Understanding car insurance doesn't have to be complicated. We've made it simple and transparent.
Learn how car insurance works and get pricing estimates
Use our free online calculator to estimate car insurance costs. Enter your vehicle and driver details to see typical pricing ranges.
Learn about different coverage levels and how various factors affect your insurance costs. Understand what influences premiums.
Use your pricing estimate to compare insurance providers and make informed decisions about your car insurance coverage needs.
What affects your car insurance price?
Make, model, age, and value of your vehicle influence your premium. Newer, more expensive vehicles typically cost more to insure.
Your age, driving experience, and claims history affect pricing. Experienced drivers with clean records often receive better rates.
Where you live and park your vehicle impacts risk. Urban areas may have higher rates due to traffic and theft risk.
The extent of coverage and your chosen excess amount directly affect your premium. Higher excess means lower premium.
Annual kilometres driven and vehicle use (personal vs business) influence pricing. Less driving typically means lower premiums.
Years without claims earn you discounts. Build your no-claim bonus to reduce your premium over time.
General information about the claims process
When you have car insurance and damage occurs, you file a claim with your insurance provider. The claims process typically involves reporting the incident, having your vehicle assessed, and receiving repair or settlement from your insurer.
When making a claim, you'll typically pay an excess amount (the amount you chose when getting your policy). This is your contribution toward the claim cost. Not-at-fault claims may not require excess payment if your insurer can recover costs from the at-fault party.
Making at-fault claims can affect your no-claim bonus discount and may increase your premium at renewal. Not-at-fault claims typically don't impact your premium. Many insurers offer no-claim bonus protection as an optional add-on.
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