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Does anyone know of a place that insures to the full value of the car, or even something thats 1/2 acceptable, for fire and theft? Having no insurance if i crash and are at fault is ok, but if someone steals my car and im stuck with the loan payments, that really stings!

Thanks

Luke

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https://www.sau.com.au/forums/topic/23523-theft-and-fire-insurance-only/
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Even for main stream companies, fire & theft usually only covers about $4-5k only.

Other small companies may give you smaller amount, but if any of these small insurers offer you big cover for little premium, you should be very wary as it could mean they're pulling their luck covering that much risk. They could be stingy when it comes to claim, or no longer be there the next morning you wake up and you end up loosing 1 yr premium that you've paid in advance!

If you want a cheaper fire & theft insurance only that covers at least 50% of your car price, I'd seriously suggest you look into buying a sub-$7000 car. Otherwise you'll have to bite the dust and get a full comprehensive insurance.

If your car is bought with a proper car loan (not personal loan), ask your loan provider if they have some sort of minimum insurance in case the car got stolen. That could be your solution.

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