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There’s never been a better time to explore more of your own backyard. And with overseas travel restrictions, road trips have never looked better. From Jervis Bay to the Great Ocean Road, who knows what road you’ll take. No matter the sites you spy, make sure you start with your car insurance. Because when it comes to accidents on the road, there’s no place for games. Find out exactly how you can get yourself home if anything were to happen along the way.
Why is car insurance important?
Australia is full of surprises. And the same goes for when you’re on the road. It’ll always be when you’re on the busiest of highways that a spider who’s set up camp in your air conditioning vents will pop out to say g’day and wreak some havoc (true story). Having a car insurance policy that ticks all the right boxes will give you peace of mind when taking on all that driving that Australia has to offer.
So what are the different types of car insurance out there?
Before you hit the road, it’s important to check what kind of car insurance cover you have.
There’s a few different types which cover you for different things, including:
- Third party property only car insurance
- Third party property, fire and theft car insurance
- Comprehensive car insurance
The best choice for you will depend on your own individual needs. But let’s discuss each option.
What is third party property only car insurance?
Third party property only car insurance covers you for damage to someone else’s car or property if you’re involved in an accident. But if there’s damage to your car, your spending money for the trip might take a hit, as you would have to pay for the repairs yourself (although remember, you could potentially recover some of the cost from the third party if you weren’t at fault).
What about third party property, fire and theft car insurance?
Third party property, fire and theft insurance covers damage to someone else’s car or property if you’re in an accident, plus also covers if your car gets stolen or damaged from fire. This type of cover might be worth considering if you’re planning a trip during bushfire season.
What does comprehensive car insurance cover?
Comprehensive insurance is the crème-de-le-crème of car insurance. It’s no wonder that most people opt for this type of insurance, given it usually provides the best possible cover. To find out all the juicy details on standard and optional benefits, limits and exclusions, read the Product Disclosure Statement, because every policy is different. It covers damage to your car, plus damage to someone else’s car or property. So if you’re looking to dial up the carefree vibes on your road trip, this one could be for you.
Comprehensive insurance can cover a whole range of things you need to conquer on a trip away, from emergency repairs after an accident, to replacement keys if yours get stolen.
What is the best car insurance to get?
Ah the age-old question. When you’re comparing polices, cheap car insurance might look good at the time; but when a roo jumps out on the road to give your car a friendly bump, your priorities might change. Finding a policy that suits your needs is key.
So before you head out exploring, make sure to explore your car insurance first. Always check out the Product Disclosure Statement to see exactly what your policy covers and make sure you’ve got enough to help you have a relaxing holiday away.
How can I find the right car insurance that’ll suit my needs?
Before you jump in your 4WD to go off-roading through the Great Dividing Range, remember
that different car insurance companies cover different things. And some adventures might be a little too adventurous for your insurance company. You’ll want to check your Product Disclosure Statement and see what sorts of things your policy covers.
Some things to consider:
- Accidents
Minimise the swear words by seeing if your vehicle’s repairs will be covered if you have an accident.
- Replacement keys
If someone swipes your keys when you are busy taking a picture with the Big Prawn, check if replacement keys will be covered.
- Emergency transport or accommodation
Let’s face it. Australia’s pretty big. If you have an accident while you’re on the road, chances are you’ll be pretty far from home. Check to see what kind of help you’ll have to stop you from getting stranded.
ING Car Insurance is issued by Auto & General Insurance Company Ltd ABN 42 111 586 353 AFSL 285571 as insurer. It is distributed by Auto & General Services Pty Ltd ABN 61 003 617 909 AFSL 241411 (AGS) and by ING Bank (Australia) Ltd ABN 24 000 893 292 as Authorised Representative 1247634 of AGS. ING is a business name of ING Bank (Australia) Ltd (ING). ING Roadside Assistance is a product issued by AGS. ING promotes this product under an arrangement with AGS.
ING will receive a commission from AGS for each policy purchased (which is a percentage of the premium). For further details see the Financial Services Guide.
ING Insurance policies and ING Roadside Assistance products do not represent a deposit with or liability of, and is not guaranteed or otherwise supported by, ING or any of its related bodies corporate.
ING Car Insurance and ING Roadside Assistance are only available for approved applicants and subject to ING’s Customer Eligibility and Name-Screening Assessment. With ING Car Insurance, AGS ‘ underwriting criteria applies and car details are checked against information available on Red Book.
Information in this article is general information only, and does not take into account your particular objectives, financial situation or needs and needs and you should consider whether it is appropriate for you having regard to these factors before acting on it. Conditions, limits/sub-limits, waiting periods, exclusions and excesses apply. Read the relevant Product Disclosure Statements, Target Market Determination, Premium, Excess and Discount Guide (PED), Roadside Assistance Terms and Conditions (service provided by AGS), Financial Services Guide and the ING Customer Eligibility and Name-Screening document and consider if the product is right for you before deciding to purchase or continue to hold the product(s).
The price we quote is at the insurer’s sole and unrestricted discretion. It is based on the profile of the risk to be covered and any other factors the insurer may choose. These factors may change at any time without notice, as may the prices. If the policy renews, the price may exceed the price paid for the previous policy. Premiums are subject to change. You will be responsible for all applicable GST and other statutory charges.