4.5/5 - (2 votes)

Car Insurance

Your car insurance shields you against the expense of losses brought on by unanticipated circumstances such as theft, weather changes, and car accidents. The cost of these damages to your automobile and any property you could harm with it are both covered by your car insurance policy.

If something goes wrong on the road, having car insurance may give you piece of mind knowing there is a safety net in place for your finances.

Start With a Free Custom Quote

Experience brokers at Truck Insurance HQ will help you to find the right insurance coverage with the most affordable price

Types of car insurance are available in Australia

car insurance ctp

CTP Insurance

  • Anyone you badly hurt or kill while driving receives compensation under mandatory third party or green slip plans.
  • You have a variety of CTP insurance options, but only if you reside in QLD, NSW, SA, or ACT (other states and territories have one choice provided through the government).
  • Australia mandates the purchase of CTP insurance.

Third Party Fire & Theft 

  • The same level of coverage as TPPD but it also includes coverage for theft-related damage and replacement expenses.
  • Will not cover any auto repairs if you cause an accident and are at fault.
car insurance policy

Third Party Property Damage (TPDD)

  • TPPD does not pay for your own vehicle’s repairs if you are at fault but does cover repair expenses for another person’s vehicles and property that you damage in an accident.
  • You need TPPD coverage if you don’t want to be responsible for another person’s vehicle’s repair or replacement expenses while you’re at fault.

Comprehensive Car Insurance

  • Regardless of who was at blame, covers the expenses of repair and replacement for your car and those of others in an accident.
  • Storm, hail, fire, and theft damage are all covered by comprehensive auto insurance. A
  • The greatest approach to safeguard yourself if you’re concerned about high repair or replacement expenses from accidents to hail.

Car Insurance Explained with Truck Insurance HQ Expert

Please take watch this short video to have a overview of Car Insurance provided by Truck Insurance HQ

Compare Car Insurance Quotes with Truck Insurance HQ

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Get A Quote

Either phone us on 1300-815-344 for a fast quote & to talk to a broker or complete our online form.

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We Do The Legwork

Our insurance brokers work with 170+ providers to obtain the best quote.

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Get The Best Insurance Quote

We compare quotes from 170 reputation insurance companies & deliver you the best policy at the best price.

Other Insurances

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Truck Insurance

Protect all your type of commercial trucks with affordable insurance packages when things do not go to plan.

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Excavator Insurance

Put your equipment safety and reduce a significant financial loss to your business.

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Motor Fleet Insurance

A specific policy developed for Australian heavy motor vehicle fleets to keep you on the move.

Why Choose Us?


Australia wide coverage

No matter where the roads and landscapes of Australia take you, assistance is only a phone call away. Anyplace in Australia, at any time. Either phone us at 1300-815-344 for a fast quote & to talk to our experienced brokers or complete our online form.

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Insurance Experts

Our experienced brokers can help you choose the right insurance package. We adhere to tight rules and consistently provide the best service. 

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We’re Always Here To Help

Aid is available if you get into trouble. 365 days a year, our customer support team is available. We have your back in every circumstance.

Our Customers

Based on 30 reviews
Zac Sijacic
Zac Sijacic
These guys are really true professionals in the insurance field. Don't bother wasting your time with other brokers. Highly recommended. Thanks Adam and Samantha for your expertise and many years of excellent service.
A Hudson
A Hudson
Adam from Truck Insurance HQ was the best. Friendly, knowledgeable and followed up with everything he said he would do. I had spoken to other brokers before ringing these buys and their service and experience could not be compared to Truck Insurance HQ - with all honesty. Highly recommended.
Sheik Imtiaz
Sheik Imtiaz
wonderful people to deal with, always willing to work with you. have deal with Mary and Adam. experience within their field is awesome. AAA+
quynh dao
quynh dao
Mr. Adam and his team are the best i've dealt with. Giving lots of advice for my insurance and always available when I need help. Highly recommend !!!
Na Lee
Na Lee
Insurance HQ is the best team ever! fast service and helpful people. They helped me find good insurance for my truck with super good price. They provide prompt support whenever I need it. Will recommend to my friends and relatives. Love you guys!
Thiên Doãn
Thiên Doãn
If you want to find a good broker it should be Truck Insurance HQ. You should get a quote with them, without losing anything but they will help you to compare the price between many reputation companies and then save you hundreds of dollar like me. Appreciate that!
Mỹ Ngân Lục
Mỹ Ngân Lục
So glad to go with truck insurance hq, they are really helpful and patient to explain the coverage for me. Compare the prices among many insurance companies, find me one and save me hundreds of dollar
Mỹ Ngân Lục
Mỹ Ngân Lục
Their blogs are great since they educate me a lot about insurance coverage. The staff also helps me to find the most appropriate coverage from leading insurance companies in Australia. Definitely will come back
Mỹ Ngân Lục
Mỹ Ngân Lục
Informative content, their blogs help me out to understand more about truck insurance coverage. And they did find me one with the right coverage and save me $400
Ross Johnstone
Ross Johnstone
Adam and the team are fantastic to deal with and are very competitive. Good work guys Regards Ross

Frequently Asked Questions

How much is car insurance

Your insurance premium, or cost, is mostly determined by the type of coverage you have (such as Comprehensive, Third Party Property Damage, or Third Party Fire and Theft), as well as how risky and credible you are to insure. Your car insurance prices depend on a number of factors, including those listed below, which are dependent on this risk:

  • How old are you?
  • the location where you leave your automobile overnight
  • How long have you been using your vehicle?
  • How many kilometers you typically travel each year?
  • Any vehicle alterations or dealership extras
  • Who else drives the vehicle?
  • Your claims history and driving record – This is very important
What isn't covered by car insurance?

All of the various vehicle insurance plans have a few exclusions in common. including:

  • Illegal activities when driving such as: drunk, …
  • driving unauthorized
  • driving a car that isn’t registered
  • Providing false or incomplete information to your insurance
  • The automobile isn’t fit for the road.

cramming the vehicle with too many people
general deterioration
driving in a race or other motorsport competition
unsafe or careless driving

Difference between types of car insurance above?
What is and isn’t covered?Third Party Property DamageThird Party Fire and TheftComprehensiveCTP/Green Slip
Damage caused by collision to your own vehicle
Loss or damage caused by you to a third party’s vehicle/property (legal liability)
Loss or damage to your own vehicle caused by weather (storm, flood, hail)
Loss or damage to your vehicle caused by theft
Hire car after theft
New car replacement
Loss or damage to your vehicle caused by fire
Loss or damage of personal possessions/effects
Damage to your vehicle caused by an uninsured driver
Emergency transport and/or accommodation
Key replacement
Death benefit
Legal liability for injuries or death to other people
Variable excess
Restricted driver discount
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