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3 Things You Need To Know About
Comprehensive Car Insurance

NRMA | 8 December 2014

Comprehensive car insurance

When it comes to car insurance it can be tempting to
cut a few corners to find an affordable policy....

No one likes to think about insurance - until the day they need it. A cheaper policy may save you a few dollars today, but it can cost you thousands in the long run.

Before you make a decision about comprehensive car insurance, it's important to understand the different levels of car insurance available.

  • Compulsory Third Party (CTP) insurance - also known as your green slip - is exactly as the name suggests. It is compulsory for all motor vehicles in Australia, and it covers third parties for injury or death as a result of an accident.

  • Third Party Property insurance covers damage to a third party's vehicle

  • Third Party, Fire & Theft insurance adds additional coverage for your car if it is stolen or set on fire

  • Comprehensive car insurance covers damage to your vehicle and a range of other optional extras, depending on your level of cover.

    Now that you have a breakdown of the different types of car insurance available, here are three reasons to consider comprehensive car insurance to protect both your automobile and your finances.

  1. Keep moving

    Comprehensive car insurance is the only auto insurance that will cover you for damage to your own car should you be at fault in an accident. You may think it would be a simple matter to cover any repair costs yourself, but in reality this process can cost you both significant time and serious money.

    Comprehensive car insurance can cover you not just for the repairs or replacement of your vehicle, but can also cover car hire costs while you wait for repairs.

    Many insurers will include hire car cover after a theft or attempted theft within a standard comprehensive car insurance policy, with other incidents included under optional extras. So you'll keep moving, even when your car isn't.

  2. Stay financially secure

    Not only does comprehensive car insurance keep you on the road, it will also protect your financial livelihood in the event of an accident.

    Car repairs rarely come cheap, and car replacements even less so. The cost of an automotive accident is frequently thousands - and sometimes even tens of thousands - of dollars. That's more than enough to put a serious strain on your bank account.

    With comprehensive car insurance, you can rest assured that you'll be covered for the repairs or replacement of your vehicle should you have an accident. This way, you can determine a realistic excess amount to base your level of cover on - so you'll only pay as much as you can afford.

  3. Get value for money

    It's easy to be put off by the more expensive price tag that comprehensive car insurance comes with. But the point isn't to purchase a premium product for the sake of having a premium product - but for the added value it provides.

    Third party car insurance covers the bare minimum to ensure that third party costs are covered in the event of an accident. This level of cover may be considered if you have an old car that isn't worth much.

    However, if you have recently purchased a vehicle or your car is of high value - comprehensive car insurance covers you for all of life's automotive ups and downs; from collisions to natural disasters and vandalism.

    For more information, please visit the NRMA website for a guide on Comprehensive Car Insurance. The site also includes helpful videos on how to pick the right car insurance and how to make a car insurance claim.

Infographic: Guide Car Insurance NRMA

Disclaimer: The views of authors on our website are not necessarily representative of those views of our website. Articles contain only general information, correct at the date of publication. For advice regarding your own personal circumstances, always seek individual advice from a qualified professional. This article may not be reprinted, reproduced, or retransmitted in whole or in part without the express written consent of Please read the complete Disclaimer here

What does it mean to be a single mum?Of course, the


are the most important thing in a single mum's life. Kids are the focus and always have been. But along with the children, there are other matters that can confuse a single mum's life.


plays a big part of a single mother's life, mainly because this is where a large percentage of single mums get their finances from. Centrelink are the source from where the

single mother pension

, or as it is otherwise known, the single parent payment comes from. The single mother pension is a subsistence amount, but just the same, it is money to live on, and so it is important, no matter if it is called single parent payment, single mother pension or whatever Centrelink welfare classes it at the time

Often, single mums come out of a


or defacto relationship only to find that their troubles have just begun, and find that their first step leads them towards Family Law - it's time to engage a lawyer.
There are more than just Centrelink finance problems to worry about, as mentioned before, but also

child custody

issues. Child custody is something that hits right at the heart of

single mums

. If a single mother's ex husband or ex partner has been a domestic violence perpetrator, the mum may be greatly worried about child custody. They worry that their kids won't be safe with their spouse, who has already proven to be abusive because they caused

domestic violence

, which resulted in a divorce or separation.

Even so,

Family Court

will often still order a form of child custody named

Shared Parenting

. Shared Parenting is a form of child custody division of time or parental responsibility between the parents. Mother's often look for a good divorce lawyer to try to avoid share parenting with an abusive ex-spouse after divorce, however in many cases Shared Parenting is still the outcome after the divorce, no matter how good the divorce lawyers have been. They will often settle for visitation at a contact centre or access centre where fathers or mothers are supervised during child custody access.

Please remember the bigger font words,because we will use it often in our website.