What are the best car insurance policies for these 5 iconic movie characters?

Hands hold up a movie set clapperboard, in front of a green hill beside a road. An orange lens flare obscures half the image.

We love it when our favourite movie stars floor it in epic high-speed chases. The last thing we’d want is reality to get in the way of all that jaw-dropping action. And absolutely nobody is wondering what kind of car insurance those heroes would need. Nu-uh. Nobody. Not us. 

(Vroom-vroom).

RELATED: Why these famous movie characters would get their travel insurance claims denied

Thelma & Louise (1991): Comprehensive Car Insurance

Two women grin and watch the sunset atop their red convertible.

If you’re roaming the wild, wild country in an attempt to escape the suffocating confines of patriarchy, comprehensive car insurance could be the right cover for you. 

In Australia, most states require you to have a minimum level of cover, usually Compulsory Third Party Insurance (CTP). This ensures you have liability cover in case you cause accidental injury or death. However, the rules can vary in different states and territories, so be sure to get across what best applies to your situation and needs.

For adventuresome road trips like in Thelma & Louise, comprehensive car insurance guarantees you the highest level of protection. This includes for prangs or damage (even to your own car), theft, and additional ‘opt-in’ covers, like expensive modifications or emergencies (towing, travel, and accommodation).

With comprehensive cover, Thelma and her ride-or-die Louise could happily drive into the sunset. (Just not off a cliff).

RELATED: 7 things NOT covered by comprehensive car insurance

Fast & Furious Saga (2001 - 2021): Travel Insurance

A white sedan speeds through a colourful motion blur street.
Photo by Alessio Lin.

High-octane races, “Family”, and gravity-defying stunts: that’s pretty much all you want from a Fast & Furious film. But what the characters might need is a good level of travel insurance – which astonishingly, could help them pay for all those car trips abroad.

RELATED: Renting a holiday car? Make sure you consider all the costs

In a nutshell, most travel insurance providers will include in their comprehensive policies (both domestic and international) coverage for rental car excess, or the excess for any additional premiums. They can also offer liability protection in case you accidentally ram that rental car into a national monument (not that you would, even if you were part of a Family That Does Heists. Ahem).

While they’re at it, the crew should probably also get International Driver’s Permits so they can legally drive overseas.

Priscilla, Queen of the Desert (1994): Business Car Insurance

A comparison of two images: the first of a vintage bus in the desert, the second of waving rainbow pride flags.
Photos by Caleb Martinez and Teddy Osterblom.

As our favourite drag queens sightsee colourful locations and characters through the Outback, they might consider taking out business car insurance for Priscilla, their titular chrome bus.

RELATED: Top ten Aussie towns to visit on your next road trip

Business car insurance provides cover for any vehicle you use for both personal and business purposes (as opposed to commercial car insurance, which is for vehicles like deliver vans that are solely used for work). 

This type of protection comes with the understanding that since you use the vehicle for work, it may be on the road more often and therefore need more frequent repairs. (Which unfortunately can drive up premiums, but it’s still a worthy investment).

Since Priscilla is basically a tour bus and a large part of Mitzi del Bra’s income, when taking out a standard car insurance policy, she could list the purpose as “business” to get the right level of cover (so long as it says she can in the production disclosure statement first).

Either way, in lieu of the Sydney Mardis Gras, it’s definitely worth a rewatch of this iconic Aussie road comedy.

Driving Miss Daisy (1989): Rideshare and Senior Citizen Car Insurance

Senior citizens smile in their rideshare.

This movie may not have aged as well as Morgan Freeman, but we can definitely take out a few insurance cover ops for Driving Miss Daisy.

Firstly: rideshare insurance. Though he’s technically a chauffeur, we just couldn’t resist discussing this new commodity for the modern gig economy. Basically, rideshare cover is an optional extra in a comprehensive car insurance policy, offering liability protection to those who drive others for a living. If you don’t see it in your policy’s PDS, your provider likely doesn’t cover it.

Because Morgan Freeman’s age affects his risk profile, it would be wise for him to consider adding this extra to a senior citizen car insurance policy. These specialist policies are only offered to people over a certain age (usually 50 or 60) and have custom features or discounts based on driving/insurance claims history. 

This way, reliable drivers with a bit of grey distinction can still get coverage at an affordable price.

Twister (1996): Wild Weather Car Insurance

A tornado glides along a blue, stormy sea.
Photo by Espen Bierud.

Recent wet weather events have driven home this concept for many Australians (and tornadoes are more common Down Under than you think). But even if you’re not a professional storm-chaser in 1990s Oklahoma, flood and storm car cover is an absolute must.

Most comprehensive car insurance policies should automatically protect you in the event of flood, hail, and storm damage, but you’ll need to check this beforehand by having a good ol’ read of the PDS. It’s all about opting in, especially if you live in a big weather prone area.

However, it should go without saying that unless you're a storm-chaser like Dr. and Dr. Harding, you should always avoid intentionally driving through extreme weather. Safety first. Insurance providers won’t likely give you a payout for driving into flood water, as opposed to flood water driving into you.

In addition, the self-made modifications in the Hardings’ storm-chaser van might complicate things with insurance. If the enhancements are legal, it won’t affect their “risk profile”, but if they’re not legal or compromise the safety of the vehicle, the mods likely won’t be covered – or they'll come at a hefty premium.

Curious about some of the best car insurance? Check out the Mozo Expert Choice Awards to see what revved up excitement for Mozo’s research team. You can also browse options below.

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  • Gold Comprehensive Car Insurance

    Monthly premiums
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    Yes Costs Extra
    Choice of repairer
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    Optional Extra
    Choice of excess
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    $500 - $1,850
    Agreed or market value
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    Agreed Or Market

    Available discounts

    • Online Discount Up To 15%
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  • Comprehensive Car Insurance

    Monthly premiums
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    Yes Costs Extra
    Choice of repairer
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    No
    Choice of excess
    coins icon
    $800 - $2,000
    Agreed or market value
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    Agreed

    Available discounts

    • No Claim Discount
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  • Comprehensive Car Insurance

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    Yes
    Choice of repairer
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    No
    Choice of excess
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    $500 - $5,000
    Agreed or market value
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    Agreed Or Market

    Available discounts

    • Pay As You Drive Cover With Pricing Tiers Available For Limited Kms.
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  • Comprehensive Car Insurance

    Monthly premiums
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    Yes
    Choice of repairer
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    No
    Choice of excess
    coins icon
    $800 Flat Excess Fee
    Agreed or market value
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    Agreed

    Available discounts

      Go to site
      Details
    • Comprehensive Car Insurance

      Monthly premiums
      Calendar icon
      Yes Costs Extra
      Choice of repairer
      tools icon
      Optional Extra
      Choice of excess
      coins icon
      $400 - $2,500
      Agreed or market value
      Car coin icon
      Agreed Or Market

      Available discounts

      • 20% Discount On Contents Insurance If Youi Car Insurance Also Held
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