If you drive around in the bush most of the time and do not take out any of the optional third party insurance covers which are available. If you run into a property fence or worse yet into a property or another 4wd you may be liable.

If you are looking to compare car insurance this applies to everyone. Optional third party insurance is just that, optional.

We can only guess as to why many drivers don’t take out optional third party cover.  Some drivers claim they don’t have the money for the premium. Some believe that their car is old and worth little so replacement would not be worth it. Some drivers just believe they drive carefully and will never need the extra cover.

But let’s look at the possibilities. Third party property cover means that if your car causes damage to someone else’s property, which of course could be a car, then with that cover you will not be personally liable for the cost or at least for most of it. You could have cover for say $20,000 which would cover you in the vast majority of accidents. That cover also helps you if you are in an accident with an uninsured driver. If an uninsured driver crashes into your vehicle, who will pay for your repairs? Taking a penniless driver to court will hardly get you the cash you need immediately to fix your car. But a third party property cover can allow you to receive a certain amount in that situation.

The second type of optional third party car insurance involves fire and theft. Again many drivers do not take out this type of cover. And again the same sorts of reasons are offered. I won’t need it. I can’t afford it. It’s too expensive.

As a driver in the bush or outback you should seriously consider all types of insurance because your car could be your best or only way of getting to work. If someone steals your car it might be crashed and seriously damaged. In some cases it will be modified and sold as another vehicle. Without insurance to cover this type of event you will have no recompense at all; nothing.

Then your car could catch fire. It might be an electrical fault. The damage to your vehicle through fire could be anything from minor to a total loss. Your vehicle could be parked somewhere and catch fire. As with your car being stolen, without the appropriate third party fire and theft cover, you will have no financial recompense at all other than finding if someone is responsible and going through the courts.

But first there has to be someone responsible, as opposed to a lightning strike or bushfire, etc and second, the person responsible has to be found, and taken to court. All that could take months even years and what will you do without your car in the meantime? The arguments to not have full third party cover pale into insignificance alongside the small cost of the premium.

The Bush

When you live in such a fantastic country as Australia, you have such amazing resources available where you can do some amazing bush walking. However, you’ll require a little more planning than just heading off into the bush with a water bottle in a pair of thongs – any Australian will tell you so.

Also known as rambling, hiking, walking or tramping, bushwalking is a fantastic activity for any outdoor enthusiasts. It’s an absolutely great way to see nature at its best where you can really appreciate all the unique landscape that Australia has to offer. There are some great resources of information waiting to be read on the Internet in the way of bushwalking clubs and bushwalking bodies all the way across Australia, so you’ll always be able to find one not to far away from you.

Bushwalking has a lot of benefits, including developing the mind and the body. This is something that serious bushwalkers will credit. This is especially true in this day and age where the hustle and bustle of the modern cities can form bubble in which many of us live. It takes a bushwalker to go far away, sometimes where no white man may have been before, and to appreciate the peaceful charm that the Australian bush has to offer. Only when you have experienced this strange but tranquil quality of the Australian bush, will you realise how small the civilisation of man and the city is and that it is only part of a wider creation.