Driving to avoid public transport? Make sure your car insurance is right

By Tara McCabe ·
Blonde woman sitting behind steering wheel with face mask on.

With Australia experiencing a second wave of Covid-19, nearly half of Aussies are worried about catching public transport, according to a recent survey by McKinsey.

The survey shows that nearly 20% of commuters intend to use their own vehicle more in the coming months. In line with this, statistics gathered by Citymapper reveal that after dipping dramatically in April, traffic volumes started to creep back up again in May and June. In fact, traffic volumes in Perth were even higher in July than in pre-pandemic times, says the Royal Automobile Club of Western Australia.

But is all this extra driving being suitably covered by insurance?

Car insurance to combat risk

According to a report released by the Australian Road Safety Foundation in April, a shocking one in four drivers admitted to taking more risks during lockdown. This is most likely linked to the fact that two-thirds of Australians believed the roads were safer in March and April.

Now, with traffic volumes increasing again, hopefully less drivers will feel inclined to speed, use a mobile phone behind the wheel, run a red light or even drive after drinking - just some of the infractions drivers admitted to in the roady safety report. Nonetheless, it is never a bad idea to make sure your car is fully covered.

Check out the comprehensive car insurance policies below, to get started.

Promoted
  • Earn up to 20,000 Qantas Points for joining
  • Earn Qantas Points for car safety
  • New for old replacement

You might not be getting on a plane anytime soon, but that doesn’t mean you can’t still build up your Qantas Points. With Qantas’s Comprehensive Car Insurance you could earn a maximum of 20,000 Qantas Points, depending on how high your annual premium is. For instance, if your premium is between $850 and $1,250, you could earn approximately 10,000 points. You can even earn points through the Qantas Wellbeing App for taking yearly safety precautions.

Plus, you’ll receive all the usual forms of cover that come with comprehensive car insurance, including new for old replacement (for cars written off within two years or with 40,000 km on the clock), hire cars and emergency transport.

Promoted
  • 15% online discount
  • Choice of repairer (optional benefit)
  • New car replacement (conditions apply)

With Budget Direct’s Comprehensive Car Insurance you could snag a 15% discount on your first year’s premium, simply for signing up online.

Cover with this insurance policy includes loss or damage to your vehicle, damage to other people’s property and new car replacement. With new car replacement, details of what you are covered for varies depending on whether you have gold or standard cover. Finally, you’ll be pleased to hear that choice of repairer is an optional benefit you can take advantage of.

Promoted
  • New car replacement
  • Personal items cover up to $1,000
  • Baby gear cover up to $2,000

New kid on the insurance block, Stella’s Comprehensive Car Insurance is designed by women with women in mind. It comes with all the usual cover, including theft and accident damage and new car replacement (if you are the first registered owner of the car and it is written off within three years or has been driven less than 60,000 km). Plus, there is also up to $1,000 cover for personal items and up to $2,000 cover for baby gear.

Promoted
  • 15% online discount
  • $100 e-Gift card when you purchase before 30 September 2020
  • Hail hero app

Virgin Money’s Price Saver Comprehensive Car Insurance comes with a whole heap of sign up perks. There’s a 15% discount off your first year’s premium for signing up online, plus a $100 e-Gift card to be had, when you purchase an eligible policy before 30 September 2020. 

As the name suggests, cover with this policy is comprehensive, including accidental damage to your car, storms, flooding, hail, fire and collisions. Plus, speaking of bad weather events, you can even download the Hail hero app and get SMS alerts, so that you and your wheels have time to duck for cover.

Didn’t find the insurance policy you were after? Head to Mozo’s compare car insurance page for more options.

*Any information provided on this page should be considered a summary and general advice only. All information should be verified before purchase via the relevant Product Disclosure Statement (PDS).

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Tara McCabe
Tara McCabe
Money writer

Tara McCabe writes across all areas of personal finance here at Mozo from banking through to insurance. Tara is expert at practical money tips, showing readers ways to live richer and be socially conscious while doing it. She earned a BA (Hons) in English Literature from Canterbury Christ Church University.