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Comprehensive vs Third Party Car Insurance
When you’re buying car insurance it’s important you have the facts so you can make an informed decision. Understanding what you’re covered for will help you avoid unexpected costs and provide maximum peace of mind.
Car owners: your legal obligations
Cars give us the freedom to go where we want, when we want. With that convenience comes responsibility though, and as a car owner you need to meet two legal requirements: registration and Compulsory Third Party (CTP) insurance.
CTP and Green Slips explained
CTP insurance (known as a Green Slip in New South Wales) covers the cost of third party compensation claims, if you, or anyone driving your car, causes an accident in which someone else is injured. This includes your passengers, pedestrians, motorcyclists, cyclists, other drivers and their passengers.
Frequently Asked Questions
Check the accident scene is safe. If anyone is injured or there is significant property damage, call the police immediately (and an ambulance if necessary). Ensure you collect the name, address, phone number, registration number and insurer of any third party(s) and the contact details of any witnesses. Have this information at hand when you contact our Claims department to lodge your claim. Call us 24 hours a day on 133 723.
Call the police immediately, then contact our Claims department. Call us 24 hours a day on 133 723.
Contact our Claims department so we can anticipate contact from the third party’s insurer. We’ll handle all communication between the third party and their insurance company on your behalf. Call us 24 hours a day on 133 723.
Yes, on renewal you should advise us of all changes to your car and your driving history.
Yes, you can add them to your policy (your premium may reflect this change). Please call us on 133 723.
The advice on this website has been prepared without taking into account your objectives, financial situation or needs. You must decide whether or not it is appropriate, in light of your own circumstances, to act on this advice. You should ensure you obtain and consider the Product Disclosure Statement for the policy before you make any decision to acquire it.