The Croydon Selector
I often get nervous when I drive a car whether it be a large car or a small car. I am often fearful of getting into an accident and strangely it’s not my safety that I am concerned about but the cost involved in repairing any damage that may result. That goodness we have car insurance to help address that although the inconvenience still remains of having to get the car repaired. In the event of an accident there’s a chance that your car insurance might be able to cover a portion of the cost but need to look at the terms etc before working that one out.
To be more specific I ended up getting comprehensive car insurance which I found to be a little bit more than standard third party insurance. I’m guessing it’s because you can get more cover with it than you would a CTP greenslip type arrangement. Anyways, the reason I know this is that I took the time to look around, ask around and actually get a car insurance quote or two. Was really a very interesting process looking at all the options that I had before me.
For my own personal circumstances I found that cheap car insurance was not necessarily the most suitable for me so I didn’t necessarily go for the cheapest option although didn’t necessarily go for the most expensive one either. I read through the details reasonably thoroughly to work out what was the right mix of cost and cover for my vehicle and how I used it on a day to day basis. Took a really long time to read through everything but I think it ended up being a worthwhile exercise in the end. Car insurance comparison is vital for getting what you need.
When I did research into Car Insurance Australia I was pleasantly surprised that there’s quite an extensive selection of options available for the state that I lived in which gave me comfort that I didn’t feel stuck to the one provider which meant there’s a better chance I could get a better deal.
Typically, full cover is OK, but if it is inconvenient to pay, consider reducing the number of cover areas, especially the one that you do not see may occur in the near future.
There’s lots of big brands operating in this space and interesting brands targeting different types of customers but for me most of them weren’t relevant but was comforting to know those options existed anyways. Using the internet definitely helped the process reading up about not only insurance but also about safe driving and how to avoid accidents by being more defensive. Overall was a good learning experience which ended in me being able to make an informed decision on the best way to move forward.
