Drivers face fines if they don’t present it when asked. QLD has a strict requirement that every driver 75 and over needs to carry a ‘medical certificate for motor vehicle driver’ form whenever they drive 1. We’ve also included a breakdown below of the restrictions by state. These requirements can also change, so it’s a good idea to check the current laws in your state before taking out car insurance. These options vary between providers and some may be covered in the original premium, so it’s always worth checking out.Īs a senior driver, you’ll likely face licensing restrictions depending on which state you live in. A Comprehensive policy often comes with options to add extras to your cover, like a hire car or Roadside Assistance and Personal Effects Cover. In many cases, it may also cover events like hail or storm damage. Whether an accident is your fault or not, a comprehensive policy can help cover damage to other people’s property and vehicles, as well as your own. The highest cover available is Comprehensive Car Insurance. Remember, this option still doesn’t cover damage caused to your car in an at-fault accident or for most possible incidents. Third Party Fire and Theft Insurance helps cover third party property damage as above, but also includes damage to your car because of fire or theft. If you take this insurance out, you would be responsible for the costs of replacing or repairing your own car in the event of an accident. It generally doesn’t cover damages to your car or property though. As the name suggests, this helps cover damage to other people’s vehicles and property caused by an accident that was your fault. The next is Third Party Property Insurance. It helps cover accidental injury or death to another person caused by your driving. Injuries or death to others in an accidentĬTP is mandatory insurance for every driver in Australia and in some states it’s paid automatically whenever you register your car. Here’s a quick refresher on what each covers.ĭamage to another person’s car or property Ask us for more details before we provide you with any services.No matter your age, experience, or driving history, you’ll generally still have access to the same four types of insurance policy as all drivers. iSelect receives commission for each policy sold that is a percentage of the premium or a flat fee. You should consider iSelect’s Financial Services Guide which provides information about our services and your rights as a client of iSelect. You need to consider the appropriateness of any information or general advice iSelect gives you, having regard to your personal situation, before acting on iSelect’s advice or purchasing any policy. Any advice provided by iSelect on this website is of a general nature and does not take into account your objectives, financial situation or needs. ISelect General Pty Ltd ABN 90 131 798 126, AFS Licence Number 334115. Click here to view iSelect’s range of providers. Our relationship with those companies does not impact the integrity of our comparison service. A number of our participating general insurance brands are arranged by Auto & General Services Pty Ltd ACN 003 617 909 on behalf of Auto & General Insurance Company Limited 111 586 353, both of which are related entities of iSelect Limited. Some policies are only available from iSelect’s call centre or website. Not all policies available from iSelect’s providers are compared by iSelect and due to commercial arrangements, area or availability, not all policies compared by iSelect will be available to all customers. The availability of policies may change from time to time. *iSelect does not compare all home and contents insurers or policies in the market. 6 As a result of these devastating events, homeowners and renters in New South Wales may consider these factors when choosing their Home and Contents Insurance. 5 18 months following this catastrophic event, the Eastern Australian Floods forced 18,000 people to evacuate their homes. In 2020 they suffered through the Black Summer bushfires which resulted in 2,448 homes being destroyed. 4 With the increasing property development in high-risk areas, floodplains pose a threat to more and more Sydney homes. Large portions of Sydney are built on floodplains which can result in a higher chance of flooding. As a NSW resident, the risks to your property can change based on where you live. That said, it’s important to note that NSW is a highly populated state, with its population spread throughout both Sydney and in regional areas. With the possibility of bushfires, flooding, and storms there are a variety of concerns to potentially consider when living in NSW. What are the risks to your home and contents in New South Wales?
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