Fender-benders and rear-enders: here’s what Aussies are claiming on their car insurance
Australia: A nation of tactless tailgaters, poor parkers and rugged adventurists - that sums up the story of Aussie driving habits after data from insurer Allianz revealed the top car insurance claims in each state.
Motor claims data from the last three years revealed that about one in seven Aussies need to call upon their car insurance policy each year to make a claim but the top reasons for doing so differed depending on where you live.
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Victoria & New South Wales
Motorists from Australia’s two south-eastern states have developed the unhealthy habit of tailgating their fellow road users.
23% of Victorian car insurance claims involved being hit in the rear and, while slightly better, it was also the top claim just north of the border where one in five motorists lodged a claim after being involved in a tailgating accident.
Allianz Australia’s General Manager for Motor Insurance, Leanne Hendy says that the data reinforced the need to maintain a safe distance between you and the car ahead, when driving.
“This is especially true in heavy traffic when motorists may be tempted to drive too closely to the car in front of them,” said Hendy.
South Australia
Apparently our friends from the south have a particular proclivity for making errors when it comes to parking their wheels.
South Australians reported damage done to their vehicle while it was parked or while reversing more than any other type of on-the-road incident, accounting for 19% and 18% of total claims, respectively.
Queensland & Western Australia
Neither notorious tailgaters or amateurs in the carpark, Queensland and Western Australian motorists are just downright unlucky if the data is anything to go by.
The top claim made in these two states was for glass damage, which Hendy believes is a consequence of the open roads.
“The outback roads are more prone to loose gravel or debris, which can fly up into a vehicle’s windshield and cause chips and cracks,” she said.
“Most airborne rocks or gravel come from the vehicle in front, however, so it’s important that drivers stay a safe distance between them, especially if they notice spinning up rocks.”
RELATED: What Aussies want most from their insurance
With a host of Aussies set to pack their cars full of holiday essentials and get on the road throughout December and January, Mozo Director Kirsty Lamont says that the need to make sure their trusty source of transport is adequately covered has never been greater.
“During the festive period a lot of Aussie families and couples like to get out of the city and travel and with more congestion on the roads you’re more likely to be involved in a bingle,” she said.
“To put your mind at ease, make sure that your current car insurance policy is the best option of coverage for you. For example if you’re heading off-road for a family camping trip over Christmas, glass cover as standard will protect your windscreen against any rogue rocks.”
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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. Mozo People's Choice Excellent Customer Service Car Insurance award winner in 2024.
- Monthly premiums
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- Choice of repairer
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Available discounts
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. Mozo People's Choice Excellent Customer Service Car Insurance award winner in 2024.
- New car if written off
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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.
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Comprehensive Car Insurance
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Comprehensive Car Insurance
ROLLiN’ offers affordable monthly comprehensive car insurance with its favourite extras included. No additional excess for young drivers, lodge a claim 24/7 and zero cancellation fees. Hire car is included up to $80 per day for up to 21 days; cover for one tow to our nearest authorised repairer, following a covered incident. No excess on your first covered windscreen, sunroof, and window glass damage once per insurance period. List multiple cars and drivers under the one policy as long as they fit the underwriting criteria (excludes Safe ’n Save policies).
- New car if written off
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- Rental car after accident
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- Young driver excess imposed
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- Other benefits
- Optional benefit to boost the Single Car Value by 15%, it will be shown on your Insurance Certificate
- Other restrictions
- -
- States where offered
- SA VIC NT TAS NSW ACT QLD WA
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.
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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.
- New car if written off
- Yes - within 2 years or 40,000 kilometres of original registration, whichever comes first
- Rental car after theft
- Yes - Up to 14 days, max $1,000 total.
- Rental car after accident
- Not at fault - Yes. At fault - Optional Extra. Up to 14 days for at fault accidents.
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- Yes - standard excess. Option to reduce windscreen excess to $40 on every windscreen claim for an additional premium.
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- Covered only if agreed in writing.
- Young driver excess imposed
- $600 for drivers under 21, $500 for drivers under 24, $600 for unlisted drivers, $500 for inexperienced drivers.
- Roadside assistance
- Optional Extra
- Other benefits
- -
- Other restrictions
- -
- States where offered
- SA VIC TAS NSW ACT QLD WA
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.
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Comprehensive Car Insurance
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- Monthly premiums
- Yes Costs Extra
- Choice of repairer
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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). Get $100 off your first year's premium when you buy Comprehensive Car Insurance online. T&Cs apply.
- New car if written off
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- Rental car after theft
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- Not at fault - Yes. At fault - Optional Extra. Up to 14 days.
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- Yes - standard excess ($0 excess for repair only). Option to reduce windscreen replacement excess to $0 for an additional premium.
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- Young driver excess imposed
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- Roadside assistance
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- Other benefits
- -
- Other restrictions
- -
- States where offered
- SA VIC TAS NSW ACT QLD WA
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.
Read our Mozo Review to learn more about Australia Post Comprehensive Car Insurance
* 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.
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