Insuring your new car
Just picked up the keys to your new car?
There’s one last thing you may want to tick off before you hit the road — car insurance. If you’re buying a new car in South Australia, it’s important to consider insuring your car and knowing what cover you may need. Driving an uninsured car, even for a short trip, can be risky.
This guide helps you understand your cover options and when your insurance should start.
Did you know you can buy insurance before you take ownership of a car? When you buy online, just select a future start date for your policy.
When should my car insurance start from?
Driving your new car without comprehensive insurance is risky. One thing you could consider is insuring your car before you leave the dealership.
You can buy your insurance before you take ownership of the car. Simply select the policy start date as the day you plan to pick up the car. To get a quote, you'll just need to know a few details, like the car's model and its number plate.
You can get a quote and buy online 24/7 or call us on 8202 4567.
What type of insurance should I get for a new car?
Buying a new car is expensive, so many of our customers choose to have comprehensive car insurance. It covers your car for incidents like a crash, fire, storm and theft.* It also covers damage caused by your car to someone else's car or property.
We offer two levels of comprehensive car insurance. Our highest level is Premium Comprehensive. It includes increased cover like 5 year new vehicle replacement,¹ and unlimited $0 excess windscreen repair and replacement.²
What happens if my new car is written off?
Some insurers offer to replace your old car with a new car if it's written off within 2-3 years from first registration.
Our Premium Comprehensive Car Insurance offers new vehicle replacement if your new car is written off within 5 years of first registration. We also offer Standard Comprehensive Car Insurance which provides the same benefit if your vehicle is written off within 2 years of first registration.
We'll replace your car with the same model or a comparable one if unavailable. If we can’t replace it within 90 days, we’ll offer a cash settlement.
*All features and benefits are subject to limitations and exclusions. For full terms, conditions, limitations and exclusions, please refer to the relevant Product Disclosure Statements (PDS) and Target Market Determinations (TMD).
¹If you purchase your vehicle brand new and within 5 years of the original registration the vehicle is a total loss then it will be replaced by a brand new vehicle. We'll replace your car with the same model or a comparable one if unavailable. If we can’t replace it within 90 days, we’ll offer a cash settlement.
²Only applicable where the damage is unexpected and unintended. Does not apply to existing damage prior to the inception date of your policy. Repairs should not be undertaken without prior consent of RAA.
What else should I consider when insuring my new car?
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How easy is it to make a claim?
Making a claim with us is easy. You can claim online 24/7. You can also call 8202 4575 to speak to someone in South Australia.
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Can I choose my own repairer?
When you make a claim with us, we give you choice of repairer. Repairs mustn't be made without our prior consent, and we'll contact you to discuss your options if we don't recommend you to proceed with your chosen repairer.*
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What other benefits can my insurer provide?
When you buy car insurance from us, you become an RAA member.
As a member, you'll be able to access to RAA Rewards. Your savings could add up to hundreds of dollars per year at businesses all across SA. This includes supermarkets, restaurants, petrol stations, local attractions and more.
You'll also be eligible for member loyalty savings if you have at least 1 eligible insurance policy and 1 eligible Road Service product.³
³The more eligible products you have with RAA and the longer you’ve been with us, the more you could save. Discounts do not apply to optional covers or statutory charges. A minimum premium applies. Discounts to your existing insurance policies will be applied at the next renewal of each policy. Excludes Travel Insurance.
What additional cover is available?
Hire Car Cover
Covers the cost of a hire car following an incident, up to $90 per day for up to 21 days.
Also covers you when hiring a car within Australia. If the car's damaged or stolen, we'll pay the excess you owe the hire car company, up to $4,000. You'll just pay your RAA basic excess.
$0 excess windscreen replacement or repair
Premium Comprehensive contains unlimited $0 excess windscreen repairs or replacements.
For Standard Comprehensive, you can add cover for one $0 excess repair or replacement per policy term. You may have to pay the basic excess for any more claims.
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Discounted fuel for RAA members
Save 10 cents per litre by scanning your RAA membership card at participating SA stations. Plus, save 4 cents per litre when travelling interstate. Offer for a limited time and subject to change.
Conditions and transaction limits apply. Read full terms and conditions.
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It's better to be a member
RAA members can receive discounts on shopping and entertainment with RAA Rewards, enter exclusive competitions and access member-only services.
Plus, we love to reward our loyal members with savings on select policies and products.
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Things you should know
Allianz South Australia Insurance Limited ABN 14 007 872 602 AFSL 232525 (Allianz SA) is the insurer and Royal Automobile Association of South Australia Limited ACN 677 371 274 (RAA) issues this under binder from Allianz SA. RAA do not provide any advice based on any consideration of your objectives, financial situation or needs. Policy terms, conditions, limits, exclusions, and underwriting criteria apply. Before making a decision about this insurance, please consider the Product Disclosure Statement (PDS) and Supplementary PDS (if applicable) and the Target Market Determination (TMD).
Read the General Insurance Code of Practice and our complaint policy for further information about your rights.
For details on your rights and benefits as an RAA member, please refer to the Membership Terms and Conditions.
Find out how we support our vulnerable members.