Car Insurance
Get the right level of protection for your vehicle with competitive car insurance options. We can help you find comprehensive, third party, or third party fire and theft cover through our insurance partners.
Compare options and find the right coverage for you.
Understanding Car Insurance
Car insurance protects you financially if your vehicle is damaged, stolen, or if you cause damage to someone else's property. While CTP insurance (included in your registration) covers injuries to other people, it does not cover vehicle or property damage - that's where car insurance comes in.
Choosing the right level of cover depends on your vehicle value, whether you have finance, and your personal circumstances. We can help you understand your options and find insurance that provides the protection you need at a competitive price.
At Your Lending Friend, we work with insurance partners to help you access car insurance options. Whether you're buying a new vehicle or need to renew your existing policy, we can assist.
Types of Car Insurance
Choose the level of cover that suits your needs
Comprehensive
The highest level of protection for your vehicle. Covers damage to your car from accidents, theft, fire, storms, vandalism, and more - plus third party liability.
Best for: Recommended for newer vehicles, financed vehicles, and those wanting complete protection.
Third Party Fire & Theft
A middle-ground option that covers damage you cause to other vehicles and property, plus protection if your car is stolen or damaged by fire.
Best for: Suitable for older vehicles where comprehensive premiums may not be cost-effective.
Third Party Property
The minimum recommended insurance covering damage you cause to other people's vehicles and property. Does not cover your own vehicle.
Best for: A basic option for older, low-value vehicles where you can afford to self-insure.
Benefits of Getting Insurance Through a Broker
Why work with us for your car insurance?
Multiple Options
Access to multiple insurers means you can compare options and find the best value for your situation.
Expert Guidance
We help you understand the different cover levels and what suits your vehicle, budget, and risk profile.
Claims Support
When you need to make a claim, your broker can help guide you through the process and advocate on your behalf.
Time Savings
Instead of getting quotes from multiple insurers yourself, we can source options and present them to you.
How We Help With Car Insurance
A simple process to get you covered
Tell Us About Your Vehicle
Share your vehicle details, driving history, and coverage preferences. We need to understand your situation to find the right options.
We Source Options
We work with our insurance partners to source competitive quotes based on your requirements and profile.
Compare & Choose
We present your options with clear explanations of coverage, premiums, and excess. You choose what works best for you.
Get Covered
Once you have chosen your policy, we help arrange the coverage. You receive your certificate of insurance and can drive with confidence.
Checking your options won't affect your credit score
Insurance for Financed Vehicles
If you are financing a vehicle through us, we can help you arrange appropriate insurance at the same time. Most lenders require comprehensive insurance for financed vehicles, and we can ensure your policy meets their requirements.
Complete Vehicle Protection
Combine car insurance with other protection products for complete peace of mind. We can help you understand your options and find the right coverage.
Car Insurance FAQs
Common questions about vehicle insurance
The type of insurance you need depends on your vehicle value, finance requirements, and risk tolerance. If you have a car loan, your lender will typically require comprehensive insurance. For older vehicles, third party fire and theft may be sufficient. At minimum, third party property insurance is recommended to protect you from liability if you cause an accident.
Compulsory Third Party (CTP) insurance is mandatory and is i...
Compulsory Third Party (CTP) insurance is mandatory and is included in your vehicle registration. This covers injuries to other people in an accident. However, CTP does not cover damage to vehicles or property - that requires separate car insurance, which is optional but highly recommended.
Several factors affect your premium including your vehicle t...
Several factors affect your premium including your vehicle type, age and value, where you live and park, your age and driving experience, claims history, excess amount chosen, and the level of coverage. Younger drivers and those in high-risk areas typically pay more.
An excess is the amount you pay towards a claim before the i...
An excess is the amount you pay towards a claim before the insurer covers the rest. A higher excess usually means a lower premium, but you need to ensure you can afford to pay it if you need to claim. Some policies have multiple excess types (basic, age, and imposed excess).
Yes, lenders typically require comprehensive insurance for f...
Yes, lenders typically require comprehensive insurance for financed vehicles. This protects both you and the lender's interest in the vehicle. The policy usually needs to note the lender's interest, and cover must be maintained for the duration of your loan.
An agreed value policy pays a set amount if your car is writ...
An agreed value policy pays a set amount if your car is written off, determined when you take out the policy. A market value policy pays what your car is worth at the time of the claim, which depreciates over time. Agreed value provides certainty but may have higher premiums.
Yes, but you must declare all modifications to your insurer....
Yes, but you must declare all modifications to your insurer. Non-standard modifications can affect your premium and coverage. Undeclared modifications may result in reduced claim payments or policy cancellation.
Contact your insurer directly to make a claim. You will need...
Contact your insurer directly to make a claim. You will need to provide details of the incident, a police report if applicable, photos of damage, and any witness information. Your insurer will guide you through their claims process and assess your claim.
Still have questions? Contact our friendly team
Get a Car Insurance Quote
Contact us to discuss your car insurance needs and find the right coverage.