What are the best car insurance policies for these 5 iconic movie characters?
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).
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Thelma & Louise (1991): Comprehensive car insurance
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
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
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.
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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 car insurance
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
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.
Compare and save on car insurance
Comprehensive Car Insurance
- 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
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.
- New car if written off
- Yes - within 2 years and a listed driver is the first registered owner
- 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 $50 for an additional premium.
- Modifications
- Covered only if agreed in writing.
- Young driver excess imposed
- Unlisted and aged 25 and over: $700, Unlisted and aged under 25: $2,000, Listed and aged under 25: $600
- Roadside assistance
- Yes
- Other benefits
- -
- Other restrictions
- -
- States where offered
- SA VIC TAS NSW ACT QLD WA
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 insurances
Comprehensive Car Insurance
- 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. Underwriting Criteria, Limits, Exclusions, And T&Cs Apply.
Comprehensive Car Insurance
ROLLiN’ offers affordable monthly comprehensive car insurance with its favourite extras included. No additional excess for young drivers, lodge a claim 24/7 and zero cancellation fees. Hire car is included up to $80 per day for up to 21 days; cover for one tow to our nearest authorised repairer, following a covered incident. No excess on your first covered windscreen, sunroof, and window glass damage once per insurance period. List multiple cars and drivers under the one policy as long as they fit the underwriting criteria (excludes Safe ’n Save policies).
- New car if written off
- Yes - within 15,000km of original registration
- 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
- Windscreen cover
- Yes - one claim can be made per Insurance Period, with $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
- Roadside assistance
- No
- Other benefits
- Optional benefit to boost the Single Car Value by 15%, it will be shown on your Insurance Certificate
- Other restrictions
- -
- States where offered
- SA VIC NT TAS NSW ACT QLD WA
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 insurances
Gold Comprehensive Car Insurance
- 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%
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.
- New car if written off
- Yes - within 2 years or 40,000 kilometres of original registration, whichever comes first
- 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.
- 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.
- Roadside assistance
- Optional Extra
- Other benefits
- -
- Other restrictions
- -
- States where offered
- SA VIC TAS NSW ACT QLD WA
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 insurances
Comprehensive Car Insurance
- Monthly premiums
- Yes Costs Extra
- Choice of repairer
- Optional Extra
- Choice of excess
- $500 - $2,300
- Agreed or market value
- Agreed Or Market
Available discounts
- Online Discount $75
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.
- 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
- $700 for listed drivers under 25, $2,000 for unlisted drivers under 25.
- Roadside assistance
- No
- Other benefits
- -
- Other restrictions
- -
- States where offered
- SA VIC NT TAS NSW ACT QLD WA
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 insurances
* 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.
^See information about the Mozo Experts Choice Car Insurance Awards