Australia’s best insurance: car, pet, life, home and travel
Finding the right insurance policy at a fair price with all the coverage and features you need can be an overwhelming task. That's why, each year, Mozo's team of experts brings their 70 years of combined financial experience to assess and identify the best insurance policies in Australia for the Mozo Experts Choice Insurance Awards.
Close to 200 insurance policies have been analysed across car, home, landlord, life, and pet insurance to identify the top value and quality options. According to Mozo's research, Australians could be paying hundreds of dollars extra in premiums for like-for-like insurance policies depending on the insurer they choose.
Committed to helping you make an informed decision when choosing an insurance policy that suits your specific needs, our Judges reviewed and identified some of the standout winners that offer competitive pricing and comprehensive coverage. Whether it's car, home, landlord, life, or pet insurance, we have you covered.
Our in-depth review of the winning policies are here to help you compare and choose the right coverage to protect your assets and loved ones and assist in navigating the complex world of insurance.
Browse our Mozo Experts Choice Insurance Awards winners today and take the first step in securing your financial future.
Best Car Insurance
Important information on terms, conditions and sub-limits.
Budget Direct Gold Comprehensive Car Insurance*
Budget Direct took out top honours as Australia's Best Value Car Insurer in the 2024 Mozo Experts Choice Awards.^ Budget Direct's top-value Gold Comprehensive Car Insurance policy offers up to $500 of personal property covered, a separate $500 for covering baby capsules and another $1,000 to replace car keys and locks, plus new-for-old car replacement and the option to choose your own repairer after an insurable event. And don’t forget the feel-good bonus of a 15% discount when you buy the policy online (T&Cs apply).
ROLLiN' Comprehensive Car Insurance*
- Pay for insurance month-to-month, like a subscription, with no cancellation fees
- Mozo Experts Choice Exceptional Value Car Insurance Award Winner
ROLLiN' is shaking up car insurance with a new pay-as-you-go approach that lets you pay month-to-month without any lock-ins or cancellation fees. So if you don't need to drive for a certain amount of time, you can simply cancel your cover without penalty and pick it back up when required. You'll enjoy 24/7 online claims support and a lifetime guarantee on authorised repairs, plus if you accidentally damage your windscreen, sunroof or window glass, ROLLiN' will fix them for free!
Best Home Insurance
Important information on terms, conditions and sub-limits.
Budget Direct Home & Contents Insurance*
- 30% combined apply online discount for your first year's premium
- New-for-old contents replacement cover
Offering extensive protection for your home and belongings at an affordable price, Budget Direct was awarded an Exceptional Value Award in the 2024 Mozo Experts Choice Awards .^ This comprehensive home and contents insurance policy offers an impressive list of extra features like new-for-old contents replacement, cover for portable items, and emergency accommodation for up to 12 months (or 10% of the sum insured) for you and your pets. You’ll be protected against a range of natural disasters and there’s a heap of contents included – just check your PDS for limits on specific items. And if you're after combined home and contents cover, you’ll score a 30% discount on your first year’s premium just by purchasing a new policy online. Too easy.
QBE Home & Contents Insurance*
Winner of the Exceptional Value Home & Contents Insurance^ and Exceptional Quality Insurance^ categories at the 2024 Mozo Experts Choice awards, QBE Home and Contents Insurance can cover your property and belongings in case of fire, storm damage, theft and more. 24/7 friendly and helpful claims service. It comes with up to $30 million legal liability cover and you’ll receive temporary accommodation costs for up to two years if your home isn’t liveable (eligibility criteria applies). New policies purchased only could receive a 10% discount (with conditions).
Australia Post Home & Contents Insurance*
- 2024 Mozo Experts Choice Award
- 24/7 claims support service
- 10% online discount (for combined home and contents cover)
Of all the providers assessed for this year's awards, Australia Post ranked the best overall home and contents insurer. It won awards for both Exceptional Value Home & Contents Insurance^ and Exceptional Quality, and its easy to see why it rated so well. This policy comes with all of the features you want from your cover including 24/7 claims support service and cover for fire, theft, water damage and much more. New combined home and content policies purchased online could receive a 10% discount (T&Cs apply).
Best Pet Insurance
Important information on terms, conditions and sub-limits.
Knose Pet Insurance*
- Annual benefit limit of $25,000 for accident and injury cover
- Get 10% off your first-year premium using the promo code "MOZO10"
Knose Pet Insurance won Mozo Experts Choice Pet Insurance Provider of the Year^ for its flexible approach which makes it simple to tailor your pet insurance cover. Policyholders choose their desired annual limit, benefit percentage and annual excess to create a pet insurance plan for their needs. You can also select optional extras such as dental issues, behavioural problems and alternative treatments. To be eligible for cover, your pet needs to be at least 6 weeks and less than 9 years when starting insurance.
Petsy Pet Insurance*
- $25,000 annual limit for accidental injury and illness
- Covers up to 90% of your eligible vet bills
- Customisable policy
Petsy Pet Insurance offers a maximum annual benefit limit of $25,000 for accidental injury and illness if you take out their top level of cover. Their top level of cover may also reimburse up to 90% of your eligible vet bills. You can also customise your policy by not adding optional extras like dental, behavioural problems, and alternative therapies cover or, lowering your annual benefit limit to $10,000, reducing your benefit percentage to 80%, or opting for a $150 annual excess.
Petsy has zero sub limits and gives you the option of annual excess and percentage benefits to suit your needs. Plus, with Petsy, you'll be able to choose your own vet, with over 12,000 registered vets in Australia.
Fetch Pet Plan*
Get dental, physio and behaviour cover included as standard with a Fetch Pet Plan. You can enjoy $30k insurance cover with no sub-limits and get an all Aussie vet nurse team to manage claims. Plus, claims are conveniently paid directly to your vet.
Day or night, the Fetch vet team are just a tap away. Chat to them in-app, or call 24/7 for emergencies. You can manage your pet's plan, treatments, and claims with a a single tap, direct from your mobile phone.
Budget Direct Pet Insurance*
- Annual benefit limit of $12,000 for illness and accidental injury
- Covers 80% of your eligible vet bills
Budget Direct Pet Insurance brings you coverage for a range of common dog and cat medical concerns. There is an annual benefit limit of $12,000 if your cat or dog is accidentally injured or falls ill (sub limits apply).
In addition, they’ll cover a generous 80% of your eligible vet bill when you take your furry family members to your choice of registered vet or veterinary practice in Australia. You’ll also receive a 15% discount on your first year’s premium for a new policy quoted online.
Best Travel Insurance
Important information on terms, conditions and sub-limits.
Freely - International Travel Insurance
- Customisable, flexible coverage through the Freely app
- 10% off with a Mozo exclusive discount
For those looking for sheer convenience, it’s hard to beat Freely’s all-in-one travel app. Customise this flexible policy by adding or taking away extras and coverage as you need it to suit your holiday. Friends suddenly invite you whitewater rafting? Add adventure sports cover (with conditions).
Optional extras include gadgets, snow sports, cruise, motorcycle cover, and more. For a limited time, you could also nab 10% off your policy with the Promo Code “MOZO10” (T&Cs). Freely's travel insurance policies won two Mozo Experts Choice Travel Insurance Awards^ in 2024.
World2Cover Travel Insurance
Not only did World2Cover’s Top policy take out an award in the best value award category, but it also scooped a Mozo Experts Choice Award for best quality comprehensive travel insurance. This policy comes with unlimited medical and hospital cover for covid and non-covid related issues. There is limited cancellation cover for covid (up to $3500) but otherwise it is unlimited should you need to cancel your travel plans. You’ll also get $15,000 cover for luggage and personal effects and rental car excess cover of $5000. Amateur sporting and adventure activities such as hot air ballooning and bungee jumping are covered at no extra cost. Dependents travelling with you receive free cover as long as they are listed on the policy. T&Cs apply so be sure to read the PDS before purchasing.
Best Life Insurance
Important information on terms, conditions and sub-limits.
NobleOak Life Insurance*
- Lump sum cover available up to $15,000,000 if you pass away or are diagnosed with a terminal Illness
- Funeral Advance Benefit of $15,000
NobleOak has helped protect Australians for over 140 years and has been crowned Life Insurance Provider of the Year by our experts after taking home seven trophies in the Mozo Experts Choice Life Insurance Awards.^ NobleOak are known for their extensive policy coverage and features which come with competitive premiums. You can attain cover if you are aged between 16 and 69, with renewal available up to age 99. Get 2 months free when you apply for one or more life insurance cover types available under Premium Life Direct (T&Cs apply).
NobleOak Premium Life Direct Income Protection Insurance*
- Insure up to 70% of your pre-tax income (up to $30,000 per month)
- Provides monthly payments to help you and your family if you’re sick or injured and can’t work
NobleOak’s Premium Life Direct Income Protection Insurance (Disability Income Insurance) gives you peace of mind with monthly payments for a specified benefit period helping you replace some of your income if you can’t work as a result of a serious illness or injury. With this cover you can choose either a 30 or 90 day waiting period, and a benefit period of 2 years, 5 years or to age 65. You can attain cover if you are aged between 18 and 55, with renewal available up to age 65. Get 2 months free when you apply for one or more life insurance cover types available under Premium Life Direct (T&Cs apply).
* Terms, conditions, exclusions, limits and sub-limits may apply to any of the insurance products shown on the Mozo website. These terms, conditions, exclusions, limits and sub-limits could affect the level of benefits and cover available under any of the insurance products shown on the Mozo website. Please refer to the relevant Product Disclosure Statement and the Target Market Determination on the provider's website for further information before making any decisions about an insurance product.
Mozo provides general product information. We don't consider your personal objectives, financial situation or needs and we aren't recommending any specific product to you. You should make your own decision after reading the PDS or offer documentation, or seeking independent advice.
While we pride ourselves on covering a wide range of products, we don't cover every product in the market. If you decide to apply for a product through our website, you will be dealing directly with the provider of that product and not with Mozo.