Suncorp brand Bingle Go pilots new innovative car insurance

A young woman sits behind the steering wheel of a car. She smiles as she looks over her shoulder. A young man sits in the passenger seat, looking at his phone, smiling.

Owned by insurance giant Suncorp, online insurer Bingle Go has this week announced that it will be piloting an innovative new app-based insurance, for people who don’t just rely on their car to get around.

“Bingle Go is an evolution of a traditional comprehensive car insurance product with additional features and functionality that protects and rewards customers when they’re both travelling by car and by other modes of transport,” said Suncorp’s chief executive of insurance product and portfolio, Lisa Harrison.

How does Bingle Go work?

Designed with the modern city dweller in mind, the Bingle Go + car cover policy is unique in that it is app-based and works as a monthly subscription. Just like your Netflix or Stan, it renews automatically each month and you can cancel it at any time.

The policy includes both insurance for your car and cover for when you’re on the go, but not driving. The latter is called Go cover and provides:

  • Up to $1,000 of personal valuables cover for when you’re commuting, not in your car
  • Up to $5,000 excess cover when using a hire car or other car
  • Liability cover for third-party property when commuting using a mobility device (e.g. a skateboard, bike or e-scooter)

It should be noted that Go cover only covers you for incidents that happen in Australia.

Bingle Go + car cover

The + car cover part of Bingle Go’s policy is comprehensive car insurance that provides protection for damage as a result of:

  • driving accidents
  • nature (e.g. storms, fire, flooding)
  • theft/malicious damage

One thing to highlight is that Bingle Go’s comprehensive car insurance does not provide breakdown cover. So if you want breakdown cover or roadside assistance, then you will have to purchase it separately from another insurance provider.

Intrigued? Read through Bingle Go’s product disclosure statement for a full picture of what this car insurance does and does not cover.

Bingle Go’s innovative app

Co-designed with Suncorp’s insurtech partner Trōv, Bingle’s Go app uses innovative telematic technology to detect what mode of transport you are using and what distance you travel. All with the aim to determine whether you qualify for mobility bonus points.

These are points that you earn for using non-car transport, including public transport (buses, trains or ferries), cycling, walking or running, scooters, skateboards, roller skates and so forth. 

For each non-car qualifying journey, you will earn one mobility point. You can earn a maximum of 60 mobility points each month, for which you will receive a 20% discount on your premium the following month. 

Your discount each month will be determined by the number of points you earned in the previous one. So for instance, 30 points will get you a 10% discount and 15 points will get you a 5% discount off your next month’s base premium.

You can sign up for Bingle Go via the app, which can be downloaded via either Google Play or the App Store. After filling out all the relevant details you will be given a quote and if you decide to go ahead with Bingle Go, you’ll then make your first monthly payment.

Want to look at more cover options for your wheels? Head to Mozo’s compare car insurance page, or check out the policies on offer below.

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Last updated 19 July 2024Advertiser disclosure
Important information on terms, conditions and sub-limits.
  • 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

    • Comprehensive Car Insurance

      Monthly premiums
      Calendar icon
      Yes
      Choice of repairer
      tools icon
      No
      Choice of excess
      coins icon
      $800 Flat Excess Fee
      Agreed or market value
      Car coin icon
      Agreed Or Market

      Available discounts

        Details
      • Gold Comprehensive Car Insurance

        Monthly premiums
        Calendar icon
        Yes Costs Extra
        Choice of repairer
        tools icon
        Optional Extra
        Choice of excess
        coins icon
        $550 - $1,900 (varies By State)
        Agreed or market value
        Car coin icon
        Agreed Or Market

        Available discounts

        • No Claim Discount
        • Online Discount Up To 15%
        Details
      • Comprehensive Car Insurance

        Monthly premiums
        Calendar icon
        Yes Costs Extra
        Choice of repairer
        tools icon
        Optional Extra
        Choice of excess
        coins icon
        $500 - $2,200
        Agreed or market value
        Car coin icon
        Agreed Or Market

        Available discounts

        • Online Discount $75
        Details
      • Seniors Car Insurance

        Monthly premiums
        Calendar icon
        No
        Choice of repairer
        tools icon
        No
        Choice of excess
        coins icon
        $500 - $2,500 (varies By State)
        Agreed or market value
        Car coin icon
        Agreed

        Available discounts

        • Price Beat Offer Available For Eligible Drivers Over 50 Years Old Switching From A Comparable Policy With The Code ‘SENIORS’. T&Cs Apply.

      * 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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