


Mozo experts choice awards won:
- Exceptional Value Car Insurance - 2024
- Exceptional Value Young Driver Insurance - 2024
- Exceptional Value Senior Driver Insurance - 2024
Gold Comprehensive Car Insurance
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.
-
Monthly premiums
-
Yes costs extra
-
Choice of repairer
-
Optional Extra
-
Choice of excess
-
$550 - $1,900 (varies by state)
-
Agreed or market value
-
Agreed or Market
Available discounts
- No claim discount
- Online discount 15% off the first year's premium for new policies purchased online. T&C's apply.
- Monthly premiums available
-
Yes costs extra
- Choice of repairer
-
Optional Extra
- Choice of excess
-
$550 - $1,900 (varies by state)
- Agreed or market value
-
Agreed or Market
- Discounts available
-
-
- States where offered
-
SA VIC TAS NSW ACT QLD WA
- Roadside assistance
-
Optional Extra
- Genuine parts
-
No
- New car if written off
-
Yes - within 2 years or 40,000 kilometres of original registration, whichever comes first
- Windscreen cover
-
Yes - standard excess. Option to reduce windscreen excess to $40 on every windscreen claim for an additional premium.
- Personal property cover
-
Personal effects cover in the event of a collision, theft or forced entry (up to $500)
- Replacement key cover
-
Up to $1,000 if stolen.
- Baby capsule or child seat cover
-
Child seat or capsule cover in the event of a collision, theft or forced entry (up to $500)
- Trailer or caravan cover
-
Up to $1,000.
- Modifications
-
Covered only if agreed in writing.
- Emergency repairs
-
Up to $500
- Emergency options
-
Automatic inclusion of up to $1,000 for emergency transport and accommodation (max $200 per day).
- Rental car after theft
-
Yes - Up to 14 days, max $1,000 total.
- Rental car after accident
-
Not at fault - Yes. At fault - Optional Extra. Up to 14 days for at fault accidents.
- Rental car liability
-
Yes - legal liability cover when using a substitute vehicle.
- Legal liability cover
-
$20,000,000
- Accidental death of driver
-
$5,000 within 12 months of accident.
- Young driver excess imposed
-
$600 for drivers under 21, $500 for drivers under 24, $600 for unlisted drivers, $500 for inexperienced drivers.
- Rideshare cover
-
No
- Other restrictions
-
-
- Other benefits
-
-
- Online discount
-
15% off the first year's premium for new policies purchased online. T&C's apply.
- Multi-policy discount
-
-
- No claim discount
-
Yes
- Low km discount
-
No
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.
Read reviews and learn more about Budget Direct car insurance
Go to site


Mozo experts choice awards won:
- Exceptional Value Car Insurance - 2024
- Exceptional Value Young Driver Insurance - 2024
Comprehensive Car Insurance
ROLLiN’ offers affordable monthly comprehensive car insurance with its fave extras included. That means hire car (up to $80 per day for up to 21 days), no excess on your first covered windscreen, sunroof, and window glass damage once per insurance period and cover for one tow to their nearest authorised repairer, following a covered incident. Lodge a claim online 24/7, zero cancellation fees and no additional excess for young drivers.
-
Monthly premiums
-
Yes
-
Choice of repairer
-
No
-
Choice of excess
-
$800 flat excess fee
-
Agreed or market value
-
Agreed
Available discounts
- Get 10% off the base premium for the first 2 consecutive monthly policies and up to a 15% potential monthly discount from your 3rd month for being a safer driver. Minimum premiums may apply. T&Cs apply.
- Monthly premiums available
-
Yes
- Choice of repairer
-
No
- Choice of excess
-
$800 flat excess fee
- Agreed or market value
-
Agreed
- Discounts available
-
Get 10% off the base premium for the first 2 consecutive monthly policies and up to a 15% potential monthly discount from your 3rd month for being a safer driver. Minimum premiums may apply. T&Cs apply.
- States where offered
-
SA VIC NT TAS NSW ACT QLD WA
- Roadside assistance
-
No
- Genuine parts
-
Yes - If car is under 3 years old.
- New car if written off
-
Yes - within 15,000km of original registration
- Windscreen cover
-
Yes - one claim can be made per Insurance Period, with $0 windscreen excess
- Personal property cover
-
No
- Replacement key cover
-
Up to $1,000 if stolen
- Baby capsule or child seat cover
-
Up to $1,000
- Trailer or caravan cover
-
Up to $1,000 for trailer only.
- Modifications
-
Covered only if agreed in writing.
- Emergency repairs
-
Up to $500
- Emergency options
-
Reasonable costs. Up to $500 accommodation and travel cost if greater than 200km from home
- Rental car after theft
-
Yes - Up to 21 days, max $80 per day after a covered event
- Rental car after accident
-
Yes - Up to 21 days, max $80 per day after a covered event
- Rental car liability
-
No
- Legal liability cover
-
$20,000,000
- Accidental death of driver
-
No
- Young driver excess imposed
-
No additional excess for young drivers. $3,000 for unlisted drivers
- Rideshare cover
-
No
- Other restrictions
-
-
- Other benefits
-
Optional benefit to boost the Single Car Value by 15%, it will be shown on your Insurance Certificate
- Online discount
-
n/a
- Multi-policy discount
-
-
- No claim discount
-
No
- Low km discount
-
No
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.
Read reviews and learn more about ROLLiN' car insurance
Go to site
Mozo people's choice awards won:
Find out more about Mozo’s Car Insurance Awards.Comprehensive Car Insurance
Youi like to get to know you from the very first conversation, which provides you with the opportunity to find comprehensive car insurance cover that could better suit your lifestyle and your needs. Because we’re all individuals, so we all use our cars differently from day-to-day. Youi is car insurance that’s a bit more you-shaped. Mozo People's Choice Excellent Customer Service Car Insurance award winner in 2024.
-
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
- Monthly premiums available
-
Yes costs extra
- Choice of repairer
-
Optional Extra
- Choice of excess
-
$400 - $2,500
- Agreed or market value
-
Agreed or Market
- Discounts available
-
-
- States where offered
-
SA VIC TAS NSW ACT QLD WA
- Roadside assistance
-
Yes
- Genuine parts
-
Yes - If car is under 3 years old.
- New car if written off
-
Yes - within 2 years and a listed driver is the first registered owner
- Windscreen cover
-
Yes - standard excess. Option to reduce windscreen excess to $50 for an additional premium.
- Personal property cover
-
Up to $750 total or $150 per item if damaged or stolen.
- Replacement key cover
-
Up to $1,000 if stolen.
- Baby capsule or child seat cover
-
Reasonable cost
- Trailer or caravan cover
-
Up to $1,500.
- Modifications
-
Covered only if agreed in writing.
- Emergency repairs
-
Up to $1,000 combined with emergency options
- Emergency options
-
Towing costs. Up to $1,000 travel, accommodation and emergency repair costs if greater than 100 km from home.
- 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.
- Rental car liability
-
Yes - legal liability cover when using a substitute vehicle.
- Legal liability cover
-
$20,000,000
- Accidental death of driver
-
No
- Young driver excess imposed
-
Unlisted and aged 25 and over: $700, Unlisted and aged under 25: $2,000, Listed and aged under 25: $600
- Rideshare cover
-
Optional Extra
- Other restrictions
-
-
- Other benefits
-
-
- Online discount
-
n/a
- Multi-policy discount
-
-
- No claim discount
-
No
- Low km discount
-
Yes
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.
Read reviews and learn more about Youi car insurance
Go to site-
Comprehensive Car Insurance
-
Monthly premiums
-
Yes costs extra
-
Choice of repairer
-
No
-
Choice of excess
-
$695 - $2,245
-
Agreed or market value
-
Agreed or Market
Available discounts
- No claim discount
- Online discount $50 off the first year's premium
- Discount on Home and Contents Insurance if held
- Under 25s can get 10% discount by completing AAMI Skilled Driver Course.
- Monthly premiums available
-
Yes costs extra
- Choice of repairer
-
No
- Choice of excess
-
$695 - $2,245
- Agreed or market value
-
Agreed or Market
- Discounts available
-
Under 25s can get 10% discount by completing AAMI Skilled Driver Course.
- States where offered
-
SA VIC NT TAS NSW ACT QLD WA
- Roadside assistance
-
Optional Extra
- Genuine parts
-
No
- New car if written off
-
Yes - within 2 years of original registration
- Windscreen cover
-
Yes - standard excess. Option to reduce windscreen excess to $0 for an additional premium.
- Personal property cover
-
Up to $1,000 if damaged or stolen, combined with emergency repairs and options.
- Replacement key cover
-
No
- Baby capsule or child seat cover
-
Up to $500 per item.
- Trailer or caravan cover
-
Up to $1,000 for trailer only
- Modifications
-
Automatically covered
- Emergency repairs
-
Up to $1,000 combined with personal property and emergency options.
- Emergency options
-
Reasonable towing costs. Up to $1,000 accommodation costs if greater than 100 km from home (combined with personal property and emergency repairs). $250 for travel cost per incident.
- Rental car after theft
-
Yes - Up to 21 days.
- Rental car after accident
-
Not at fault - Yes. At fault - Optional Extra. Unlimited days, max $90 per day.
- Rental car liability
-
Yes - legal liability cover, accidental loss and damage when using a substitute vehicle.
- Legal liability cover
-
$20,000,000
- Accidental death of driver
-
No
- Young driver excess imposed
-
$400 for listed drivers under 25, $1,400 for unlisted drivers under 25, $400 for listed inexperienced drivers over 25, $1,400 for unlisted inexperienced drivers over 25, $400 for learner drivers.
- Rideshare cover
-
Optional Extra
- Other restrictions
-
-
- Other benefits
-
-
- Online discount
-
$50 off the first year's premium
- Multi-policy discount
-
Discount on Home and Contents Insurance if held
- No claim discount
-
Safe Driver Rewards discount is protected if no more than 1 claim is made per renewal period
- Low km discount
-
Yes
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.
Read reviews and learn more about AAMI car insurance
Comprehensive Cover
-
Monthly premiums
-
Yes
-
Choice of repairer
-
Yes
-
Choice of excess
-
$200 - $2,000
-
Agreed or market value
-
Agreed
Available discounts
- No claim discount
- Safe driver discount for eligible drivers
- Monthly premiums available
-
Yes
- Choice of repairer
-
Yes
- Choice of excess
-
$200 - $2,000
- Agreed or market value
-
Agreed
- Discounts available
-
Safe driver discount for eligible drivers
- States where offered
-
SA VIC NT TAS NSW ACT QLD WA
- Roadside assistance
-
Optional Extra
- Genuine parts
-
No
- New car if written off
-
Yes - within 2 years of original registration
- Windscreen cover
-
Yes - standard excess. Option to reduce excess for first windscreen replacement claim and first two repairs each year to $0 for an additional premium.
- Personal property cover
-
Up to $500 if damaged or stolen.
- Replacement key cover
-
Up to $1,000 if stolen.
- Baby capsule or child seat cover
-
Up to $500
- Trailer or caravan cover
-
No
- Modifications
-
Covered only if agreed in writing.
- Emergency repairs
-
Up to $500
- Emergency options
-
Reasonable towing costs and up to $500 in travel costs. Up to $500 in accommodation costs if greater than 100km from home.
- Rental car after theft
-
Yes - until claim is paid out. If no rental car is available, travel allowance of max $50 per day is paid.
- Rental car after accident
-
Not at fault - Yes. At fault - Optional Extra. Until car is repaired, or claim is paid out. If no rental car is available, travel allowance of max $50 per day is paid.
- Rental car liability
-
Yes - legal liability cover when using a substitute vehicle. $2,000 contribution towards excess or security bond when using a hire car after an event.
- Legal liability cover
-
$20,000,000
- Accidental death of driver
-
No
- Young driver excess imposed
-
$600 for listed drivers under 25, $1,800 for unlisted drivers under 25.
- Rideshare cover
-
No
- Other restrictions
-
-
- Other benefits
-
-
- Online discount
-
n/a
- Multi-policy discount
-
-
- No claim discount
-
Protection of maximum no claim discount for 1 claim per period can be purchased with extra premium.
- Low km discount
-
No
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.
Read reviews and learn more about Allianz car insurance
Comprehensive Plus Car Insurance
-
Monthly premiums
-
Not disclosed
-
Choice of repairer
-
Optional Extra
-
Choice of excess
-
Not disclosed
-
Agreed or market value
-
Agreed or Market
Available discounts
- No claim discount
- Monthly premiums available
-
Not disclosed
- Choice of repairer
-
Optional Extra
- Choice of excess
-
Not disclosed
- Agreed or market value
-
Agreed or Market
- Discounts available
-
-
- States where offered
-
SA VIC NT TAS NSW ACT QLD WA
- Roadside assistance
-
No
- Genuine parts
-
Yes - If car is under 3 years old
- New car if written off
-
Yes - within 3 years of original registration
- Windscreen cover
-
Yes - $0 windscreen excess
- Personal property cover
-
Up to $1,000 if damaged or stolen.
- Replacement key cover
-
Up to $2,000 if stolen.
- Baby capsule or child seat cover
-
Replacement cost
- Trailer or caravan cover
-
Up to $1,500 for trailer or caravan excluding contents.
- Modifications
-
Covered only if agreed in writing.
- Emergency repairs
-
Up to $1,000
- Emergency options
-
Reasonable towing costs. Up to $1,500 for travel and accommodation costs if greater than 100 km from home.
- Rental car after theft
-
Yes - Unlimited days, max $100 per day
- Rental car after accident
-
Not at fault - Unlimited days, max $100 per day. At fault - No.
- Rental car liability
-
Yes - legal liability cover when using a substitute vehicle. $3,000 contribution towards excess or security bond when using a hire car after an event.
- Legal liability cover
-
$20,000,000
- Accidental death of driver
-
No
- Young driver excess imposed
-
Not disclosed
- Rideshare cover
-
Optional Extra
- Other restrictions
-
-
- Other benefits
-
-
- Online discount
-
n/a
- Multi-policy discount
-
-
- No claim discount
-
Not disclosed
- Low km discount
-
No
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.
Read reviews and learn more about ANZ car insurance
Comprehensive Car Insurance
-
Monthly premiums
-
Yes
-
Choice of repairer
-
No
-
Choice of excess
-
$650 - $1,645
-
Agreed or market value
-
Agreed or Market
Available discounts
- No claim discount
- Online discount 10% off first year's premium
- Multi policy discount of 10% off each new eligible policy with Apia.
- Customers who drive less than 20,000km per year can save up to 23%.
- Monthly premiums available
-
Yes
- Choice of repairer
-
No
- Choice of excess
-
$650 - $1,645
- Agreed or market value
-
Agreed or Market
- Discounts available
-
Customers who drive less than 20,000km per year can save up to 23%.
- States where offered
-
SA VIC NT TAS NSW ACT QLD WA
- Roadside assistance
-
Optional Extra
- Genuine parts
-
No
- New car if written off
-
Yes - within 2 years of original registration. New car after theft if less than 10 years old up to $40,000 limit
- Windscreen cover
-
Yes - standard excess. Option to reduce excess for first windscreen claim each year to $0 for an additional premium.
- Personal property cover
-
Up to $1,500 if damaged or stolen, limit combined with emergency repairs and emergency accommodation.
- Replacement key cover
-
No
- Baby capsule or child seat cover
-
Up to $750
- Trailer or caravan cover
-
Up to $2,000 for trailer only
- Modifications
-
Automatically covered.
- Emergency repairs
-
Up to $1,500 combined with emergency accommodation and lose/damage to personal property cover
- Emergency options
-
Cost of one tow. Up to $1,500 accommodation costs if greater than 100km from home combined with emergency repairs. Up to $500 for travel costs.
- Rental car after theft
-
Yes - Up to 21 days.
- Rental car after accident
-
Not at fault - Yes. At fault - Optional Extra. Unlimited days, max $90 per day.
- Rental car liability
-
Yes - legal liability cover, accidental loss and damage when using a substitute vehicle.
- Legal liability cover
-
$20,000,000
- Accidental death of driver
-
$5,000 within 12 months of accident.
- Young driver excess imposed
-
$1,500 for drivers under 25
- Rideshare cover
-
No
- Other restrictions
-
-
- Other benefits
-
-
- Online discount
-
10% off first year's premium
- Multi-policy discount
-
Multi policy discount of 10% off each new eligible policy with Apia.
- No claim discount
-
Maximum no claim discount is protected for life against claims after 3 years.
- Low km discount
-
Yes
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.
Read reviews and learn more about Apia car insurance
Comprehensive Car Insurance
-
Monthly premiums
-
Yes costs extra
-
Choice of repairer
-
Optional Extra
-
Choice of excess
-
$500 - $2,200
-
Agreed or market value
-
Agreed or Market
Available discounts
- Online discount $75 off first year's premium
- Monthly premiums available
-
Yes costs extra
- Choice of repairer
-
Optional Extra
- Choice of excess
-
$500 - $2,200
- Agreed or market value
-
Agreed or Market
- Discounts available
-
-
- States where offered
-
SA VIC TAS NSW ACT QLD WA
- Roadside assistance
-
No
- Genuine parts
-
Yes - If car was first registered less than 3 years ago when available
- New car if written off
-
Yes - within 3 years and 60,000 km of original registration
- Windscreen cover
-
Yes - standard excess ($0 excess for repair only). Option to reduce windscreen replacement excess to $0 for an additional premium.
- Personal property cover
-
Up to $1,000
- Replacement key cover
-
Yes if stolen.
- Baby capsule or child seat cover
-
Yes
- Trailer or caravan cover
-
Up to $1,000
- Modifications
-
Automatically covered.
- Emergency repairs
-
Up to $500
- Emergency options
-
Reasonable towing cost. Up to $1,000 for the reasonable cost of essential accommodation and transport, if the incident occurs more than 100km from home. $100 travel expenses.
- 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.
- Rental car liability
-
Yes - legal liability when using a substitute vehicle
- Legal liability cover
-
$30,000,000
- Accidental death of driver
-
No
- Young driver excess imposed
-
$600 for listed drivers under 25, $1,600 for unlisted drivers under 25.
- Rideshare cover
-
Yes
- Other restrictions
-
-
- Other benefits
-
-
- Online discount
-
$75 off first year's premium
- Multi-policy discount
-
-
- No claim discount
-
No
- Low km discount
-
No
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.
Read reviews and learn more about Australia Post car insurance
Seniors Comprehensive Car Insurance
-
Monthly premiums
-
Yes costs extra
-
Choice of repairer
-
No
-
Choice of excess
-
$500 - $5,000
-
Agreed or market value
-
Agreed
Available discounts
- 5% for seniors card holders
- Monthly premiums available
-
Yes costs extra
- Choice of repairer
-
No
- Choice of excess
-
$500 - $5,000
- Agreed or market value
-
Agreed
- Discounts available
-
5% for seniors card holders
- States where offered
-
SA VIC NT TAS NSW ACT QLD WA
- Roadside assistance
-
Optional Service
- Genuine parts
-
Yes - If car is under manufacturers standard new car warranty period.
- New car if written off
-
Yes - within 2 years of original registration
- Windscreen cover
-
Yes - standard excess. Option to reduce excess for first windscreen claim each year to $0 for an additional premium.
- Personal property cover
-
Up to $500 if damaged or stolen.
- Replacement key cover
-
Up to $1,000 if stolen.
- Baby capsule or child seat cover
-
Up to $500
- Trailer or caravan cover
-
Up to $1,000.
- Modifications
-
Covered only if agreed in writing.
- Emergency repairs
-
Up to $500
- Emergency options
-
Reasonable towing costs. Up to $500 travel and accommodation costs if greater than 200 km from home.
- Rental car after theft
-
Yes - Up to 14 days, max $50 per day.
- Rental car after accident
-
Optional Extra - Up to 14 days, max $50 per day.
- Rental car liability
-
Yes - legal liability cover when using a substitute vehicle.
- Legal liability cover
-
$20,000,000
- Accidental death of driver
-
No
- Young driver excess imposed
-
$1,200 for listed drivers under 21, $800 for listed drivers aged 21 to 24, $2,000 for unlisted drivers under 21, $1,600 for unlisted drivers between 21 and 25, $800 for inexperienced drivers over 25, $800 for learner drivers.
- Rideshare cover
-
No
- Other restrictions
-
-
- Other benefits
-
-
- Online discount
-
n/a
- Multi-policy discount
-
-
- No claim discount
-
No
- Low km discount
-
Yes
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.
Read reviews and learn more about Australian Seniors car insurance
Comprehensive Cover
-
Monthly premiums
-
Yes
-
Choice of repairer
-
Yes
-
Choice of excess
-
$600 - $2,100
-
Agreed or market value
-
Agreed or Market
Available discounts
- No claim discount
- Online discount up to 10% off for the first 12 months comprehensive premium
- Safe Driver Discount up to 5%
- Named Driver discount option
- Monthly premiums available
-
Yes
- Choice of repairer
-
Yes
- Choice of excess
-
$600 - $2,100
- Agreed or market value
-
Agreed or Market
- Discounts available
-
Safe Driver Discount up to 5%|Named Driver discount option
- States where offered
-
SA VIC NT TAS NSW ACT QLD WA
- Roadside assistance
-
No
- Genuine parts
-
No
- New car if written off
-
Yes - within 2 years of original registration
- Windscreen cover
-
Yes - standard excess. Option to reduce excess for first windscreen replacement claim and first two repairs each year to $0 for an additional premium.
- Personal property cover
-
Up to $1,000
- Replacement key cover
-
Up to $1,000 if stolen.
- Baby capsule or child seat cover
-
Up to $500.
- Trailer or caravan cover
-
Up to $1,000.
- Modifications
-
Covered only if agreed in writing.
- Emergency repairs
-
Up to $500
- Emergency options
-
Reasonable towing costs. Up to $1,000 travel and accommodation costs if greater than 100 km from home.
- Rental car after theft
-
Yes - Up to 30 days, $100 per day.
- Rental car after accident
-
Not at fault - Optional Extra. At fault - Optional Extra. Up to 30 days, max $100 per day.
- Rental car liability
-
Yes - legal liability cover when using a substitute vehicle. $3,000 contribution towards excess or security bond when using a hire car after an event.
- Legal liability cover
-
$20,000,000
- Accidental death of driver
-
Up to $25,000 within 12 months of the injury.
- Young driver excess imposed
-
$600 for drivers under 25, $1,800 for unlisted drivers.
- Rideshare cover
-
Optional Extra
- Other restrictions
-
-
- Other benefits
-
-
- Online discount
-
up to 10% off for the first 12 months comprehensive premium
- Multi-policy discount
-
-
- No claim discount
-
Maximum no claim discount is protected for life against no-fault claims in past 2 years and having held the maximum no claims discount level in past 2 years. Others can purchase protection for extra premium.
- Low km discount
-
No
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.
Read reviews and learn more about Australian Unity car insurance
Your selected car insurance
Have you just shifted into the land-locked state of the Australian Capital Territory and are looking for a car insurance policy that suits your needs the best?
Well, you have come to the right place. Buying the perfect car insurance policy in the ACT can be quite challenging as there are a few steps to consider while buying.
What types of car insurance are available in the ACT?
There are four main types of car insurance available in the ACT. These include:
- Motor Accident Injuries (MAI) Scheme. This insurance covers anyone injured in an accident not considering who was at fault. It does not cover property damage, or damage to yours or someone else’s vehicle. Compulsory Third Party Insurance was replaced by MAI on the 31st of January 2020. The premium on this is based on the class of your vehicle.
- Third Party Property Damage (TPPD). As the name suggests, it covers the damages that you might have caused to other people’s property with your vehicle in an accident.
- Third Party Fire & Theft (TPFT). This offers additional cover for damages caused due to fire and theft. You should consider this cover if you're unsure of the area you park your car in.
- Comprehensive Car Insurance. This is the widest range of coverage with policies having provisions for different circumstances. Once you decide to make an insurance claim and pay the excess, your comprehensive insurance policy will cover the cost of the repairs or replacements your vehicle might require that are listed in your policy’s PDS.. It will also cover damage to other people’s cars or property.
Motor Accident Injuries (MAI) Scheme
The Motor Accident Injuries Scheme was introduced in February 2020, where everyone who is injured in a motor vehicle accident is entitled to receive treatment and even loss of income benefits for up to five years. This scheme provides more comprehensive support than the previous one.
This is a compulsory car insurance policy which is required for everyone who owns a motor vehicle in the Australian Capital Territory. The scheme replaced ACT’s Compulsory Third Party (CTP) Insurance, which exists in different versions across the country.
What does the MAI scheme cover?
- Treatment for all the people injured in a motor vehicle accident
- Comprehensive support for anyone who needs it the most
- Coverage for all road users
- Transparent benefits for a quick recovery
How do I make a comprehensive car insurance claim in the ACT?
Making a car insurance claim when you have been in an accident seems daunting. But here are a few easy steps that you can follow:
- Safety: Make sure that you and everyone involved are safe and no one needs to be taken to the hospital.
- Document all information: Make sure you keep a record of all the important documents, personal details of everyone involved and your vehicle.
- Check PDS: Make sure you know what you can claim for. It always helps if you have read your policy’s PDS beforehand.
- Make a claim: There are different processes that insurers follow.
- Contact your insurer and find out how much the repair is going to cost and if you will have to pay any excesses. They will also tell you if you need any documents to support your claim (like police reports or photos, for example).
What features should ACT drivers look for in car insurance?
Car insurance providers come up with a lot of variations to their policies trying to cater to a wide audience. Check and see which ones would you like to consider from the following list:
- Variety of coverage options: As is already known, you require a Motor Accident Injuries scheme in your pocket as a mandatory policy in the Australian Capital Territory. But other than that, it is also a good idea to consider damage to your vehicle or third-party property.
- Reasonable limits and excesses: It is best to read the Public Disclosure Statement (PDS) thoroughly to know whether your policy has any excesses or limits as policies may differ slightly from provider to provider.
- Good customer service & efficient claims process: Are you confused between a couple of insurance providers and want to know which are the consumer favourites? 2023 Mozo People’s Choice Awards car insurance tells you what the people’s choice is.
- Competitive pricing & good discounts: There’s always a range of providers to choose from and so it is best to get quotes from a few. Also, don’t forget to check for discounts.
- Clear & understandable policy terms & conditions: All the information that you will ever need about your policy is explained in detail in the Public Disclosure Statement (PDS). Be sure to read it thoroughly to understand any terms or conditions.
What extras should I have when driving in ACT?
Be careful when you choose an insurance policy as not every event will be included in your cover. However, you can add extras considering your driving habits. Some optional extras include:
- If you go on a lot of road trips, it’s best to consider excess-free windscreen cover.
- Rentals after accidents may be offered on some policies when there has been a theft, but might not be considered in case of an at-fault or not-at-fault collision without an optional extra fee.
- Modifications for cars with extra bling or power under the hood.
- 24-hour roadside assistance.
How much does ACT car insurance cost?
Insurance premiums can be difficult to make sense of because it’s dependent on so many factors. Other than the type of car insurance policy you choose, your data can play a huge role in deciding your premium.
The factors that determine your premium are:
- Location: Drivers in the city may have to pay more than the drivers in the countryside. Rates can also vary widely between different states and cities.
- Age: Young drivers often pay more as compared to older drivers because of the considered risk.
- Driving history: Your driving history and patterns also affect your premium. If there have been accidents or violations that can raise premiums.
- Vehicle type: Expensive, sporty, or high-theft risk cars typically cost more to insure.
- Coverage and excess: More comprehensive coverage and lower excesses will increase your premium.
How do I find the best car insurance in ACT?
When looking for Australia’s best car insurance, a good place to start is by checking out the winners in the Exceptional Value and Exceptional Quality categories in the latest Mozo Experts Choice Car Insurance Awards for 2023.
Our experts analysed over 10,000 car insurance quotes to find the best value for the widest range of customers.
However, not all customers are looking for the same thing when it comes to car insurance, so it's important to bear this in mind when comparing car insurance policies in the Australian Capital Territory.
Popular car insurance topics and how-tos
Our expert guides will help you understand what you need to know about car insurance, from choosing the right level of cover to saving on premiums. See all
Latest car insurance news
Get the latest updates on car insurance trends, industry changes and new policy features from Mozo’s expert writers. See all
-
CAR INSURANCE
Are you a high-mileage driver? Youi builds in support for life behind the wheel.
-
CAR INSURANCE
8 tips for a cracking Easter road trip this Easter holiday
-
CAR INSURANCE
Rates are down, but are your insurance costs rising?
-
CAR INSURANCE
2024 Car Insurance in Australia: Trends and Predictions
-
CAR INSURANCE
We made three predictions in 2024 for where car insurance was headed - this is how we scored.
-
CAR INSURANCE
2025 car insurance trends and predictions
FAQs
What car insurance is required for ACT?
In the Australian Capital Territory, a driver is required to have a Motor Accident Injury (MAI) insurance. It’s the same as Compulsory Third Party Insurance (CTP) and was replaced by MAI on the 31st of January 2020.
What details do I need for a car insurance quote in ACT?
Other than the home address in Australian Capital Territory, you will need to know your vehicle’s model, age, market value, any previous claims and driving history as well.
What is the most common type of car insurance claims in ACT?
According to the 2018 AAMI Crash Index, the most common claims in the Australian Capital Territory (ACT) were a single-car accident during the 2017-18 financial year, accounting for 24.97 per cent.
Will accident statistics in ACT affect my car insurance costs?
While setting car insurance premiums, some insurers consider the annual estimated claims cost and add their own costs to administer the policies. The other factors that might be at play for your insurance premiums include your age, driving history, etc.
Is there special car insurance for specific makes or models?
Other than your age and the place you park your car, the vehicle you drive also is a factor when calculating your insurance premium. The make, weight, repair costs, availability of machine replacements contribute to your car insurance’s premium. We’ve broken down a few here:
Wondering what drives up your premiums in the case of an electric car? We’ve broken it down for you. Take a look - Why insurance for electric cars is so expensive.
Brands we compare
We compare products from the following well-known brands and many more... See all
-