Compare comprehensive car insurance in QLD

Compulsory Third Party (CTP) insurance cover is generally included with your vehicle registration in Queensland, though you do get a choice of provider. You can opt out if you already have pre-paid CTP insurance. CTP insurance is mandatory for all registered vehicles in Australia.

CTP insurance covers you from any financial responsibility if you injure or kill someone in a motor vehicle accident. It doesn’t cover you or your car. It may be a good idea to consider seeking some extra car insurance cover to protect you and your vehicle while travelling the Sunshine State’s many different roads.

There are many sights to see on Queensland’s roads, but there are also potential hazards to be aware of. It may give you some peace of mind to know that you’re covered when the worst happens. That’s why considering the best car insurance in QLD for your needs and situation can be important.

Queenslanders love to travel, with the state’s road users travelling over 57 billion kilometres in the last year, according to the latest Department of Infrastructure, Transport, Regional Development, Communications and the Arts’ figures.

Queensland also has the largest total length of locally controlled roads at 150,070 kilometres. Some of these roads include remote dusty single tracks that cross the outback, sandy streets of coastal towns and the bustling suburban lanes of the state capital of Brisbane.

If you’re looking for cover for your car in case it’s damaged in an accident, a weather event, or is stolen, then comprehensive car insurance may be worth considering.

Comprehensive car insurance is the highest level of car insurance coverage in Australia. It provides a level of financial cover for damage to other people’s vehicles and property in an accident, damage to your own vehicle caused by fire or theft, and accidental damage to your own vehicle, regardless of who caused the damage.

It may also provide additional types of cover, such as damage to your car from storms or vandalism and optional extras such as windscreen replacement cover, roadside assistance and rental car usage. This will depend on the insurance provider and policy you choose. Given the risk of damage from flooding or hail due to Queensland’s severe thunderstorms and rain events, you might want to check what’s covered by the policies you’re considering.

If you’re looking to compare comprehensive car insurance policies in Queensland, you can use our table.

The cost of car insurance in Queensland will vary depending on a range of factors, including:

• Your age;
• driving experience and history;
• residential address;
• the level of cover you require;
• the type of car you’re looking to insure (including its make, model and age);
• where your car is usually parked;
• how often and how far you drive, and;
• your nominated excess.

Depending on your circumstances, you may be able to find a provider that meets your needs, while also providing lower premiums. This is why it can be a good idea to compare your car insurance options before making a purchase.

Choosing the cheapest car insurance you can find may sometimes work, but it’s important to ensure your coverage still meets your needs. There are ways to save on your car insurance premiums, including:

• looking for deals and offers when purchasing;
• limiting the number of drivers on your policy;
• paying annually rather than monthly, and;
• comparing different car insurance providers.

As with all insurance, the state or territory you live in will have some impact on the premiums you pay. Some factors that also impact your premiums include:

Your car’s make, model and age

More expensive makes and models may attract higher premiums, due to their replacement parts being harder to source and sometimes requiring specialist knowledge to install.

Your age and driving history

Younger drivers, such as learner drivers and P-platers, will typically pay higher car insurance premiums due to their lack of experience and higher risk of being involved in road accidents. Younger and less experienced drivers may also need to pay additional excesses if they need to make a claim.

Where you park your car

You can sometimes receive a reduced rate on your premiums if you park your car in a secure garage rather than on the street. This is seen by providers as less of a risk that your car will be damaged or stolen.

Where you live

If the crime rate of your suburb is higher than others, you may be charged higher car insurance premiums as a result. This may also be the case if the area you live in is prone to natural disasters, such as bushfires, floods and storms. Any of these situations may be seen by providers as heightening the chances you’ll need to make a claim.

How often and how far you drive your vehicle

If you find yourself using your car less and driving fewer kilometres throughout the year, you may be able to reduce your premiums by comparing either ‘pay as you drive’ or low km car insurance policies.

Level of cover

Opting for just the mandatory CTP insurance or a lower level of optional cover, like third party property damage, may reduce your premiums overall. That being said, a comprehensive car insurance policy typically provides a larger amount of coverage, as well as coverage for a much wider range of scenarios.

Optional covers

Choosing optional extras such as windscreen replacement cover, roadside assistance and rental car usage will likely lead to higher premiums, but would reduce out-of-pocket costs in the event that you need to use these services.

If you’re involved in a road accident and your vehicle is damaged as a result of another driver’s actions, it is advisable to collect their contact and vehicle information as soon as possible. Generally speaking, you will not need to directly file a claim with the other driver’s provider, unless you’re uninsured.

You can instead pass their details on to your own insurance provider, who will then manage the proceedings (known as subrogation) and notify you as things progress. The time in which you’ll need to get this information to your provider can vary, but it’s often safest to do it as soon as possible. If the other driver is determined to be at fault, their own provider will pay for the damages to your vehicle or property.

The due date for your car registration payment will depend on when you last paid your registration and the duration in which you paid for, be it one, three, six or 12 months. If you’re unsure about the status of your registration or can’t remember its due date, you can search using your registration number or Vehicle Identification Number (VIN) on the Department of Transport and Main Roads website.