Tick through the checks that matter before you renew or switch car insurance in Australia, from rego and CTP to excess and agreed value.
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Work through this checklist about three to four weeks before your car insurance and rego fall due. Under the Insurance Contracts Act 1984 your insurer must send a renewal notice at least 14 days before the policy expires, which leaves little time if you start only when the notice arrives.
How to use it. The first group deals with CTP, which is attached to your registration and covers injuries to people. In Victoria, Western Australia, Tasmania and the Northern Territory it is included in the rego fee and run by a state body; in NSW you buy a Green Slip from a licensed insurer; in Queensland, South Australia and the ACT you pick a licensed CTP insurer when you pay rego. The second group checks that your renewal notice still describes your car and drivers accurately: the duty to take reasonable care not to make a misrepresentation applies when you renew and when you change details. The third and fourth groups cover comparing quotes like for like and switching without a gap in cover.
Worked example. If your rego and your comprehensive policy both renew on 1 December, aim to finish the first two groups by mid-November, compare quotes in the following week, and arrange any new policy to start at the time the old one ends on 1 December.
Limits. Ticks are stored only in your browser. The list is general information, not advice about your circumstances; the PDS and your state's CTP body are the authoritative sources.
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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.
Worked quotes and renewal checklists
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.
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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.
