Car Insurance

Life without your car can be pretty inconvenient. Car insurance can help you get back on the road if your vehicle is damaged or stolen. Comprehensive car insurance can pay for repairs to your vehicle as well as protect you financially against the cost of damage to someone else's vehicle and property when you are at fault.
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There are three main types of motor insurances available

Comprehensive car insurance

The most extensive level of car insurance that can cover damage to all vehicles and property in an accident where you are at fault, including your own.


Third party property, fire & theft car insurance

Can cover damage to other people's vehicles or property in an accident where you are at fault, but not your own. Your car is covered if it is stolen, damaged by fire or malicious damage.


Third party property damage car insurance

Can cover damage to other people's vehicles and property in an accident where you are at fault, but not your own. It's an affordable option that reduces your legal liability when you cause damage to others, but it does not provide cover for your car.

Learn more about car insurance

Choosing insurance can be complicated and confusing. These clear, simple articles provide general information aiming to help you understand more about car insurance, how it works and the benefits it can provide.

    New driver car insurance

    If you're new to driving, car insurance will be a whole new world for you. Here are some tips to choosing car insurance for the first time.

    Student car insurance

    Based on age alone, most students will tend to have higher premiums because statistics show that younger drivers are more likely to be involved in accidents and therefore make claims on their policies. However, it is possible for students to lower the rate of their car insurance premium.

    Women’s car insurance

    If you're female and looking for car insurance, you're in a good position. Car insurance premiums tend to be cheaper for women. While women are already at an advantage when it comes to taking out car insurance, there are other ways to help keep your cover affordable.

    Pay as you drive car insurance

    If you don't use your car very much, a Pay as You Drive (or Pay as You Go) may be a cover option that suits. This type of policy offers a more flexible approach to car insurance than comprehensive insurance, as you only pay for the kilometres you usually drive, but you still get the same cover as traditional comprehensive car insurance.

    Comprehensive car insurance

    Comprehensive car insurance is all about offering maximum protection against the cost of damage. And since most collisions involve two or more vehicles, it's wise to make sure that your car has the right level of cover.

    Green Slip and CTP explained

    A Green Slip, also known as compulsory third party insurance (CTP) is, as the term 'compulsory' implies, a legal requirement for all cars. In other words it is illegal to drive a vehicle which does not have CTP Insurance.

Frequently asked questions

View all FAQs 

It will depend on the level of car insurance that you purchase, however Comprehensive Car Insurance (the most popular type) will generally cover you for accidents and theft, but it will not cover you for breakdowns. Read the Product Disclosure Statement of the policy you wish to purchase to see cover details.
If you have an accident you should first of all ensure your car is secure, then report the accident to the police. You should then call your insurer and report the incident. If you cannot contact your insurer you should do what you can to prevent further loss or damage to your car, and this may include having it towed. You should then contact your insurer as soon as possible.
A no claims discount is a discount that is offered on your car insurance premium.  This discount is calculated on both your years of driving experience and your claims record, and this discount is increased until you reach Rating 1 - which is the maximum discount.
Generally Third Party Insurance includes cover for liability caused by any person who is driving, using or in charge of your car with your permission and any passenger getting in or out of your car. You should check the Product Disclosure Statement (PDS) of the Policy you are interested in for full details.

There are a number of different types of car insurance available.

  • Comprehensive Insurance: This level of cover is the highest level and most complete cover and covers you for theft, fire or damage to your vehicle (the damage was caused by you or somebody else).
  • Third Party Fire and Theft: This level of cover will insure you against damage done to your car by fire, theft, and for any legal liability that you may incur in the event you damage a third party's vehicle or other property.
  • Third Party Property: This is the lowest level of car insurance cover available and will only cover you for the damage that you may cause to another person's property (this includes their car and the property inside).

Brands you can trust


Choosi is unable to arrange products from these brands directly, but on request will refer you to our partner who can.
Budget Direct
Virgin Money

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