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This article is from the soc.culture.australian FAQ, by Stephen Wales
with numerous contributions by others.
4.3.1 Car Insurance
[JC] Be aware that insurance history is *personal* rather than per
policy in Australia. I had trouble with getting my Australian No Claim
bonus accepted in UK because I wanted to maintain the insurance policy
on my Australian car. A year ago when I wanted to start a policy on a
second car in Australia, my no claim bonus was accepted automatically.
I suggest you get a statement from your UK insurer stating not only
the level of no claim bonus but also the period for which you have had
no claims, since the period that it takes to get to 60% varies.
Many Australian insurers will record but not penalise you for you 'no
fault' claims i.e. where you claim through your insurer to get repairs
done quickly and then the insurer recovers the cost of the repairs
through the insurer of the other party. E.g. Someone backed into me
while I was stationary. I claimed through my insurer who recover the
money from the other party. My 'no claim' history was preserved.
Car insurance is somewhat differently organised between UK and
Australia. (All?) States require you to obtain 'Compulsory Third
Party' (CTP) before registration, but this is only Third Party Injury
insurance. You can then take out a separate Third Party Property
policy (a 'bomb' policy for your car (UK: banger) which is not worth
insuring), or Comprehensive Insurance. I have never heard of Third Part
Fire and Theft in Australia.
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travel, vacation, australia, visa, immigration, live, rent, standard, car, study, money, weather
