What are the top car insurance tips?
Published 9 October 2018
Tips to help make sure your car insurance measures up.
No matter how good a driver you are, it only takes a moment’s lapse - or bad luck - to do damage to your car. A hailstorm while you’re parked outside or a stone through the windscreen can put you at risk of expensive repairs. So it’s important to get the right cover.
1. Get the right level of cover
There are several levels of cover you can choose from, depending on your needs and budget:
- Comprehensive cover pays to repair or replace your own car if it's damaged in an accident, or by natural events like hail or fire, or if it's stolen.
- Third Party Property Damage Fire & Theft cover pays if you damage someone else's car or property, and also pays if your car is damaged by fire or theft.
- Third Party Property Damage cover pays if you damage someone else's car or property.
As well as the level of cover you choose, check that your policy includes extras that matter to you - like cover for baby seats and personal items in your car.
2. Make sure you won’t be stranded
If you rely on your car, it can be tough to be without it. So you might want to look for cover that offers 24/7 claims assistance, pays for a hire car while yours is being repaired, and helps with emergency accommodation and travel costs if you’re far from home.
3. Get extra protection for new cars
When your car is new, it’s more special than ever. And a second-hand replacement won’t feel the same. So you might want to look for insurance that will replace your new car with a brand new car if it’s written off.
4. Be honest about modifications to your car
If you like to change the look and performance of your car, make sure you tell your insurer about your modifications and accessories. Not all modifications and accessories are covered and some could affect your ability to claim. But if you're upfront when you apply, you'll know where you stand and can make sure your car is protected.
5. Bundle and save
Often you can reduce the cost of your car insurance premiums by keeping it with the same provider as your home and contents insurance or other insurance — with ANZ, you can save up to 12.5%disclaimer.
6. Keep your policy details close to hand
Get the ANZ App and bring all your policies with ANZ and other insurers into one place. That way you will always have your cover details handy when you need them most.
Get protection for your car quickly and easily
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This information is current as at date of publication and is subject to change.
The issuer of this information is ANZ. While ANZ has taken care to ensure that this information is from reliable sources, it cannot warrant its accuracy, completeness or suitability for your intended use. To the extent permitted by law, ANZ does not accept any responsibility or liability arising from your use of this information.
ANZ Car Insurance is issued by QBE Insurance (Australia) Limited (ABN 78 003 191 035, AFSL 239545) (QBE). ANZ recommends that you read the ANZ Financial Services Guide (PDF 479kB) and ANZ Car Insurance Product Disclosure Statement and Policy Document (PDF 1.2MB) (available online or by calling 13 16 14) before deciding whether to acquire, or to continue to hold, this product.
Although Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522 AFSL 234527 distributes these products, ANZ does not guarantee the issuers or their products.
This information is of a general nature and has been prepared without taking account of your objectives, financial situation or needs. You should consider whether the information is appropriate for you having regard to your objectives, financial situation and needs.
The ANZ App is provided by ANZ. Super, Shares and Insurance (if available) are not provided by ANZ but entities which are not banks. ANZ does not guarantee them. ANZ recommends that you read the ANZ App Terms and Conditions available at anz.com and consider if this service is appropriate to you prior to making a decision to acquire or use the ANZ App.
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The current maximum discount of 12.5% for holding 3 or more eligible policies is subject to change and exclusion. Please refer to the PDS for further details.
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