Finding car insurance as a high-risk driver in Australia can be challenging, but several companies offer policies tailored to meet your needs. Whether you've had multiple traffic violations, accidents, or even have a history of claims, it's essential to explore options that suit your situation. Below, we discuss some of the best car insurance policies available for high-risk drivers in Australia, highlighting their features and benefits.
1. AAMI
AAMI is well-known for its competitive rates and reliable coverage, particularly for high-risk drivers. They offer a range of policies that can be tailored to provide coverage for various driving records. With their extensive customer support services, AAMI ensures that you are assisted throughout the claims process. Plus, they offer 24/7 roadside assistance and a range of additional benefits.
2. Allianz
Allianz provides comprehensive car insurance that is particularly beneficial for those deemed high-risk. Their policies can be customized to include features such as choice of repairer and flexible payment options. Additionally, Allianz is noted for its exceptional customer service and quick claim settlements, making it a reliable choice for high-risk drivers in Australia.
3. Budget Direct
Budget Direct is another viable option for high-risk drivers, offering competitive premiums and great coverage options. Their car insurance policies include features like high-level personal injury cover and roadside assistance. Plus, the online quote system makes it easy for you to compare prices and find a policy that suits your needs.
4. NRMA Insurance
NRMA Insurance offers policies that specifically cater to high-risk drivers, emphasizing safety and security. Their comprehensive coverage comes with various features, including coverage for uninsured drivers, emergency repairs, and even new car replacements. NRMA also provides excellent customer support, ensuring you feel secure throughout your policy term.
5. QBE Insurance
QBE Insurance is known for its flexible options and competitive rates for high-risk drivers. Their policies can be tailored based on individual circumstances, providing various types of coverage from third-party liability to comprehensive insurance. QBE also offers a unique feature - the ability to adjust cover limits according to your requirements.
6. Suncorp
Suncorp provides comprehensive car insurance policies, focusing on high-risk drivers. They offer features such as lifetime guarantee on repairs, flexible excess options, and 24/7 claims support. Moreover, Suncorp’s online tools allow drivers to manage their policies and make claims quickly and efficiently, ensuring peace of mind.
Tips for Getting the Best Insurance as a High-Risk Driver
While the aforementioned companies offer quality insurance for high-risk drivers, here are some tips to help you secure the best policy:
- Compare Quotes: Always compare quotes from various providers to find the most affordable and suitable option for your circumstances.
- Consider Usage-Based Insurance: Some insurers offer pay-as-you-drive policies that can save you money if you drive less frequently.
- Improve Your Driving Record: Taking proactive steps to improve your driving history can lead to lower premiums in the long term.
- Increase Your Deductible: Choosing a higher deductible can lower your premium, but make sure it’s an amount you can afford in case of an accident.
In conclusion, high-risk drivers in Australia do have options when it comes to car insurance. By exploring policies from AAMI, Allianz, Budget Direct, NRMA, QBE, and Suncorp, you can find comprehensive coverage tailored to your needs. Always remember to compare quotes and read the fine print before making a decision. With the right policy, you can drive confidently knowing you're well-protected on the road.
