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How to buy car insurance online

Get online car insurance quotes and buy car insurance online now.

Everyone who drives a car needs some form of insurance, if not to cover the costs of damage to their own car, then at least to cover damage they cause to other people’s property. But the days of visiting an insurer or broker’s office or phoning them for a quote are numbered, as most people get quotes and buy car insurance online.

There are a lot of reasons to go online for car insurance:

  • Convenience. You can get a quote and buy insurance 24/7 on any device connected to the Internet.
  • Immediate cover. You can print out your policy at the point of purchase and be instantly covered.
  • Information. You can find the answers to your insurance questions easily online and for free.
  • Time savings. Online insurance comparison sites bring all the insurers and their policies together in one place for you to compare.
  • Money savings. Buying online is cheaper, as most insurers offer a discount for doing so.

Compare car insurance policies online and purchase securely

Name Product New Car Replacement Pay monthly at no extra cost Choice of repairer Roadside Assistance Hire car after theft Personal effects
Optional - If your car is written off in the first 3 years
Optional - Up to $50 a day until your claim is settled
Save 24% on your policy if you've been claim free for 3 years.
Yes - If your car is written off in the first 2 years or is under 40,000 km
Yes - Up to $1,000 (Max 14 days)
Buy online and save 15%.
Yes - If your car is written off or stolen in the first 2 years
Yes - Reasonable costs (Max 14 days)
Emergency roadside assistance included in Comprehensive policies.
Yes - If your car is written off in the first 2 years
Yes - Up to $70 per day (Max 14 days)
Save up to 10% when you buy online.
Yes - If your car is written off in the first 2 years or is under 40,000 km
Yes - Up to $1,000 (Max 14 days)
Save 15% when purchasing online. Eligible customers can earn 5,000 Velocity Frequent Flyer Points when purchasing a new policy by 31 Dec 2018. Excludes NT. T&CS apply.
Yes - If your car is written off in the first 2 years
Yes - Up to $70 per day (Max 14 days)
Transforms your driving so it's 100% carbon neutral.
Yes - If your car is written off in the first 2 years
Yes - Up to $100 per day (Max 30 days)
Buy online and save up to 10% on your policy.
Yes - If your car is written off in the first year or is under 20,000 km
Optional - Up to $60 per day (Max 14 days)
Save up to 20% on car insurance when you purchase cover online.

Compare up to 4 providers

What kind of cover can I get online?

Whether you buy online or across the counter, there are four main types of car insurance.

  • Compulsory third party (CTP) insurance. This is compulsory insurance every Australian driver must have to cover death or injury to third parties. It included in vehicle registration in all states except NSW, where it is called a Green Slip and must be purchased separately.
  • Third party property (TPPD) insurance. This covers you for damage your vehicle causes to other peoples’ vehicles and property. Buying third party car insurance online is easy because it’s relatively standardised and widely available.
  • Third party fire & theft (TPPD F&T) insurance. This covers damage to other peoples’ property, and fire and theft losses of your own vehicle. Because the costs depend on your vehicle more than they do for CTP or TPPD insurance, it can take a bit longer to buy third party fire and theft car insurance online.
  • Comprehensive insurance. The complete package that covers everything, including damage to your own vehicle and to other people’s property. If you’d like to buy comprehensive car insurance online it’s important to have all the information handy to better compare car insurance online.

How to buy car insurance online?

Follow these four steps to buy third party or comprehensive car insurance online.

  • Know what type of insurance you want. Do you want comprehensive, third party only or third party with fire and theft? Decide which you want, and then look for these policies alone.
  • Compare car insurance policies online. Once you know what you need, use an online car insurance comparison website to look at the options side by side. Don’t just look for the cheapest policy, however. First find one that is has everything you need. You may also wish to compare each insurer’s industry standing, claims record and level of customer service.
  • Review the options. Once you narrow your search down to a handful of policies that match your needs, read their Product Disclosure Statements (PDS) thoroughly to check for conditions or exclusions that might affect your level of cover.
  • Get car insurance quotes online. Once you are satisfied with your short list, get some online quotes. These are provided instantly on many insurers’ websites and only require the input of basic details such as age, type of car, parking location etc. Now you’re looking at several options that fit your needs and can compare them by price.

Once you’ve found the right policy for your needs and gotten quotes, you can simply buy car insurance online through comparison tools.

Compare online car insurance

How can I save money on car insurance?

Whether you choose third party cover or full comprehensive will depend on your budget, the value of your vehicle and any loan requirements (some secured loans require comprehensive insurance as a condition of the loan). There are however, several ways you can reduce the cost of your premiums.

  • Buy online to earn a discount of up to 20%
  • Buy a car that is less expensive to insure (e.g. less horsepower, less likely to be stolen etc)
  • Nominate drivers, which usually earns you a discount
  • Restrict the age and number of drivers
  • Choose a Pay As You Drive option, if you don’t plan to drive much during the year
  • Increase your excess to reduce your premium (but make sure you can afford it)
  • Add security features such as a car alarm or immobiliser
  • Package all your insurances with one provider for a loyalty discount
  • Shop around for the provider with a No Claims Bonus discount
  • Insure your vehicle for market value rather than agreed value

What questions should I ask before buying insurance?

The following is a checklist of questions you should ask your insurer before taking out a policy with them.

  • As well as the basic cover, what optional extras are available with my policy? Can you get cover for rental car, windscreen damage and roadside assistance?
  • What discounts am I entitled to? Does the insurer offer No Claim Bonus, loyalty discounts and low kilometre options?
  • What conditions and exclusions apply to my cover? Do they cover storm damage, young drivers and accidents involving uninsured third parties?
  • What customer service benefits do you offer? Do they offer an online portal, monthly payments or 24/7 help desk?

What should I look for in a policy?

CTP insurance is mandatory in Australia, and third party insurance is extremely important and should always be purchased. As such, one of the biggest questions is whether I should get comprehensive car insurance. These policies vary by insurer, but there are certain standard features which you can expect your policy to contain:

  • Flood, hail or storm damage
  • Malicious acts
  • Fire and theft
  • Accident or collision
  • Damage to third party property.

A good comprehensive policy will also include some or all of the following, or at the very least, offer them as optional extras:

  • Towing and storage costs after an accident
  • Use of a hire car while yours is being repaired
  • Windscreen replacement cover
  • Emergency travel, accommodation and repairs
  • Caravan and trailer cover
  • Legal liability cover up to $20 million.

A very good comprehensive policy could also include features such as:

  • Vehicle contents cover
  • Cover for wheels, rims and tyres
  • Lifetime Rating 1
  • 24/7 roadside assistance.

Comparing policy features and comprehensive car insurance quotes online is a good way to get the cover and price that’s right for your needs.

Still have some questions?

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