Insurance, less confusing.
Practical, jargon-free guides on managing Australian insurance: renewals, cover you already have, and the fine print that actually matters.
Does car insurance cover hail damage?
Comprehensive car insurance usually covers hail — third party and CTP never do. But you cannot buy cover once the storm is forecast, and hail write-offs depend on how your car is valued. Here is how it works.
Comprehensive vs CTP (compulsory third party)
CTP is compulsory, but it is not the same as comprehensive. Here is how the main Australian car insurance layers differ — and why renewal dates often do not line up.
Do you actually need comprehensive car insurance?
Comprehensive is not compulsory, but going without can be a costly gamble. Here is a clear way to decide whether comprehensive car insurance is worth it for your situation in Australia.
Car insurance excess explained (Australia)
Your excess is what you pay out of pocket when you claim — and most policies have more than one. Here is how car insurance excesses work in Australia and how they stack up.
What happens when your car is written off?
When repairs cost more than the car is worth, the insurer 'writes it off' and pays you out instead of fixing it. Here is how the total-loss payout is calculated and what to watch for.
No claim bonus explained (Australia)
A no claim bonus rewards claim-free years with a lower premium — until one at-fault claim knocks your rating back. Here is how NCB and 'rating 1' actually work in Australia.