In Australia, you are required to have Compulsory Third Party insurance to cover people who are in an accident that you are involved in. In some states, the government includes this cover as part of your car registration fee.
Third Party Property insurance covers you for damage to other people’s property and your own legal costs in the event of an accident. Third Party Fire and Theft insurance covers damage to other people’s property as well as limited theft and fire cover to your own car.
Comprehensive Insurance covers you for damage to your own car, other people’s property as well as cover for fire and theft.
The cost of car insurance premiums vary depending on where you live (which state, area, suburb and town), where you park the car at night, whether you drive it to work daily and if yes, where you park at work, your driving history, age and driving history of others who will also be driving the car, whether the car is being financed, the make and model of the car, value being insured, and any accessories and modifications that have been fitted to the car. You will be asked these questions when getting a quote from the insurance providers.
If you are insuring a car or vehicle that you import into Australia, be sure to disclose and discuss it to the insurance company before signing up as many of them have a disclaimer that they do not cover personally imported vehicles so even if you are paying the premium, they may not have to pay out in the event of an accident.
Marine insurance covers for boats and personal watercrafts such as jet skis if you own one.
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Sterling Healthcare Resourcing
The content of this website is written and owned by Sterling Healthcare Resourcing Pty Ltd, an Australian-owned healthcare recruitment agency which specialises in permanent and locum job placements of Australian and international doctors. This website contains information that serves as a general guide to living and working in Australia.