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AUTO INSURANCE PRICE COMPARISON DRIVERS

Comprehensive car insurance policies often have limits to some of their benefits. Find out about limits to policy benefits.If you’re not driving as much then you could find a policy with a more cost-effective rate and save some cash. Get an understanding of how many kilometres you drive each year. If you regularly review your policy, you can put yourself in a position to get a better rate that suits your budget and needs. This can happen due to things like fluctuations in the insurance market and the number of claims in your area. Providers can make changes to their policies at any time of the year. Regularly review your policy, not just at renewal time.Looking for Car Insurance? Here are Mark’s top tips You can also check your policy’s Product Disclosure Statement to see if there is any information about waiting periods for cover in the event of a stolen car.

Make sure you communicate with your provider as accurately as possible to help finalise the process. This whole process can take days or weeks depending on the provider. Your provider will then typically pay you for the losses that are covered within your policy, minus any deductibles you may have. Once this process is complete, your provider will assess your claim and determine its validity. You may also need to provide additional documentation such as police reports or photos of any damage to the car after the incident. It could depend on several factors such as the complexity of the claim, how much damage there is to your car, and how responsive your provider is. If your car isn’t recovered, then it may take a little longer. This usually depends on the time it takes the police to recover the car, as well as the waiting period as defined by your insurer. Choosing to insure for market value or a lower agreed value, which will reduce the amount your insurer has to pay-out should your car be written-off.Choosing a higher excess, which means you’re taking on a larger part of the risk from your insurer.

AUTO INSURANCE PRICE COMPARISON DRIVERS

Fewer drivers means less risk of a claim for your insurer

Limiting the number of drivers nominated on your policy, especially if they’re under 25.

Some insurers may offer lower premiums for drivers who don’t use their car frequently For example, catching public transport to work. This may reduce the risk of theft and damage claims

Buying a car fitted with an immobiliser or a security alarm, or having them installed.

Parking your car in secure parking (such as in lock-up garage) if possible, to reduce the risk of theft, vandalism, flood or storm damage claims.

While insurers calculate premiums differently, there are a number of things you can do which may reduce the cost of your car insurance premiums. Optional roadside assistance bundled with comprehensive cover from iSelect’s car insurance providers could include: battery assistance, tyre changes, towing, key rescue, emergency fuel, and more, depending on the provider and policy. With roadside assistance you’ll never have to fear being stranded if your car breaks down. With this optional extra, you can choose to pay more on your policy premiums, and reduce the amount of excess you’d have to pay in the event that your windscreen needs repair or replacement. Typically, an insurer will charge you an excess to repair this damage, which could total hundreds of dollars. You could be driving along the highway, and a vehicle on the road ahead flicks up a stone that cracks or chips your windscreen. With this extra, your insurer may provide you with a replacement hire car for a set period of time, if your car is written off. If your car is essential for your work commute or general lifestyle, this optional extra may be of benefit to you. Hire car services if your car is written off By not selecting this option, the repairer could be solely at your insurer’s discretion. Got a preferred car repairer you’ve always worked with? This optional extra gives you the ability to nominate your preferred repairer. Learn more about the optional extras offered by some of our providers Freedom to nominate your choice of repairer