Choosing your comprehensive car insurance

kids running from car with mother holding picnic basket following closely behind

Choosing your comprehensive car insurance

We invest so much time in choosing our car. We consider different makes and models, and agonise about the right colour.

But when it comes to choosing comprehensive car insurance, for many of us it's tempting to simply go with the cheapest option. Sure, the price is important. But it's also worth considering the different features available to help you get the most value out of your insurance and ensure it meets your particular needs.

So if you're buying a new car or are about to renew your comprehensive car insurance policy, here are a few things to consider.

Can you choose your repairer?

If you're currently driving a c.1984 run-around, this might not be a big issue. However if you prefer to have your car fixed by a repairer who has specialist technical knowledge of your vehicle, then the ability to choose your repairer can be an important feature to have.

It can also be more convenient to be able to choose a repairer close to home or work. Having to drop your car to the other side of town to get fixed just adds to the stress of the situation.

How would you get by without a car?

If you rely on your car to get to work or ferry the kids around, it's worth looking into whether the policy includes benefits like the use of a rental car to help you get by.

What if you're away from home?

If you do a lot of road trips, it may be worth having insurance that includes emergency accommodation in case you find yourself stranded a long way from home.

Are there options to help you reduce your premium?

The price you pay for comprehensive car insurance is influenced by a number of factors – some of which you can control.

So when you're shopping around for insurance, it's a good idea to provide a few extra details about your driving and claims history as this could help you lower the cost of your premium. For example – if you're over 30 and haven't had an at-fault accident for a number of years, you could be eligible for a safe driver discount1,2. Some insurers also offer discounts for younger safe drivers.

There may also be other ways to save on your premium – such as limiting the number and age of insured drivers.

Ultimately it comes down to finding the right features for your needs. So when you're choosing your comprehensive car insurance it's a good idea to think about how you use your car, and consider how different options could help you.

Credit Union Australia Limited, ABN 44 087 650 959 (CUA) AFSL No. 238317 arranges motor  insurance as agent for the insurer Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL No 234708 (Allianz). Policy terms, conditions, limits, exclusions and underwriting criteria apply. We do not provide advice based on any consideration of your objectives, financial situation or needs. Before making a decision please consider the Product Disclosure Statement available [insert where].  If you purchase this insurance, we will receive a commission that is a percentage of the ‎premium. Ask us for more details before we provide you with services . ‎

1. Minimum premiums may apply. Any discounts/entitlements may be subject to rounding and only apply to the extent any minimum premium is not reached. If you are eligible for more than one, we also apply each of them in a predetermined order to the premium (excluding taxes and government charges) as reduced by any prior applied discounts/entitlements.

2. Safe Driver Discount applies to new comprehensive Classic Motor Insurance policies only and does not apply to Third Party Fire & Theft and Third Party Property Damage policies. To be eligible for a safe driver discount:

  • the ratable driver must be aged 30 years or over;
  • the insured (owner) must have held a maximum no claim bonus for the last five consecutive years; and
  • all other nominated drivers have had no at fault claims for the last five years.
Feb 26, 2019 | Found in: insurance,
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