Motor car insurance quote

What is car insurance?
Car insurance protects you against financial loss for damages resulting from car accidents, theft, weather events and other unforeseen costs according to your policy type. A car insurance policy helps pay for the cost of damage to cars, property, and even people.

What does car insurance cover?
It can cover you if you cause personal injury in an accident or if you damage property or another vehicle. If you opt for a higher level of coverage, you may also be covered for the repair or replacement costs of your vehicle as a result of collisions, fire, theft, and weather events. Most policies will vary in coverage (and price), which is why it’s important to review your options carefully.

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Types of car insurance
Compulsory Third Party (CTP)
Covers repair costs for vehicles and property owned by others, but does not pay for your own car’s repairs if you’re at fault. If you want to avoid paying repair or replacement costs for someone else’s vehicle when you’re at fault, you will need Third Party Property cover.

Third Party Property
Covers repair costs for vehicles and property owned by others, but does not pay for your own car’s repairs if you’re at fault. If you want to avoid paying repair or replacement costs for someone else’s vehicle when you’re at fault, you will need Third Party Property cover.

Third Party Fire & Theft
Offers the same level of cover as Third Party Property, with the inclusion of cover for fire-related damage/replacement costs, or if your car is stolen. Although it offers broader coverage, this type of insurance won’t pay towards any repairs to your car if you’re at fault in an accident.

Comprehensive
Pays for repair/replacement costs for your vehicle and others – regardless of who is at fault. It also can cover damage caused by fire, storm, hail, and theft. If you’re worried about expensive repair or replacement costs to both your vehicle and others, then a comprehensive policy is the best way to protect yourself.
New South Wales boasts some of Australia’s most recognisable scenery. Our Opera House and Harbour Bridge are as iconic as the Eiffel Tower or Big Ben. Our magnificent coastline is perfect for road trips from Port Macquarie to Byron Bay. Or, if you just want a taste of the quirky, Parkes has the annual Elvis Festival!

As of 2017, NSW is home to more than six million residents old enough to drive1, and there are more than five million cars on the roads2.

All of these vehicles need some form of car insurance.

What types of car cover are available in NSW?
Comprehensive car insurance
Comprehensive car insurance offers the most complete coverage of any product. It covers car theft, repair costs for any other driver’s vehicles and property, plus any repair/replacement costs for your own vehicle. Additional benefits may include windshield replacement, cover for your belongings, roadside assistance membership, and more!

Third Party Property
Third Party Property car insurance will pay towards the repair costs for any vehicles or property you may damage in an accident when you are at fault. It does not cover any repair costs for your own vehicle (that is what comprehensive cover is for), so it would be wise to keep some money aside, in case your vehicle needs work in the future.

Third Party Fire & Theft
Third Party Fire & Theft insurance functions similarly to ‘property’ cover, with two added features: it covers the replacement costs of your vehicle if it is stolen, or destroyed in an unforeseen fire incident. It still won’t cover your vehicle’s repair costs if you are at fault in a traffic incident, but it’s still a bit more robust than the third party property.

Green Slip
Also known as compulsory third party insurance, Green Slip cover is mandatory for driving in NSW. It covers your liability if you injure someone on the roads. In New South Wales, you have the option of choosing between several different providers. The NSW state government’s ‘Green Slip Check’ is the best resource to help you find this type of cover.

What features do NSW drivers look for?
While some of the below features are only available as optional extras (at additional cost to you), they can be invaluable if you find yourself in a tight spot.

Sign up bonuses. e.g. discounts, Frequent Flyer points, price matching.
New for old car replacements. If your vehicle was relatively new/had low kilometres.
Personal effects cover. Something stolen from your vehicle? Get the value back.
Hire car when your vehicle is stolen. No need to take the bus!
Key and remote replacements. Keys nowadays can be expensive to replace.
Windshield replacements. Get that windshield fixed: perhaps at no cost!
Complimentary roadside assistance. Never fear a break down again.
driver in nsw

Which type of insurance should I get?
Everyone must have Green Slip insurance. You are here to find out (a) which additional insurance you should buy, and (b) which policy is right for you.

Let’s figure out the answers to those questions! Let’s start with (a).

The average market value of a NSW vehicle (compared on our website) in 2017 was $20,062. Furthermore, roughly three in five Aussies take out a loan to pay for it.3 If you have spent that much money on your vehicle – especially if you continue to pay for it through a loan – wouldn’t you want to make sure that investment isn’t wasted by an accident you couldn’t predict?

That is what it comes down to: could you afford the repair/replacement cost of your vehicle out of pocket? If not, we think comprehensive is worth the investment.

Insurance type Damage to your car Damage to another person’s car or property Damage or loss caused by theft Injuries or death to other people in an accident
Green Slip (i.e. CTP) No No No Yes
Third party property No Yes No No
Third party fire & theft No Yes Yes No
Comprehensive Yes Yes Yes No
So, how much will it cost? Well, it varies – as you will see below.
To insure something as standard as a Mazda 3 (the most popular car to get a quote for on our website), it would cost roughly $8.60 a week on the cheapest policy in Newcastle, or $12.80 in Sydney.

That’s pretty affordable! The only thing you need to be mindful of is your excess – the cash amount you pay at the time of claim. Typically, for these policies, it was roughly $850, but it varies from provider to provider.

With all that in mind, let’s now explore (b): how can you find the right car insurance?

NSW Average Car Insurance Premiums

Source: Comparethemarket.com.au quote, quotes produced 2/28/18
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Driving in NSW: how will it affect your insurance?
Whether you’re insuring your car in NSW or the furthest reaches of WA – your policy isn’t really affected by the state you chose to live in. The only difference to insuring a vehicle in NSW over another is that you have to worry about taking out Green Slip cover.

The environment you drive in and where your car spends most it’s time does impact your policy, however. Where you park your car at night, what route you take to work, and what weather elements you expose your car to – they all influence premiums.

Car crime in NSW
New South Wales is – by and large – a great place to live. Like anywhere, however, there are always a few bad apples to deal with.

There were 12,209 car thefts recorded in the state of NSW between Oct 2016 and Sep 2017. That works out to be two thefts for every 1,000 vehicles registered.

NSW sports the second-lowest rate of theft in the country – just behind South Australia. Plus, roughly 72% of the country’s thefts were ‘short-term’ (i.e. the vehicles were eventually recovered).

Just be sure you keep an eye on your wheels at the end of each week. The most popular time for ‘nicking’ cars is between 4pm and 8pm on a Friday night.

Source: National Motor Vehicle Theft Reduction Council (2017)