Car Insurance

Essential protection for you and your vehicle

Car insurance provides valuable protection against unexpected costs if your vehicle is damaged, stolen, or involved in an accident. Depending on the type of policy you choose, cover can extend to repairs or replacement of your own car, as well as damage caused to other people’s property. With options ranging from comprehensive protection to more basic third-party cover, you can select the level of insurance that best fits your needs and budget.

Car Insurance Explained

When choosing car insurance, it’s important to understand the main cover options available. In Australia, most policies fall into three categories:

• Comprehensive Car Insurance
  This is the highest level of cover available. A comprehensive policy not only protects you against the cost of damage to your own vehicle in an accident, but also covers damage you cause to other people’s cars or property. It usually includes protection against theft, fire, storm, hail, and vandalism, and often comes with optional extras like roadside assistance or a hire car after an accident.
• Third-Party Property Damage Insurance
  It covers you for the costs of repairing or replacing someone else’s vehicle or property if you’re at fault in an accident. However, it won’t cover the cost of repairing your own car. This type of insurance is often chosen by drivers with older or lower-value vehicles where the cost of comprehensive cover may not be worthwhile.
• Third-Party Fire and Theft Insurance
  This includes cover for damage you cause to someone else’s car or property, plus limited protection for your own vehicle if it’s stolen or damaged by fire. It does not cover accidental damage to your car in a collision. This option may suit drivers who want extra security beyond third-party cover but don’t need the full benefits of comprehensive insurance.