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Understand the types of car insurance cover you may need during your Australian road trip with Savvy's useful guide.
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Australia is a big country and if you are visiting and planning to travel outside the big cities, public transport may not an option. If you’re planning to do some long-term backpacking and want to explore more than just cities, you might want to get a car. While this will give you the freedom to go wherever you want, whenever you want, it also comes with responsibilities. Before you hit the road, it’s important to ensure your car is insured. But what sort of insurance do you need? We explain all in this informative guide.
Yes – in Australia, all cars must be covered by Compulsory Third Party (CTP) insurance, known as a Green Slip in New South Wales. CTP insurance is designed to cover personal injury claims arising from car accidents, providing compensation for people who are injured or killed in an accident caused by the driver of the insured vehicle but not damage to vehicles or property. It is illegal to drive on public roads without CTP insurance and failure to have it can have significant financial and legal consequences if you are in an incident.
CTP insurance provides limited cover for drivers in Australia. If you want more extensive coverage, there are three types of optional car insurance available:
Every backpacker’s travel plans in Australia differ, so there's no one-size-fits-all policy. However, considering you may spend significant time on the roads, potentially in unfamiliar and remote areas, there are some car insurance policy features you may want to consider:
Taking out car insurance as a backpacker in Australia should be relatively straightforward. Generally, you will need the following:
There are several ways you could save on your car insurance premiums as a backpacker:
Select your car make and find out how much it may cost to insure, read helpful guides and compare quotes.
Disclaimer:
Savvy (ABN 78 660 493 194, ACR 541 339) provides readers with a variety of car insurance policies to compare. Savvy earns a commission from our partnered insurers each time a customer buys a car insurance policy via our website. All purchases are conducted via our partners’ websites. The integrity of our comparison service is unaffected by our partnerships with those businesses and our effort remains to bring further brands that do not already use our comparison service onboard.
Savvy’s comparison service includes selected products from a panel of trusted insurers and does not compare all products in the market. Any advice presented above or on other pages is general in nature and doesn’t consider your personal or business objectives, needs or finances. It’s always important to consider whether advice is suitable for you before purchasing an insurance policy. We always recommend readers to consult the Product Disclosure Statement (PDS) of different policies before purchasing your car insurance.
Quantum Savvy Pty Ltd (ABN 78 660 493 194) trades as Savvy and operates as an Authorised Credit Representative 541339 of Australian Credit Licence 414426 (AFAS Group Pty Ltd, ABN 12 134 138 686). We are one of Australia’s leading financial comparison sites and have been helping Australians make savvy decisions when it comes to their money for over a decade.
We’re partnered with lenders, insurers and other financial institutions who compensate us for business initiated through our website. We earn a commission each time a customer chooses or buys a product advertised on our site, which you can find out more about here, as well as in our credit guide for asset finance. It’s also crucial to read the terms and conditions, Product Disclosure Statement (PDS) or credit guide of our partners before signing up for your chosen product. However, the compensation we receive doesn’t impact the content written and published on our website, as our writing team exercises full editorial independence.
For more information about us and how we conduct our business, you can read our privacy policy and terms of use.
© Copyright 2024 Quantum Savvy Pty Ltd T/as Savvy. All Rights Reserved.
© Copyright 2024 Quantum Savvy Pty Ltd T/as Savvy. All Rights Reserved.
Quantum Savvy Pty Ltd (ABN 78 660 493 194) trades as Savvy and operates as an Authorised Credit Representative 541339 of Australian Credit Licence 414426 (AFAS Group Pty Ltd, ABN 12 134 138 686). We are one of Australia’s leading financial comparison sites and have been helping Australians make savvy decisions when it comes to their money for over a decade.
We’re partnered with lenders, insurers and other financial institutions who compensate us for business initiated through our website. We earn a commission each time a customer chooses or buys a product advertised on our site, which you can find out more about here, as well as in our credit guide for asset finance. It’s also crucial to read the terms and conditions, Product Disclosure Statement (PDS) or credit guide of our partners before signing up for your chosen product. However, the compensation we receive doesn’t impact the content written and published on our website, as our writing team exercises full editorial independence.
For more information about us and how we conduct our business, you can read our privacy policy and terms of use.