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CAR INSURANCE
The minimum insurance that you must have is the COMPULSORY third party cover.
This may be know by different names in the different Australian States In
NSW it is normally called a "Green Slip", in Queensland it is known as CTP.
- Compulsory Third Party is a compulsory insurance to cover Injury to Third Parties, that
must be taken out when registering a motor vehicle. It covers the owner or driver
of the motor vehicle in the event of an accident against any legal liability or
obligation that they may have to anyone that they injure,
it only covers
personal injury, it DOES NOT cover damage to other property, cars etc
.
Optional extra covers can be taken out with an insurer of your choice,
it can be a different one to the above compulsory cover if you wish. These
covers are normally either Comprehensive cover or Third party Property with Fire
and Theft.
- Third Party Property, Fire and Theft Insurance
this covers you against accidental damage to other cars or
property if you cause an accident. Your car isn't covered for any accident
damage but it is covered against fire or theft. This policy does NOT
cover Third Party injury to any person, as that is covered by the
Compulsory third party cover mentioned above.
- Comprehensive Insurance
is an optional insurance cover that covers damage to your car, and or other vehicles
that may be damaged in an accident. Again, this policy does NOT cover Third
Party injury to any person, as that is covered by the Compulsory third
party cover mentioned above.
No Claims Discount
Many Insurers will accept your word that you have
proof of No Claims Discount from the UK, but in the event of an accident, it is
highly likely that they will want to see the proof prior to paying out the claim.
My advise is to send a copy of it to the Insurer, so they have it on file.
Links
Useful Insurer Sites to obtain Compulsory Third Party
Insurance Quotations:
Useful Insurer Sites to obtain Standard Motor Insurance Quotations:
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