Australian drivers must have compulsory third party (CTP) insurance, which covers injuries caused to people in a road accident, but it does not cover damage to vehicles or property. Beginners can consider third party property, third party fire and theft, or comprehensive cover depending on the car’s value, budget and preferred level of protection. Compare premiums, excesses, agreed or market value, exclusions and whether other drivers are covered, and read the policy’s Product Disclosure Statement (PDS). The insurer will decide eligibility, pricing and claims outcomes based on the driver, vehicle and individual circumstances.