Did you know that you could use RACQ road side assistance service every day and it’ll still cost the same price? This guys are real champs and actually can save people $100′s of dollars but not needing car repairs from a motor mechanic. RACQ guys know every trick in the book to keep your car running so even if you don’t insure your car with them, at least get their road support for only peanuts.

RACQ is a long established Queensland car insurance company and offer a large range of insurance products. Below are two of their auto insurance products.

Please note, the production descriptions below comes from the RACQ website and is not the opinion of Captain Compare.

Car Insurance – Third Party Liability and Fire & Theft
Third Party Liability Insurance is the essential cover designed to cover you against the cost of damage to another person’s property or death or bodily injury to another person if you arn’t breaking the law at the time of course.

If you also take out the Fire and Theft option, you are also covered for towing, storage and damage to your vehicle if it was caused by fire resulting from an accident, or theft of your vehicle or car. You are also covered for up to five thousand dollars damage to your vehicle in the right situations.

Car Insurance – Comprehensive
Comprehensive Motor Insurance covers you for the cost of accidental damage to or theft of your vehicle, towing etc. This policy will also cover you for all the amounts you are legally liable to pay someone in compensation for death or bodily injury or damage to their vehicle or property, resulting from an accident involving your vehicle, even if you cause it! This is up to a limit of $20,000,000 including all legal costs if required. Of course, this again is if you don’t break the law. eg(speeding)

With NRMA Insurance, it’s possible to get their No Claim Discount of 65% straight away when you switch your Comprehensive Car Insurance over to them. Better still, it’s protected for life. Now you don’t have to wait to get what you want.

To see if you qualify, call them on 132 132. Other features you receive with NRMA Comprehensive Car Insurance.

They also offer Third party, fire and theft and Third party property damage if you happen to also own a home!

If your car is not registered in Victoria, an insurance professional would recommend you check out the other car hire companies, some of which are listed on our site.

Have you used RACV?

PLEASE SHARE, and we’ll tell the world about it.

Here you will find the list of companies that sell car insurance in Perth such as Budget Direct, AAMI and NRMA.

You can be an RACQ member for road side assitance and you’ll be able to pay your fees all at once.

If only we could insure our cars for uncleanliness now that Brisbane is in sever drought. Brisbane isn’t even allowed to wash their cars at the moment.

Is your car out of action at the moment? Whilst your auto insurance is being used to fix your car, you may not have gotten a free car rental. In brisbane, you can try googleing Vroom in Brisbane for a cheap car rental.

For Sydney and other cities NSW, Suncorp, NRMA are two examples of companies who provide insurance there.

• NRMA – New South Wales, Sydney
  
• RACV – Victoria
  
• RACQ – Queensland
  
• FAI – No longer exists – bought by Allianz
  
• Allianz – Usually more commercial insurance, otherwise, All states
• Suncorp – Coming soon
• Budget Direct – Recently won ‘Australia’s Best Car Insurance award 2007 from by Money Magazine

Unfortunately, Melbourne also has its share of reckless car fanatics whome aren’t exactly safe on the roads. Make sure you purchase the proper auto insurance so that you are covered when they cause an accident.

For those of you who missed it, here is the highlights from this years Melbourne Motor Show.

Before buying your car insurance, here are some useful things you need to know.

• Excess or Deductible: These terms mean the same thing – that you accept part of the risk yourself. Practically speaking, this means that in event of a claim, you pay a certain amount. However if the accident was not your fault, the insurer may waive your contribution or return it to you. Some insurers make the excess compulsory, while others allow policyholders to use it to reduce their annual premiums.
• No Claim Bonus: A feature of comprehensive policies, this means you are rewarded on an ascending scale for each successive year without a claim. If you do claim, your bonus is reduced, although if the accident is not your fault, certain insurers will leave your bonus intact. Once you’ve reached the highest scale, some insurers allow you to “protect” your bonus by paying an extra premium, so you’re not penalised for just one claim.
• Extended Third Party Property Damage: This covers you in the event of an accident that’s not your fault where the person who caused the accident has no insurance. It’s not offered by all insurers and it usually has a limit of a few thousand dollars.
• Market Value or Agreed Market Value: Most policies provide settlement for a total loss claim (if the car is stolen or irredeemably damaged) on a “market value” basis. This means you are entitled to an amount representing the cost of a vehicle of similar make, model, age and condition. Or, if the vehicle is less than one year old, many insurers will replace it with a new vehicle of the same make and model you lost. An Agreed Market Value cover is especially useful for classic or vintage cars – where the insurer agrees to pay a specified amount in the event of a total loss.
• Premium Rating: The premium, or cost of the insurance, is based on such factors as type of vehicle, age of the driver, driving experience, occupation, location and intended use of the vehicle. Modifications to a vehicle must be disclosed, otherwise future claims may be refused.
• Making a claim: In an accident you should do two things. Firstly, ensure you comply with all legal requirements (e.g. notify the police, exchange details with the other driver, etc). Secondly, notify your insurance broker as soon as possible, preferably within 24 hours. He or she will then advise you on the steps you need to take to make a claim.