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Car Insurance

Car insurance, also known as auto insurance, vehicle insurance and motor insurance, is a insurance policy that covers the protection of owned cars, trucks and other road vehicles. The usual role for insurance for cars is to offer defences against substantial damages and bodily harms that are resulted from road troubles, such as traffic collisions.

If you are hoping to avoid liabilities and be covered if your damaged vehicle needs repairing, getting insurance for cars is an excellent move to lessen your stress and burdens. However there are a few things you need to know about.

Third Party Personal Insurance

Car insurances are different from state to state within Australia.

In South Australia, the Motor Accident Commission includes a Third Party Personal insurance with the licence registration charge for drivers over 16 years old. An alike system also applies in the state of Western Australia.

In Victoria, the Transport Accident Commission includes a Third Party Personal insurance through a road levy during the registration process for the vehicle fees.

In New South Wales, it is a compulsory obligation that every car has a Compulsory Third Party Insurance (also known as CTP Insurance) for every car an owner owns. For this cause, it is against the law for a motorist to drive their vehicle if this unit is not insured. Another name of CTP Insurance, Green Slip, due to the colour of the pages when it is printed out, must also be obtained through one of the licensed insurers such as Suncorp, Allianz, GIO, AAMI and CIC.

In Queensland, having a CTP is also part of the binding requirements when registering an automobile. Motorists may choose their own insurance companies however the government controls the price in its rigid group

You must also note that these Third Party Personal insurance only covers personal injury liabilities. Other damages such as from fire, floods, storm, theft, collision, etc. are not covered for and should be purchased according to your own personal needs.

No Claims Bonus Protection (NCB)

A protection service called No Claims Bonus Protection, or NCB for short, is a protection from paying excess fees after claiming damages from an accident suffered by your car. Depending on the scale of your claim, your fees can be reduced to around 50% to 60% and is a must to prevent yourself from losing extra money.

In some car insurance companies, if you do not claim for a No Claims Bonus Protection (NCB) for about two years, they may grant you a NCB protection for life at no extra costs.




Insurance Companies

Insurance Companies For Cars

Here is a list of all (but not limited to) the car companies that offer car insurance plans, packages, premiums and/or services.

AAMI Car Insurance
AAMI insurance is a big company and would be impossible for them to pay for every claim and repair every damage. With the length of the companys life and number of complains, it is pretty decent. Only a handful ever goes through a nightmare, and smaller amounts have that nightmare turn into a reality ...

GIO Car Insurance
GIO Insurance has their ups and downs. It seems that before they send your claims for your damages, they will undergo many investigations to justify that it was out of your control to prevent it. Their requirements may be a bit silly at times. There are a high percentage of reported customers that their claims were denied, but others had experienced some fuss-less smooth transactions ...

Youi Car Insurance
It is apparent that Youi is a small car and home insurance company and feedbacks for them are only positive if the policyholders are low risk drivers. However if someone of more records takes on Youi, prices can go up as well as complaints ...




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brian
Posted 1868 days ago
i have a 1998 ford ghia and we were looking for a liability insurance to cover any accident that we might have ,have never claimed for any insurance in our life ,cou;ld you supply me with a cover that will cover any accident that we might have against any damage caused to any other person or property outside thrid party insurance
Alexs
Posted 2088 days ago
in most states, you cnnoat buy a vehicle until you are 18. you can provide the money, but it would have to be in a parent's name. as for the cost of insurance, it depends on the make and model and year of the vehicle. a newer vehicle will be more expensive due to the additional coverages you would want such as comprehensive and collision as well as liability. if an older vehicle, it may be too expensive to purchase collision and/or comprehensive so you would just get liability. rates will vary from company to company with some being cheaper than others. also, if you have drivers education you can get a discount on liability, as well as for drug education, and multi-car discounts on your parent's insurance.rather than buying a seperate policy, get it on your parents policy and you will be rated on their vehicle so you can drive it as well, though you inform the insurance company that you have a seperate vehicle that you will drive.don't buy a car just to learn to be a better driver, but so you will have your own car. driving it will give you the advantage of getting more experience as well as provide you seperate transportation.
Minute
Posted 2197 days ago
I just came onto this website while looking for insurance for my cars. I was wondering if you have any specials or discounts that if we buy through your website that will be able to save some money.

Pleae get back to me as soon as you can.