Car Insurance needs are different for everyone, so our Advisers will help you find great deals to suit your personal circumstances. So whether you’re a first time driver, insuring a new car or renewing your policy, Austbrokers Comsure is here to help.
Vehicle insurance is crucial for any private or commercial vehicle in Australia. An accident is a worrying thought, so it’s important to be properly covered so that in the event that something happens, you’re prepared and not left with huge bills to pay.
Every registered vehicle in Australia, whether it’s a car, truck, or a motorcycle is required by law to have compulsory third party (CTP) insurance. CTP insurance policy covers can vary state by state. CTP provides compensation for people who are killed or injured in a motor vehicle accident, but NOT damage to vehicles or property.
Comprehensive Car Insurance |
Third Party Property Damage |
Legal Liability |
Towing and Storing |
Lifetime Guarantee for Repairs |
Personal Items |
Vehicle Keys & Locks |
Replacement |
Fitted Accessories |
Finance Gap Cover |
Following a total loss of a vehicle, some insurers will pay up to 75% of the difference between your insured value and your finance contract residual liability should the insured value be less than the finance contract.
Rental Car |
Windscreen / Glass Cover |
Flood/Storm Cover |
When it comes to car insurance, there are a lot of factors to consider when deciding on which policy is right for you. Austbrokers Comsure will compare some Australia’s biggest car insurance companies to find you the best policy to suit your needs and budget.
Insurance is like any other product, you pay for what you get. There are many different insurers offering policies in different shapes and forms.
Service is extremely important.
This is the difference between a claim being paid out over night and a claim being paid out painstakingly over a year. Cheap premiums are on offer because costs are being cut elsewhere.
Coverage is also extremely important.
This is the difference between your claim being paid out or not paid out at all. Quite often, this results in financial burden in the long run.
Check the accident scene is safe. If anyone is injured or there is significant property damage, call the police immediately (and an ambulance if necessary). Ensure you collect the name, address, phone number, registration number; and insurer of any third party(s) and the contact details of any witnesses. Have this information at hand when you contact our claims department to lodge your claim. Our claims team are available 24/7.
Yes. All insurance offered by Austbrokers Comsure can be paid by the month through premium funders. If you chose to use the premium funder’s service, your monthly installments will be tax deductible.
Contact our Claims team so we can anticipate contact from the third party’s insurer. Austbrokers Comsure will handle all communication between the third party and their insurance company on your behalf.
Yes. This may affect your premium and excess, so call us to discuss all your options.
We often get asked, what is the difference between Third Party Property Damage Car Insurance and Compulsory Third Party cover?
In Australia, you cannot register your vehicle without (CTP) insurance or (Green Slip in NSW). This insurance covers you against liability for death or bodily injury to others caused by your vehicle, no matter who is driving.
CTP cover does not cover damage to property. Third Party Property Damage Insurance covers you for the damage your car causes to another driver’s vehicle or property. Third Party Property Damage, Fire & Theft also covers you if your car is stolen or damaged by fire.
When considering Comprehensive or Third Party cover, you need to weigh up the financial cost to yourself if your car is written off compared to the insurance premium you are paying.
Comprehensive Car Insurance provides you with cover for accidental damage to your vehicle or theft of your vehicle as well as damage to other people’s vehicle or property where you are at fault.
Should your vehicle be financed, Comprehensive cover may be a requirement of the finance company. If your vehicle is not financed, the decision to go for a Comprehensive Car Insurance policy comes down to the value of the vehicle, what it would cost you to repair it, and whether you could pay for the repairs yourself.
If you have an older vehicle and its market value has decreased, Third Party Property Damage may be an option for you.
Third Party Property Damage Insurance covers you for any damage you cause to another person’s vehicle or property.
Car insurance covers you for costs in the event of an accident or claim that is covered by your policy in exchange for you paying an insurance premium. The amount you pay for your premium is based on your personal information. Premiums can vary from driver to driver based on each person’s personal information.
Here are some of the key factors that help determine your level of risk:
MARKET VALUE is the cost to replace your vehicle with one of the same make, model, age and condition as your vehicle immediately prior to the loss or damage.
Should you suffer a total loss and your vehicle is on a market value policy, then the value of your vehicle will be based on the following:
Benefits of MARKET VALUE:
Which options should I choose? The right policy for you depends on your situation and you should always consider the benefits and drawbacks of each policy in line with your own needs.
AGREED VALUE is the sum insured that has been agreed on by the Insurer at inception of cover. In the event of a claim being made as a result of the car being declared a total loss, your insurance company will reimburse the agreed amount specified on your policy.
Benefits of AGREED VALUE:
Which options should I choose? The right policy for you depends on your situation and you should always consider the benefits and drawbacks of each policy in line with your own needs.
Some important considerations include:
At Austbrokers Comsure, we can assist you in this process and provide you with both options to help make your decision.
As your Adviser, you will always contact Austbrokers Comsure in the first instance and we will guide you through the claims process as this can vary from insurer to insurer.
Phone |
View specific contact centre hours or find your Austbrokers Comsure team member.
Payments |
We offer a number of payment options. If you have questions contact our office.
Contact Us |
Let us help you with any questions you have regarding existing or new policies.
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Brisbane (Head Office) Level 9, 200 Creek Street Brisbane QLD 4000 |
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Sydney 26 Hunter Street Parramatta NSW 2150 |
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Springfield Central Level 6, 145 Sinnathamby Boulevard Springfield Central QLD 4300 |
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Sunshine Coast Suite 9, 3-5 Ballinger Road Buderim QLD 4556 |
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