Private Motor Insurance is designed primarily for cars used for personal or domestic purposes.

Different levels of cover are available depending on how much protection the owner wants.

What types of cover are available? #

Common options can include:

• Comprehensive Car Insurance.
• Third Party Property Damage Insurance.
• Other limited cover depending on the insurer.

The terminology and features vary between insurers.

What does Comprehensive Insurance do? #

Comprehensive Insurance can cover certain:

• Accidental damage to your vehicle.
• Theft.
• Fire.
• Weather-related damage.
• Damage you cause to another person’s vehicle or property.

The policy remains subject to its terms, exclusions and excesses.

What does Third Party Property Damage cover? #

Third Party Property Damage primarily covers certain legal liability for damage caused by the insured vehicle to another person’s vehicle or property.

It generally does not cover accidental damage to your own vehicle.

Is Private Motor Insurance the same as CTP Insurance? #

No.

Compulsory Third Party Insurance relates to bodily injury caused to people in motor vehicle accidents and operates under the relevant state or territory scheme.

Private Motor Insurance deals with the vehicle and property damage exposures.

One does not replace the other.

What if the vehicle is used for business? #

The insurer needs to understand the actual vehicle use.

Some limited business use can be accepted under certain Private Motor policies, while other vehicles should be insured under Commercial Motor Insurance.