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Car Insurance
Car insurance in Australia provides financial protection for vehicle owners in the event of accidents, theft, damage, or injury caused by the use of their vehicle. It helps cover repair costs, replacement expenses, and liability claims, ensuring drivers can navigate the financial consequences of unforeseen incidents on the road.
Types of Car Insurance in Australia
- Also known as Green Slip in some states, CTP is mandatory by law for all registered vehicles in Australia.
- Covers injury or death caused to other people in an accident.
- Does not cover damage to vehicles, property, or injuries to the driver.
- Covers damage caused by your vehicle to another person's property (e.g., their car, home, or other assets).
- Does not cover your own vehicle in an accident.
- Includes third-party property damage coverage.
- Also covers your car if it is stolen or damaged by fire.
- Does not cover your vehicle in an accident unless it's related to theft or fire.
- Covers damage to your car and other people's vehicles or property, regardless of who is at fault.
- Covers theft, fire, vandalism, natural disasters, and accidental damage.
What Does Car Insurance Cover?
- Injury or death of third parties involved in an accident caused by your vehicle.
- Damage to other people’s property (e.g., cars, buildings).
- Legal liability for damage caused by your vehicle.
- Damage to your vehicle (accidental, collision, or vandalism).
- Theft or fire damage to your car.
- Natural disasters (storms, hail, floods, etc.).
- Towing and temporary accommodation costs.
- Legal liability for damage to other people's property.
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Get A QuoteYour duty to take reasonable care not to make a misrepresentation
When you apply for, renew, vary, extend or reinstate a consumer insurance contract, you have a legal duty to take reasonable care not to make a misrepresentation to the insurer. This means answering the insurer's questions honestly, accurately and completely. If you do not, the insurer may cancel your policy, reduce or refuse a claim, or treat the contract as if it never existed.
Before you buy
Read the Product Disclosure Statement (PDS) and Target Market Determination (TMD) for any policy before deciding. The PDS sets out what is and is not covered, the limits and the excesses. The TMD describes the class of customer the product has been designed for. We will provide the current PDS and TMD for any policy we recommend, or you can request them from us.