COMPREHENSIVE CAR INSURANCE IN QUEENSLAND (QLD)
Date published: 08/06/23 All content in this article is intended to be general in nature and does not constitute and is not intended to be financial or professional advice.
Ready to roll? ROLLiN' is your go-to destination for comprehensive car insurance in Queensland. As an everyday driver, you know how important it is to protect your vehicle and yourself while on the road. Especially in Queensland.
Don’t you guys have crocodiles up there? Anyway, that’s why comprehensive car insurance can help provide peace of mind that you’re protected against the unexpected, such as accidents, theft, damage and more eg. a crocodile stealing your car (just kiddin').
Here’s what you need to know about comprehensive car insurance in QLD so you can hit the road with confidence.
WHAT CAR INSURANCE IS COMPULSORY IN QUEENSLAND
In Queensland, as well as in all states and territories of Australia, compulsory third-party (CTP) insurance is mandatory for all registered vehicles. Essentially, in the event of an accident, it covers personal injury caused by your vehicle to other people.
While comprehensive car insurance itself is not mandatory, it can provide valuable coverage in addition to CTP insurance. It helps protect your vehicle against the real nasty stuff, like damage, theft and other unforeseen events, helping to give you peace of mind. We all love that peace of mind.
WHAT IS COMPREHENSIVE CAR INSURANCE?
While third-party (CTP) insurance is mandatory for all vehicles on Australian roads, comprehensive car insurance can help to provide broader coverage. Comprehensive car insurance can cover damage to your vehicle from accidents, theft, vandalism, natural disasters and, depending on your insurer, a variety of other unforeseen events.
A comprehensive car insurance policy may also include additional benefits like towing, rental-car reimbursement and personal belongings (typically subject to policy limits). While not mandatory, comprehensive car insurance can help give you financial protection and peace of mind whenever you hit the road.
REASONS TO CHOOSE COMPREHENSIVE CAR INSURANCE WITH ROLLIN'
Comprehensive car insurance provides more coverage compared to other types of policy, such as third party. If you are weighing up compulsory vs third-party insurance, know that the former offers cover for damage to your own vehicle in addition to liability for damages to other vehicles or property.
COMPREHENSIVE CAR INSURANCE COVER IN QUEENSLAND
While not mandatory in Queensland, having comprehensive car insurance is a popular choice for drivers, particualrly in busy cities like Brisbane and the Gold Coast. The bustling metropolises are densely populated, and that means there’s going to be more traffic on roads. This likely means a higher risk of accidents, and there may also be increased incidents of theft and vandalism.
Comprehensive car insurance helps provide protection against these pesky risks, by offering cover for damage to not just your own vehicle but for damage to other cars and property after an incident.
It can help put your mind at ease when behind the wheel in densely populated areas, whether you’re commuting in the busy streets of Brisbane or taking in the sights of the always-vibrant Goldie.
WHY PEOPLE ARE CHOOSING ROLLIN' INSURANCE
Here’s some reasons drivers are absolutely loving ROLLiN’ Insurance:
WE LIKE TO KEEP IT SIMPLE
Simple is our middle name (jokes, it is Patricia). We offer one comprehensive car insurance policy designed with our customers in mind. That's it! With our monthly policy, you have the flexibility to make certain changes at any time. Plus, if you decide to part ways with us, there are no exit fees.
WE'RE CHEAPER BY DESIGN
We’re a digital brand (don’t worry, we still employ humans) which means we keep our costs low, which helps us keep our prices low.
| You can list up to 10 cars and 10 drivers under one policy with us, as long as they meet our underwriting criteria. With just one account and one login, you can manage multiple cars and drivers all in one. | Say goodbye to what-if scenarios. We've simplified things for you by including our favourite extras. |
| The excess for drivers listed on the policy is $800, and for unlisted drivers, it's $3,000. We don’t do secrets. | If your car is in the shop getting repaired for a covered incident, we've got your back. We'll help fund your replacement transport, up to $80 per day for up to 21 days, regardless of fault, just provide us with the receipt. |
FREQUENTLY ASKED QUESTIONS
What Car Insurance Is Required In QLD?
CTP insurance is mandatory in Queensland (and all states and territories in Australia), while comprehensive car insurance is optional but can provide additional protection.
Do You Legally Have To Have Car Insurance In QLD?
Yes. CTP insurance is legally required for all vehicles on Queensland roads.
Do You Need CTP Insurance In QLD?
Yes. Every QLD driver needs CTP insurance for their car, while a comprehensive policy can provide additional cover.
Does QLD Registration Include Insurance?
Yes! CTP insurance is included with your car rego costs in Queensland.
This is general advice only and does not take into account your individual objectives, financial situation or needs (“your personal circumstances”). Before using this advice to decide whether to purchase a product, you should consider your personal circumstances and the relevant Product Disclosure Statement. Product Disclosure Statement and Target Market Determination are available from rollininsurance.com.au. Insurance issued by Insurance Australia Limited ABN 11 000 016 722 AFSL 227681 trading as Rollin’ Insurance.