If you’re importing a car into Australia, whether it’s a sleek JDM (Japanese Domestic Market) model or a classic vehicle, one of the biggest challenges you’ll face is finding the right insurance. Australian insurance providers are often cautious when it comes to covering imported vehicles, but don’t worry—there are options out there tailored specifically for import owners.
Why Is Insurance for Imported Cars Different?
Imported cars, especially those from Japan, have unique features and specifications that might not match the standard vehicles typically insured in Australia. Insurers may view them as high-risk due to factors like non-standard parts, the difficulty of repairs, and legal compliance requirements. This is especially true for “grey imports,” which are vehicles brought into Australia through unofficial channels.
But there’s good news. You can still find coverage that suits your imported car. Some insurance companies specialize in providing policies for these vehicles, from rare JDM cars to modified models.
Top Insurers for Import Cars
- MB Insurance Group
Specializing in JDM and imported vehicles, MB Insurance covers a wide variety of cars, from the iconic Nissan Skyline to the luxury Toyota Century. They understand the passion behind owning these cars and offer coverage that includes everything from performance vehicles to modified cars, including wheelchair-accessible models.
- Enthusiast Motor Insurance
Known for providing bespoke policies, Enthusiast Motor Insurance is another great choice for owners of imported vehicles. They offer comprehensive coverage for modified cars and sports models, providing flexible terms and agreed-value policies.
- Shannons Insurance
Shannons is a leader in the classic car insurance industry and also covers imported cars. Their policies are tailored for enthusiasts and collectors, with options for modified cars and those with special needs.
Tips for Insuring Your Imported Car
- Be Transparent About Modifications
If you’ve made any modifications to your imported vehicle, it’s crucial to inform your insurer. Unreported modifications may result in a claim being rejected or reduced payouts. - Consider Agreed-Value Insurance
With import cars, you might face challenges when it comes to determining the car’s value. Agreed-value insurance ensures you and the insurer are on the same page, providing peace of mind in case of an accident or total loss. - Check for Compliance
Make sure your car meets Australian compliance standards. Some vehicles may need modifications to meet safety and emissions regulations. Cars that don’t comply may be harder to insure.
If you’re new to car imports or need assistance navigating the process, JDM Connect offers expert guidance in bringing Japanese Domestic Market cars into Australia, ensuring all compliance requirements are met and your car is ready for the road.
Securing insurance for your imported car doesn’t have to be complicated. By choosing the right insurance provider and being transparent about your vehicle’s modifications and compliance with Australian standards, you can protect your investment and enjoy peace of mind. Whether it’s a classic JDM car, a modified vehicle, or a luxury import, there are specialized insurers who understand the unique needs of import car owners.