Car insurance is the tax you pay for other people’s creative parking, but it’s also what saves your wallet when fate punts your bumper.
In Australia, CTP is mandatory, while Third Party Property covers others’ cars and Comprehensive covers yours as well—choose based on your car’s value and your appetite for risk.
Compare features, not just price: excess options, agreed vs market value, windscreen cover, hire car after an accident, roadside, and choice of repairer.
Premiums swing wildly with age, postcode, claims history, car type and security; performance hatch in the city costs more than a sedate sedan in suburbia—shocking, I know.
Read the Product Disclosure Statement, check exclusions, and mind the fine print on mods and off-road use before you find out the hard way at a panel shop.
Pay annually if possible, keep a clean record, and shop around each renewal—loyalty is lovely, but savings are lovelier.
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