Car Insurance

No, it's not illegal to drive someone else's car. But you're legally liable for the vehicle that you're driving, regardless of whether you own it or not.

It turns out you don't need to be a criminal to get yourself a record that will follow you around for life.

There are four main categories of car insurance.Compulsory Third Party (CTP)CTP insurance is mandatory in all Australian states. It covers you or any driver of your car against liability for death or injury caused during an accident. CTP is a type of third-party insurance, but it doesn’t protect you from third-party property damage.Third-party PropertyThird-party property insurance covers you for damage done to another car while driving. It does not cover damage to your own car. We consider third-party property insurance to be just about as mandatory as CTP. There’s no telling what you’ll bump into at the lights. If it’s a brand-new Beemer, you don’t want to be paying for those repairs out of your own pocket.Fire and Theft Fire and theft insurance is a restricted policy that will help to reimburse the policy-holder if their car is stolen or lost to fire damage.ComprehensiveComprehensive insurance essentially covers all your bases. The coverage includes theft and collision, but also weather and malicious damage. Many comprehensive policies cover damage caused to other cars, as well as your own. General tips?Shop around. Not all insurance providers are made equal. Different customers will get different quotes, and different providers will value different things. Use all the tools at your disposal to get as many quotes as you can. Consider your needs. If your car cost less than what you’re being quoted for a comprehensive policy, consider third-party property insurance instead. If you just drove your brand-new car off the showroom floor, go for the comprehensive policy.CarsGuide does not operate under an Australian financial services licence and relies on the exemption available under section 911A(2)(eb) of the Corporations Act 2001 (Cth) in respect of any advice given. Any advice on this site is general in nature and does not take into consideration your objectives, financial situation or needs. Before making a decision please consider these and the relevant Product Disclosure Statement.

Young drivers have been warned that they need the correct insurance policy otherwise they could be up for crippling bills in the event of an accident.Industry expert John Saunders, who has 30 years' experience in the insurance business, has warned of the potentially devastating impact of cutting corners with car insurance."Parents can be unaware that there is often little point in having a young driver's policy in their name to save money as young drivers need to start earning their no claim bonus at some stage," Saunders, managing director of Insure Simply, said."A smart driver understands what he or she is covered for before an accident occurs rather than learning the hard way."Insure Simply is claimed to be Australia's first online service enabling users to compare competitive policies in an objective and easily identifiable way.Among the companies Insure Simply list for comparisons are Allianz, QBE and Suncorp.There are some useful tips on what new or young drivers need to know, some are blindingly obvious others need a little more thought.Here are some tips regarding car insurance:Policies usually exclude cover when a car is unroadworthy. eg: If an accident is caused by bad brakes and their poor condition was obvious beforehand, this could cause a claim to be denied.If you have a nominated driver policy, cover is normally only extended if driven by others in an emergency.Policies exclude cover for damage (and liability to others) when the driver is drunk. (The driver's car may not be worth much but cars or property they damage could be worth considerably more.Policies exclude cover while racing.Agreed value is not necessarily superior to market value as the market values are the basis of agreed values anyway.Check policy to see what accessories are covered.Make sure the insurer is informed about performance enhancing extras.Be totally truthful in any insurance application. It may save you money in the premium but may result in no cover when it is needed.Any fraudulent claims are normally pursued by insurers.CarsGuide does not operate under an Australian financial services licence and relies on the exemption available under section 911A(2)(eb) of the Corporations Act 2001 (Cth) in respect of any advice given. Any advice on this site is general in nature and does not take into consideration your objectives, financial situation or needs. Before making a decision please consider these and the relevant Product Disclosure Statement.

Why does RMS register a car by production date? I purchased a brand new 2019 Hyundai Elantra Sports Premium sedan. It has only been out one week when I bought the car. However, the production date started on 9 November 2018 and the completion date was late February 2019. The 2019 model with all the 2019 differences to the 2018 has only been out two weeks. Yet RMS register it as a 2018 car even though it’s a 2019 model and also now my insurance company is insuring it as a 2018 model.

I have some scratches and minor dents on the passenger side of my 2013 Suzuki Swift and scratches on the bonnet and back bumper and a large scrape from the curb on the driver’s side.

Is it worth making insurance claims, which will set me back approximately $1000 in excess to repair the damage before selling the car?

We bought a brand new 2013 SZ Ford Territory Titanium TDCI diesel rear-wheel drive auto. It has now done just over 90,000 km.

In recent months we noticed there is no hot/warm air, only cold air. We were informed that a plastic rod inside the dashboard had broken and will be very costly to fix. We have been informed this is a common problem with Ford. We called Ford and were told the car is no longer under new car warranty. For Ford to run a diagnoses test will cost $170 per hour. The actual cost of fixing the issue is very costly.

Given this is a common and known issue what is our right? Am I entitled to a free of charge repair to fix this problem? The car is under BN36 - Basic 36 months vehicle Protection plan, which expires on 21/4/2019.

How much is rego and comprehensive insurance on a 2011 Aldi Q5?

Do you pay stamp duty every year when you get comprehensive insurance?

I want to insure my 1980 WB Holden 4.2-litre V8 manual for fire and theft, what would market value be?