Car insurance premiums are calculated based on the level of 'risk' that the underwriters associate with both you and your car. Simple factors that differentiate you and someone else will contribute to this assessment of 'risk'.

Risk is primarily affected by the make and model of your car, the age of the driver/s, the driver's history, as well as place of residence. For example, not all insurers treat each suburb the same. In addition where you park your car at night will often affect your premium.

Your driving history and the frequency of claims are also considered carefully.

We take pride in our underwriting being more comprehensive than most other car insurers, which often allows us to offer more competitive rates to Australian drivers.