Getting back on the road in 2022? Here’s what you need to know

Photo by Kevin Laminto on Unsplash

The lockdowns of 2020 and 2021 saw a decrease in Australian drivers hitting the road, due to several factors, including the shift towards working from home, as well as restrictions like  lockdowns and border closures.

But now that the road to recovery is within sight, many motorists are back on the streets after a lengthy two year hiatus. 

After such a long break, there are a few things which you should be considering before you get back behind the wheel.

Is your insurance policy up to date?

Given how the events in recent years have broken us out of our normal routines, you could be forgiven for having let your car insurance policy lapse.

Not only is it a legal requirement to have at least compulsory third party insurance (CTP) in many states and territories, but it’s also a really important financial tool in the event that you cause an accident.  

CTP insurance, while it goes by different names in some states, doesn’t cover repair costs. It will only provide cover for injuries to yourself, passengers and other drivers. 

There are two main types of car insurance which you need to know about: the first being the aforementioned CTP insurance, and the other being comprehensive car insurance. A comprehensive policy will usually cost more than CTP, but these policies may help you to cover the repair or replacement costs if your car is badly damaged in an accident. In other words, it’s probably a good idea. 

Also, it’s good to note that there are plenty of online discounts available on car insurance policies, so be sure to check those out before you put your cash down on the table. 

So, if your policy has lapsed, you’re looking to upgrade to a comprehensive car insurance policy, or you’re thinking about switching your policy, then comparing car insurance policies should be your first pit-stop.

Compare comprehensive car insurance policies - rates updated daily

Search promoted car insurance below. Advertiser disclosure. Important information on terms, conditions and sub-limits.
  • Gold Comprehensive Car Insurance

    Monthly premiums
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    Yes Costs Extra
    Choice of repairer
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    Optional Extra
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    $500 - $1,850
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    Agreed Or Market

    Available discounts

    • Online Discount Up To 15%
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  • Comprehensive Car Insurance

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

    Available discounts

    • No Claim Discount
    Go to site
    Details
  • Comprehensive Car Insurance

    Monthly premiums
    Calendar icon
    Yes
    Choice of repairer
    tools icon
    No
    Choice of excess
    coins icon
    $800 Flat Excess Fee
    Agreed or market value
    Car coin icon
    Agreed

    Available discounts

      Go to site
      Details

    Are you considering purchasing a new vehicle in 2022?

    If you’re on the road again this year, you might be looking at purchasing a new car. Whether you’re after a second-hand vehicle or a brand new one (for that new car smell), you need to consider a few factors. 

    If you’re buying a car interstate, buying a used-car, or getting one fresh out of the box at a dealership, the question of financing your new wheels comes into play. 

    Car loans are a great way to get yourself a new ride if you don’t have the funds to purchase it outright. It’s not only useful for those trying to buy a brand new vehicle, as there are also used car loans available. 

    It’s also worth noting that no matter the condition of the car you’re looking at purchasing, unless you’re a mechanic or a motorhead, you may benefit from a car inspection service. This is especially important for those looking at purchasing a car online, when you can’t be there yourself to test it out.

    In each state and territory these organisations are:

    It’s also important to consider how much registration costs on your new vehicle. This differs a little from state-to-state, so make sure you’re aware of how much you’ll be looking at, depending on where you live, and factor that in.

    Compare comprehensive car insurance policies - rates updated daily

    Search promoted car insurance below. Advertiser disclosure. Important information on terms, conditions and sub-limits.
    • Gold Comprehensive Car Insurance

      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

      • Online Discount Up To 15%
      Go to site
      Details
    • Comprehensive Car Insurance

      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
      Go to site
      Details
    • Comprehensive Car Insurance

      Monthly premiums
      Calendar icon
      Yes
      Choice of repairer
      tools icon
      No
      Choice of excess
      coins icon
      $800 Flat Excess Fee
      Agreed or market value
      Car coin icon
      Agreed

      Available discounts

        Go to site
        Details