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Covering 'accident-prone' Aussie drivers

Covering 'accident-prone' Aussie drivers

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Date Published : Tuesday, April 15, 2008

Accident prone government drivers in New South Wales claim on car insurance policies at least 26 times every day, according to a new study.

The research by the state government found that the NSW state was forced to claim more than $80 million every year on car insurance policies due to the mishaps of workers driving its cars.

Drive.com.au reported that the need to take out insurance policies was hit home with the fact that over 250 cars were written off of the government register in 2007 due to accidents.

The dangers of driving are well-known and, as a result, every state and territory has made it compulsory for drivers to have car insurance cover.

In South Australia, third part insurance from the State Government Insurance Corporation - more widely known as the SGIC - is included in the license registration fee.

Meanwhile, in Victoria, third party personal insurance is similarly included, via the Transport Accident Commission.

However, in all other states, car insurance is necessary and even in those states with government help, further cover may be needed.

The number and type of insurance premiums on offer differs from state to state. Aside from the standard third party insurance, drivers can be covered for a range of extras - including windscreen repair, hire cars or no claim discounts.

Cannex analyst Lauren Newlands said: "Extras cost more, so only select the extras you think you'll need. Otherwise, you could end up paying for a service that you'll never use.

"Some insurers allow you to remove certain extras from your policy in return for a reduced premium. Check with your insurer to see if they allow this."

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