Finding the best car insurance for drivers with a history of claims in Australia can be challenging. Insurers often perceive these drivers as higher risk, which can lead to increased premiums or limited coverage options. However, understanding the available options and what insurers look for can help you secure the best policy for your needs.
When searching for insurance, it's essential to compare different policies that cater specifically to high-risk drivers. Some companies specialize in providing coverage for those with previous claims, while others may offer tailored options to suit your individual circumstances.
Key Considerations for High-Risk Drivers
1. **Shop Around and Compare Rates**: One of the best strategies for finding affordable car insurance is to obtain quotes from multiple insurers. Websites that aggregate different policies can save you time and provide a comprehensive view of your options. Consider both large national insurers and smaller companies, as the latter may offer more flexible policies.
2. **Look for No-Claim Discounts**: Some insurers may allow you to earn back a no-claim discount after a certain period of safe driving. If you can maintain a clean driving record for a specified time, your premium may decrease significantly in subsequent years.
3. **Consider Higher Deductibles**: While a higher deductible can increase your out-of-pocket cost in case of a claim, it can lower your premium. For drivers with a history of claims, opting for a higher deductible can balance risk and savings.
4. **Understand Your Coverage Needs**: Assess the level of coverage you genuinely need. Full comprehensive coverage protects you against a wide range of incidents but can be more expensive. Consider third-party insurance if you believe it's sufficient for your vehicle and driving habits.
Best Insurance Companies for High-Risk Drivers
Several car insurance providers in Australia are known for catering to drivers with past claims:
1. **AAMI**: Known for its flexible coverage options, AAMI has good policies for those with a history of claims, offering both comprehensive and third-party insurance while providing discounts for responsible behavior.
2. **Noble Oak**: Noble Oak often presents competitive rates for drivers with a claims history. They focus on personalized service and might offer special rates for those who have shown improvement in their driving.
3. **InsureandGo**: While primarily known for travel insurance, InsureandGo offers car insurance that includes coverage for drivers with previous claims, focusing on providing value through tailored packages.
4. **Gio**: Another excellent option, GIO considers individual circumstances and has different tiers to accommodate high-risk drivers, including comprehensive and third-party property damage coverage.
5. **QBE**: QBE provides car insurance for high-risk drivers, featuring customizable policies that let you choose benefits that match your situation and need for coverage.
Tips for Improving Your Insurance Profile
Improving your driving record is crucial if you want to lower insurance costs in the future:
1. **Take a Defensive Driving Course**: Successfully completing a defensive driving course can sometimes earn you discounts on your insurance premiums and enhance your driving skills.
2. **Maintain a Clean Driving Record**: Limit unnecessary trips and practice safe driving habits. Reducing the likelihood of future claims will boost your insurance profile over time.
3. **Regular Vehicle Maintenance**: Ensuring your vehicle is well-maintained can decrease the risk of accidents caused by technical failures, thus improving your claims history.
Conclusion
Securing car insurance with a history of claims may take more time and research, but options exist. By comparing policies, being aware of what different insurers offer, and taking steps to improve your driving record, you can find the best coverage for your situation. Always read the fine print and ensure you understand the terms of your policy before making a final decision.
