It is essential to check the status of your car insurance every once in a while just to ensure that the policy is still active. Since all the states in Australia require you to renew compulsory third-party (CTP) insurance when paying for your yearly car registration, it is simple to go online and check the status.
However, when checking on the status of your legally required car insurance policy, it will not show any other types of auto insurance that you have, such as your fire and theft policy. That is another step in the process that will have to be completed if you need to know when the policy ends.
For now, let’s start at the beginning and work our way through the entire process. The second step will depend mainly upon the company that you have chosen to go through for your extra automotive insurance coverage, but that will be discussed in a minute. Let’s jump right in and see how easy it is to check your CTP (green slip in NSW) insurance, and then you can go from there.
Checking Your CTP/Green Slip Insurance Online
If you are in one of the states that allow you to choose your own CTP coverage company, you will have a second option that the other states do not have. Of course, there are a few different ways in which you can check to make sure that you are legally able to drive, but the first may not be the best option, depending upon your specific circumstances.
Copy Of Your Vehicle Registration
If you have access to a copy of your registration, go grab it and take a look. You can see several things from your current registration, which may or may not show the expiration date of your insurance coverage.
That will largely depend upon the state you are in because unless you pay for the CTP policy when you register the vehicle, they will not have the need to list the insurance expiration day.
- The status of your car registration and the date that it expires.
- The details of the car that the registration is attached to.
- Purpose of the vehicle that the registration is for.
- CTP/Green Slip Insurance Information.
The information you will be looking for is the expiration date, even if the copy of the registration does not show your insurance details. Your car registration expires the same day your legally required policy needs to be renewed.
Check Using Online Portals
The world is in the middle of the technological era, or century, depending upon how you want to look at it. The thing is, though, that all business transactions can be taken care of online through AI-driven platforms using Blockchain technology.
This means that there is a better way to check your car insurance if you have secured CTP/Green Slip insurance, or an upgraded policy, from a company that is not attached to the motor registration office. If you do not have this separation, there is still a way to check the status online. Follow the appropriate link below and find your registration information, which will show you the same things as discussed already. Check for the expiration date, and you are done.
- New South Wales
- Queensland
- Victoria
- Western Australia
- Tasmania
- Australian Capital Territory
- Northern Territory
If your vehicle registration shows that you are due to renew them next month, your CTP insurance policy will also need to be renewed. This makes it simple to keep track of the legal limits on the insurnace policy because they will need to be completed simultaneously.
Call Your Local Agency
The old-school way to check on your car insurance status is to call your local registration office. They can give you all the information you need and let you know when the renewal dates are.
This may seem like the best way to get the data you are looking for, but the wait times on the phone can be rather long, which is another reason why people opt to use online platforms. The choice is yours, however, so if you prefer traditional ways, those options are still available.
Check With Your Agent
The last step you will need to do is to check with your agent to see when your insurance expires. This only needs to be done if you have a separate CTP insurance policy or if you have chosen to have an upgraded policy along with the legal requirements.
Many insurance carriers will have an online platform where you can keep track of your policies, which can even be set up to make automatic payments when they are due.
If this is the course you choose to take, do not forget that the payment will be coming out of your account and when that payment will be charged. It is a convenient way to pay all your bills, but it is also an excellent way to lose track of your budget.
Final Thoughts
Keeping track of when your car insurance needs to be renewed is vital because you do not want to be caught without it. Most of the time, you can bet that when you are due to renew your license plates, you will also need to pay for a new year of insurance.
If you have other types of car insurance in play, you will need to contact the agent you have chosen to go through and keep in touch with them because your registration will not be at the same time. The additional insurance policies are not required by any states, so if you forget to renew them on time, it will not be the end of the world, but it may cause your premium rates to increase.
What it all boils down to is that if you do not have the luxury of renewing your registration and car insurance simultaneously, set some reminders. Your mobile device has a calendar that can be set to remind you about the upcoming payment, or you can set up a message on a note application. Another great way to remember is to sign up for email notifications when your payment is due and how much that payment will be.
Whatever you do, remember that it is part of your budget that should always be factored in because it is one of the most important things any driver can do to keep themselves safe and within the legal requirements.