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A consideration when choosing car insurance is your premium. That’s the amount you pay for your insurance cover.
Policy premiums are influenced by a range of factors such as your vehicle type, your personal circumstances, and the commercial considerations of your insurer.
Another cost to consider in your car insurance policy is your excess.
An excess is the amount you may contribute towards the cost of your claim. Your current Certificate of Insurance shows the amount and types of excesses that apply to your policy.
The cost of your premium and excess often go hand-in-hand. For example, NRMA Insurance offers a voluntary excess you can choose to pay on top of the standard excess. If you increase the voluntary excess on your policy, you may be able to lower the cost of your premium.
Here’s an overview of some of the factors that may influence your car insurance costs. For more information, please read our Premium, Excess and Discounts Guide.
Cover for a wide range of things that can damage or destroy your car, including accidental damage, collision or crash, vandalism, theft, fire and severe weather.
Cover for damage you cause to other people's cars or property in an accident, as well as damage to your car by an uninsured driver. This doesn’t cover fire or theft.
Compulsory Third Party Insurance for your car if you’re in NSW or SA (or MAI Insurance in the ACT). This covers injuries to other people if you cause an accident on the road.
When getting a quote for a car insurance policy, you’ll need to tell us the following details:
We offer a range of discounts that could apply to eligible insurance policies:
In Australia, every registered vehicle needs to have Compulsory Third Party Insurance, also known as CTP or Green Slip Insurance. In some states and territories, CTP is automatically included as part of the registration fee, but in others, you’ll need to purchase it separately.
Besides mandatory CTP, any other insurance you take out is entirely up to you.
An excess is the amount you may contribute towards the cost of your claim. Your current Certificate of Insurance shows the amount and types of excesses that apply to your policy.
The information on this page is general in nature and is intended as a guide only and does not take into account your individual objectives, financial situation or needs. All pricing information and descriptions of factors that may affect premiums are for general illustrative purposes only and do not constitute a quote, guarantee or binding offer. Actual premiums, excesses and eligibility are determined individually based on our underwriting criteria, the terms and conditions of the relevant policy, and the information you provide. Pricing factors and how they are assessed may change from time to time without notice. Any discounts or offers referred to are subject to eligibility criteria and applicable terms and conditions. For full details, please refer to the relevant Product Disclosure Statement (PDS) and our Premium, Excess & Discounts Guide (PED).
