fully comprehensive insurance

Fully comprehensive insurance in Australia is the crème de la crème of car coverage, protecting your vehicle against almost everything except acts of God and your own stupidity. It covers damage to your own car, third-party property, theft, fire, and sometimes even roadside assistance. Expect to pay anywhere from $1,200 to $2,000 AUD annually for a modest car, with premiums climbing for flashier or riskier rides. Used cars can sometimes snag cheaper deals, but watch out for exclusions and the usual fine print.

Common issues with comprehensive policies include:

• Excess fees that can make small claims a nightmare
• Exclusions for certain damage types or driver behaviours
• Premium hikes after claims or traffic offences

For quotes and comparisons, try ServiceCentral or Tradingpost to squeeze the best deal out of them.