There are 3 main ways you can get cheaper car insurance cover as a P-plater. First, adding yourself as an additional driver to your parents' car (as long as they're still the main driver) can lower costs. If that's not an option, a third party policy could be good if you don't own an expensive car. Otherwise, think about getting cheap comprehensive cover.
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"When I was a p plater, the only insurance I was able to get was NRMA. No one else would cover me. It was actually a real pain in the bum, because the NRMA was charging an extra couple of hundred dollars a year for the same cover. I was pretty poor at the time, so the only way I could save was to take out third party property rather than comprehensive cover."
Not sure which cover type to go for? Here's the lowdown on each cover type to help you make a decision.
Comprehensive Cover: If you want top cover, this is the option for you. It covers theft, vandalism, storms, flood, hail, fire, key replacement, emergency accommodation, hire cars, accidental damage (to name a few), plus everything covered by cheaper policies.
Best for: P-platers who want peace of mind knowing they have the highest cover available.
Third Party Fire and Theft Cover: As the name suggests, this cover type ensures you are protected if your car is stolen. It also covers you for fire damage and if your car causes damage to someone else's property.
Best for: P-platers who need a bit more cover without the pricetag.
Third Party Property Damage Cover: It's the most basic policy, providing cover for any damage you may cause to someone else's vehicle or property. However, it won't cover the expense of repairing damage your vehicle incurs as a result.
Best for: Those P-platers with cheaper cars or who are on a really strict budget.
Compulsory third party (CTP): Commonly known as greenslip insurance, CTP is mandatory for every driver in Australia. In many states, it's included in your car rego so you don't need to worry too much. It offers protection to the driver who is at fault for a motor vehicle accident which led to another person being injured.
Best for: Everyone – it's mandatory!
If you would struggle to pay for repairs to your own car, or your parents if you’re using theirs, then comprehensive car insurance is probably your best bet as a P-plater. It will cost more than a third party policy initially but once you’ve held cover for a while, and you don’t need to claim, prices typically come down.
Gary Ross Hunter
Insurance editor
As a P-Plater, every birthday you become a little less risky to an insurer, because your experience on the road translates to a lower chance of having an accident. So, make sure you shop around every 12 months and compare policies to get the best possible deal.
Sarah Megginson
Managing Editor at Finder
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