Types of insurance for vehicles
Compulsory third party insurance (CTP) is compulsory in South Australia and is paid when registering a vehicle but taking out private insurance is also recommended.
Insurance can protect you against costs and liabilities if you are involved in a crash or if your car is stolen or damaged.
If you decide to buy private vehicle insurance, shop around and find the deal that best suits your needs. Ensure that you know exactly what you are covered for, what your obligations are and how to make a claim.
Compulsory third party insurance
Compulsory third party insurance (CTP) provides compensation to crash victims where the owner or driver of a registered South Australian vehicle is at fault. It may also cover crash victims where a passenger is at fault.
CTP Insurance is compulsory in South Australia. You pay your CTP premium when you pay your vehicle registration.
CTP insurance covers for bodily injury only and not for damage to your vehicle or any other vehicles involved in the accident.
Third party property insurance
Third party property insurance may cover damage caused by you to another person’s property (eg. their car), but not your car. It is relatively inexpensive and can be arranged with an insurance company of your choice. If your vehicle is not covered, you may have to pay the repair costs for the other person’s vehicle if you are responsible for a crash, and these costs can be very high.
Comprehensive insurance
Comprehensive insurance may cover damage to your car, other cars, property, fire and theft. If you have taken out a loan to buy a car, you may be required to purchase this type of insurance.作者: yannandu 时间: 13-11-2010 10:19
只要你在南澳洲的公路上开车,你必须给你的座架购买Compulsory third party insurance .在每年的REGISTRATION的时候,根据你自己的情况,可以选择购买3,6,9,12个月的. 车辆类型不同,费用是不同的.作者: yannandu 时间: 13-11-2010 10:24
THIRD PARTY PROPERTY DAMAGE 和COMPREHENSIVE 不是强制性的，所以可以选择不买。但是为了你自己的安全和车辆的安全，万一发生交通事故，你没有买这2种保险，那么你的损失就会很大。
建议最好要买THIRD PARTY PROPERTY DAMAGE。这个保险是在你的车撞了别人的车的情况下，你不用承担对方的车的损失。你只负责你自己的车的损失。