What car insurance do I need if I have multiple vehicles?

Assess your needs: consider factors such as the value of your vehicle, your driving habits and your financial situation. Determine the level of coverage you need based on these factors.
Compare policies: take the time to research and compare different insurance policies. Look for coverage options, policy inclusions and exclusions and additional benefits offered by different insurers.
Consider affordability: evaluate the cost of premiums and any applicable excesses. Find a balance between the coverage provided and what you can afford.
Look for optional extras: many policies will come with optional extras you may be able to add to your insurance, such as roadside assistance and excess-free windscreen replacement. Consider which of these are important to you and look for insurers and policies which may offer cover for these.

If you own multiple vehicles in Australia, you have a few options for car insurance. You can choose to insure each vehicle separately with individual policies or you may consider a multi-car insurance policy . Multi-car insurance allows you to cover multiple vehicles under a single policy, which can be more convenient and potentially save you money.

Do I need additional coverage for car accessories and modifications?

If you have added accessories or modifications to your car , it's important to review your insurance policy to ensure they are adequately covered. In some cases, you may need to purchase additional coverage specifically for these additions. Not disclosing modifications to your insurer can lead to potential issues when making a claim, so it's important to communicate any modifications or accessories with your insurance provider.

Can I insure a second-hand or used car?

Yes – you can insure a second-hand or used car in Australia , provided it meets your insurer’s eligibility criteria. If your vehicle is in good condition and doesn’t have a history of accidents, you may qualify for cheaper premiums compared to brand-new vehicles, as the cost of repairs may not be as great for used cars.

Can I still get car insurance with a criminal record?

Having a criminal record may impact your ability to obtain car insurance, but it’ll depend on the severity and nature of the convictions. While some convictions may result in higher premiums or a denial of coverage, such as drink driving or insurance fraud, it's important to disclose any relevant information to your insurer to ensure accurate and appropriate coverage.