Are you a Territorian looking to protect your wheels? Well you’ve come to the right place, because here at Mozo registered Northern Territory drivers can compare a range of comprehensive car insurance policies. Check out policies below!
Car insurance comparisons on Mozo - last updated 9 December 2023
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.
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.
Windscreen cover
Yes - standard excess. Option to reduce windscreen excess to $40 on every windscreen claim for an additional premium.
Modifications
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.
QBE’s Comprehensive Car Insurance covers you for things like accident damage, fire and theft. Enjoy three year new car replacement. Get a hire car if you’re not at fault. Lifetime repair guarantee. Save $75 when you apply online.
QBE’s Comprehensive Car Insurance covers you for things like accident damage, fire and theft. Enjoy three year new car replacement. Get a hire car if you’re not at fault. Lifetime repair guarantee. Save $75 when you apply online.
New car if written off
Yes - within 3 years and 60,000 km of original registration
Rental car after theft
Yes - Up to 14 days.
Rental car after accident
Not at fault - yes. At fault - Optional Extra. Up to 14 days.
Windscreen cover
Yes - standard excess ($0 excess for repair only). Option to reduce windscreen replacement excess to $0 for an additional premium.
Modifications
Automatically covered.
Young driver excess imposed
$600 for listed drivers under 25, $1,600 for unlisted drivers under 25.
Roadside assistance
No
Other benefits
-
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.
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 $100 on your first year's premium when you purchase Comprehensive Car Insurance online. T&C’s apply.
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 $100 on your first year's premium when you purchase Comprehensive Car Insurance online. T&C’s apply.
New car if written off
Yes - within 3 years and 60,000 km of original registration
Rental car after theft
Yes - Up to 14 days.
Rental car after accident
Not at fault - Yes. At fault - Optional Extra. Up to 14 days.
Windscreen cover
Yes - standard excess ($0 excess for repair only). Option to reduce windscreen replacement excess to $0 for an additional premium.
Modifications
Automatically covered.
Young driver excess imposed
$600 for listed drivers under 25, $1,600 for unlisted drivers under 25.
Roadside assistance
No
Other benefits
Receive a $100 online discount when you take out a new policy.
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.
ROLLiN’ put their customers in the driver’s seat by offering great value comprehensive car insurance with no additional excess for young drivers. Zero cancellation fees, 24/7 claims support via phone and a policy paid monthly. Plus, you can list multiple cars and drivers under the one policy, as long as they fit the underwriting criteria
ROLLiN’ put their customers in the driver’s seat by offering great value comprehensive car insurance with no additional excess for young drivers. Zero cancellation fees, 24/7 claims support via phone and a policy paid monthly. Plus, you can list multiple cars and drivers under the one policy, as long as they fit the underwriting criteria
New car if written off
Yes - within 15,000km of original registration
Rental car after theft
Yes - Up to 21 days, max $80 per day after a covered event
Rental car after accident
Yes - Up to 21 days, max $80 per day after a covered event
Windscreen cover
Yes - $0 windscreen excess
Modifications
Covered only if agreed in writing.
Young driver excess imposed
No additional excess for young drivers. $3,000 for unlisted drivers
Roadside assistance
No
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.
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.
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.
New car if written off
Yes - within 2 years and a listed driver is the first registered owner
Rental car after theft
Yes - Up to 14 days.
Rental car after accident
Not at fault - Yes. At fault - Optional Extra. Up to 14 days.
Windscreen cover
Yes - standard excess. Option to reduce windscreen excess to $50 for an additional premium.
Modifications
Covered only if agreed in writing.
Young driver excess imposed
Unlisted and aged 25 and over: $700, Unlisted and aged under 25: $2,000, Listed and aged under 25: $600
Roadside assistance
Yes
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.
Save 15% on your first year’s premium when you buy online with Virgin Car Insurance. Manage your policy online 24/7.
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.
Windscreen cover
Yes - standard excess. Option to reduce windscreen excess to $40 for an additional premium.
Modifications
Covered only if agreed in writing.
Young driver excess imposed
$600 for drivers under 21, $500 for drivers aged 21 to 24 inclusive, $600 for unlisted drivers, $500 for inexperienced drivers.
Roadside assistance
Optional Extra
Other benefits
Save 15% on the first years premium when purchased online with a 21-day cooling off period. Up to 10,000 Velocity points for policies purchased by 26 March 2024.
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.
*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.
Comparing NT comprehensive car insurance policies with Mozo
The needs of Territorian drivers are as varied and unique as the land they reside on. From the beautifully biodiverse Top End to the Red Centre and Alice Springs in the south. Roads can vary depending on whether you live in Darwin, one of the major towns or off the beaten track. So it’s important to make sure you have the right level of insurance for your vehicle.
The comparison tables above show a snapshot of comprehensive car insurance policies on offer right now. Here you can see what discounts are available, whether paying monthly is an option and what the range of excess is for each insurance plan. Plus, if you want to read more about an individual policy you can click through to a longer review with more information. Or, if you’re keen to get a quote, press on the ‘go to site’ button to go directly to an insurance provider’s website.
For more information on car insurance in the Northern Territory in general, have a read of the frequently asked questions below.
What are the car insurance options in the Northern Territory?
No matter where you live, you must have compulsory third party car insurance to legally drive in Australia. In the NT this is known as the Motor Accidents Compensation (MAC) scheme. It is described on the MAC Commission website as ‘personal injury cover for you and your family’ and is included in your NT motor vehicle registration*.
It is also a ‘no-fault’ scheme, meaning that drivers are covered, regardless of who caused an accident. The MAC scheme provides cover for drivers, passengers, cyclists and pedestrians in the Northern Territory. This type of insurance does not provide cover for your vehicle.
If you want to make sure your wheels are covered, you will have to take out either third party fire and theft or comprehensive car insurance. Both of these as well as third party property car insurance are available in the NT. Let’s break this down in more detail.
What cover is provided with third party property insurance?
Generally speaking there are two types of third party property insurance. These are simply third party property and third party property fire and theft. Third party property car insurance provides liability for accidental damage that you may cause to someone else’s property. It does not usually provide cover for your own car.
You can add some level of protection for your wheels, however, with third party property fire and theft. This is basically third party property insurance: legal liability for you, plus cover for if your car is damaged as the result of a fire, attempted theft or theft.
How does comprehensive car insurance work in the NT?
If you’re keen to avoid a big bill at the mechanic’s, then you may want to look into comprehensive car insurance. This type of car insurance will cost you more in premiums, but will also provide more cover for your car. This includes cover if your car is damaged, as well as liability for damage you may cause to someone else’s car.
Comprehensive car insurance can also provide cover for stuff like personal items, hire car costs following a not-at-fault accident, emergency transport and accommodation, replacement keys if you lose yours and towing costs. There is also often the option to pad out your cover with optional extras. These can include choice of repairer, cover for a hire car following an at-fault accident and reduced window glass replacement excess cover.
What will affect my car insurance premium in the Northern Territory?
How much you pay for your car insurance premium will depend on how likely the insurance company thinks you are to make a claim. To work out this likelihood, the insurance provider will look at a number of factors, including:
Your age. As drivers under 25 tend to have less experience on the roads, they are often charged a higher premium. That said, your premium could also be priced higher if you are over 25 and have less than two years of driving experience under your belt.
Your gender. Statistically speaking, women have less car accidents than men and as such are often charged lower car insurance premiums. Read more about why women pay less for car insurance here.
Where you park your car at night. Whether you park your car in a garage or on the street at night will have an affect on your car insurance premiums.
Where you live. What the crime rate is like and whether your local area is prone to extreme weather events like flooding will have some effect on what you pay for insurance.
Your wheels. How old your vehicle is, what safety measures it has, the model and size are all factors that will be used to calculate your car insurance premium costs.
Driving history. Your driving history including past insurance claims, scrapes and accidents will all be taken into account when calculating your premium. You will also be asked how many kilometres you drive on average each year.
What policy you choose. The type of policy you choose will also determine how much you pay. That also takes into account whether or not you add optional extras such as choice of repairer or roadside assistance onto your policy.
How might car theft in the NT affect my insurance?
As mentioned above, one of the factors that is taken into account when calculating premiums is the rate of car theft in a particular area. So, the rate of car theft in the Northern Territory may have some effect on how high or low your premiums are.
The good news is that according to the National Motor Vehicle Theft Reduction Council, car theft in the NT actually decreased by around 23% between September 2019 and September 2020^. This might mean that if you live in an area where car theft has reduced, your premium may go down. In that time period light commercial utility vehicles and small passenger cars were the most targeted by thieves.
Darwin had the highest rate of car theft, closely followed by Alice Springs. Some of the most targeted vehicles were the Toyota Hilux MY05_11, the Toyota Hilux MY15+ and the Holden Commodore VE MY06_13. If you own a vehicle that is more likely to be targeted by thieves, or you live in an area with a higher car theft rate, this could affect your insurance premiums.
What car insurance discounts are available in the NT?
If you’re looking to reduce your car insurance premiums, there are a few commonly available discounts to look out for. These are:
Online discounts. Most car insurance policies have a presence online these days and will even give you a discount for signing up virtually.
Multi-policy discount. If you’re also after insurance for your home or contents, you might consider bundling your policies and taking advantage of a multi-policy discount.
Restricted driver discount. If you are the sole driver of your car, or you know that other drivers will be over 25 or 30, you might be able to bag a restricted driver discount.
No claim bonus. A bit more of a long game reward, the no claim bonus is a discount offered by a lot of insurance companies. This discount depends on you not making any claims, or at least not making any at-fault claims and is accumulated over time.
Family discount. This one usually applies to under 25s who opt for the same insurance provider as their parent or guardian.
Loyalty discount. One of the perks of sticking with the same insurance provider for a number of years is a loyalty discount. If that describes you and your provider hasn’t yet offered you money off, by all means get on the phone and ask for one!
Pay-as-you-drive plans. A number of insurance companies these days offer pay-as-you-drive or pay-per-kilometre plans. So if you only drive your car on weekends or you’ve been driving less lately, this could be another way to save money.
Is car insurance compulsory in Tasmania?
Yes, like all other states and territories in Australia, you’ll need some level of car insurance to drive in Tasmania.
This level of insurance doesn’t cover any damage caused to your car or others’. Instead it’s there to compensate you for reasonable medical, ambulance and hospital costs, rehabilitation expenses, income loss, long term care for serious injuries and disability allowance.
As on the mainland, other levels of car insurance in Tasmania are elective. However, it’s advisable to have at least a basic level of voluntary cover in case you cause an accident, as otherwise you may be left with a massive repair bill for any damages you cause to your own car and others.
The most basic level within this is third party property damage car insurance, which covers you for repair or replacement costs if you cause damage to other people’s vehicles or property. Every policy differs slightly, but there are generally dollar limits on what your insurance company will pay out. And remember: third party property insurance does not cover your own car in any way.
If you live in an area with a high crime rate or park your car on a dangerous street, you might consider bumping up your third party cover to include fire and theft car insurance. This will cost a little extra, but is a useful safeguard for your car if it’s in a riskier environment.
Comprehensive car insurance is the highest level of cover you can take out in TAS. As a base, it covers repair or replacement costs for your own and other vehicles should you cause an accident. Depending on your provider and policy, it can also include cover for additional costs that crop up around road accidents like towing, emergency accommodation, travel and hire car costs.
How much does car insurance cost in Tasmania?
You pay CTP through MAIB as part of your annual vehicle registration in TAS, so this cost will be determined by the kind of vehicle you drive. As an example, the annual MAIB premium for a motor car (which is a standard car meant to carry passengers) is $302.*
When it comes to elective coverage, a higher level of cover means a higher premium, so a comprehensive policy will cost more than third party car insurance. Just remember, if you cause a costly accident or own a reasonably new or valuable car, paying a little more each year on your premium for additional cover could save you money down the road.
Regardless of the type of car insurance you choose, there are a range of demographic and behavioural factors which can impact your car insurance cost. Insurance companies will use statistics to calculate how much of a risk you are on paper, and provide a car insurance quote which mitigates high risk with a higher premium. Some of the factors they go off include:
Your age & gender. Based on road accidents and the cost of insurance claims, younger or more inexperienced drivers are a higher risk and female drivers are statistically safer.
Where you liveand whether yourcar is garaged. If your car is on the street in a dangerous neighbourhood, expect a premium bump.
Your driving habits and history. On the bright side, some insurance providers offer cheaper premiums for Tasmanians who don’t use their cars often. But flip the coin to someone who drives a lot or has black marks on their driving record, and you’ll find a more expensive premium.
What is covered by comprehensive car insurance in Tasmania?
Every car insurance provider will offer slightly different benefits, which will then be affected by the kind of driver you are and the kind of vehicle you drive. With that in mind, there are some things you can generally expect to see on your comprehensive car insurance policy. This includes coverage for:
Damage to another driver’s car when you cause an accident
Damage to your car in an accident
Other accidental damage (like reversing into a retaining wall)
Fire damage
Theft and attempted theft of your car
Vandalism and malicious damage
Emergency repairs
Towing costs in an emergency
Travel and accommodation costs if you’re a certain distance from home after an incident
Damage to personal property in your car.
Are there any optional extras I should have when driving in TAS?
Some car insurance policies will include certain features as standard, which in other policies only come as optional extras. Generally speaking, the more feature-rich your policy is the more expensive it will be whether you include things optionally or if they’re offered from the get-go. Some features to consider which may only be offered as optional extras include:
Excess-free windscreen cover. This is great if you live on a large Tassie block and might need semi-regular windscreen repairs from driving on unsealed roads.
Rental car after accident. You’ll often find this is included after a theft as standard, but not after road accidents, particularly if you’re responsible for a crash.
Modifications. Many providers will be happy to insure your cool vehicle upgrades, you’ll just have to let them assess it and set a price for coverage before taking out a policy.
Choice of repairer: Being able to choose your own repairer is a good option if you have a trusted mechanic or panel beater in mind and want them to see to all repairs.
24-hour roadside assistance. If you’re concerned about getting stuck in between Tassie townships, roadside assistance can get you out of a bind. This is usually sold as a separate product to most insurance policies.
No claims bonus protection. This is a veil of protection added onto your clean driving record which has earned you a discount on your premium. It’ll keep the no claims discount intact if you make a claim in some scenarios.
How does car theft and accidents affect insurance in TAS?
As mentioned, your cover can be affected by where you live, drive and park your car, as different areas have different levels of crime rates and road incidents, and therefore come with higher risk. So it’s important to have an idea of what that risk is in your state and local area.
TAS road accident statistics
Serious injuries and fatalities on Tasmanian roads were slightly higher in 2020 than the running ten-year average, according to Tasmania Transport Services.** There were 284 people who were seriously hurt and 36 lives lost.
A report from the Department of State Growth found two-thirds of serious casualties were caused by vehicles veering off the roadway or into oncoming traffic, resulting in head-on or other kinds of collisions.^ It also found a lack of attention while driving and experience as a driver were the two leading causes of casualties, closely followed by inappropriate speed.
Tasmania road weather dangers
Tassie is home to some of Australia’s coldest towns, which brings a very dangerous element to the driving equation: black ice. With temperatures dropping as low as -14 degrees Celsius^^, black ice (a thin coating of transparent ice) is a much more common threat in some areas.
Be sure to watch out for weather warnings and avoid driving when black ice is prevalent, especially on roads prone to it like the Huon Highway and the Southern Outlet.
Car theft in Tasmania
Of the 1,067 vehicles reported stolen in Tasmania during the calendar year of 2019-2020, around 75% have been recovered, according to the National Motor Vehicle Theft Reduction Council.+ Major cities were at the top of the leaderboard, with thefts in Launceston, Glenorchy, Hobart and Clarence (in that order) accounting for well over half of these instances.
Insuring your car for theft, fire and malicious damage can be a good way to mitigate the risk of living and parking in these areas. This is generally covered in a comprehensive car insurance policy, or can be added onto third party car insurance. Also consider parking your car on your property or in a garage to reduce the likelihood of theft or vandalism – you may even reduce your car insurance premium in the process.
What's the best car insurance in the Northern Territory?
When looking for a new policy, most people want to find the best car insurance in Australia to cover their rides. So, a great place to start is by checking out the winners in the Exceptional Value and Exceptional Quality categories in the latest Mozo Experts Choice Car Insurance Awards for 2023.
The Mozo experts analysed over 10,000 car insurance quotes to find the best value policies for the widest range of customers. Check out the methodology report for more information.
However, not all policies are one-size-fits-all, so it’s important to bear this in mind when comparing car insurance policies in the NT.
External sources
* Tasmanian Government (Dec 2020), ‘MAIB Premiums’ - accessed 21 Jan 2021
** Tasmanian Government (Jan 2021), ‘Tasmanian crash statistics’ - accessed 21 Jan 2021
^ Department of State Growth (Dec 2016), ‘Towards Zero Tasmanian Road Safety Strategy 2017-2026’ - accessed 21 Jan 2021
^^ ABC News (Aug 2020), ‘Liawenee in Tasmania's Central Highlands breaks record for coldest temperature in island state’ - accessed 21 Jan 2021
+ National Motor Vehicle Theft Reduction Council (Sep 2020), 'National context' - accessed 21 Jan 2021
As a finance journalist, Olivia investigates insurance, banking and property. After completing a double degree in journalism and media and communications, Olivia became a lifestyle editor at Time Out Sydney and freelanced for notable publications such as Guardian Australia and SBS News. She was Mozo’s resident car insurance enthusiast until Februrary 2022, and has (ASIC RG146 Tier 2) certification to provide general insurance advice. She edited content for the Mozo Experts Choice Awards, and was also the co-host of Mozo’s podcast, The Finance Burrito.
The Motor Accidents Compensation (MAC) scheme is the type of compulsory third party car insurance that you must have to legally drive a vehicle in the Northern Territory. It is included in your NT vehicle registration and is designed to provide cover for personal injury sustained from motor vehicle accidents.
Unlike some other versions of compulsory third party car insurance, MAC is a no-fault scheme, meaning you are covered no matter who causes an accident. The scheme covers drivers, passengers, cyclists and pedestrians.
Benefits included in MAC are medical, rehabilitation and financial support for people recovering from serious and in some cases, permanent injuries resulting from a motor accident.
It should be noted that this type of insurance does not provide cover for your car or liability for any damage you may cause to someone else’s car.
In short, an excess is the amount you choose to contribute towards a bill, before your insurance kicks in. So if you have an excess of $500 and a bill for $1,000, you would pay the first $500 and your insurance company would pay the other $500.
In general, the higher the excess you choose, the lower your insurance premiums will be. This is because if you do have to claim, your insurance provider will pay less of your bill if you have a higher excess. So having a higher excess may cost you less in insurance premiums, but more come claim time. On the flip side, if you have a lower excess your premiums will be higher, but you will probably pay less if you do have to make a claim.
Insurance providers often offer a range of excess options to choose from. This range is included in the snapshot of insurance plans listed above.
If you’re looking to find Australia’s best car insurance, a great place to begin is by checking out the winners in the Exceptional Value and Exceptional Quality categories in the Mozo Experts Choice Awards for Car Insurance. Our experts analysed the pricing and product data and determined these as the insurance policies offering the best range of features for competitive premiums.
Not all customers are looking for the same thing when it comes to car insurance, so it’s important to bear this in mind when comparing policies.
There are two different ways insurance companies can value your vehicle: these are by market value or agreed value. A simple definition of the two is:
Market value. Quite simply this is how much your car would fetch on the open market. If you opt for market value, your insurance provider will take into account depreciation, what kind of shape your car is in, the model, age and so forth. The market value will most likely go down as your car ages.
Agreed value. This is a value that you and your insurance company agree on, when you sign up to your policy. Your insurance provider will review the value each time you renew your policy and will probably decrease it, as your car gets older.
In the event that your car is written off and so long as you have comprehensive car insurance, your provider will usually pay the sum your vehicle is insured for. How much you receive will depend on whether your car is valued at the current market value or a previously agreed upon value.
Alternatively, if you have new-for-old replacement cover, your insurance provider may pay for the purchase of a new, similar car. Generally this applies if your car is less than two years old when it is written off.
A number of factors are used to calculate how much you pay in insurance premiums. As mentioned above these can include things like car theft and they can also include car accidents. To expand on this, if there are a lot of accidents in your area, your car insurance provider may take this into account when working out your premium.
According to Road Safety NT there were 23 lives lost as a result of motor vehicle accidents in 2020 (up to 10 December 2020)**. In 2019 that number was 35 and in 2018, 50. While you can’t easily change where you live, you can of course take precautions by being a safe driver yourself. Between 2009 and 2019, a key contributing factor to fatal accidents was the consumption of alcohol. So, by following road rules and being a careful driver you can not only protect yourself and everyone else around you, but you could also lower your car insurance premiums.
According to a report from Suncorp, windscreen claims were the most common type of claim in the NT, in 2019. These types of claims made up 36.24% of claims in the territory that year. This was followed by single car collision claims and claims for damage while parked.
When picking an insurance policy for your wheels, you may want to gather a number of quotes from different providers to weigh up your options. For this you’ll need to have a few details handy including:
Your personal information. This can include your full name, DOB, contact details and possibly gender.
Information about your vehicle. This is usually your registration number, the make and model of your car and how old it is.
Your driver’s license. You may have to provide your driver’s license number and how long you have had it.
Where you park at night. The insurance provider may ask you where you usually park your car at night - that is the address and whether you park on the street or in a garage.
Your driving history. You will probably be asked to declare any incidents or accidents that you have had in the past few years.
The distance you drive. To work out your premium your insurance provider will want to know how many kilometres you usually drive per year.
While you don't need a particular kind of insurance for any type of car, there could be policies which suit your circumstances better.
The Mozo team has investigated annual premium quotes and insurance trends for a few different car brands so you can better understand the costs associated with some popular cars:
My car was written off, which was only 2 years old and the value of the car was nowhere near the value to replace. After 2 months or arguing back and forth, I got nowhere and was left out of pocket by $8,000 for a Kia Stonic, which is not an expensive car. Then they decided to also take my 12-month registration and 12-month insurance, that I had only paid a month before upfront. Other insurance companies give you a refund on the insurance that you haven't used in those 12 months and none of them touch your registration. Then to get my excess of $1600 back, after I was told that I needed to pay to get the claim started and would be refunded once they resolved that the accident wasn’t my fault, was like pulling teeth and took another 2 months to be refunded, so they are just MONEY GRABBERS!
Then they sold my written off car at the Auctions, with my personal details left in the Logbooks. I had the new owner harassing me with constant phone calls and this is so wrong on so many levels! I’m absolutely furious with Suncorp and will never use them again in my lifetime.
My car was written off, which was only 2 years old and the value of the car was nowhere near the value to replace. After 2 months or arguing back and forth, I got nowhere and was left out of pocket by $8,000 for a Kia Stonic, which is not an expensive car. Then they decided to also take my 12-month registration and 12-month insurance, that I had only paid a month before upfront. Other insurance companies give you a refund on the insurance that you haven't used in those 12 months and none of them touch your registration. Then to get my excess of $1600 back, after I was told that I needed to pay to get the claim started and would be refunded once they resolved that the accident wasn’t my fault, was like pulling teeth and took another 2 months to be refunded, so they are just MONEY GRABBERS!
Then they sold my written off car at the Auctions, with my personal details left in the Logbooks. I had the new owner harassing me with constant phone calls and this is so wrong on so many levels! I’m absolutely furious with Suncorp and will never use them again in my lifetime.
This company would be the worst customer service I have ever had for car insurance in thirty years of having insurance. They will not answer the phone and leave you on hold for ages and still don’t answer.
Good luck if you ever needed to make a claim. In my opinion they are pathetic.
This company would be the worst customer service I have ever had for car insurance in thirty years of having insurance. They will not answer the phone and leave you on hold for ages and still don’t answer.
Good luck if you ever needed to make a claim. In my opinion they are pathetic.
Got into an accident 7 months ago, the earliest I could be booked into their garage was 1 month later, get there and a told it’ll take 3 months to get my new bumper in. I was disappointed but what other choice did I have!
3 months later (so 4 months after crash) I start getting all sorts of mechanical warnings on my dash and I no longer feel comfortable driving the car, call qantas and they ask if it had been repaired yet, I told them it hadn’t and I haven’t even been contacted for a date yet for repair. After putting me on hold for a bit so they can call the garage I’m told it’s going to take 3 months to order parts, so essentially the garage forgot my repair…
I was told by the nice guy in the call centre he would open a complaint for me, I should hear from them within a week. two calls later to qantas that week I was then dealing with a very rude lady who didn’t have any empathy for my case and again was told they would open a complaint for me and I should hear within two business days…
6 weeks went by and I called qantas having not heard from them, the complaints team ‘closed the complaint and left a note in the file’, they just didn’t contact me or attempt to make any communication with me. What is the point in a complaints dept?!?
My car is finally in for repair, has been there for two weeks just to replace the bumper. I get a call on the 12th day to say it’s finished and I can come and collect it. Just for them to call back sheepishly to say that they hadn’t in fact turned the car on and therefore didn’t notice all the warnings on the dash.
Now the rental car supplied by qantas needs to be returned as it is only available for the first 14 days of repair, my cars still not fixed 7 months after the accident and I still haven’t heard anything from qantas regarding my complaint.
This is not car insurance, this is incompetence. Clearly under resourced, poorly organised and quite frankly the most professional scam.
Got into an accident 7 months ago, the earliest I could be booked into their garage was 1 month later, get there and a told it’ll take 3 months to get my new bumper in. I was disappointed but what other choice did I have!
3 months later (so 4 months after crash) I start getting all sorts of mechanical warnings on my dash and I no longer feel comfortable driving the car, call qantas and they ask if it had been repaired yet, I told them it hadn’t and I haven’t even been contacted for a date yet for repair. After putting me on hold for a bit so they can call the garage I’m told it’s going to take 3 months to order parts, so essentially the garage forgot my repair…
I was told by the nice guy in the call centre he would open a complaint for me, I should hear from them within a week. two calls later to qantas that week I was then dealing with a very rude lady who didn’t have any empathy for my case and again was told they would open a complaint for me and I should hear within two business days…
6 weeks went by and I called qantas having not heard from them, the complaints team ‘closed the complaint and left a note in the file’, they just didn’t contact me or attempt to make any communication with me. What is the point in a complaints dept?!?
My car is finally in for repair, has been there for two weeks just to replace the bumper. I get a call on the 12th day to say it’s finished and I can come and collect it. Just for them to call back sheepishly to say that they hadn’t in fact turned the car on and therefore didn’t notice all the warnings on the dash.
Now the rental car supplied by qantas needs to be returned as it is only available for the first 14 days of repair, my cars still not fixed 7 months after the accident and I still haven’t heard anything from qantas regarding my complaint.
This is not car insurance, this is incompetence. Clearly under resourced, poorly organised and quite frankly the most professional scam.
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