On the road more? Might be time to rethink your car insurance

A woman wears a mask while driving her car.

The number of people driving in most major cities in Australia has risen since the beginning of the year, according to Apple’s Mobility Trends report. 

The same report shows that the number of people walking and taking public transport has for the most part gone down. So, while offices are reopening, it would seem that the general public is still reluctant to hop on a train or bus.

If that sounds like you, then you might have gone from not driving a lot in 2020 to driving a lot more in 2021. In fact, it might even be time to rethink your car insurance needs - again! 

To get you started, we’ve come up with a list of comprehensive car insurance policies. This way you can see what else is out there and think about whether your current cover is serving you well.

Some car insurance policies to consider

Budget Direct Comprehensive Car Insurance*
  • 2020 Mozo Experts Choice Award winner^
  • 15% online discount
Find out more

With a 2020 Mozo Experts Choice Award^ to its name, Budget Direct’s Comprehensive Car Insurance is definitely worth considering. A winner in the ‘Exceptional Value’ category this policy comes with legal liability, accident cover and new car replacement cover. Plus a hire car following a no-fault accident or theft, emergency transport and accommodation and replacement keys cover. You can also increase your cover with optional extras including choice of repairer, reduced window glass excess cover and cover for a hire car following an at-fault accident. Just keep in mind that these will up the cost of your premium.

Qantas Comprehensive Car Insurance *
  • Up to 40,000 Qantas Points on offer (conditions apply)
  • 24/7 claims service
Find out more

With Qantas’s Comprehensive Car Insurance you could bag yourself a tidy sum of Qantas Points upon application. How much you earn will depend on how high or low your premium is. The maximum available is 40,000 points for annual premiums over $1,550. In terms of actual cover, Qantas offers protection for accidents, fire, theft and storm damage. There are a number of optional extras available including ‘choice of repairer,’ window glass excess cover and cover for a hire car following an at-fault accident. Roadside assistance is also available for an extra $1.60 per week.

Bank of Queensland Comprehensive Car Insurance*
  • No claims bonus up to 65%
  • No extra charge to pay premium monthly
Find out more

If you’re searching for a cover with all the bells and whistles attached, then you may want to check out Bank of Queensland’s Comprehensive Car Insurance. As well as legal liability, this policy provides cover for repairs and damage as a result of theft or fire. Plus, new car replacement if yours is less than two years old when it is written off. There’s also cover for emergency accommodation and transport, replacement keys and personal effects. Finally, you won’t be charged for paying your premium monthly and if you have a clean driving record, you’ll be happy to hear that Bank of Queensland offers a no claims discount up to 65%.

Poncho Comprehensive Car Insurance*
  • 24/7 claims service
  • Monthly premiums at no extra cost

Still not sure how often you’ll be driving this year? In that case Poncho’s Comprehensive Car Insurance might be one to consider. It works just like a monthly Netflix subscription, meaning you can cancel it at any time. That’s right, there are no lock-ins or cancellation fees. Poncho’s policy comes with a simplified $800 excess for all listed drivers, plus cover for your wheels in the event of an accident, fire, theft or storm. Lastly, while choice of repairer is not available, Poncho’s $0 excess for windscreen repairs is definitely worth writing home about.

Didn’t find the perfect insurance match for your wheels? Head to Mozo's compare comprehensive car insurance page for more options.

^The Mozo Experts Choice Awards are conducted yearly to highlight financial products in the marketplace that we consider great value for Australians. Winners are based on research and information gathered by Mozo’s data experts. For the 2020 Car Insurance awards, the Mozo experts assessed 66 different insurance policies available to Australians.

* 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