{"organism":"Page","children":[{"organism":"Container.Raw","children":[{"organism":"Metadata","model":{"title":"What type of car insurance should I buy?","text":"\u003Cp\u003EWhat insurance do you need for your car? Read on.\u003Cbr\u003E\r\n\u003C/p\u003E\r\n","links":[{"name":"What type of car insurance should I buy?","value":"https://www.shell.com.au/shell-fuels/go-well-content-hub/what-type-of-car-insurance-should-i-buy.html"}],"image":{"src":"https://www.shell.com.au/shell-fuels/go-well-content-hub/what-type-of-car-insurance-should-i-buy/_jcr_content/root/metadata.shellimg.jpeg/1698229027217/what-type-of-car-insurance-should-i-buy-banner.jpeg","alt":"Man talking on mobile phone","width":2280,"height":1296},"date":"2023-05-11T10:16:00.000Z","tags":[{"name":"Vehicles","value":"vehicles:"},{"name":"Save well","value":"shell:business/business-customers/save-well"}]},"id":"/content/shell/countries/australia/en_au/shell-fuels/go-well-content-hub/what-type-of-car-insurance-should-i-buy/jcr_content/root/metadata"},{"organism":"ContentOwner","model":{},"id":"/content/shell/countries/australia/en_au/shell-fuels/go-well-content-hub/what-type-of-car-insurance-should-i-buy/jcr_content/root/contentowner"},{"organism":"Container.Header","children":[{"organism":"Container.Raw","ref":"https://www.shell.com.au/_jcr_content/root/header/inherited.model.json","id":"/content/shell/countries/australia/en_au/shell-fuels/go-well-content-hub/what-type-of-car-insurance-should-i-buy/jcr_content/root/header/inherited","model":{}},{"organism":"Breadcrumb","model":{"links":[{"name":"Home","value":"https://www.shell.com.au/"},{"name":"Shell fuels","value":"https://www.shell.com.au/shell-fuels.html"},{"name":"Go Well Content Hub","value":"https://www.shell.com.au/shell-fuels/go-well-content-hub.html"},{"name":"What type of car insurance should I buy?","value":"https://www.shell.com.au/shell-fuels/go-well-content-hub/what-type-of-car-insurance-should-i-buy.html"}]},"id":"/content/shell/countries/australia/en_au/shell-fuels/go-well-content-hub/what-type-of-car-insurance-should-i-buy/jcr_content/root/header/breadcrumb"}],"id":"/content/shell/countries/australia/en_au/shell-fuels/go-well-content-hub/what-type-of-car-insurance-should-i-buy/jcr_content/root/header","model":{}},{"organism":"Container.Main","children":[{"organism":"Container.Section","children":[{"organism":"PageHeader","color":"inherited","model":{"title":"What type of car insurance should I buy?","text":"\u003Cp\u003EWhat insurance do you need for your car? Read on.\u003C/p\u003E\r\n\r\n\r\n","image":{"src":"https://www.shell.com.au/shell-fuels/go-well-content-hub/what-type-of-car-insurance-should-i-buy/_jcr_content/root/main/section/page_header.shellimg.jpeg/1698076074783/what-type-of-car-insurance-should-i-buy-banner.jpeg","alt":"Man talking on mobile phone","width":5124,"height":1280},"date":"2023-05-11T10:16:00.000Z"},"id":"/content/shell/countries/australia/en_au/shell-fuels/go-well-content-hub/what-type-of-car-insurance-should-i-buy/jcr_content/root/main/section/page_header"},{"organism":"Container","children":[{"organism":"Author.Info","id":"/content/shell/countries/australia/en_au/shell-fuels/go-well-content-hub/what-type-of-car-insurance-should-i-buy/jcr_content/root/main/section/simple/author","model":{"links":[{"name":"By Shell on May 11, 2023"}],"image":{"src":"https://www.shell.com.au/shell-fuels/go-well-content-hub/what-type-of-car-insurance-should-i-buy/_jcr_content/root/main/section/simple/author.shellimg.png/1698074930796/shell-pecten.png","alt":"Shell Pecten","width":2500,"height":1405}}},{"organism":"PromoSimple.Text","color":"inherited","id":"/content/shell/countries/australia/en_au/shell-fuels/go-well-content-hub/what-type-of-car-insurance-should-i-buy/jcr_content/root/main/section/simple/text","model":{"text":"\u003Cp\u003ENot quite sure what the difference is between comprehensive insurance and third-party insurance? Our tips will help you understand and choose the car insurance that is right for your car and your circumstances.\u003C/p\u003E\r\n\u003Cp\u003ECar insurance is important. No one likes paying for it – and if you’re lucky, you’ll never need to make a claim. But without it, you could find yourself in a serious pickle.\u003C/p\u003E\r\n\u003Cp\u003EEven if you’re driving around a bomb with a state-of-the-art 1980’s cassette stereo that’s worth more than the car, all it takes is one prang with someone else’s brand-new Maserati, and you are in for a world of financial pain. Unless you have insurance.\u003C/p\u003E\r\n\u003Cp\u003ESo what type of insurance should you get?\u003C/p\u003E\r\n"}},{"organism":"PromoSimple.Text","color":"inherited","id":"/content/shell/countries/australia/en_au/shell-fuels/go-well-content-hub/what-type-of-car-insurance-should-i-buy/jcr_content/root/main/section/simple/text_1889385816","model":{"title":"What types of car insurance are there?","text":"\u003Cp\u003EThere are four main types of car insurance:\u003C/p\u003E\r\n\u003Col\u003E\r\n\u003Cli\u003EComprehensive\u003C/li\u003E\r\n\u003Cli\u003EThird-party\u003C/li\u003E\r\n\u003Cli\u003EThird-party, fire and theft\u003C/li\u003E\r\n\u003Cli\u003ECompulsory third-party\u003C/li\u003E\r\n\u003C/ol\u003E\r\n"}},{"organism":"PromoSimple.Text","color":"inherited","id":"/content/shell/countries/australia/en_au/shell-fuels/go-well-content-hub/what-type-of-car-insurance-should-i-buy/jcr_content/root/main/section/simple/text_617496888","model":{"title":"What does comprehensive car insurance cover?","text":"\u003Cp\u003EComprehensive car insurance is the full package. It covers the repair or replacement of your car in the case of theft, collision, fire, malicious damage, weather damage and more. It also covers damage that your vehicle causes to other people’s cars or property.\u003C/p\u003E\r\n"}},{"organism":"PromoSimple.Text","color":"inherited","id":"/content/shell/countries/australia/en_au/shell-fuels/go-well-content-hub/what-type-of-car-insurance-should-i-buy/jcr_content/root/main/section/simple/text_215010254","model":{"title":"What does third-party car insurance cover?","text":"\u003Cp\u003EThird-party insurance (sometimes called third-party only insurance) covers damage to other vehicles or property. It generally doesn’t cover any damage to your car (though some insurers cover a limited amount of damage to your vehicle if you are in an accident caused by an uninsured driver).\u003C/p\u003E\r\n"}},{"organism":"PromoSimple.Text","color":"inherited","id":"/content/shell/countries/australia/en_au/shell-fuels/go-well-content-hub/what-type-of-car-insurance-should-i-buy/jcr_content/root/main/section/simple/text_1268797468","model":{"title":"What does third-party, fire and theft insurance cover?","text":"\u003Cp\u003EThis is just like third-party only insurance, except that it also covers damage to your car if it’s stolen or damaged by fire.\u003C/p\u003E\r\n"}},{"organism":"PromoSimple.Text","color":"inherited","id":"/content/shell/countries/australia/en_au/shell-fuels/go-well-content-hub/what-type-of-car-insurance-should-i-buy/jcr_content/root/main/section/simple/text_739795636","model":{"title":"What does compulsory third-party car insurance cover?","text":"\u003Cp\u003EAlso known as a green slip, compulsory third-party (CTP) insurance covers compensation costs if you injure or hurt someone in an accident. Having a green slip is mandatory. In New South Wales you pay for it separately when you register your vehicle. In other states and territories it’s included in your registration.\u003C/p\u003E\r\n"}},{"organism":"PromoSimple.Text","color":"inherited","id":"/content/shell/countries/australia/en_au/shell-fuels/go-well-content-hub/what-type-of-car-insurance-should-i-buy/jcr_content/root/main/section/simple/text_1990361855","model":{"title":"What insurance do I need for my car?","text":"\u003Cp\u003EOf the three optional insurance policies – comprehensive, third-party, and third-party, fire and theft – which one is right for you?\u003C/p\u003E\r\n\u003Cp\u003EIf your car is in good condition and it would hurt to replace it using your own funds, you might choose a comprehensive policy.\u003C/p\u003E\r\n\u003Cp\u003EIf your car isn’t worth much, you might go for the cheapest option: third-party insurance. However, if you think it’s at risk of theft (for example, if you regularly park on the street) you might consider upgrading that to third-party, fire and theft.\u003C/p\u003E\r\n"}},{"organism":"PromoSimple.Text","color":"inherited","id":"/content/shell/countries/australia/en_au/shell-fuels/go-well-content-hub/what-type-of-car-insurance-should-i-buy/jcr_content/root/main/section/simple/text_1197509064","model":{"title":"5 questions to ask yourself when comparing car insurance prices","text":"\u003Ch4\u003E1. What does the car insurance policy cover?\u003C/h4\u003E\r\n\u003Cp\u003EDon’t just go for the cheapest policy. When you’re comparing policies, look at what they cover and what they exclude. Policies might include (or offer as optional extras) anything from personal effects cover to windshield damage, and from car hire to a taxi ride home after an accident. If you really want to understand what you’re signing up for, read the policy’s product disclosure statement. And don’t be afraid to get on the phone and ask questions.\u003C/p\u003E\r\n\u003Ch4\u003E2. Does the car insurance cover flood damage?\u003C/h4\u003E\r\n\u003Cp\u003EMost comprehensive policies do cover flood and storm damage, though your insurer may not accept your claim if you’ve done something considered reckless, such as driving through flood waters.\u003C/p\u003E\r\n\u003Ch4\u003E3. Does the car insurance cover engine failure?\u003C/h4\u003E\r\n\u003Cp\u003EIf your engine is damaged in an accident, by vandalism, or by water or fire, then yes, it’s possible your insurance policy will cover it.\u003C/p\u003E\r\n\u003Cp\u003EHowever, if your engine has a mechanical failure, forget about it. This sort of thing is covered under warranties, rather than insurance.\u003C/p\u003E\r\n\u003Ch4\u003E4. How is my car valued?\u003C/h4\u003E\r\n\u003Cp\u003EA policy will insure your car for either its market value or agreed value. With market value, in the case of a claim in which your car has been written off or stolen, your insurer will determine what your vehicle would have been worth on the open market at the time of the accident, taking into account its age, condition and so on.\u003C/p\u003E\r\n\u003Cp\u003EWith agreed value, the insurer and owner agree on the value of the vehicle when the policy is taken out. This figure is usually higher than market value, and, as a result, you will need to pay higher premiums.\u003C/p\u003E\r\n\u003Ch4\u003E5. How can I make my car insurance cheaper?\u003C/h4\u003E\r\n\u003Cp\u003EShop around. But be aware that if you’re using comparison sites, they may not offer the full range of insurers to choose from; just the ones that pay them a commission.\u003C/p\u003E\r\n\u003Cp\u003EOne of the easiest ways to reduce your premiums is to increase your excess (the amount you need to pay in the event of a claim). Play around with this, and see how increasing your excess reduces your premiums (and vice versa).\u003C/p\u003E\r\n\u003Cp\u003EYou can also save money by having multiple policies with the same insurer. And you might also be able to save by parking off-street, installing security devices in your car and completing a defensive driving course.\u003C/p\u003E\r\n"}},{"organism":"PageTags","model":{"tags":[{"name":"Vehicles","value":"https://www.shell.com.au/tag-search.html?tag=vehicles%3A"},{"name":"Save well","value":"https://www.shell.com.au/tag-search.html?tag=shell%3Abusiness%2Fbusiness-customers%2Fsave-well"}]},"id":"/content/shell/countries/australia/en_au/shell-fuels/go-well-content-hub/what-type-of-car-insurance-should-i-buy/jcr_content/root/main/section/simple/page_tags"},{"organism":"PromoSimple.Text","color":"inherited","id":"/content/shell/countries/australia/en_au/shell-fuels/go-well-content-hub/what-type-of-car-insurance-should-i-buy/jcr_content/root/main/section/simple/text_410941061","model":{"text":"\u003Cp\u003E\u003Csup\u003EDisclaimer\u003C/sup\u003E\u003C/p\u003E\r\n\u003Cp\u003E\u003Csup\u003EViva Energy Australia Pty Ltd (“Viva Energy”) has compiled the above article for your general information and to use as a general reference. Whilst all reasonable care has been taken by Viva Energy in compiling this article, Viva Energy does not warrant or represent that the information in the article is free from errors or omissions or is suitable for your intended use.\u003C/sup\u003E\u003C/p\u003E\r\n"}}],"colspan":8,"id":"/content/shell/countries/australia/en_au/shell-fuels/go-well-content-hub/what-type-of-car-insurance-should-i-buy/jcr_content/root/main/section/simple","model":{}},{"organism":"Container","children":[{"organism":"PromoSimple.Text","color":"inherited","id":"/content/shell/countries/australia/en_au/shell-fuels/go-well-content-hub/what-type-of-car-insurance-should-i-buy/jcr_content/root/main/section/simple_1359312161/text","model":{"title":"You may also be interested in"}},{"organism":"Author.Info","id":"/content/shell/countries/australia/en_au/shell-fuels/go-well-content-hub/what-type-of-car-insurance-should-i-buy/jcr_content/root/main/section/simple_1359312161/author","model":{"text":"\u003Cp\u003EBy Shell on Feb. 16, 2023\u003C/p\u003E\r\n\r\n\r\n","links":[{"name":"Should you invest in a pre-purchase used-car inspection?","value":"https://www.shell.com.au/shell-fuels/go-well-content-hub/should-you-invest-in-a-pre-purchase-used-car-inspection.html"}],"image":{"src":"https://www.shell.com.au/shell-fuels/go-well-content-hub/what-type-of-car-insurance-should-i-buy/_jcr_content/root/main/section/simple_1359312161/author.shellimg.png/1698075958723/shell-pecten.png","alt":"Shell Pecten","width":2500,"height":1405}}},{"organism":"Author.Info","id":"/content/shell/countries/australia/en_au/shell-fuels/go-well-content-hub/what-type-of-car-insurance-should-i-buy/jcr_content/root/main/section/simple_1359312161/author_1178530296","model":{"text":"\u003Cp\u003EBy Shell on Feb. 29, 2020\u003C/p\u003E\r\n\r\n\r\n","links":[{"name":"My First Car - New Vs Used","value":"https://www.shell.com.au/shell-fuels/go-well-content-hub/my-first-car-new-vs-used.html"}],"image":{"src":"https://www.shell.com.au/shell-fuels/go-well-content-hub/what-type-of-car-insurance-should-i-buy/_jcr_content/root/main/section/simple_1359312161/author_1178530296.shellimg.png/1698075965302/shell-pecten.png","alt":"Shell Pecten","width":2500,"height":1405}}},{"organism":"Author.Info","id":"/content/shell/countries/australia/en_au/shell-fuels/go-well-content-hub/what-type-of-car-insurance-should-i-buy/jcr_content/root/main/section/simple_1359312161/author_1582682494","model":{"text":"\u003Cp\u003EBy Shell on May 17, 2022\u003C/p\u003E\r\n\r\n\r\n","links":[{"name":"What’s that sound – and could it be serious?","value":"https://www.shell.com.au/shell-fuels/go-well-content-hub/whats-that-sound-and-could-it-be-serious.html"}],"image":{"src":"https://www.shell.com.au/shell-fuels/go-well-content-hub/what-type-of-car-insurance-should-i-buy/_jcr_content/root/main/section/simple_1359312161/author_1582682494.shellimg.png/1698075971992/shell-pecten.png","alt":"Shell Pecten","width":2500,"height":1405}}}],"colspan":4,"id":"/content/shell/countries/australia/en_au/shell-fuels/go-well-content-hub/what-type-of-car-insurance-should-i-buy/jcr_content/root/main/section/simple_1359312161","model":{}},{"organism":"Container.XF","id":"/content/shell/countries/australia/en_au/shell-fuels/go-well-content-hub/what-type-of-car-insurance-should-i-buy/jcr_content/root/main/section/experience_fragment","model":{}}],"id":"/content/shell/countries/australia/en_au/shell-fuels/go-well-content-hub/what-type-of-car-insurance-should-i-buy/jcr_content/root/main/section","model":{}}],"id":"/content/shell/countries/australia/en_au/shell-fuels/go-well-content-hub/what-type-of-car-insurance-should-i-buy/jcr_content/root/main","model":{}},{"organism":"Container.Footer","children":[{"organism":"Breadcrumb.Large","model":{"links":[{"name":"Home","value":"https://www.shell.com.au/"},{"name":"Shell fuels","value":"https://www.shell.com.au/shell-fuels.html"},{"name":"Go Well Content Hub","value":"https://www.shell.com.au/shell-fuels/go-well-content-hub.html"},{"name":"What type of car insurance should I buy?","value":"https://www.shell.com.au/shell-fuels/go-well-content-hub/what-type-of-car-insurance-should-i-buy.html"}]},"id":"/content/shell/countries/australia/en_au/shell-fuels/go-well-content-hub/what-type-of-car-insurance-should-i-buy/jcr_content/root/footer/breadcrumb"},{"organism":"Container.Raw","ref":"https://www.shell.com.au/_jcr_content/root/footer/inherited.model.json","id":"/content/shell/countries/australia/en_au/shell-fuels/go-well-content-hub/what-type-of-car-insurance-should-i-buy/jcr_content/root/footer/inherited","model":{}}],"id":"/content/shell/countries/australia/en_au/shell-fuels/go-well-content-hub/what-type-of-car-insurance-should-i-buy/jcr_content/root/footer","model":{}}],"id":"/conf/shell/settings/wcm/templates/base/structure/jcr_content/root","model":{}}],"model":{"title":"What type of car insurance should I buy?","text":"Don’t know your comprehensive from your third-party? Our tips will help you understand and choose your car insurance.","date":"2023-05-11T10:16:00.000Z","links":[{"name":"canonical","value":"https://www.shell.com.au/shell-fuels/go-well-content-hub/what-type-of-car-insurance-should-i-buy.html"},{"name":"errorUrl","value":"https://www.shell.com.au/error.html"},{"name":"hierarchy","value":"en_au/shell-fuels/go-well-content-hub/what-type-of-car-insurance-should-i-buy"},{"name":"homeTitle","value":"Shell Australia"},{"name":"homeUrl","value":"https://www.shell.com.au/"},{"name":"locale","value":"en-AU"},{"name":"title","value":"What type of car insurance should I buy? | Shell Australia"},{"name":"textDirection","value":"ltr"},{"name":"template","value":"base"},{"name":"contentPath","value":"/content/shell/countries/australia/en_au/shell-fuels/go-well-content-hub/what-type-of-car-insurance-should-i-buy"},{"name":"externalDisclaimerText","value":"Shell plc Legal Disclaimer\r\nYou are now leaving the Shell website.\r\nThe link you have selected will direct you to a website that is not controlled by Shell plc or any member of the Shell Group. Accordingly, neither Shell plc nor any member of the Shell Group endorses, adopts, certifies or otherwise validates the information and material contained on the linked website. 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