The state of Victoria has the second highest number of cars in Australia at almost 4.5 million vehicles, making up just over a quarter of all registered vehicles nationwidei. The Melbourne inner city local government area (LGA) had the lowest average number of cars per household within Metropolitan Melbourne at 0.8. Contributing to this low number was the fact that 55 per cent of households within the inner city Melbourne LGA hade no car at allii. In the wider Metropolitan Melbourne area, only nine per cent of dwellings had no car, 35 per cent had one car and 37 per cent had two carsii.
The risk of having your car stolen in Victoria is considerably higher than most other Australian statesiii. Although the rate of car theft in Victoria has dropped slightly in the past few years, you should still be wary of the location in which you park your cari. In 2013, Brimbank LGA had the highest incidence of car theft with 813 thefts reported, followed by Hume LGA with 764 and Whittlesea LGA with 602iv . There were 371 thefts reported in the City of Melbourne LGA in 2013, a decrease of 21.6 per cent from 2012iv.
Across Australia, 45.3 per cent of cars were stolen from carports and garages and 31.7 per cent were stolen on the streetv. To protect your car, remember to close windows, lock all car doors and remove the keys from the ignition even if your car is parked in your garage at homevi. Avoid having your address on a tag connected to your keys and keep your spare car keys in a safe placevi. It's also advisable to always take any valuables with you when you leave your car or lock them in a place where they cannot be seen, such as the bootvi.
The Victorian road toll has decreased from 343 deaths in 2004 to 242 deaths in 2013, but it is still the third highest road toll of any Australian state or territoryvii. Drivers accounted for the majority of road user deaths, with 121, followed by 40 motorcyclists, 39 passengers, 36 pedestrians and 6 cyclistsvii.
Major factors contributing to severe road accidents in Victoria include driver fatigue, speeding, alcohol consumption and not wearing a seatbelt. When on the road remember to obey posted speed limitsviii and buckle upix for every trip, no matter how short it may be.
Although 65 per cent of Melbourne's 1.91 million workforce use a car for their daily commutex, public transportation remains a popular form of commuting. In the inner city of Melbourne, 57 per cent of locals use public transport, including train, tram, buses and bikesxi. Don't be complacent about the risks of theft, accident and third party property damage. Protect your investment and get an online comprehensive car insurance quote from Allianz today.
iAustralian Bureau of Statistics 2014, Motor Vehicle Census, Australia, 31 Jan 2014, cat.no. 9309.0, ABS, viewed 29 August 2014,
iiDepartment of Transport, Victoria Government 2012, Transport Research and Policy Analysis Bulletin, viewed 4 September 2014,
iiiComprehensive Auto-theft Research System, National Motor Vehicle Theft Reduction Council 2014, AUS - Motor vehicle theft summary, 2009 to 2013, viewed 29 August 2014,
ivComprehensive Auto-theft Research System, National Motor Vehicle Theft Reduction Council 2014, VIC - Motor vehicle thefts by top Local Government Areas (LGA), 2013 vs 2012, viewed 29 August 2014,
vAustralian Institute of Criminology 2014, Location of all crime, by location and crime: MVT, viewed 2 September 2014,
viVictoria Police 2013, Crime Prevention & Community Safety: Prevention of motor vehicle theft, viewed 4 September 2014,
viiBureau of Infrastructure, Transport and Regional Economics (BITRE), Australian Government 2013, Road Deaths Australia 2013 Statistical Summary, viewed 29 August 2014,
viiiVic Roads 2014, Speeding & safety, viewed 2 December 2014,
ixState Government Victoria 2013, Cameras save lives, viewed 2 December 2014,
xCarey, A 2012, 'Car is still king but public transport use on the rise', The Age, viewed 29 August 2014,
xiAustralian Bureau of Statistics 2012, Household Water and Energy Use, Victoria, October 2011, cat.no. 4602.2, ABS, viewed 2 December 2014,
Any online discounts offered are applied to our standard rates, but excluding all other optional covers. The online discount only applies to the first year's premium (unless stated otherwise). Promotional or other discounts may apply from time to time for customers who apply for insurance via our Contact Centre.
Minimum premiums may apply
Any discounts/entitlements only apply to the extent any minimum premium is not reached. If you are eligible for more than one, we also apply each of them in a predetermined order to the premium (excluding taxes and government charges) as reduced by any prior applied discounts/entitlements. Discounts are available at the time of printing and are subject to change without notice.
Car Insurance discounts
The online discount does not apply to Third Party Fire & Theft policies and Third Party Property Damage policies. Safe Driver Discount applies to new Allianz Car Insurance policies only. Drivers must be aged 30 years plus. Eligibility conditions in relation to all drivers. Discount available for new Allianz Car Insurance policies only.
$25,000 Accidental Death Cover
At no extra cost, if you or your spouse has an accident that results in an injury which is the sole cause of death within 90 days of the injury, we will pay your estate $25,000.
Windscreen cover excess
Only applies where damage to windscreen is the only damage to the vehicle.
Terms, conditions, limits and exclusions apply. Please see the relevant PDS available on this website for details.