

      Value for money
      4/10
      Policy coverage
      4/10
      Customer service
      4/10
      Claims handling
      4/10
      Trust
      5/10
      Less
      Steven, New South Wales, reviewed 14 days ago
      QBE Comprehensive Car Insurance
      Overall 8/10
      Great price

      Originally paid $530 for my first policy. Incredible!! AFter making a claim my 2nd year was over $1000. Not sure if the hike was because of the claim and or just general price increase. Still, $1000 is pretty good. My claim was smooth. Will stay with QBE.

      Read full review

      Originally paid $530 for my first policy. Incredible!! AFter making a claim my 2nd year was over $1000. Not sure if the hike was because of the claim and or just general price increase. Still, $1000 is pretty good. My claim was smooth. Will stay with QBE.

      Value for money
      10/10
      Policy coverage
      10/10
      Customer service
      10/10
      Claims handling
      10/10
      Trust
      10/10
      Less
      Rachel, Queensland, reviewed 14 days ago
      Budget Direct Car Insurance
      Overall 6/10
      Worth changing too

      I was stuck on GIO for years but when I compared Budget Direct, I haven't saved a thousand of dollars but $60 savings will do under the current hardships me n my family r having, evey dollar counts atm

      Read full review

      I was stuck on GIO for years but when I compared Budget Direct, I haven't saved a thousand of dollars but $60 savings will do under the current hardships me n my family r having, evey dollar counts atm

      Value for money
      6/10
      Policy coverage
      6/10
      Customer service
      7/10
      Claims handling
      6/10
      Trust
      6/10
      Less
      Kate, New South Wales, reviewed 19 days ago

      More car insurance reviews