Car Insurance for P-Platers

Compare instant car insurance quotes for P-platers, whether you’re looking for comprehensive or third party cover.

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, updated on February 15th, 2024       

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Getting the best car insurance for your needs as a P-plater in Australia is all about knowing where to look. Even if new drivers are perceived as a greater risk due to less experience on the road, it’s still crucial to compare a variety of offers before signing up to an insurance policy. 

By comparing online, you can quickly and easily weigh up policies, coverage options and prices to help you make an informed decision about which is the best possible policy for your needs. 

How much will my car insurance policy cost as a P-plater?

The cost of car insurance as a P-plater in Australia can vary depending on several factors. However, in general, you’ll face higher premiums due to your inexperience on the road compared to those with a full licence who have been driving for a long time.

Aside from your age and experience, some of the factors which can impact the cost of your policy include:

  • Type of vehicle: the make and model of your car can influence your premium, as some cars are more expensive to repair or replace or are more likely to be stolen.
  • Your driving record: a history of accidents, claims or traffic offences can increase your premium, as you’ll be seen as posing a greater risk of getting in an accident and claiming again.
  • Where you live: your postcode can affect your premium, as some areas have higher rates of accidents, theft or vandalism. Additionally, different states present different risk factors, such as Queensland compared to South Australia.
  • How you use your car: the more you drive, the higher the risk, which can increase your premium. If you catch the bus into work or university every day, your premiums may not be as high.
  • Excess: increasing your excess can lower your premium, but it means you'll pay more out of pocket if you make a claim.
  • Insurance type: as mentioned, comprehensive cover is typically more expensive than third party insurance, as it provides more protection for your car.
  • Special car insurance offers: some insurers may offer discounts to drivers who sign up during a certain window or those who go a long time without making a claim, so each of these may impact your policy’s price.

Can I be covered under my parents’ car insurance as a P-plater?

It’s possible for you to be covered under your parents’ car insurance policy as a P-plater, provided you’re listed as a driver on the policy. However, it's important to note that this only applies if you’re primarily driving the family car, rather than your own. Should you own a vehicle yourself, you’ll need to purchase insurance to cover it separate from your parents’ policy.

Being added to their policy may also result in an increase in their premiums due to the added risk of having a young and inexperienced driver on the policy, which is generally the case for drivers under 25. It's also worth checking with the insurance provider whether they have any specific rules or requirements for insuring P-platers on a policy, such as an age limit on children of the policyholder.

Types of car insurance you can choose from

How to compare car insurance policies for P-platers

Common questions about car insurance for P-platers

How can I reduce my car insurance premiums as a P-plater?

To reduce your car insurance premiums as a P-plater, you can consider the following:

  • Increasing your excess
  • Driving a less expensive car
  • Avoid excessive claims
  • Pay your premiums annually
  • Compare your options 
How do I make a claim on my car insurance?

To make a claim on your car insurance, you’ll need to contact your insurer as soon as possible and provide all the necessary information and documentation, such as the details of the accident, the names and contact information of any witnesses, photos of the incident and a police report if applicable. Your insurer will then assess your claim and determine if you're covered for the damage or loss.

If I’m a delivery driver, can I claim my car insurance premiums as a tax deduction?

Generally, if you use your car for work-related purposes, such as delivering food or other goods, you may be able to claim a portion of your insurance premiums as a tax deduction (equivalent to the amount used for business purposes compared to personal usage). However, it's best to consult a tax professional for advice if you’re unsure about what you can claim.

Will I be able to buy car insurance if I’m an L-plater?

You can buy car insurance as an L-plater in Australia. However, your options might be more limited and your premium may be higher due to your lack of driving experience, which is also the case for P-platers. If you’re still learning to drive in your parents’ car, you can typically be included under their policy.

What is compulsory third party car insurance?

Compulsory third party (CTP) insurance is a type of insurance which is mandatory for all registered vehicles in Australia and can provide cover for injury or death you cause to another person while driving your car. It can sometimes be built into the cost of your vehicle registration and is sold either through government-approved insurers or your state or territory government itself. CTP insurance doesn't cover damage to your own vehicle or other people's property.

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