2025 car insurance trends and predictions
From AI to telematics and questions about regulation, the Australian car insurance space might just be more exciting than you thought. And if you’re curious about what’s next, you’re in the right place.
After all, last year’s predictions landed us a solid 2.5 out of 3. This time, we’re ready to take another shot and see if we can do even better in 2025.
Will we go 4 for 4 this time? Only time will tell, but for now, here’s what we’re betting on for 2025!
1. Telematics in car insurance: finally gaining traction
Telematics-based car insurance has had a bumpy road in Australia. Early offerings from some insurers fizzled out, but interest is picking back up.
KOBA has been offering its pay-per-km product for a while now, and ROLLiN' recently expanded its Safe ‘n Save app to the general public after what was evidently a successful trial with its business customers. The pieces certainly seem to be in place for telematics to finally take off big time, as more consumers look for personalised and potentially cheaper insurance options.
Prediction: In 2025, at least one major Australian insurer will launch its own telematics-based insurance product, responding to the growing popularity of usage-based models like KOBA and ROLLiN'.
2. AI in car insurance: still in the testing phase
AI is a hot topic in the car insurance industry, with plenty of talk about how it could transform a multitude of internal processes like fraud detection and claims handling.
For now, though, it’s still in its infancy. Insurers are trying out different ideas, but nothing big has come out of it yet—certainly nothing that customers would notice. Perhaps with so many possibilities, insurance companies are still not sure where to deploy AI first.
Prediction: Australian insurers will continue experimenting with AI in 2025, but no significant customer-facing innovations are likely to launch in the coming year.
3. AI regulation struggles to keep up
With telematics expanding and AI increasingly integrated into claims and underwriting, you might expect Australia’s regulatory bodies to step in and address concerns like privacy, transparency and fairness.
But even in a well-regulated country like Australia, regulation often lags behind technology, leaving new tools like AI and telematics to develop faster than the policies meant to oversee them.
Prediction: Despite growing concerns around telematics and AI in car insurance, no significant regulatory actions—like inquiries or new guidelines—will occur in 2025, leaving insurers largely free to innovate.
4. Self-driving cars raise a different set of questions
Self-driving car trials are already happening in Australia, but we still don’t know: who’s responsible in an accident? Is it the vehicle’s owner? The manufacturer? The software developer?
As trials expand, this question is becoming harder to ignore. Without clear rules, progress could easily stall. That’s when someone will need to step in to outline potential solutions and gather feedback.
Prediction: In 2025, Australia’s regulators will release a draft framework or consultation paper seeking feedback on liability rules for autonomous vehicles.
With the predictions out of the way, why not take a look at some of the top car insurance options available today?
Important information on terms, conditions and sub-limits.
Car insurance comparisons on Mozo
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Promoted
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.
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Monthly premiums
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Yes costs extra
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Choice of repairer
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Optional Extra
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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
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SA VIC TAS NSW ACT QLD WA
- Roadside assistance
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Yes
- Genuine parts
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Yes - If car is under 3 years old.
- New car if written off
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Yes - within 2 years and a listed driver is the first registered owner
- Windscreen cover
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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
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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
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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
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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
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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
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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
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Promoted
Comprehensive Car Insurance
QBE’s Comprehensive Car Insurance covers you for things like accident damage, fire and theft. Enjoy three year new car replacement. Get a hire car if you’re not at fault. Repair guarantee. Save $75 when you apply online.
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Monthly premiums
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Yes costs extra
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Choice of repairer
-
Optional Extra
-
Choice of excess
-
$500 - $2,300
-
Agreed or market value
-
Agreed or Market
Available discounts
- Online discount $75 off new policies
- Monthly premiums available
-
Yes costs extra
- Choice of repairer
-
Optional Extra
- Choice of excess
-
$500 - $2,300
- Agreed or market value
-
Agreed or Market
- Discounts available
-
-
- States where offered
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SA VIC NT TAS NSW ACT QLD WA
- Roadside assistance
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No
- Genuine parts
-
Yes - If car was first registered less than 3 years ago, where reasonably available.
- New car if written off
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Yes - within 3 years and 60,000 km of original registration
- Windscreen cover
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Yes - standard excess ($0 excess for repair only). Option to reduce windscreen replacement excess to $0 for an additional premium.
- Personal property cover
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Up to $1,000 if damaged.
- Replacement key cover
-
Yes if stolen.
- Baby capsule or child seat cover
-
Yes
- Trailer or caravan cover
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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
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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
-
$30,000,000
- Accidental death of driver
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No
- Young driver excess imposed
-
$700 for listed drivers under 25, $2,000 for unlisted drivers under 25.
- Rideshare cover
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Yes
- Other restrictions
-
-
- Other benefits
-
-
- Online discount
-
$75 off new policies
- 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 QBE car insurance
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Promoted
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.
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Monthly premiums
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Yes costs extra
-
Choice of repairer
-
Optional Extra
-
Choice of excess
-
$550 - $1,900 (varies by state)
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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
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SA VIC TAS NSW ACT QLD WA
- Roadside assistance
-
Optional Extra
- Genuine parts
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No
- New car if written off
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Yes - within 2 years or 40,000 kilometres of original registration, whichever comes first
- Windscreen cover
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Yes - standard excess. Option to reduce windscreen excess to $40 on every windscreen claim for an additional premium.
- Personal property cover
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Personal effects cover in the event of a collision, theft or forced entry (up to $500)
- Replacement key cover
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Up to $1,000 if stolen.
- Baby capsule or child seat cover
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Child seat or capsule cover in the event of a collision, theft or forced entry (up to $500)
- Trailer or caravan cover
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Up to $1,000.
- Modifications
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Covered only if agreed in writing.
- Emergency repairs
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Up to $500
- Emergency options
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Automatic inclusion of up to $1,000 for emergency transport and accommodation (max $200 per day).
- Rental car after theft
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Yes - Up to 14 days, max $1,000 total.
- Rental car after accident
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Not at fault - Yes. At fault - Optional Extra. Up to 14 days for at fault accidents.
- Rental car liability
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Yes - legal liability cover when using a substitute vehicle.
- Legal liability cover
-
$20,000,000
- Accidental death of driver
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$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
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No
- Other restrictions
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-
- Other benefits
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-
- Online discount
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15% off the first year's premium for new policies purchased online. T&C's apply.
- Multi-policy discount
-
-
- No claim discount
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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
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Comprehensive Car Insurance
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Monthly premiums
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Yes costs extra
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Choice of repairer
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No
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Choice of excess
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$695 - $2,245
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Agreed or market value
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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
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Yes costs extra
- Choice of repairer
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No
- Choice of excess
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$695 - $2,245
- Agreed or market value
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Agreed or Market
- Discounts available
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Under 25s can get 10% discount by completing AAMI Skilled Driver Course.
- States where offered
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SA VIC NT TAS NSW ACT QLD WA
- Roadside assistance
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Optional Extra
- Genuine parts
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No
- New car if written off
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Yes - within 2 years of original registration
- Windscreen cover
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Yes - standard excess. Option to reduce windscreen excess to $0 for an additional premium.
- Personal property cover
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Up to $1,000 if damaged or stolen, combined with emergency repairs and options.
- Replacement key cover
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No
- Baby capsule or child seat cover
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Up to $500 per item.
- Trailer or caravan cover
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Up to $1,000 for trailer only
- Modifications
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Automatically covered
- Emergency repairs
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Up to $1,000 combined with personal property and emergency options.
- Emergency options
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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
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Yes - Up to 21 days.
- Rental car after accident
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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
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No
- Young driver excess imposed
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$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
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Optional Extra
- Other restrictions
-
-
- Other benefits
-
-
- Online discount
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$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
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Comprehensive Cover
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Monthly premiums
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Yes
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Choice of repairer
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Yes
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Choice of excess
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$200 - $2,000
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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
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Safe driver discount for eligible drivers
- States where offered
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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
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Comprehensive Plus Car Insurance
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Monthly premiums
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Not disclosed
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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
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Comprehensive Car Insurance
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Monthly premiums
-
Yes
-
Choice of repairer
-
No
-
Choice of excess
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$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
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-
Comprehensive Car Insurance
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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
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Seniors Comprehensive Car Insurance
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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
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No
- Other restrictions
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-
- Other benefits
-
-
- Online discount
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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
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-
Comprehensive Cover
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Monthly premiums
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Yes
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Choice of repairer
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Yes
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Choice of excess
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$600 - $2,100
-
Agreed or market value
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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
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Yes
- Choice of repairer
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Yes
- Choice of excess
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$600 - $2,100
- Agreed or market value
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Agreed or Market
- Discounts available
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Safe Driver Discount up to 5%|Named Driver discount option
- States where offered
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SA VIC NT TAS NSW ACT QLD WA
- Roadside assistance
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No
- Genuine parts
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No
- New car if written off
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Yes - within 2 years of original registration
- Windscreen cover
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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
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Up to $1,000
- Replacement key cover
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Up to $1,000 if stolen.
- Baby capsule or child seat cover
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Up to $500.
- Trailer or caravan cover
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Up to $1,000.
- Modifications
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Covered only if agreed in writing.
- Emergency repairs
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Up to $500
- Emergency options
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Reasonable towing costs. Up to $1,000 travel and accommodation costs if greater than 100 km from home.
- Rental car after theft
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Yes - Up to 30 days, $100 per day.
- Rental car after accident
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Not at fault - Optional Extra. At fault - Optional Extra. Up to 30 days, max $100 per day.
- Rental car liability
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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
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$20,000,000
- Accidental death of driver
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Up to $25,000 within 12 months of the injury.
- Young driver excess imposed
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$600 for drivers under 25, $1,800 for unlisted drivers.
- Rideshare cover
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Optional Extra
- Other restrictions
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-
- Other benefits
-
-
- Online discount
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up to 10% off for the first 12 months comprehensive premium
- Multi-policy discount
-
-
- No claim discount
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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
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Your selected car insurance
* 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.
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