Why you might need tailored car insurance right now

Father takes baby out of car after long roadtrip.

Remember pre-pandemic commuting? Trains and buses were packed Monday to Friday, morning and night, in cities all across the country. 

Now everything has changed. 

Borders are starting to reopen but there are still plenty of workers either staying at home or only venturing into the office a few times a week. 

Over 50% of Australians intend to limit their use of public transport over the next few months, according to a Deloitte survey. Further research from McKinsey shows that more people intend to drive to avoid crowded stations.

Where once many cars were used mainly at weekends, now they are being driven all the time, now and then or in some cases not at all. In these strange times, a one-size-fits-all approach to car insurance no longer cuts it for many of us, which is why we’ve come up with a list of comprehensive policies that offer greater flexibility. 

We had a look through our database to see which car insurers give customers the ability to tailor their policy, both in terms of price and features.

Some tailored car insurance policies to consider

Bingle Comprehensive Car Insurance *
  • Online-only insurance to reduce premiums
  • New for old replacement cover optional
  • Make claims online
Find out more

If you want to make sure your wheels are covered in case of an accident but you’re not too fussed about extra bells and whistles, you might want to check out Bingle’s Comprehensive Car Insurance. An online-only insurer, Bingle is all about cutting costs for its customers. With this particular policy you have the option to choose to add certain features, such as ‘new for old replacement cover.’ So, if your car has been around for longer than three years, then you could cut costs and simply not add that extra onto your policy. Plus, you can make claims online via Bingle's website.

Budget Direct Comprehensive Car Insurance*
  • Driver age restriction
  • Low kilometres policy available
  • Option to add choice of repairer

In these tough economic times, being able to reduce costs wherever possible can only be a good thing. One way you could do that is with Budget Direct’s Comprehensive Car Insurance. Not only does this policy offer multiple driver age restrictions to reduce your premium, you could be eligible for the Gold Low Kilometres Comprehensive Policy if you currently drive less than 10,000km per year. Or if you want to increase your options, you could add ‘choice of repairer,’ reduced window glass excess or/and accident hire car cover.

Poncho Comprehensive Car Insurance *
  • Monthly-subscription style policy
  • No cancellation fees
  • Flexible transport cost cover following an accident

Innovative new insurer Poncho offers comprehensive cover that works just like a Netflix subscription. Premiums are charged monthly, you won’t be locked into a contract and there are no cancellation fees. So, if in these uncertain times you find that you won’t be needing your car for a few months, you could cancel your policy and pick it up at a later date to save yourself a bit of money. Plus, while traditionally comprehensive car insurance policies will give you cover to hire a car following an accident, Poncho gives you the option to take a ride-share or even catch a train or bus. The costs of which are covered up to $80 per day.

Virgin Money Price Saver Comprehensive Car Insurance *
  • Restricted driver discounts
  • Reduced window glass excess available
  • Option to add choice of repairer
Find out more

With Virgin Money’s Comprehensive Car Insurance there are multiple discounts on offer. These include an optional restricted driver discount, a 15% online discount off your first year’s premium and a no claims discount. Plus, if you want the option to pay less come claims time, you can add a reduced window glass excess. The excess in this case is $40. There’s even the option to add ‘choice of repairer’ if you want the flexibility of choosing a repairer not on Virgin Money’s list.

Getting the most out of your policy

If you’re not sure whether you want to switch policies right now, why not sit down and review what you’re paying for. You may decide that there are some optional extras that you don’t need. Or, if you’re driving less and your insurer hasn't offered you a discount, give them a call and ask for one.

Failing all that, if you are ready to change things up and none of the policies above strike your fancy, why not head to our compare car insurance page for more options.

* 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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