Car insurance

How comparing car insurance works here

Answer the questions about your car, your driving record and the main driver, all on one page. You'll then see prices from the insurers on our panel.

When you pick a plan, you finish buying on the insurer's own site, with your answers already filled in.

Before you choose

• The excess is what you pay towards each claim for damage to your own car. Young or new drivers often pay a higher one.
• Your No Claim Discount belongs to you, not the car. It moves with you to a new insurer. Some plans protect it after one claim.
• Workshops differ. Some plans send you to the insurer's authorised workshops. Others let you choose.

What sets your premium

• Your car. The model, the engine size and how old the car is. A bigger engine or a pricier model usually costs more to insure.
• The main driver. Age, years of driving and job. Young drivers and new drivers usually pay more and have a higher excess.
• Your No Claim Discount. The single biggest discount, worth up to half the premium.
• Claims and demerit points. A recent at-fault claim or demerit points raise the price, and some insurers won't quote online.
• Where repairs are done. Plans that use the insurer's authorised workshops usually cost less than plans that let you choose any workshop.

Prices for the same car can differ by hundreds of dollars between insurers, because each one weighs these things differently. That's why it pays to compare at every renewal.

How the No Claim Discount builds up

One at-fault claim usually cuts the discount by 20 to 30 points. An NCD protector, an add-on on many plans, keeps your discount after one claim. The discount belongs to you, not the car. When you switch insurers, the new insurer checks it with your old one.

Comprehensive, third party fire and theft, or third party only

• Comprehensive pays for damage to your own car as well as what you do to others. Most drivers of newer cars choose it.
• Third party, fire and theft covers what you do to others, plus your car if it is stolen or catches fire.
• Third party only is the legal minimum. It covers injury to others and damage to their property, never your own car. It can suit an older car that is worth little.

You can switch between the three on the results page without answering the questions again.

See prices for your car

We work out example prices for hundreds of car models, from the Toyota Corolla Altis to the Tesla Model 3, for the same standard driver. Find yours in the car insurance price pages, or compare two insurers side by side.