Get road trip ready this Australia Day long weekend with a quick car insurance check-in

By Rhianna Dews ·

If you don’t have time to pop overseas and get some Insta-worthy travel content before school goes back for the year, then you might take the Australia Day long weekend as an opportunity to pimp your profile out with some aesthetically-pleasing road trip pics instead!

But before you hit the road, you’ll want to make sure you’ve packed all the road trip essentials: 

  • Road trip soundtrack? Check!
  • Snacks for the road? Check!
  • Car Insurance? Hmm…

It’s always better to be safe than sorry, so if you’re road-trippin’ around Oz over the long weekend, then be sure to do a quick car insurance check-in first so you can be prepared (just in case). Here are some pointers to get you started:

Get roadside assistance

It’s how every horror movie begins… You and your mates are driving down the coast having the time of your lives when suddenly, your car breaks down. It’s dark, you’re in the middle of nowhere and someone forgot to opt-in for roadside assistance. 

Keep in mind that roadside assistance is quite often an optional extra, so unless you want to become the star of your own real-life horror movie, then be sure to double-check whether it’s included in your car insurance policy before you leave.

Be aware that the long weekend could potentially impact roadside assistance response times, so you might want to pack some extra snacks, water, a portable phone charger and maybe even a book to kill some time while you wait.

Make sure all drivers are covered

If you and your mates plan on sharing the load around with the driving this long weekend, then you’ll want to make sure that whoever gets behind the wheel of your car is covered under your insurance policy first - otherwise, it could come back to bite you!

Say you’re involved in a car accident while your friend is driving your car, then unless they’re listed as a nominated driver on your car insurance policy, you could wind up out of pocket and potentially have to cover the repairs costs yourself. Not to mention, you could possibly lose your no-claims bonus too.

Moral of the story, don’t let anyone drive your vehicle unless they’re covered under your policy.

Watch out for double demerits

Don’t forget that double demerit points apply over the Australia Day long weekend for speeding, seat belt, motorcycle helmet and mobile phone offences - so you’ll want to be extra cautious when driving.

Committing a driving offence when double demerits are in force means that you potentially run the risk of losing your licence depending on the type of offence you and the number of points you have prior. Plus, a loss of licence could even affect the price you pay for your car insurance down the track.

Keep your car insurance documents handy

Remember to keep a printed copy of any important car insurance and roadside assistance documents handy, just in case your car breaks down or you’re involved in an accident and need to contact up your insurance provider to make a claim.

Compare car insurance policies - page last updated September 26, 2020

Search promoted car insurance below. Advertiser disclosure.

  • 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
    $500 - $1,850
    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

    Earn up 20,000 Qantas Points when you sign up for Qantas Car Insurance. Points awarded will be based on your premium. Get a quote to see how quickly the points add up. T&Cs apply.

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

    Available discounts

    • No Claim Discount
      Compare
    Details
  • Comprehensive Car Insurance

    Stella are changing the tune on car insurance, offering car insurance made especially for women. Features include no claim reward, new car replacement, customise your policy and more. Enter your car rego and get a quick quote online.

    Monthly premiums
    Calendar icon
    Yes Costs Extra
    Choice of repairer
    tools icon
    No
    Choice of excess
    coins icon
    $800 - $2,000
    Agreed or market value
    Car coin icon
    Agreed

    Available discounts

    • No Claim Discount
      Compare
    Details
  • Price Saver Comprehensive

    Protect your journey with Virgin Car Insurance. Get 15% online discount on Comprehensive cover and receive a $100 e-Gift card* when you purchase a new eligible Virgin Car Insurance policy by 30 September, 2020 (T&C’s apply).

    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 Up To 15%
    • Restricted Drivers Discount Available
      Compare
    Details
  • Comprehensive Car Insurance

    With many people driving less due to the current COVID-19 crisis, Youi are extending relief, offering new and existing clients a temporary 10% saving on car insurance premiums. Get a quote from the company that puts the people first.

    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

    • 20% Discount On Contents Insurance If Youi Car Insurance Also Held
      Compare
    Details

Now, we know what you’re thinking - “but I’ve got it all on my phone!” And that’s great to have as a backup copy, but what happens if you were to lose your phone, or the battery died, or worse, there’s no internet reception? Play it safe and keep a copy in the glove box of your car, just in case.

Not too happy with your current car insurance policy? Then it might be time to make the switch. Head to our car insurance comparison table to find the best deal for you!

*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).

^See information about the Mozo Experts Choice Car Insurance Awards

Mozo may receive advertising fees from the financial institutions, issuers of financial or credit products and third party advice providers that are shown on this page. These fees are based on a cost per click, cost per acquisition, or a fixed fee.

Rhianna Dews
Rhianna Dews
Money writer

Rhianna Dews is a lending writer and millennial money expert here at Mozo. Her work is aimed at keeping twenty-something readers up to date with the latest trends in finance and providing budgeting and debt busting tips. She has a Master of Journalism and Communications from the UNSW.