Compare Car Insurance Australia: Save up to 15% online

Are you looking for the cheapest car insurance? You’ve landed in the right place. Mozo has rounded up some of this month's top comprehensive car insurance deals from popular Australian providers to save you time and money. Compare car insurance policy features and discount offers before clicking to get a personalised online quote for your car.

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Car insurance comparisons on Mozo - last updated 14 August 2022

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
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    Yes Costs Extra
    Choice of repairer
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    Optional Extra
    Choice of excess
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    $500 - $1,850
    Agreed or market value
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    Agreed Or Market

    Available discounts

    • Online Discount Up To 15%
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  • Comprehensive Car Insurance

    Want to save on your car insurance? Qantas Car Insurance has competitively priced cover you can tailor to suit you and your budget. And because it's Qantas Insurance, it’s more rewarding too with up to 20,000 points just for joining. Points based on your premium after 60 days. T&Cs and eligibility apply.

    Monthly premiums
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    Yes Costs Extra
    Choice of repairer
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    Optional Extra
    Choice of excess
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    $400 - $1,850 (varies By State)
    Agreed or market value
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    Agreed Or Market

    Available discounts

    • No Claim Discount
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  • Comprehensive Car Insurance

    Easier, better, smarter car insurance. Say g’day to ROLLiN'. They've taken the complicated out of car insurance and created a new route that's simple, u-turn free and keeps you in the driver’s seat. No cancellation fees, 24/7 online claims service and a policy that’s pay monthly. Buy now and boost your single car value under your policy by 15%. Excesses Apply.

    Monthly premiums
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    Choice of repairer
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    No
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    $800 Flat Excess Fee
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    Agreed

    Available discounts

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    • Comprehensive Car Insurance

      Stella have created a more intuitive experience and offer a product that’s been designed with women in mind; offering premium benefits, and optional extras and rewards for being a safe driver. Stella are backed by QBE.

      Monthly premiums
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      Yes Costs Extra
      Choice of repairer
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      No
      Choice of excess
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      $800 - $2,000
      Agreed or market value
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      Agreed

      Available discounts

      • No Claim Discount
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    • Comprehensive Car Insurance

      Huddle Car Insurance, Pay as you drive & save up to 30% (T&Cs apply). 24/7 claims lodgement and new-for-old replacement (under 2 years).

      Monthly premiums
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      Yes
      Choice of repairer
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      No
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      $500 - $5,000
      Agreed or market value
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      Agreed Or Market

      Available discounts

      • Pay As You Drive Cover With Pricing Tiers Available For Limited Kms.
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      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 comprehensive car insurance. Buy online and save on your first year’s premium. T&C’s apply.

      Monthly premiums
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      Yes Costs Extra
      Choice of repairer
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      Optional Extra
      Choice of excess
      coins icon
      $400 - $2,200
      Agreed or market value
      Car coin icon
      Agreed Or Market

      Available discounts

      • Online Discount $75
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    • Comprehensive Car Insurance

      When change happens to you, like a new or used car, think Youi - a car insurer that’s all about you and where your life’s at right now. Start a quote with Youi today to see what you could save. Mozo People’s Choice Most Recommended Car Insurance award winner in 2021^.

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

      Available discounts

      • Save 20% Off Contents Insurance When Youi Car Insurance Also Held At The Same Address (excludes CTP) T&C’s Apply.
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      Details
    • Comprehensive Car Insurance

      Take advantage of Woolworth's Price Beat on any comparable Comprehensive renewal notice if you're over 25. Buy online and you could save up to 15% on your premium. Features Drive Less, Pay Less to reduce premiums. Get a quote today. Winner in Exceptional Value Car Insurance Award 2020.

      Monthly premiums
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      Yes Costs Extra
      Choice of repairer
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      No
      Choice of excess
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      $500 - $5,000
      Agreed or market value
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      Agreed Or Market

      Available discounts

      • Online Discount 10%
      • Up To 15% Promotional Discount Consisting Of: 5% First Year Discount, 5% For Online Applicants, 5% Discount If You Exclude Drivers Under 25
      • Drive Less Pay Less Option To Reduce Premiums For Limited Kilometres.
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    • Price Saver Comprehensive

      Save 15% on your first year’s premium when you buy online with Virgin Car Insurance. Earn up to 10,000 Velocity Points when you buy a new eligible Car Insurance policy by 4 July 2022. Manage your policy online 24/7.

      Monthly premiums
      Calendar icon
      Yes Costs Extra
      Choice of repairer
      tools icon
      Optional Extra
      Choice of excess
      coins icon
      $500 - $1,850
      Agreed or market value
      Car coin icon
      Agreed Or Market

      Available discounts

      • No Claim Discount
      • Online Discount 15% Discount On First Year’s Premium
      • Restricted Drivers Discount Available
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      Details
    • Black Comprehensive Car Insurance

      Huddle Black Comprehensive Car Insurance with extra benefits. Pay as you drive & save up to 30% (T&Cs apply). 24/7 claims lodgement and new-for-old replacement (under 2 years).

      Monthly premiums
      Calendar icon
      Yes
      Choice of repairer
      tools icon
      No
      Choice of excess
      coins icon
      $500 - $5,000
      Agreed or market value
      Car coin icon
      Agreed Or Market

      Available discounts

      • Pay As You Drive Cover With Pricing Tiers Available For Limited Kms.
      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.

    Monthly Snapshot

    In the first quarter of 2022, the average cost of car insurance for households in Australian capital cities was approximately $30.39 per week, according to Statista. Those in Adelaide saw the highest average weekly car insurance cost with almost $38 and Perth the lowest at just $18. 

    This month car insurance providers are offering a variety of deals for new customers, including online sign-up discounts, savings when you bundle other insurance products, and attractive free roadside insurance inclusions. 

    Compare car insurance policies with Mozo

    Show transcript

    A new or recent model car is likely to be the second biggest purchase you’ll make in your life. So, it’s worth protecting with comprehensive car insurance. But let’s be honest, while cars are amazing, both for what they are and what they enable you to do, researching car insurance options can take some of the shine off your experience.

    Annual or monthly premiums, no-claim bonuses, high or low excess, online discounts, new for old replacement, the options and details can be dizzying. Which is why so many people don’t even look at their policies before renewing.

    But a bit of research can save you plenty. At Mozo, we’ve done all the digging for you - sifting through policies to make them easy to compare. We break them down so you can see the features that are important to you like windscreen damage, rental car during repairs, and if younger drivers are covered on your policy.

    Head to Mozo.com.au to compare car insurance policies and find the right insurance for you and your car - and save your hard earned cash for other purchases.

    There’s a lot to consider when it comes to choosing a car insurance policy. Whether you’re assessing policy features and levels of cover, or ensuring premiums won’t blow out your budget when renewal time rolls around, there are plenty of factors that you might need to think about.

    Mozo’s car insurance policy table featured above is an easy way to compare car insurance online. At a glance, you’ll be able to see important features like any featured discounts, whether you have the flexibility to choose your own repairer, your excess levels, and if you can pick between agreed or market value when covering your wheels.

    To get you rolling, we’ve summarised the ins-and-outs of car insurance, so that you’re up-to-date with all the info you’ll need to choose the best car insurance for you. 

    Is car insurance compulsory in Australia?

    In Australia it’s mandatory to have compulsory third party insurance (CTP) at the minimum. CTP insurance will cover you for legal liability if you cause injury, death, or damage to property while in control of a vehicle. It is mandatory in all states and territories, but will differ slightly depending on where you live. 

    Read on for more information on how car insurance works and what cover you are legally required to have before you hit the road.

    How car insurance works

    When you take out a car insurance policy, you’ll pay an agreed-upon premium which covers you for certain benefits. These benefits are listed in your policy’s product disclosure statement (PDS). 

    The PDS is a little like the terms and conditions of your policy, including what you’re covered for, which circumstances are not covered, if there are extras you can add to your policy, and how much you could be paid in the event of a successful insurance claim. 

    Generally, you’ll either have an annual or monthly period of cover. At the end of each period you’ll need to renew your policy by paying a new premium.  

    Your premium may change with each renewal, even if your circumstances haven’t. That’s why it’s important to read the renewal notice carefully, in case you’re paying significantly more for the same cover. You might be able to save by switching your car insurance policy to a cheaper or better value-for-money policy.  

    Compare car insurance policies here, including some of the latest discounts. 

    When you make a claim, contact your provider and they’ll lead the process from there. Remember: there are some things that are not covered by car insurance. Make sure you know what isn't covered by your policy before beginning a claim.

    If your claim is successful, you’ll often be required to pay an excess before the agreed-upon costs are covered. Then, voilà! You’ve taken out a car insurance policy and made a car insurance claim.

    How to find cheaper car insurance

    We'd all love to be spending less on our insurance than we have to. But did you know that there are things you can do which might lower the cost of your car insurance premium? 

    Read more about how to find the cheapest car insurance here

    What are the three types of car insurance?

    Car insurance might seem confusing, especially if you’re a first time insurance customer. The first thing to understand is the three tiers of car insurance policies:

    • CTP insurance

    • Third party insurance

    • Comprehensive car insurance.

    Levels of car insurance cover - comprehensive and third party


    Compulsory third party (CTP)

    Compulsory third party insurance (CTP) is also known as a greenslip and is compulsory in Australia by law when you register your vehicle. 

    It provides the driver legal liability cover for injuries or death for which they’re responsible. How you go about procuring your CTP insurance differs slightly based on the state or territory you live in, as does the cost of compulsory third party insurance. 

    Third party property car insurance

    Third party property car insurance is optional and covers damage to another person’s vehicle or property but not to your own car. Third party is generally cheaper than a comprehensive policy and may be right for you if your wheels aren’t worth much. 

    Fire and theft car insurance is a popular additional option to this level of cover for people who park their cars in the street or live in an area with a high crime rate. It protects your car against damage caused by fire or theft, but not in the event of an on-the-road accident.

    Comprehensive car insurance

    These are the types of policies you’ll find compared by Mozo and are the highest level of car insurance. When a claim is accepted, comprehensive car insurance will cover you against accidental damage to other people’s property but also for damage to your own vehicle, even if the accident is your fault. 

    Depending on the individual policy, comprehensive car insurance policies can also cover you for things like damage to personal property within your car, the use of a rental car and a host of other features.

    While a comprehensive policy is usually the most expensive policy option, it can be made more affordable through a range of discounts, sign-on offers and clever car insurance comparison.

    How much does comprehensive car insurance cost?  

    The cost of a comprehensive car insurance policy can change significantly depending on who is asking for the quote. Every car insurance company uses a different formula to calculate premiums, so you never can tell exactly what determines the cost on an individual level.

    Car insurance premium considerations - Mozo 2021 Car Insurance Report

    The 2021 Mozo Car Insurance Report helps provide a ballpark figure for the cost of car insurance costs with these factors in mind. 

    Some of the common demographic and behavioural factors that can alter the cost of car insurance include:

    • Your age

    • Your gender

    • Where you live

    • Where you park your car

    • The condition of your vehicle

    • How often you drive.

    Here’s a detailed overview of the factors which may affect the cost of your comprehensive car insurance policy:

    Your age

    Young drivers are considered higher insurance risks than their more mature counterparts as they’ve spent less time behind the wheel and are statistically more likely to be involved in road accidents (the same goes for older inexperienced drivers). So, drivers under 25 are usually charged a higher premium and excess.

    Mozo’s 2021 report found a significant difference between premiums for young and senior drivers. Our data found those under 25 pay an average price of $1,449 for their insurance, while those aged between 55 to 64 pay $791 on average.

    Your gender

    Similarly, male drivers are considered more of a risk to insure than women, so women can often get cheaper car insurance. Again, this is because men are statistically more likely to be involved in incidents on the road which cause more extreme and costly damage to vehicles and property. 

    In 2021, Mozo research found men pay an average of $83 more than women each year on comprehensive car insurance.

    Where you live and where you keep your car

    If you keep your car on your property away from potential harm, you’ll likely see a reduction in your car insurance costs. But your postcode can also impact your premium. 

    You may be offered differently priced policies depending on the state or territory you live in, but the regions within those borders can also impact price. This is largely linked to levels of vehicle theft, road accidents and other statistics connected to the area. 

    In 2021, drivers living in certain areas of New South Wales and Victoria – notably the metro parts of Sydney and Melbourne – as well as the Northern Territory have been paying higher average premiums than people in other states and territories. 

    The age, make and colour of your vehicle

    It seems logical that newer, more expensive car models cost more to insure, as they are likely going to be more costly to replace or repair. But interestingly, Mozo’s 2021 report found your car’s colour can also impact your insurance premium.

    Again, this may be related to statistics around the cars that are most likely to be stolen or involved in car accidents. Mozo identified blue cars as the cheapest on the colour spectrum to insure ($994), while black cars ($1,073) were the most expensive.

    See how the rest of the colour wheel stacks up:

    Car colours affect insurance premiums - Mozo Car Insurance Report 2021

    How often you drive

    Some insurance companies offer cheaper premiums for Aussies who don’t use their cars very often. This is often known as pay-as-you-drive insurance or a drive less, pay less policy option.

    It usually involves setting and sticking to a kilometre limit for your policy period and being rewarded with a discounted premium. Usually, if you go over this projected mileage you can top it up with extra kms, but this may impact the cost of your insurance.

    How heavily some of these factors weigh in the insurance company’s calculations differs. With each provider putting a different price tag on your policy, it's super important to shop around and not just go with the first quote you get.

    How else can I save on my car insurance?

    There are a range of car insurance discounts that can help reduce your premium. Each provider and car insurance policy is different, but across the market you could see the following discounts being offered: 

    • Multi-policy discount

    • Online discount

    • Restricted driver discount

    • Family discount

    • Loyalty discount

    • Fuel efficient discount


    Types of car insurance discounts

    Multi-policy discount

    Some providers don’t just cover your vehicle needs but also operate in home insurance or life insurance. They can reward you with discounts depending on the amount of policies you take out with them.

    Online discount

    Some policies will be slashed (often for the first year) if you take them out online rather than in person at a branch. This is because it's essentially a more efficient, cost-effective way for the provider to sign-on new customers.

    Restricted driver discount

    If you can guarantee there won’t be many drivers or restrict the age of the drivers listed on your policy, you could also be up for a discount on your premium.

    Family discount

    If your parents have a car insurance policy with the same provider, you may be able to nab a discount on your own policy which is handy if you’re a first time car insurance customer. You might even be able to get a no-claims discount if you have been listed on your parents' insurance policy and not made a claim. 

    Loyalty discount

    If you’ve held the same policy for a number of years, some car insurance providers will offer you a discount when it comes to renewal time. If they don’t, you should ask for one!

    Fuel efficient discount

    An increasingly popular discount in the car insurance market is to reward customers who choose an eco-friendly vehicle. If your car is fuel efficient or a green electric car, look out for policies that will slash your premium thanks to your environmentally-conscious ways.

    What are some of the extras to compare and consider with comprehensive cover?

    Car insurance policies are a little like snowflakes, no one policy is the same as the next. Some may come with features as standard, while others will require you to opt-in. Generally speaking, the more feature-rich your policy is the more expensive it will be. Some features to consider include:

    • Windscreen cover
    • Choice of repairer
    • Hire car cover
    • Personal property cover
    • Roadside assistance

    Here's some more detail about these optional car insurance extras. 

    Windscreen cover

    Windscreen cover is sometimes an additional extra you’re required to ask for when taking out your policy. This will cover any damage to your windscreen or any glass on your vehicle. Remember,  you might have to pay an excess to use this feature of your policy.

    Choice of repairer

    Being able to choose your own repairer is available on some high-end comprehensive car insurance policies. This is a great option if you have a trusted mechanic or panel beater in mind and want them to see to all repairs.

    Hire car cover

    If your vehicle is facing a stint on the sidelines, how will you get about? This is where hire car cover kicks in. Some providers won’t include it as standard at all, while others might only cover the costs of your rental if your car is stolen and not damaged or vice versa.

    Personal property cover

    This kicks in if your car is raided or you’re in an accident and your fancy sunnies are damaged. Each policy will have a different cap, so keep that in mind if you often leave valuables in your car.

    Roadside assistance

    Roadside assistance is the helping hand that comes to the rescue when you’re broken down. Most insurance companies won’t offer this as standard, but some do. If you like the added security of knowing your immediate mechanical solutions will be met, keep an eye out for this additional extra.

    What’s the best car insurance?

    The best car insurance policy is one that complements your personal needs and budget. The best way to uncover this policy is to do your research, consider your options thoroughly and compare car insurance quotes.

    That’s where the Mozo Experts Choice Car Insurance Awards come in handy. Each year Mozo’s Expert Judges analyse thousands of comprehensive car insurance quotes to find some of Australia’s best quality and best value policies. See the winning providers below, then investigate policy details of the best car insurance in Australia.



    Picture of Jack Dona
    Jack Dona
    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?

    Your provider will base the cost of the insurance on the state or territory in which the car is registered, as well as your permanent address. 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 policies specifically in your state, Mozo has the details on localised providers, including those in:

    How much does car registration cost in Australia?

    While you are required to register your car in the state or territory where you live to legally drive on Australian roads, car rego costs and inclusions differ between the states and territories. In some it’s a standalone cost, and in others it’s bundled together with your CTP insurance.

    To find how much it costs where you live, check out our comprehensive guide to car registration costs in Australia.

    Is there special car insurance for some makes and models?

    While you don't necessarily need a particular type of car insurance for certain car  makes and models, there may be policies better suited to your brand of wheels.

    So you can better understand the insurance costs associated with some popular car brands, we've broken down the numbers for:

    How do car insurance claims work?

    We hope that this is just useful background info, but it’s important you know what to do after you’ve been in an accident and how to go about making a claim.

    You’re going to need to have a few things on hand so that the claimsprocess runs as smoothly as possible. First of all, you’ll have to knowthe details of the accident including:

    • the date and time
    • the location of accident or incident
    • other driver’s details (including the phone number and licence details)
    • any witness statements / other road-users involved.
    • any photo evidence
    • a police report (if applicable)

    The majority of car insurance providers are riding the digital wave and will allow you to lodge and keep track of your claim online. But if you prefer to keep it old-school you can just as easily call your car insurance provider up. Some are available via phone 24/7 so that you can make a claim whenever you want.

    When you make a claim on your insurance, you’ll have to pay your insurance excess upfront before any repair work begins on your car. Some other expenses to be aware of after a claim could include an increase in premium the following year, or if it was an at fault accident, a possible hit to your hard-earned no claims bonus.

    What is car insurance excess? 

    The ‘excess’ is the amount of money you’ll have to pay your insurance provider upfront if you make a claim. Most offer you the option to choose your own excess level or give you a certain degree of leeway. If you choose a really high excess, your premium will be cheaper but you’ll need to pay a higher amount to access your coverage when you make a claim. There are some basic excesses you might be required to pay including: 

    • Age excess: This could be imposed if the driver making the claim is under the age of 25 and may be even pricier if the driver is under the age of 21. Young driver excesses can range between approximately $500 and $800, then upwards of $1,000 for unlisted young drivers. 
    • Unlisted driver excess: If you want to make a claim and the driver who was involved in an accident is not listed on the policy, it is likely you'll be asked to stump up an unlisted driver excess. This amount could be in the $800 ballpark, or closer to $1,400 for younger drivers. 
    • Inexperienced driver excess: If you’re over the age of 25 but you’ve 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 you chip your windscreen you might only have to pay a $100 excess. Other policies will even offer excess-free windscreen cover.

    What is a ‘No claims bonus’?

    A no claims bonus is a discount that is applied to car insurance policyholders who have a clean track record and haven’t made any claims against their car insurance. 

    There are generally different discount tiers that apply depending on how long you’ve kept a claim-free history, but this amount can reach as high as 70% of your premium with some providers. The no claims period you’ve built up with one provider, in most cases, can be transferred to another. Keep in mind you might not be offered the same discounted rate.

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

    When comparing comprehensive car insurance online, you’re bound to come across the terms 'market value' and 'agreed value'. We have a dedicated guide to agreed vs market car value to help you understand the difference. 

    In short, market value is the amount your car would fetch on the open market while agreed value is a predetermined amount you and your insurance company agree to cover your car for. These figures become important when you make a claim or your car is written off in an accident or insured event.

    What do you do if you’re involved in a car accident?

    While this will change slightly depending on the kind of road accident you find yourself in and who is responsible for it, there are a few general things you should remember to do. 

    Firstly, stay calm, ensure anyone involved in the incident is safe and, if possible, that damaged vehicles or debris aren’t creating road hazards – put your hazard lights on as a warning to other road users if appropriate. If someone has been injured and requires medical assistance, call emergency services on 000.

    The next steps involve exchanging contact and ID info with other involved parties, noting down details like the date and time and collecting evidence like photos of the damage or road conditions. If applicable, you may need to contact police to lodge a report or call animal rescue services to assist injured wildlife.

    For more detailed information on specific car accident scenarios, read Mozo’s step-by-step guide on what to do if you’re involved in a car accident.

    What happens if my car is written off?

    If your car is deemed a write-off, your comprehensive car insurance policy will step in and either pay out the amount you are insured for, or pay for the purchase of a new car, minus your excess.

    A car is considered a write-off when the costs to repair the damage outweighs the value of the vehicle. This will be determined by your insurance provider assessors.

    Does comprehensive car insurance for modified cars cost more?

    If you’ve recently kitted your car out with a sweet stereo system or aftermarket sunroof, you have the choice of insuring your car for these additions or not. If you don’t upgrade your comprehensive insurance and then find yourself in an accident, your claimed may be denied if the modification wasn’t listed on your policy.

    Not all modifications will cause your insurance premium to increase. Some mods like an alarm system could even result in a premium reduction.

    It's worth checking prior to making modifications to make sure it won’t void your car insurance. The last thing you want is to get your car detailed and find out the insurance company has a policy against insuring cars with a matt black paint job. 

    Will I have to pay my full car insurance cost upfront?

    Most car insurance policy quotes are worked on an annual basis. While you will have the option to pay your insurance policy in full when signing up, there might be the option to pay for the cost in monthly instalments. With some providers, this feature is offered at no extra cost, while others will include a small fee.

    If you do opt for the monthly feature, it is a good idea to sign up for a direct debit so you don’t always have to remember your repayment date. There's nothing worse than going to make a claim only to find you’ve missed a payment and voided your insurance! 

    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 – rather than just being included on your parents' – 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 hold a comprehensive car insurance policy, it’s likely storm and hail damage is covered. Your insurance provider may apply various limits and exclusions for specific circumstances during storms to your policy, so be sure to read your policy documents carefully before assuming you’re covered across the board.

    However, third party car insurance (which covers a set level of costs for damage you might cause to other peoples’ vehicle or property while driving) generally will not include cover for storm and hail damage.

    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.

    Is my windscreen covered by my car insurance?

    Most comprehensive car insurance policies will cover your windscreen for repairs and replacements, so long as the circumstances leading to the damage are listed as insurable events under your policy. Like any other claim, there may be specific limits or exclusions for windscreen cover, so be sure to read the fine print for these details.

    It’s also important to note that many policies offer $0 or significantly reduced excess levels on claims for windscreen repair and replacements (either as standard or as an optional extra for an additional cost). This means you can might be able to make a windscreen claim without having to foot such a large excess costs before the cover kicks in.

    Read more about how this could impact your policy and wallet at claim time with our guide to windscreen cover and car insurance.

    Are car insurance premiums tax deductible?

    You may be able to claim your car insurance cover premium as a tax deduction, but only if you use your own vehicle in performing your job. You'll have to work out the percentage of private and business-related use either using a logbook method or a cents-per-km method. Check the ATO website for details and how to calculate your usage for tax purposes.

    Will car insurance cover engine failure?

    Unfortunately, engine failure is not usually covered under car insurance. This is because an engine gets worn out over time, bringing it into the territory of normal wear and tear. 

    Car Insurance Reviews

    Youi Comprehensive Car Insurance
    Overall 1/10
    Tried to get an online quote only to get to the en

    Tried to get an online quote only to get to the end and asked for phone call request? Went through all the questions again on the phone only to be told at the end the agreed value was pitiful. If you have an older car don’t bother. A waste of an hour!

    Read full review

    Tried to get an online quote only to get to the end and asked for phone call request? Went through all the questions again on the phone only to be told at the end the agreed value was pitiful. If you have an older car don’t bother. A waste of an hour!

    Value for money
    1/10
    Policy coverage
    1/10
    Less
    Tim, Queensland, reviewed 3 days ago
    ING Comprehensive Car Insurance
    Overall 1/10
    Bad insurance company

    Very very bad insurance company very bad service I don't recommend it to anyone stay away from it .very bad handling claims and answering phones I lodge a claim 3 month ago and nothing happened they ask you to ring and you stay on hold for over an hour with no response also they never reply to ur email .I really had a bad experience with this unprofessional insurance company .ING and auto general are really bad

    Read full review

    Very very bad insurance company very bad service I don't recommend it to anyone stay away from it .very bad handling claims and answering phones I lodge a claim 3 month ago and nothing happened they ask you to ring and you stay on hold for over an hour with no response also they never reply to ur email .I really had a bad experience with this unprofessional insurance company .ING and auto general are really bad

    Value for money
    1/10
    Policy coverage
    1/10
    Customer service
    1/10
    Claims handling
    1/10
    Trust
    1/10
    Less
    Mohammed, Victoria, reviewed 3 days ago
    Virgin Money Comprehensive Car Insurance
    Overall 4/10
    Communication below acceptable. No follow through

    Post my accident didn't contact other insurance companies. I was then asked by this company to pay damages. I am fully covered. I contacted virgin and sent them paperwork and no reply. I also contacted other insurance companies and gave them my details including my claim number. Despite this, I am now dealing with debt collectors. It is not my responsibility or job to communicate between the two companies. Also, I shouldn't as a result of their poor handling be dealing with debt collectors and potential bad credit rating when I've done nothing wrong

    Read full review

    Post my accident didn't contact other insurance companies. I was then asked by this company to pay damages. I am fully covered. I contacted virgin and sent them paperwork and no reply. I also contacted other insurance companies and gave them my details including my claim number. Despite this, I am now dealing with debt collectors. It is not my responsibility or job to communicate between the two companies. Also, I shouldn't as a result of their poor handling be dealing with debt collectors and potential bad credit rating when I've done nothing wrong

    Value for money
    8/10
    Policy coverage
    7/10
    Customer service
    7/10
    Claims handling
    2/10
    Trust
    3/10
    Less
    Brendan, Western Australia, reviewed 3 days ago

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