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When taking out car insurance, you might be wondering if you are covered if your car or personal items are stolen – find out in Savvy's useful guide.
Fact checked
Car insurance in Australia comes in various forms, providing drivers with different levels of protection. It is crucial to understand the types of car insurance available and the extent of their coverage, especially when it comes to protecting against theft. This handy guide delves into the different types of car insurance policies in Australia and explores which ones safeguard against theft of your car and personal items.
In Australia, drivers have the option to choose from three types of optional car insurance, each providing different levels of coverage:
In Australia, two types of car insurance provide coverage if your car is stolen:
Comprehensive car insurance typically covers theft of personal items from your car. While certain TPFT insurance policies may include protection for items such as child seats and personal belongings inside the vehicle up to a certain amount, this depends on the insurance provider and is not generally offered as standard.
If you have comprehensive car insurance and your personal items and child seats are stolen from your locked vehicle, you will usually be covered for the stolen items up to a certain limit. You may also be covered for tools in the car and stolen keys. However, the exact items covered and the amount they are covered for may vary depending on the insurance provider and the policy terms, so it's essential to review the product disclosure statement (PDS) to understand the extent of coverage and any limitations.
Before you take out any policy, it is important to be aware of the coverage limits and any applicable excesses for personal belongings theft. If you frequently carry valuable items in your car, such as laptops, you may consider adding optional extras or increasing the coverage limit to ensure your personal belongings are adequately protected if stolen.
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.