All guides
Australian car insurance explained: CTP by state versus third party, fire and theft and comprehensive cover, renewal checks, excess maths, worked quotes and AFCA.
Cover types, costs and 2026 rules
- Agreed value vs market value car insurance: what you get paid in a write-off
How agreed value and market value work on Australian comprehensive car insurance, worked total loss payouts, finance gaps, new car replacement and what to check at renewal.
- Car insurance in Australia explained: CTP, third party, fire and theft and comprehensive
How Australian car insurance fits together in 2026: compulsory CTP by state, the three optional cover levels, what drives the price and how to compare at renewal.
- GST and stamp duty on car insurance: reading your premium line by line
How an Australian car insurance premium is made up of base premium, GST and state stamp duty, with worked examples by state and what it means when you compare quotes.
- Car insurance rules in Australia in 2026: your rights at purchase, renewal and claim
The consumer rules that apply to car insurance in 2026, including the duty of reasonable care, renewal notices, unfair contract terms, claims handling and AFCA.
- CTP insurance by state: Green Slips, TAC and every other scheme compared
How compulsory third party (CTP) insurance works in NSW, Victoria, Queensland, SA, WA, Tasmania, the ACT and the NT, how you pay for it and what it covers.
- Is CTP enough? CTP vs third party property car insurance
Why CTP covers injuries but not damage to cars, what third party property insurance adds, what happens if you crash without it and when it is the right minimum.
- Third party fire and theft vs comprehensive: which suits your car?
Compare third party, fire and theft with comprehensive car insurance in Australia using a break-even calculation, car value thresholds and hail and flood risk.
- What affects car insurance premiums in Australia, and which factors you can change
The rating factors Australian insurers use for car insurance, from postcode and driver age to excess and kilometres, and which ones you can legitimately change.
Worked quotes and renewal checklists
- Car insurance renewal checklist for Australian drivers
A step-by-step car insurance renewal checklist for Australia: rego and CTP, checking your renewal notice, comparing quotes like for like, switching and paying.
- Car insurance excess explained: basic, age, unlisted driver and how much to choose
The types of car insurance excess in Australia, how they stack in a claim, a break-even calculation for choosing a higher excess and when the excess is waived.
- How to compare CTP and Green Slip prices in NSW, Queensland, SA and the ACT
Where you can choose your CTP insurer in Australia, how NSW Green Slip prices vary, how to compare in Queensland, South Australia and the ACT, and what stays the same.
- No claim bonus and rating 1 explained: what a claim really costs
How Australian car insurance no claim bonuses and ratings work, what an at-fault claim can cost over several years, NCB protection, lifetime rating 1 and transferring your rating.
- Paying car insurance monthly or annually: how much extra does monthly cost?
Work out what paying Australian car insurance by monthly instalments costs compared with paying annually, the implied interest rate and the risk of missed payments.
- Renewal notice vs new car insurance quotes: a worked comparison
A full worked example comparing an Australian car insurance renewal with two new comprehensive quotes, adjusting for excess, agreed value, extras and a claim.
- Switching car insurer mid-term: refunds, cancellation fees and avoiding a gap
How to switch car insurance in Australia before renewal, how pro-rata refunds and cancellation fees work, storm waiting periods and the order of steps to avoid a gap.
- Young driver car insurance in Australia: L and P platers, age excess and listing drivers
How car insurance works for learner and provisional drivers in Australia, with age and inexperienced driver excesses, listing vs not listing, and a worked comparison.
Mistakes, claims, disputes and official sources
- Hit by an uninsured driver in Australia: who pays for your car and your injuries
What happens when an uninsured driver damages your car in Australia: CTP for injuries, your own policy, uninsured motorist extensions and recovering costs.
- Car insurance claim refused or underpaid? Internal complaints and AFCA step by step
What to do when an Australian car insurer refuses, delays or underpays your claim: reasons in writing, the 30-day internal complaint, evidence and a free AFCA complaint.
- Car insurance mistakes Australian drivers make, and how to avoid a refused claim
The most common car insurance mistakes in Australia, from relying on CTP to unlisted drivers, low agreed values and rideshare use, with what each one can cost.
- How to make a CTP injury claim after a car accident in each state
How CTP injury claims work after a crash in NSW, Victoria, Queensland, SA, WA, Tasmania, the ACT and the NT: who to claim from, what to report and what to keep.
- Misrepresentation and underinsurance in car insurance: what you must tell your insurer
The duty to take reasonable care not to make a misrepresentation on Australian car insurance, how insurers can reduce claims, worked examples and how to avoid underinsurance.
- Official sources for car insurance and CTP in Australia: regulators, schemes and help
A directory of the official bodies for Australian car insurance: ASIC, APRA, AFCA, Moneysmart, every state's CTP scheme and registration agency, and free help services.