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Car Insurance FAQs
As its name suggests, this type of insurance is mandatory when registering your car and protects you against compensation claims if you injure or kill another person while behind the wheel.
Comprehensive insurance covers damage to both your car and other cars/property if you’re held responsible for an accident. This type of insurance also includes theft, as well as damage associated with a range of natural occurrences like bad weather. That said, some policies don’t offer cover against items such as hail damage or floods, so it’s always worth checking before you buy.
This policy covers your car if it’s stolen or damaged by fire, for example a house or building fire. It also covers damage you may cause to the car or property of someone else (a third party).
The most basic level of protection, this policy covers you for damage you cause to another person’s car or property, but not your own. Third Party Insurance can also include liability cover, which may assist you financially through legal claims related to your accident.
Comprehensive car insurance covers damage to your vehicle, but your policy often doesn’t cover personal property which might be damaged or stolen while inside. If you regularly keep expensive gadgets, such as computers or mobile phones inside your car, it may be worth considering additional cover.
If you’ve ever had one of those scary tyre pressure or fuel warnings flash across your dash, you’ll know that the day usually ends with several missed appointments and an expensive tow truck bill. Standard comprehensive insurance doesn’t cover things like punctured tyres or breakdowns outside of warranty. Which is why a lot of us end up stranded in the middle of nowhere with a large bill for towing and repairs. Roadside assistance is an extra that provides, well, roadside assistance and could cover you for things like battery issues and flat tyres. It may also cover the cost of locking your keys in the car, emergency petrol top ups and other mechanical faults.
If your car needs to be repaired following an accident, you could be left without a way to get around for weeks or even months. Accident car hire means that the cost of hiring a car while yours is getting repaired is covered by your insurer. The daily limit and duration of hire can differ between insurers so make sure you check your Product Disclosure Statement when signing up for this particular policy.
Adding a windscreen and glass option covers you against all of those tiny chips and cracks which can be extremely expensive to fix. Level of coverage can differ so it’s important to read your full PDS to be clear on any out of pocket costs or impact to your No Claims Discount.
Things you should know
Compare Club Car Insurance is an online financial comparison service and is owned and operated by Compare Club Australia Pty Ltd (ACN 634 600 007). Compare Club does not compare all brands or all products offered by all brands.
The financial products compared on this website do not necessarily compare all features that may be relevant to you. Please check with a financial professional before you make any major financial decisions.
Any advice given here is general and has been prepared without considering your current objectives, financial situation or needs. Therefore, before acting on this advice, you should consider the appropriateness of the advice having regard to those objectives, situation or needs.
You should consider the insurers PDS prior to making the decision to purchase their product. For more information please read our Financial Services Guide (FSG) which contains further information about how our service works and how we make money.