Are you looking for insurance coverage for an unregistered car? While it's important to note that most insurance providers require vehicles to be registered, there may be specific options available for unregistered car insurance in Australia.
You can find out more about car insurance for unregistered vehicles and whether you may be able to take it out right here with Savvy. Learn about some of the situations where you may be able to cover an unregistered vehicle today.
In Australia, it generally isn’t possible to obtain traditional comprehensive or third party car insurance coverage for an unregistered vehicle. Most insurance providers require vehicles to be registered and roadworthy to qualify for coverage. Registration serves as proof that the vehicle meets certain safety and legal requirements, such as having a valid licence plate, roadworthy certificate and compulsory third party (CTP) insurance.
This means that if you’re involved in an accident on the road while your vehicle is unregistered, you won’t be covered. This is because the damage took place in a scenario where you broke the law (driving an unregistered vehicle), therefore voiding any coverage you may have had.
However, there may be specific car insurance options available for unregistered cars in certain circumstances. These typically provide limited coverage and are designed to protect the vehicle against specific risks while it isn’t on the road. It's important to note that the availability and terms of such insurance can vary between insurers.
You may be able to insure your vehicle if it’s being stored and not used on the road. This is known as laid-up cover or storage insurance. This type of insurance is intended for vehicles which aren’t in use and are kept off the road, such as classic cars, project cars or vehicles undergoing restoration. Laid-up cover can provide protection against risks like fire, theft, vandalism and accidental damage while the vehicle is stored or undergoing repairs.
Another possible option for this type of vehicle is transit or transport insurance, which covers the vehicle during transportation from one location to another. This type of insurance is commonly used when moving an unregistered vehicle from one place to another, such as when transporting it to a workshop or a new owner. Alternatively, if you have a luxury vehicle which you take to different shows, transport insurance may come in handy to cover you against damage sustained in transit.
It’s important to note that these policies are generally only offered by specialist car insurance companies, rather than standard insurers, so it’s worthwhile taking the time to compare your options and seek out insurers who may provide the coverage you need for your car.
The specific process of registering your vehicle may vary slightly depending on which state or territory you live in. However, the general process is likely to be as follows:
You may also be required to obtain a roadworthy certificate for your vehicle in certain circumstances, such as if it’s previously been written off, defected or modified, in order to obtain vehicle registration.
It’s important to visit the official website of your state or territory's transport department or contact them directly for detailed and up-to-date information on vehicle registration.
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