Compare Car Insurance Australia: Save up to 15% online
Are you looking for the cheapest car insurance? You’ve landed in the right place. Mozo has rounded up some of this month's top comprehensive car insurance deals from popular Australian providers to save you time and money. Compare key policy details and discount offers before clicking to get a personalised online quote for your car.
Get award winning Car Insurance. Save 15% ^ on your first year’s premium when you purchase a new policy online. Budget Direct offers tailor-made cover, new-for-old replacement, 24/7 claims, a highly-rated claims service, and get a hire car following a theft.
Get award winning Car Insurance. Save 15% ^ on your first year’s premium when you purchase a new policy online. Budget Direct offers tailor-made cover, new-for-old replacement, 24/7 claims, a highly-rated claims service, and get a hire car following a theft.
New car if written off
Yes - within 1 years and 20,000 km of original registration
Rental car after theft
Yes - Up to $1,000 total.
Rental car after accident
Not at fault - Yes. At fault - Optional Extra. Up to 14 days for at fault accidents.
Windscreen cover
Yes - standard excess. Option to reduce windscreen excess to $40 on every windscreen claim for an additional premium.
Modifications
Covered only if agreed in writing.
Young driver excess imposed
$600 for drivers under 21, $500 for drivers under 24, $600 for unlisted drivers, $500 for inexperienced drivers over 24.
Choose car insurance to match your needs, with no extra charges to pay monthly, a flexible excess, lifetime no claims bonus and your choice of repairer. Give our specialist insurance team a call or get your quote online today.
Choose car insurance to match your needs, with no extra charges to pay monthly, a flexible excess, lifetime no claims bonus and your choice of repairer. Give our specialist insurance team a call or get your quote online today.
New car if written off
Yes - within 2 years of original registration
Rental car after theft
Yes - Up to 14 days, max $100 per day.
Rental car after accident
Not at fault - Yes. At fault - Optional Extra. Not at fault - Up to 14 days, max $100 per day. At fault - Up to 14 days, max $80 per day.
Windscreen cover
Yes - standard excess. Option to reduce excess for first windscreen claim each year to $0 for an additional premium.
Modifications
Covered only if agreed in writing.
Young driver excess imposed
Depending on state between $300 and $700 for listed drivers under 25, $1,500 for unlisted drivers under 25, $400 for inexperienced drivers over 25.
Roadside assistance
No
Other benefits
Lifetime No Claim Bonus available to customers who are over 25 years of age, have been insured with Bank of Queensland for 3 consecutive years on the maximum No Claim Bonus and have not had any penalty claims in those 3 years.
Get car insurance you can count on with up to 40,000 Qantas Points when you join by 28 February. Make this the year you start enjoying more rewarding car insurance. Points awarded will be based on your premium. T&Cs & eligibility apply.
Get car insurance you can count on with up to 40,000 Qantas Points when you join by 28 February. Make this the year you start enjoying more rewarding car insurance. Points awarded will be based on your premium. T&Cs & eligibility apply.
New car if written off
Yes - within 2 years and 40,000 km of original registration
Rental car after theft
Yes - Up to 14 days, max $1,000
Rental car after accident
Not at fault - Yes. At fault - Optional Extra. Up to 14 days.
Windscreen cover
Yes - standard excess. Option to reduce windscreen excess to $40 for an additional premium.
Modifications
Covered only if agreed in writing.
Young driver excess imposed
$600 for drivers under 21, $500 for drivers aged 21 to 24 inclusive, $600 for unlisted drivers, $500 for inexperienced drivers.
Roadside assistance
Optional Extra
Other benefits
Earn up to 40,000 Qantas Points when you sign up by 28 February 2021. Points earned depend on the amount spent on your premium. Points earn thresholds and T&Cs apply.
Stella are changing the tune on car insurance, offering car insurance made especially for women. Features include no claim reward, new car replacement, customise your policy and more. Enter your car rego and get a quick quote online.
Stella are changing the tune on car insurance, offering car insurance made especially for women. Features include no claim reward, new car replacement, customise your policy and more. Enter your car rego and get a quick quote online.
New car if written off
Yes - within 3 years and 60,000 km of original registration
Rental car after theft
Yes - Up to 14 days.
Rental car after accident
Not at fault - yes. At fault - Optional Extra. Up to 14 days.
Windscreen cover
Yes - standard excess. Option to reduce windscreen excess to $0 on every windscreen claim for an additional premium.
Modifications
Covered only if agreed in writing.
Young driver excess imposed
$600 for listed drivers under 25. $1,600 for unlisted drivers under 25
Flexible, great value comprehensive car insurance for every-day Australians. Option-up your cover to suit your needs. And our $75 online discount makes the choice even easier. Winner of Mozo's Exceptional Value Car Insurance 2020.^
Flexible, great value comprehensive car insurance for every-day Australians. Option-up your cover to suit your needs. And our $75 online discount makes the choice even easier. Winner of Mozo's Exceptional Value Car Insurance 2020.^
New car if written off
Yes - within 3 years and 60,000 km of original registration
Rental car after theft
Yes - Up to 14 days.
Rental car after accident
Not at fault - yes. At fault - Optional Extra. Up to 14 days.
Windscreen cover
Yes - standard excess ($0 excess for repair only). Option to reduce windscreen replacement excess to $0 for an additional premium.
Modifications
Automatically covered.
Young driver excess imposed
$600 for listed drivers under 25, $1,600 for unlisted drivers under 25.
Bingle keeps car insurance simple - choose between Comprehensive and Third Party Car Insurance. Comprehensive covers you for accidental loss or damage to your own car caused by insured events such as accidents, theft, storms, fire.
Monthly premiums
Yes Costs Extra
Choice of repairer
No
Choice of excess
$650 - $795 As A Fixed Excess; Varying Between States
Bingle keeps car insurance simple - choose between Comprehensive and Third Party Car Insurance. Comprehensive covers you for accidental loss or damage to your own car caused by insured events such as accidents, theft, storms, fire.
New car if written off
Optional Extra - within 3 years of original manufacture
Rental car after theft
Optional Extra - Unlimited days.
Rental car after accident
Not at fault - Optional Extra. At fault - Optional Extra. Unlimited days.
Windscreen cover
Optional - reduce windscreen excess to $0 on every windscreen claim for an additional premium.
Modifications
Automatically covered. Does not include aftermarket paint, turbochargers, nitrogen fuel or roll cages.
Young driver excess imposed
$600 for drivers under 25, $1,950 for unlisted drivers over 25.
Easier, better, smarter car insurance. Say g’day to Poncho. They've taken the complicated out of car insurance and created a new route that's simple, u-turn free and keeps you in the driver’s seat. No cancellation fees, 24/7 online claims service and a policy that works just like a monthly subscription.
Easier, better, smarter car insurance. Say g’day to Poncho. They've taken the complicated out of car insurance and created a new route that's simple, u-turn free and keeps you in the driver’s seat. No cancellation fees, 24/7 online claims service and a policy that works just like a monthly subscription.
New car if written off
Yes - within 15,000km of original registration
Rental car after theft
Yes - Up to 14 days, max $50 per day
Rental car after accident
Yes - Up to 14 days, max $50 per day
Windscreen cover
Yes - $0 windscreen excess
Modifications
Covered only if agreed in writing.
Young driver excess imposed
No additional excess for young drivers. $3,000 for unlisted drivers
Making sure your car insurance is about where you’re at right now could save you lots. Start a quote with Youi today and see what you could save. Exceptional Value Car Insurance award winner in 2020.^
Monthly premiums
Yes Costs Extra
Choice of repairer
Optional Extra
Choice of excess
$400 - $2,500
Agreed or market value
Agreed Or Market
Available discounts
20% Discount On Contents Insurance If Youi Car Insurance Also Held
Making sure your car insurance is about where you’re at right now could save you lots. Start a quote with Youi today and see what you could save. Exceptional Value Car Insurance award winner in 2020.^
New car if written off
Yes - within 2 years and 40,000 km of original registration
Rental car after theft
Yes - Up to 14 days.
Rental car after accident
Not at fault - Yes. At fault - Optional Extra. Up to 14 days.
Windscreen cover
Yes - standard excess. Option to reduce windscreen excess for an additional premium.
Modifications
Covered only if agreed in writing.
Young driver excess imposed
$600 for listed drivers under 25, $2,000 for unlisted drivers under 25
Take advantage of Woolworth's Price Beat on any comparable Comprehensive renewal notice if you're over 25. Buy online and you could save up to 15% on your premium. Features Drive Less, Pay Less to reduce premiums. Get a quote today. Winner in Exceptional Value Car Insurance Award 2020.^
Monthly premiums
Yes Costs Extra
Choice of repairer
No
Choice of excess
$500 - $2,000
Agreed or market value
Agreed Or Market
Available discounts
Online Discount 10%
10% Promotional Discount
5% Discount If You Exclude Drivers Under 25
Drive Less Pay Less Option To Reduce Premiums For Limited Kilometres.
Take advantage of Woolworth's Price Beat on any comparable Comprehensive renewal notice if you're over 25. Buy online and you could save up to 15% on your premium. Features Drive Less, Pay Less to reduce premiums. Get a quote today. Winner in Exceptional Value Car Insurance Award 2020.^
New car if written off
Yes - within 2 years of original registration
Rental car after theft
Yes - Up to 14 days, max $70 per day.
Rental car after accident
Optional Extra. Up to 20 days, max $70 per day.
Windscreen cover
Yes - standard excess. Option to reduce excess for first front windscreen claim each year to $0 for an additional premium.
Modifications
Covered only if agreed in writing.
Young driver excess imposed
$1,800 for listed drivers under 18, $800 for listed drivers between 18 and 21, $2,600 for unlisted drivers under 18, $1,600 for unlisted drivers between 18 and 21, $800 for inexperienced drivers over 25, $800 for learner drivers.
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.
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Car insurance resources
Reviews, news, tips and guides to help find the best car insurance for you.
A new or recent model car is likely to be the second biggest purchase you’ll make in your life. So, it’s worth protecting with comprehensive car insurance. But let’s be honest, while cars are amazing, both for what they are and what they enable you to do, researching car insurance options can take some of the shine off your experience.
Annual or monthly premiums, no-claim bonuses, high or low excess, online discounts, new for old replacement, the options and details can be dizzying. Which is why so many people don’t even look at their policies before renewing.
But a bit of research can save you plenty. At Mozo, we’ve done all the digging for you - sifting through policies to make them easy to compare. We break them down so you can see the features that are important to you like windscreen damage, rental car during repairs, and if younger drivers are covered on your policy.
Head to Mozo.com.au to compare car insurance policies and find the right insurance for you and your car - and save your hard earned cash for other purchases.
One of the best things about the car insurance market in Australia is that you’ve got plenty of choice. But often having so many options and variable quotes can make it hard to ensure you're being offered a good deal.
First you need to make in-depth comparisons between the insurance providers and the car insurance policies they offer. This should take into account the policy features and levels of cover to make sure your set of wheels are covered for a range of events. Then you also need to make sure the cover you opt for won’t break the bank.
Mozo’s car insurance policy snapshot table featured above provides an easy way to compare car insurance online. At a glance, you’ll be able to compare a range of important features like which discounts are on offer, whether you have the flexibility to choose your repairer, the excess levels, and how long it will take you to get a quote.
If you’re a super savvy researcher, you can dig that little bit deeper by hitting the ‘Details’ button where you’ll find even more information about the events covered and extra services available.
Once you’ve shortlisted the policies based on your needs, with some providers you can click the ‘Go to Site’ button which will take you to the provider’s website where you can get a customised quote.
Haven’t got the time right now? We’ve summarised the must-knows for you in the FAQs list below.
How does car insurance work?
Depending on the level of car insurance you purchase, this type of insurance policy covers you financially if you cause damage to your own and other people’s vehicles and property. It also relates to costs associated with physical injuries.
When you take out a car insurance policy, you’ll pay an agreed-upon premium (generally annually or monthly). This will need to be renewed at the end of each policy period.
The amount you pay corresponds with specified circumstances and items, and will help determine what your insurance company will pay out if you make a car insurance claim.
To make a claim the accident or event needs to be within the agreed parameters of your policy. When you make a claim, contact your provider and they’ll lead the process from there. Remember: there are some things that are not covered by car insurance. Make sure you know what isn't covered by your policy before beginning a claim.
If your claim is successful, you’ll often be required to pay an excess before the agreed-upon costs are covered. Then, voilà! You’ve taken out a car insurance policy and made a car insurance claim.
What levels of car insurance cover are there?
Car insurance might seem confusing, especially if you’re a first time insurance customer. The first thing to understand are the three tiers of car insurance policies: CTP (also known as compulsory third party), third party property car insurance, and comprehensive car insurance.
Compulsory third party (CTP)
Compulsory third party (CTP) is also known as a greenslip and is required in Australia by law when you register your vehicle.
It provides the driver legal liability cover for injuries or death for which they’re responsible. How you go about procuring your CTP insurance differs slightly based on the state or territory you live in.
Third party property car insurance
Third party property car insurance is optional and covers damage to another person’s property but not to your own car. Third party is generally cheaper than a comprehensive policy and may be right for you if your wheels aren’t worth much.
Fire and theft is a popular additional option to this level of cover for people who park their cars in the street or live in an area with a high crime rate. It protects your car against damage caused by fire or theft, but not in the event of an on-the-road accident.
Comprehensive car insurance
These are the types of policies you’ll find compared in Mozo's product tables and are the highest level of car insurance. Comprehensive car insurance will cover you against accidental damage to other people’s property but also to any damage to your own vehicle, even if the accident is your fault.
Depending on the individual policy, comprehensive car insurance policies can cover you for damage to personal property within your car or the use of a rental car, as well as a host of other features.
While a comprehensive policy is the most expensive policy option, it can be made more affordable through a range of discounts, sign-on offers, and clever shopping around.
What will affect the cost of my car insurance?
The cost of a comprehensive car insurance policy can change pretty significantly depending on who is asking for the quote. Every car insurance company uses a different formulae to calculate premiums, so you never can tell exactly what determines the cost. Some commonly influential factors include:
Your age and gender. For example, younger male drivers are generally considered to be more of a risk to insure than older women.
The age and colour of the vehicle. Newer, more expensive cars cost more to cover.
Where you live and whether your car is garaged.
Projected mileage. Some offer cheaper premiums for Aussies who don’t use their cars so often.
How heavily some of these factors weigh in the insurance company’s calculations differs. With each provider putting a different price tag on your policy, it's super important to shop around and not just go with the first quote you get.
How else can I save on my car insurance?
There are a range of discounts up for grabs so you can reduce your premium. Each provider and car insurance policy is different, but across the market you could see the following discounts being offered.
Multi-policy discount
Some providers don’t just cover your vehicle needs but also operate in home insurance or life insurance. They can reward you with discounts depending on the amount of policies you take out with them.
Online discount
Some policies will be slashed (often for the first year) if you take them out online rather than in person at a branch. This is because it's essentially a more efficient, cost-effective way for the provider to sign-on new customers.
Restricted driver discount
If you can guarantee there won’t be many drivers or restrict the age of the drivers listed on your policy, you could also be up for a discount on your premium.
Family discount
If your parents have a car insurance policy with the same provider, you may be able to nab a discount on your own policy which is handy if you’re a first time car insurance customer. You might even be able to get a no-claims discount if you have been listed on your parents' insurance policy and not made a claim.
Loyalty discount
If you’ve held the same policy for a number of years, some car insurance providers will offer you a discount when it comes to renewal time. If they don’t, you should ask for one!
Fuel efficient discount
An increasingly popular discount in the car insurance market is to reward customers who choose an eco-friendly vehicle. If your car is fuel efficient or a green electric car, look out for policies that will slash your premium thanks to your environmentally-conscious ways.
What is a policy excess?
The ‘excess’ is the amount of money you’ll have to pay your insurance provider upfront if you make a claim. Most offer you the option to choose your own excess level or give you a certain degree of leeway.
If you choose a really high excess, your premium will be cheaper but you’ll need to pay a higher amount to access your coverage when you make a claim. There are some basic excesses you might be required to pay including:
Age excess: This could be imposed if the driver making the claim is under the age of 25 and may be even pricier if the driver is under the age of 21. Young driver excesses can range between approximately $500 and $800, then upwards of $1,000 for unlisted young drivers.
Unlisted driver excess: If you want to make a claim and the driver who was involved in an accident is not listed on the policy, it is likely you'll be asked to stump up an unlisted driver excess. This amount could be in the $800 ballpark, or closer to $1,400 for younger drivers.
Inexperienced driver excess: If you’re over the age of 25 but you’ve held a driver’s licence for less than two years, you might still have to pay an additional inexperienced driver excess, often similar to young driver prices.
Windscreen excess: Some policies will provide windscreen or glass cover but charge a smaller excess than normal for you to access that particular feature. For instance, you might have a $750 excess if you’re involved in an accident but if you chip your windscreen you might only have to pay a $100 excess. Other policies will even offer excess-free windscreen cover.
What are some of the extras to compare and consider with comprehensive cover?
Car insurance policies are a little like snowflakes, no one policy is the same as the next. Some may come with features as standard, while others will require you to opt-in. Generally speaking, the more feature-rich your policy is the more expensive it will be. Some features to consider include:
Windscreen cover: Windscreen cover is sometimes an additional extra you’re required to ask for when taking out your policy. This will cover any damage to your windscreen or any glass on your vehicle. Remember, you might have to pay an excess to use this feature of your policy.
Choice of repairer: Being able to choose your own repairer is available on some high-end comprehensive car insurance policies. This is a great option if you have a trusted mechanic or panel beater in mind and want them to see to all repairs.
Hire car cover: If your vehicle is facing a stint on the sidelines, how will you get about? This is where hire car cover kicks in. Some providers won’t include it as standard at all, while others might only cover the costs of your rental if your car is stolen and not damaged or vice versa.
Personal property cover: This kicks in if your car is raided or you’re in an accident and your fancy sunnies are damaged. Each policy will have a different cap, so keep that in mind if you often leave valuables in your car.
Roadside assistance: Roadside assistance is the helping hand that comes to the rescue when you’re broken down. Most insurance companies won’t offer this as standard, but some do. If you like the added security of knowing your immediate mechanical solutions will be met, keep an eye out for this additional extra.
Making a car insurance claim
We hope that this is just useful background info, but it’s important you know what to do after you’ve been in an accident and how to go about making a claim.
You’re going to need to have a few things on hand so that the claims process runs as smoothly as possible. First of all, you’ll have to know the details of the accident including:
the date and time
the location of accident or incident
other driver’s details (including the phone number and licence details)
any witness statements / other road-users involved.
any photo evidence
a police report (if applicable)
The majority of car insurance providers are riding the digital wave and will allow you to lodge and keep track of your claim online. But if you prefer to keep it old-school you can just as easily call your car insurance provider up. Some are available via phone 24/7 so that you can make a claim whenever you want.
When you make a claim on your insurance, you’ll have to pay your insurance excess upfront before any repair work begins on your car. Some other expenses to be aware of after a claim could include an increase in premium the following year, or if it was an at fault accident, a possible hit to your hard-earned no claims bonus.
Your provider will base the cost of the insurance on the state or territory in which the car is registered, as well as your permanent address. If you drive interstate for a holiday or short-term period, your car insurance will be valid if you are in an accident.
If you're planning on spending a lot of time away from your registered address it's a good idea to check with your insurance company to see if they have any limits on the number of days you can be out of the state and still be covered.
Most car insurance companies operate Australia-wide, but if you are looking to compare car insurance policies specifically in your state, Mozo has the details on localised providers, including those in:
A ‘no claims bonus’ is a discount that is applied to car insurance policyholders who have a clean track record and haven’t made any claims against their car insurance.
There are generally different discount tiers that apply depending on how long you’ve kept a claim-free history, but this amount can reach as high as 70% of your premium with some providers. The no claims period you’ve built up with one provider, in most cases, can be transferred to another. Keep in mind you might not be offered the same discounted rate.
When comparing comprehensive car insurance online, you’re bound to come across the terms 'market value' and 'agreed value'. We have a dedicated guide to help you understand the difference. In short, market value is the amount your car would fetch on the open market while agreed value is a predetermined amount you and your insurance company agree to cover your car for.
These figures become important when you make a claim or your car is written off in an accident or insured event.
If your car is deemed a write-off, your comprehensive car insurance policy will step in and either pay out the amount you are insured for, or pay for the purchase of a new car, minus your excess.
A car is considered a write-off when the costs to repair the damage outweighs the value of the vehicle. This will be determined by your insurance provider assessors.
If you’ve recently kitted your car out with a sweet stereo system or aftermarket sunroof, you have the choice of insuring your car for these additions or not. If you don’t upgrade your comprehensive insurance and then find yourself in an accident, your claimed may be denied if the modification wasn’t listed on your policy.
Not all modifications will cause your insurance premium to increase. Some mods like an alarm system could even result in a premium reduction.
It's worth checking prior to making modifications to make sure it won’t void your car insurance. The last thing you want is to get your car detailed and find out the insurance company has a policy against insuring cars with a matt black paint job.
Most car insurance policy quotes are worked on an annual basis. While you will have the option to pay your insurance policy in full when signing up, there might be the option to pay for the cost in monthly instalments. With some providers, this feature is offered at no extra cost, while others will include a small fee.
If you do opt for the monthly feature, it is a good idea to sign up for a direct debit so you don’t always have to remember your repayment date. There's nothing worse than going to make a claim only to find you’ve missed a payment and voided your insurance!
The simple answer is yes, you can have a learner driver listed on your car insurance policy.
Depending on which company you go with, your child may or may not already be automatically covered. If they’re not, you will have to update your policy either online or over the phone to include them.
If you’re not sure whether your policy covers learner drivers, the safest thing to do is check. You can either give your insurance provider a quick call or read through your policy's Product Disclosure Statement (PDS).
You may have to pay a higher excess if you make a claim when a learner is in the driver's seat. This could be a learner driver excess, a young driver excess, an inexperienced driver excess or an undeclared driver excess.
If your child has their own car, it's a good idea to get it insured in their name sooner rather than later. That way they can start building up a no-claims bonus. For details, check out our full guide on learner drivers insurance.
You won’t necessarily have to take out your own car insurance policy once you get your provisional licence or Ps. This is only necessary if you purchase your own car that's registered in your name. If you’re under 25 you can usually stay on your parents' insurance policy if you are driving a family car.
Young drivers car insurance will probably be more expensive. This is because car insurance companies typically take into account how much driving experience you have when determining the cost of your premium. Statistically, younger drivers are more likely to have accidents than older drivers, and therefore premiums go up accordingly.
One good thing about opting for your own car insurance policy – rather than just being included on your parents' – is that you’ll be able to start building up your no claims bonus policy discount.
Of course you could just as easily lose it if you are involved in an at-fault accident, or share equal responsibility for a crash.
As a personal finance writer at Mozo, Olivia investigates insurance, banking and property. After completing a double degree in journalism and media and communications, Olivia became a lifestyle editor at Time Out Sydney and freelanced for notable publications such as Guardian Australia and SBS News. Now she is Mozo’s resident car insurance enthusiast, and is certified (ASIC RG146 Tier 2) to provide general advice in general insurance. She also creates audible finance adventures as co-host of Mozo’s podcast, The Finance Burrito.
A week after taking insurance out with Budget my wifes Audi Q3 was stolen from opposite a school in Beenleigh. It was recovered within hours a few km down the road. The infotainment screen was smashed and it had a few minor scratches on the front bumper which was resprayed. Audi re-programmed a new screen and checked mechanicals. Needed a groom to remove police print dusting. Twelve months later we go to renew the policy and it is refused based on this event. Budget cannot give a valid reason why they will not renew the policy or re-assess. Budget state it was because of this event, but it is the exact reason why you take out insurance. They seem to only like clean skin clients and if not will leave you with a decline on insurance which has to me declared to a new insurer.
A week after taking insurance out with Budget my wifes Audi Q3 was stolen from opposite a school in Beenleigh. It was recovered within hours a few km down the road. The infotainment screen was smashed and it had a few minor scratches on the front bumper which was resprayed. Audi re-programmed a new screen and checked mechanicals. Needed a groom to remove police print dusting. Twelve months later we go to renew the policy and it is refused based on this event. Budget cannot give a valid reason why they will not renew the policy or re-assess. Budget state it was because of this event, but it is the exact reason why you take out insurance. They seem to only like clean skin clients and if not will leave you with a decline on insurance which has to me declared to a new insurer.
Bingle's comprehensive car policy is one of the cheaper policies on the market. Unfortunately that isn't the same thing as value for money. Everything is fine with Bingle as long as you don't require any customer service quickly, e.g. to arrange a tow after a breakdown. No readily available contact number / personnel other than online. Which doesn't help when you have to get a vehicle off a busy road. If you want cheap insurance Bingle is worth looking at but make sure you have external roadside assist or emergency back up with someone else, e.g. RACV. Don't rely on Bingle's roadside assist. Bingle customer service isn't great. They say they are an online insurer and that is exactly how it works. Don't expect someone to pick up the phone in an emergency and always have your mobile device battery charged if you need to make contact with them. Don't risk insuring with them if you travel in remote areas.
Bingle's comprehensive car policy is one of the cheaper policies on the market. Unfortunately that isn't the same thing as value for money. Everything is fine with Bingle as long as you don't require any customer service quickly, e.g. to arrange a tow after a breakdown. No readily available contact number / personnel other than online. Which doesn't help when you have to get a vehicle off a busy road. If you want cheap insurance Bingle is worth looking at but make sure you have external roadside assist or emergency back up with someone else, e.g. RACV. Don't rely on Bingle's roadside assist. Bingle customer service isn't great. They say they are an online insurer and that is exactly how it works. Don't expect someone to pick up the phone in an emergency and always have your mobile device battery charged if you need to make contact with them. Don't risk insuring with them if you travel in remote areas.
They have absolutely screwed me with their decision to repair instead of write it off. The repairer recommend that the car be written off but Bingle decided fixing it would be cheaper and better for them. Meanwhile the assessor admitted to me that it is hard to get parts for this car. Yet they still decided that fixing it would be better. I have now been without my car for over two months. The repairer is out of pocket for the parts they have fixed. They have not reimbursed me for our excess, our car seats or number plates. We are out of pocket almost $2000. There is no ETA on when parts will be available, all they can say is it won't be before Christmas. How is this fair and reasonable?, what is a reasonable amount of time to wait? I feel they should have written my car off as they knew it would likely take a substantial amount of time to fix and the damage to the front, rear, airbags was substantial. They have accepted no responsibility and have basically said "too bad".
They have absolutely screwed me with their decision to repair instead of write it off. The repairer recommend that the car be written off but Bingle decided fixing it would be cheaper and better for them. Meanwhile the assessor admitted to me that it is hard to get parts for this car. Yet they still decided that fixing it would be better. I have now been without my car for over two months. The repairer is out of pocket for the parts they have fixed. They have not reimbursed me for our excess, our car seats or number plates. We are out of pocket almost $2000. There is no ETA on when parts will be available, all they can say is it won't be before Christmas. How is this fair and reasonable?, what is a reasonable amount of time to wait? I feel they should have written my car off as they knew it would likely take a substantial amount of time to fix and the damage to the front, rear, airbags was substantial. They have accepted no responsibility and have basically said "too bad".
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