The Mozo Experts Choice Awards have been running since 2014 and recognise products that offer customers the very best in the market.
The Exceptional Value awards recognise car insurance policies that are among the best-priced for the cover they offer. For these awards, we obtained a range of quotes from 58 different comprehensive car insurance policies.
The Exceptional Quality awards recognise premium car insurance products that offer the very highest levels of protection and benefits. For this award we assessed quality of cover on each product, comparing a wide range of features including 24/7 claims, choice of repairer and the option of hire car after an accident. Mozo also assessed customer experiences when dealing with the insurer as well as their track record of handling disputes with the financial ombudsman services.
For details on how we crunched the numbers and determined our winners see our 2018 Mozo Experts Choice Awards Insurance methodology report.
Scooping awards for both Exceptional Value and Exceptional Quality in Car Insurance as well as Home and Contents Insurance, Suncorp has been named the Mozo Experts Choice Awards Insurer of the Year for 2018. The winning combination of quality cover, choice and competitive pricing offered should make Suncorp an option worth considering for your insurance needs in the year ahead according to Mozo’s money experts.
Hire car cover for any incident until your claim is settled
Choice of repairer included
Cover for anyone who drives your car
The Mozo experts agree that quality cover is what RACV delivers with its Complete Care policy. You’ll get top cover for things like theft and collision damage as well as knowing that if you do damage property or someone else’s car you’ll be adequately covered. RACV doesn't charge extra for people wanting to pay their premiums monthly and you won’t ever be charged an excess on windscreen claims. There's no cap on the number of days a rental car is paid for (included for theft, optional for accidents) and they will even help cover a bond for the rental car should you need.
Accidental loss or damage from events such as hail, fire, theft and collision
Rental car after a not at fault accident
Included windscreen and window glass cover
Want convenience knowing that you’re covered for big and small events, GIO’s Platinum option is worth considering according to Mozo’s money experts. In addition to the standard comprehensive cover benefits, extras like windscreen cover, rental car, lifetime new car replacement come standard with the policy.
Accidental loss or damage to your or someone else’s car or property
Automatic windscreen cover, roadside assist and rental car after an event
Lifetime guarantee on repairs
If you’re after top insurance cover for your car, Suncorp’s Advantages made the Mozo’s Exceptional Quality winners list for good reason. The policy includes the standard cover for damage or loss caused by events like hail, flood, fire, theft and collision. There is unlimited days of replacement rental car and no excess on the first windscreen claim each year. There is even the option to add on rideshare cover. Plus with a 24/7 online claims service and flexible payment options Mozo’s Insurer of the Year has added extras which also give you peace of mind.
11 events covered including theft, vandalism, accidental damage and collision
Cover for anyone who drives your car
Excess-free windscreen, sunroof and glass cover
The comprehensive cover of NRMA’s Plus car insurance means that you don’t have to worry about damage to your car or someone else’s if you or anyone driving your car is in an incident. You’ll get new car replacement if you car is written off in its first two years, car hire until your car is repaired or claim settled, and no excess ever on windscreen repairs. Most dealer modifications are covered without requiring prior agreement and as long as you own your car, there is a lifetime guarantee for the workmanship of all authorised repairs. Towing services also come standard should you ever break-down or require towing.
Choice of repairer
Unlimited windscreen repair or replacement
Wide range of events covered including hail, flood, theft and vandalism
What sets RAA insurance apart? Firstly it allows drivers to pay premiums monthly with no extra charge and regardless of the age of the vehicle it only uses genuine parts for repairs. In case of write-off you’ll get lifetime new vehicle replacement, never have to pay an excess for windscreen repairs and if your car is stolen you’ll also get a hire car. Rideshare is an optional extra.
The Mozo Experts Choice Awards recognise products that deliver exceptional value or benefits to consumers and have been running since 2014.
For Exceptional Quality Awards, the criteria for car insurance included:
For Exceptional Value Awards, we considered a total of 10,000 car insurance customer scenarios, and determined the percentage of those scenarios where a given policy would feature among the 4 cheapest quotes out of all the policies meeting a minimum level of quality.
See our methodology report for more detailed information on how we performed the price comparisons and determined the final winners list.
We won't have covered every car insurance product out there, but we try to include all the major brands - and not just those we have a commercial relationship with. In this year’s awards we assessed 58 different products
You’ll want to check out the winners in the Exceptional Value category. Our experts crunched the data on a range of customer scenarios and these were the insurers and policies that came out the cheapest when compared to similar products.
It’s important to understand that many factors go into determining the cost of car insurance such as where you live, your age, how often you drive as well as the car itself, so you’ll still need to do some comparing of features and options to find a policy that is right for you and then get quotes so that you can compare the price.
For car insurance, we considered a total of 25 features with the essential ones being: 24/7 phone claims, choice of repairer, genuine parts, windscreen excesses, choice of agreed or market value and rental car after accident. If you’d like to see the full list, read the methodology report.
Customer experience scores were sourced from a national survey of 3,693 Australians commissioned by Mozo and undertaken by IPSOS in April 2018, which measured customer ratings of the experiences of getting a quote, dealing with customer service staff and making claims. Dispute data came from the information published by the Financial Ombudsman Service.
Our research team is headed by our Data Services Director and our Product Data Manager who have over 50 years of combined financial services experience and 22 years in online financial comparison.
Please get in touch with us to discuss by emailing or phoning our advertising sales team on 02 9037 4368.