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Guide to Imported Car Insurance in Australia

Guide to Imported Car Insurance in Australia

Insuring an imported car in Australia requires special considerations beyond those needed for domestically purchased vehicles. This comprehensive guide will provide detailed insights into the intricacies of imported car insurance, covering essential topics such as insurance types, costs, specialist insurers, and the process of obtaining the right coverage.

What is Imported Car Insurance

Imported car insurance is designed for vehicles purchased from overseas sellers and shipped into Australia. These vehicles often have different specifications and may not meet Australian safety standards without modifications. As a result, insuring an imported car can be more complex and costly than insuring a domestic vehicle​ (Canstar)​​ (​.

Types of Imported Car Insurance

  1. Comprehensive Insurance: This provides extensive coverage, including accidents, theft, and damage to your vehicle. It is the most popular choice for imported cars due to the broad protection it offers.
  2. Third-Party Property Damage: Covers damage to other people’s property if you’re at fault in an accident. This is a more cost-effective option but does not cover damage to your own vehicle.
  3. Third-Party, Fire, and Theft: Provides additional protection against theft and fire damage, alongside third-party property damage coverage​ (Savvy)​​ (Insurance FAQ)​.

Factors Affecting Insurance Costs

Several factors influence the cost of insuring an imported car, including:

  • Vehicle Value: Higher value vehicles generally attract higher premiums.
  • Age of the Car: Older cars may cost more to insure due to potential maintenance issues, whereas newer cars might have higher repair costs due to advanced technology.
  • Modifications: Imported cars often require modifications to meet Australian standards, increasing their insurance costs.
  • Repair Costs: Finding parts and skilled mechanics for imported cars can be challenging, driving up repair costs and, consequently, insurance premiums​ (Compare Club)​​ (Insurance Business)​.

Specialist vs. Standard Insurers

When choosing an insurer, you have two main options: standard insurers and specialist insurers.

Standard Insurers:

  • Typically cover imported vehicles with a standard comprehensive policy if the vehicle meets their specifications.
  • May impose limitations on cover for modifications and impose high premiums.
  • Offer market value coverage, though agreed value cover can be found at additional costs.
  • Usually, choose the repairer for any claims and claim salvage rights​ (​​ (Compare Club)​.

Specialist Insurers:

  • Provide tailored solutions specifically designed for imported and modified vehicles.
  • Allow policyholders to choose their repairer and often cover necessary modifications.
  • Offer agreed value coverage by default, beneficial for classic and vintage cars.
  • More likely to cover high-risk recreational use such as rallies and motorsport events​ (​​ (Insurance FAQ)​.

Leading Insurers for Imported Cars

Several insurers specialize in imported car insurance, offering comprehensive and tailored policies:

  1. Shannons: Known for covering all imports, classic and vintage vehicles, and modified cars.
  2. Enthusiast Motor Insurance: Offers coverage for all imports, vintage and classic cars, and high-value vehicles.
  3. Lumley Special Vehicles: Covers imported classics, modern classics, and vintage cars with options for agreed value and choice of repairer.
  4. NRMA: Provides extensive coverage for imported, custom-built, classic, and vintage vehicles across multiple Australian states.
  5. Ryno Insurance: Specializes in American imports, classic, vintage, and custom-built cars​ (iSelect)​​ (Insurance Business)​.

Steps to Insure an Imported Car

  1. Vehicle Import Approval: Obtain approval from the Road Vehicle Regulator (ROVER) before bringing the vehicle into Australia.
  2. Compliance and Modifications: Ensure the vehicle meets Australian safety and emissions standards. This may involve modifications that must be documented for insurance purposes.
  3. Choose the Right Insurer: Compare quotes from specialist and standard insurers to find the best coverage for your vehicle.
  4. Understand Your Policy: Read the fine print, including the Product Disclosure Statement (PDS) and Target Market Determination (TMD), to ensure you understand the coverage and exclusions.
  5. Provide Detailed Information: When applying for insurance, provide comprehensive details about the car’s make, model, year, and any modifications​ (iSelect)​​ (Insurance FAQ)​.


Insuring an imported car in Australia involves navigating unique challenges and higher costs compared to domestic vehicles. By understanding the specific needs of imported cars and choosing the right insurer, you can secure comprehensive protection for your valuable investment. Whether opting for a standard or specialist insurer, ensure you thoroughly compare options and select a policy that offers the best coverage for your needs​ (​​ (Insurance Business)​.

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