FAQs about Queensland car insurance
How can I qualify for a no claims bonus in Queensland?
A no claims bonus (also known as a no claims discount) is essentially a reward for safe drivers in the form of a discount off their insurance premium. This is because the safer you are, the less insurance companies have to fork out in repairs! This tends to be based on a yearly scale, so if you avoid having to make a claim in your first year you’ll receive a slight discount which gradually increases year after year (generally up to a maximum of five years).
Best of all, your no claims history will likely be transferable, so if you do decide to switch to a different Queensland car insurance provider you’ll probably be offered a similar discount (though it might not be exactly the same).
What options do I have for paying my car insurance premium in Queensland?
Once you finish going through the process of getting a Queensland car insurance quote, the final figure you’ll be presented with is an annual premium, but depending on the provider you opt for, you may have the option of paying this all at once or in monthly instalments. Just bear in mind that while paying via monthly instalments may be an easier option, you could be charged a slightly higher premium if you choose that option.
When it comes to actually making the payment, most providers will accept payments from a debit card, credit card or bank account via direct debit.
What do I need to do if I need to make a claim in Queensland?
While we hope that you’ll never need to lodge a claim, it is important to know the process you’ll need to go through in the event that you’re involved in an accident.
Firstly while you’re still at the scene of an accident (assuming that no one requires medical assistance) it’s important to grab as many details as you can from any other drivers involved. These details include their names, addresses, phone numbers and licence details. It’s also a good idea to take photos of the scene if you’ve got your phone handy.
The next step is to lodge the claim. There are usually two options for this, either only or over the phone. Bear in mind that if you do end up needing to pay excess, it will have to be upfront before any repair work begins, and if you do make a claim it’s likely to increase your premium in the future.
How much does car insurance cost for learner drivers in Queensland?
Having a learner driver added to your insurance will most likely up your premium. This extra cost will usually come in the form of a learner driver excess. Plus, if the learner driver is under 25, then your insurance company may also add on a young driver excess.
Check out our guide to learner driver car insurance for more information
Can I claim sun damage to my car in Queensland?
Although you live in the Sunshine State, most car insurance policies will not cover your vehicle for general wear and tear. If your car is left parked outside, the paint may become faded and peel. Your insurance company will most probably class this as general wear and tear and you probably will not be covered for it under your insurance policy.
Is my car covered for flood damage in Queensland?
Whether you can claim for flood water damage to your vehicle, will depend on if it is included in your car insurance policy. To be covered for flood damage, you will probably have to opt for a comprehensive policy, a. Although it should be noted that even then, you will have to double check that flood damage is covered.
What are the most common types of car insurance claims in Queensland?
According to a report from Suncorp^^^, windscreen claims made up the largest percentage of car insurance claims in Queensland (25.28%) between 2017 and 2018.
This was followed by at-fault collisions (21.96%), not-at-fault collisions (19.51%) and single car collisions (17.24%)
Does car insurance vary in different states and territories?
No matter where you live in Australia, compulsory third party insurance is a legal requirement. Exactly how it works and whether or not it is included in your registration will depend on which state or territory you live in. Mozo also has car insurance comparison pages for:
How do I find the best car insurance in Queensland?
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.
