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Rusty cars less safe in crashes

Those little orange spots on your car aren’t just unsightly, they could mean the structure of your car is slowly disintegrating.

Steel. It’s a versatile material used extensively in modern car construction. Steel does have a downside though, left unprotected, the iron in the metal begins to oxidise forming what we know as rust. As the rust starts to take hold, components begin to corrode and lose integrity. Eventually, parts can fail entirely.

A Swedish insurance company recently commissioned ANCAP’s European counterpart to crash test older, rusty vehicles. The results are startling.

Rust causes weakness in cars

A British crash test laboratory conducted the assessments. Two models were chosen, the first-generation Mazda6 and the Mark 5 VW Golf, both produced from 2003-2008. Engineers selected these cars as they are representative of two different vehicle classes, but also commonly suffer from rust issues in critical areas.

Engineers found that rust causes metal to lose structural integrity and become weak. So an older vehicle doesn’t perform as it did when initially crash tested. This problem is further compounded when you consider ageing models feature fewer modern safety technologies.

Rusting, older car presents 20% higher risk of death

The Mazda6 did not perform well under the test.

In a frontal impact collision, the crash test dummy’s head made contact with the steering wheel after the airbag bottomed out. The dummy then bounced off the wheel into the door upright. The car’s body shell deformed in an unexpected manner and the floor caused lower leg injuries when spot welds failed and separated. Crash engineers noted that a weak floor could allow objects to pierce the vehicle’s underside and enter the cabin, with disastrous consequences.

Over the decade since production ceased, Mazda's sedan dropped from a weak four out of five to a weak three points. In total, it shed 8 points on NCAP’s scoring system.

Researchers concluded that in a heavily corroded vehicle, occupants had a 20% higher likelihood of dying in a crash.

The Golf, on the other hand, performed remarkably, losing only a single point from its original crash rating. This underlines a key finding of the study, that each car rusts in a unique and individual way due to a range of variables, making them unpredictable.

The laboratory tested both cars to the same standards as when new, not to more recent and stringent evaluations.

Identifying rust

Manufacturers apply anti-corrosion paints to crucial components at the factory, but eventually stone chips and wear cause coatings to break down. Drivers living in coastal areas will suffer accelerated oxidisation, thanks to a high salt content in the air. Boats and vehicles taken onto the beach also suffer badly with rusting.

You can identify rust by bubbling, flaky paint and a red/brown pitting. Rust generally starts small but will get worse if left untreated. If you are buying a car, take time to look underneath and examine the condition of structural metal components. If you see ragged holes and lots of loose corrosion, the car may be too far gone.

It’s possible to use a hammer to ascertain the condition of metal surfaces. If you tap the steel and it produces a sharp, defined ring, the metal should be in sound condition. If tapping makes a dull thud, the steel has most likely started corroding.

Preventing rust

Once the rust on a part reaches a certain point, it will need replacing or repairing by a professional welder. You are far better off preventing rust by taking some simple precautions.

  • If you drive in seawater or even on the beach, take time to wash the vehicle off with fresh water. This eliminates salt which is a catalyst for oxidisation. Clean the underside of your vehicle too.
  • If you spot surface rust (light rust), abrade the surface to remove pitting and flakes, then overpaint with a corrosion inhibitor and anti-corrosion primer/top coat. Look for marine grade products as these often perform the best.
  • Greasing nuts and bolts with a non-metallic lubricant can ward off rust and make removal easier. There are also anti-corrosion sprays available.
  • If you notice a window, door or seal is leaking, get it fixed right away!

Newer cars are safer

Research shows that newer vehicles are statistically safer. You can use our car loan comparison to find a great deal on a modern car. We’ve also written about Australia's safest cars. Use ANCAP or used car safety ratings to find out how your car performed when crash tested.

Compare new car loan options below

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1 - 16 of 16
Name Product Interest Rate (p.a.) Comparison Rate (p.a.) View Details CTA Monthly Repayment
OurMoneyMarket New Car Loan
From
6.57%
(fixed)
7.19%
Monthly Repayment
$934.23
Stratton Finance New Car Loan
From
6.52%
(fixed)
6.95%
Monthly Repayment
$931.85
You'll receive a fixed rate from 6.52% p.a. depending on the lender you are approved with.
Apply for up to $300,000 and use cash or trade in a vehicle to use as a deposit. Optional balloon payment available.
Simplify New Car Loan
6.19%
(fixed)
6.6%
Monthly Repayment
$927.29
loans.com.au - New - Variable Rate Special
6.24%
(variable)
7.36%
Monthly Repayment
$936.14
Credit Concierge New Car Loan
From
6.29%
(fixed)
7.41%
Monthly Repayment
$943.5
IMB New Car Loan
6.24%
(fixed)
6.59%
Monthly Repayment
$924.31
You'll receive a fixed rate of 6.24% p.a.
A low minimum borrowing amount of $2,000 that you can use to purchase a new car or one that's up to two years old.
Simplify Used Car Loan
6.19%
(fixed)
6.6%
Monthly Repayment
$927.29
OurMoneyMarket Used Car Loan - No Vehicle Age Limit
From
6.57%
(fixed)
7.19%
Monthly Repayment
$934.23
Stratton Finance Used Car Loan
From
6.52%
(fixed)
6.95%
Monthly Repayment
$931.85
You'll receive a fixed rate loan from 6.52% p.a. with a comparison rate of 6.95% p.a.
A used car loan of up to $300,000 with quick approval times and balloon payment options.
RACV New Car Loans
From
7.29%
(fixed)
8%
Monthly Repayment
$945.77
You'll receive a fixed rate from 7.29% p.a.
A larger loan of $5,000 or more to help you buy a new or used car. 5-hour pre approval available and no ongoing fees.
Credit Concierge Used Car Loan
6.8%
(fixed)
7.56%
Monthly Repayment
$950.6
loans.com.au - Variable Rate Used Car < 5 years
7.74%
(variable)
8.85%
Monthly Repayment
$956.98
RACV Used Car Loans
From
8.49%
(fixed)
9.21%
Monthly Repayment
$962.64
You'll receive a fixed rate from 8.49% p.a.
Benefit from no ongoing fees, 5-hour approval and a 21-day satisfaction guarantee. Interest rate discounts for members.
Verified Lending Used Car Loan
7.1%
(fixed)
8.06%
Monthly Repayment
$939.9
NRMA New Car Loan
From
7.29%
(fixed)
8%
Monthly Repayment
$945.77
Note: Take out a loan for an eligible electric vehicle and receive a 1.5% discount on your personalised interest rate (interest rates start from 5.79% p.a. and comparison rates from 6.49% p.a.)
NRMA Used Car Loan
From
8.49%
(fixed)
9.21%
Monthly Repayment
$962.64
You'll receive a fixed rate from 8.49% p.a.
Finance a used car with NRMA and benefit from a fixed rate term and no monthly fees. Pre-approval available within 5 business hours.
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Compare car insurance side-by-side and get quotes

Name Product Roadside assistance Accidental damage Storm Choice of repairer Agreed or Market Value
Youi Comprehensive
Optional
Agreed or Market
Finder's summary: The 2023 winner of our Best Features Car Insurance award. Plus, it's one of the only insurers to automatically include roadside assistance.

Who it might be good for: Those who want good customer service with lots of inclusions.
Budget Direct Comprehensive
Optional
Optional
Agreed or Market
Finder's summary: The 2024 winner of our Best Value Car Insurance award. It's cheaper than most, plus you can lower costs by adding age restrictions.

⭐ Current offer: 15% off your first year's premium when you take out a policy online. T&Cs apply.

Who it might be good for: Anyone who wants a good value policy.
Australia Post Comprehensive
Optional
Agreed or Market
Finder's summary: Covers a little more than other insurers. You don’t need to pay an excess for windscreen repairs and cover applies to anyone who uses your car.

⭐ Current offer: Get $75 off your first year's comprehensive car insurance premium when you buy online. T&Cs apply.

Who it might be good for: Multiple people using one car.
Bingle Comprehensive
Market
Finder's summary: Our data shows it’s the cheapest comprehensive policy. It just covers the basics such as damage to your car, theft and storms – it doesn’t go in for add-ons and extras.

Who it might be good for: Those wanting a low-cost, no-frills policy.
Qantas Comprehensive
Optional
Optional
Agreed or Market
Finder's summary: You need car insurance so why not get one that lets you earn Qantas Points? It's good value too (it's underwritten by the same insurer as Budget Direct).

⭐ Current offer: Earn up to 30,000 Qantas Points with every car insured by 30 September. Plus save 15% on your 1st year’s premium when you purchase online. T&Cs apply.

Who it might be good for: People who want more bang for their buck with Qantas Points.
ROLLiN' Comprehensive
Agreed
Finder's summary: One of the most cost-effective insurers for under 25s, according to Finder research, with no aged-based excess.

Who it might be good for: Young drivers looking to keep costs down and anyone who’d like to get more flexibility from their car insurance.
QBE Comprehensive
Green Company
QBE Comprehensive
Optional
Agreed or Market
Finder's summary: Our best-rated Car Insurer for Customer Satisfaction in 2021/2022 and Green Insurer for the last 3 years.

⭐ Current offer: Save $75 when you purchase a new comprehensive policy online. T&Cs apply.

Who it might be good for: Those who want a trustworthy insurer and more cover than other brands, such as 3-year new car replacement (e.g. they'll give you money for a new car for up to 3 years if yours is written off).
Kogan Comprehensive
Optional
Agreed or Market
Finder's summary: Kogan comes with all the perks that most comprehensive car insurance policies include, but you'll also be entitled to some benefits from its online store. This usually comes in the form of a gift voucher or discount if you buy online.

⭐ Current offer: Get $80 off first year premiums when you purchase Kogan Comprehensive Car Insurance online + $10 monthly kogan.com credit. T&Cs apply.

Who it might be good for: Kogan shoppers and those after a good range of policy options.
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