Bingle car insurance

Under the wing of the Suncorp Insurance Group, Bingle was created in 2007 with the intention of shaking up the car insurance game. It is an online-only insurance company and as such promises to protect your wheels with less fuss and at a lower cost.

Bingle says that by running most of its operations online, it is able to cut out the expensive overheads that come with sales centres and TV ads. The savings from which it says are used to offer Aussies car insurance with all the bells and whistles attached at a more affordable price.

Bingle’s comprehensive car insurance policy won a 2023 Mozo Experts Choice Award, judged as being Exceptional Value Car Insurance.

Keep scrolling to read more about the third party and comprehensive car insurance on offer with Bingle.

Bingle offers the following car insurance policies

Cover information and limits in the table below verified as correct at 4 March 2024. Other information correct at the time of writing.
Advertiser disclosure.

Product Monthly premiums available Maximum no claim discount Online discount Choice of repairer
Comprehensive Car Insurance Policy

Yes costs extra

Not Published

n/a

No

Who issues Bingle’s car insurance policies?

Bingle’s car insurance is issued by AAI Limited. AAI Limited also trades as Suncorp Insurance, which is the mind behind and the main backer for Bingle. In fact, Bingle is advertised as being part of the ‘Suncorp Network.’

What car insurance does Bingle offer?

Bingle offers two types of car insurance: third party property damage and comprehensive.

What does Bingle’s comprehensive car insurance cover?

The highest level of car insurance Bingle offers, it’s comprehensive policy comes with:

  • Up to $20 million worth of legal liability cover.

  • Accident cover. This level of insurance will cover damage to your own wheels, if you are involved in an accident. Plus, accidental damage that you may cause to someone else’s vehicle.

  • Fire, storm, hail and flood damage.

  • Theft and malicious damage cover. That is if your car is left worse for wear after a theft, attempted theft, vandalism, break-in or collision.

  • Reasonable towing and storage costs. If your car can’t be driven safely after an accident, Bingle will cover the reasonable costs to tow it to a repairer and store it.

  • Accessories and modifications cover. This counts for most legal modifications and accessories, permanently fitted to your vehicle. For example, tinted windows, sound systems and so forth.

  • Baby capsules and car seats cover. Bingle offers cover for the replacement of baby capsules or child seats, should yours be stolen or damaged as the result of an accident.

You can also make this comprehensive policy even more foolproof by adding on optional extras, including windscreen and window glass cover, hire car cover following an accident or incident and new for old replacement. Just keep in mind that any extras you add on, will up the overall cost of your policy.

What does Bingle’s comprehensive car insurance not cover?

Although Bingle’s comprehensive car insurance is fairly thorough, there are a few things it won’t cover you for. Some of these include:

  • General wear and tear of your vehicle.

  • Roadside assistance. Bingle does not offer roadside assistance cover, meaning it won’t cover you for dead batteries, flat tyres or breakdowns.

  • Physical injuries to you or other people. This is covered by compulsory third party insurance, which Bingle does not offer.

  • Using your car when it is not deemed roadworthy.

  • You or someone else driving your policy while under the influence of drugs or alcohol.

Other FAQs about Bingle car insurance

Does Bingle offer compulsory third party insurance?

No, Bingle does not offer compulsory third party (CTP) insurance.

What does Bingle’s third party insurance cover?

Bingle offers one type of third party car insurance: Third Party Property Damage Insurance. All in all, it’s fairly similar to other third party property car insurance policies on the market. It includes:

  • Up to $20 million worth of legal liability cover for accidental damage.

  • Cover for accidental damage you may cause to someone else’s car or property.

  • Cover for accidental damage caused by your caravan or trailer

As is standard with most third party car insurance, Bingle’s third party property cover does cover damage to your own set of wheels. For this you will have to take out a comprehensive car insurance policy.

It also does not provide cover for damage caused by storms, hail, flooding and other extreme weather events.

Does Bingle offer roadside assistance?

No, Bingle does not offer roadside assistance cover. If you want to be covered in case of breakdowns or flat tyres, you will have to take out roadside assistance with another provider separately. 

Can I choose between market value and agreed value with Bingle?

No, Bingle does not give you the option to choose between market or agreed value for your wheels. It only offers market value.

Market value isn’t necessarily the amount you paid for your wheels, nor how much someone might pay you for them should you choose to sell up. Instead, market value is the approximate amount your insurance provider calculates that your car would fetch, if it was sold on the open market.

To assess the market value, Bingle says it will take into account your vehicle’s make, model, age, condition and the number of kilometres it has travelled. Bingle says that market value also includes the registration costs, the cost of compulsory third party insurance and any stamp duty and transfer fees that may apply.

Does Bingle offer cover for rideshare drivers?

If you currently have a side hustle as an Uber driver, then you’ll be happy to hear that Bingle does offer cover for rideshare driving. Just make sure the usage type is listed as such on your insurance policy. You can do this when you get a quote or by updating your existing policy.

How does Bingle’s new for old car replacement work?

Available as an optional extra, Bingle’s new for old car replacement will replace your ‘new’ car if it becomes a total write-off. Of course there is a time limit to how long your car is viewed as new and shiny. While you might remember the day you first bought your wheels five years ago like it was yesterday, in an insurance company's eyes your vehicle isn’t new anymore.

Bingle only offers new for old car replacement for cars that are up to three years old. If your vehicle is eligible and it is written off, Bingle will:

  • Attempt to replace it with the same make and model within 60 days.

  • Cover all road costs, such as stamp duty, compulsory third party insurance, registration and delivery charges.

Do I need to list my child on my Bingle insurance, if they are learning to drive?

No, Bingle does not require you to add your child to your policy, if they are on their L plates. That said, you may want to add them to your insurance if they are on their Ps. Otherwise the unlisted driver excess may apply.

How does Bingle work out my insurance premium?

Like all car insurance companies, Bingle will look at a number of factors to work out the cost of your premium. Some of these include:

  • The age, make and model of your car

  • Your age, gender and driving claims history, (plus the age, gender and driving history of any other listed driver)

  • Whether you choose to pay in monthly instalments or not

  • Approximately how far you drive your car each year

  • Whether you add on any optional extras.

What excess options are available with Bingle?

The three types of excess that are available with Bingle car insurance are:

  • The standard excess, which is between $650 and $795

  • The age excess, which is $600

  • and the unlisted driver or household member excess, which is $1,950

Can I call Bingle insurance?

No, unfortunately you cannot call Bingle insurance as it is an online-only company. It does not have a phone number or call centres.

You can communicate with Bingle via the Bingle chatbot, ‘Buddy’. Buddy is designed to help Bingle customers with self-service and other general car insurance questions. Bingle also has a few email addresses that you can send a complaint or feedback to about your claim or anything else. 

Now this may seem a little different, but it's not too out of the ordinary for online-only financial service providers. Plus, Bingle says the money it saves on contact centres can be used to make its insurance premiums less costly.

What’s the claims process like?

It’s pretty straightforward: all you need to do is visit Bingle’s online claims hub and submit a form. Just make sure you have all the information about what happened and all the details of who else was involved.

How can I apply?

It’s pretty straightforward: all you need to do is visit Bingle’s online claims hub and submit a form. Just make sure you have all the information about what happened and all the details of who else was involved.

How is Bingle car insurance rated?

Mozo users have rated Bingle car insurance on price, features, convenience, trust and customer service so you can see what real Aussies have to say about their experiences.

Icon of car-insurances
Bingle car insurance
Overall
Value for money
Policy coverage
Customer service
Claims handling
Trust

325 Reviews

Recent Bingle car insurance reviews

Bingle Car Insurance
Overall 3/10
A Mixed Bag: 3 out of 10

I recently decided to go with Bingle Car Insurance for my 18-year-old daughter's first car, and I have some mixed feelings about the experience. Here's my honest take on what I liked and disliked about this insurance company. Pros: Affordable Rates: One of the biggest advantages of Bingle Car Insurance is its competitive pricing. The premiums were relatively low compared to other insurance providers, which is great for young drivers on a budget. Simple Online Process: Bingle's online platform makes it incredibly easy to get a quote, purchase a policy, and manage everything digitally. The user-friendly interface and streamlined process were definite highlights. Cons: Limited Coverage Options: While Bingle offers basic coverage, the options for additional coverage are quite limited. If you're looking for extensive add-ons or specialized coverage, you might have to explore other insurance companies. Inconsistent Customer Service: Dealing with Bingle's customer service left me feeling a bit frustrated at times. Response times varied, and it was challenging to get the assistance and support I needed promptly. Improved customer service would greatly enhance the overall experience. Lack of Personalization: Bingle's policies tend to be more standardized, lacking the personalized options that some other insurers provide. If you prefer customization or tailored coverage based on your specific needs, this may not be the ideal choice. In summary, Bingle Car Insurance has its ups and downs. While the affordable rates and straightforward online process are definite positives, the limited coverage options and inconsistent customer service were drawbacks. If you prioritize affordability and simplicity, Bingle could be worth considering. However, if you value extensive coverage choices and exceptional customer support, exploring other insurance providers might be a better fit for your needs.

Read full review

I recently decided to go with Bingle Car Insurance for my 18-year-old daughter's first car, and I have some mixed feelings about the experience. Here's my honest take on what I liked and disliked about this insurance company. Pros: Affordable Rates: One of the biggest advantages of Bingle Car Insurance is its competitive pricing. The premiums were relatively low compared to other insurance providers, which is great for young drivers on a budget. Simple Online Process: Bingle's online platform makes it incredibly easy to get a quote, purchase a policy, and manage everything digitally. The user-friendly interface and streamlined process were definite highlights. Cons: Limited Coverage Options: While Bingle offers basic coverage, the options for additional coverage are quite limited. If you're looking for extensive add-ons or specialized coverage, you might have to explore other insurance companies. Inconsistent Customer Service: Dealing with Bingle's customer service left me feeling a bit frustrated at times. Response times varied, and it was challenging to get the assistance and support I needed promptly. Improved customer service would greatly enhance the overall experience. Lack of Personalization: Bingle's policies tend to be more standardized, lacking the personalized options that some other insurers provide. If you prefer customization or tailored coverage based on your specific needs, this may not be the ideal choice. In summary, Bingle Car Insurance has its ups and downs. While the affordable rates and straightforward online process are definite positives, the limited coverage options and inconsistent customer service were drawbacks. If you prioritize affordability and simplicity, Bingle could be worth considering. However, if you value extensive coverage choices and exceptional customer support, exploring other insurance providers might be a better fit for your needs.

Value for money
2/10
Policy coverage
4/10
Customer service
3/10
Claims handling
4/10
Trust
3/10
Less
Emma, Western Australia, reviewed 8 months ago
Bingle Comprehensive Car Insurance Policy
Overall 8/10
Cheap competitive cover in an expensive market.

Cheap competitive cover in an expensive market. Have not had an accident and needed to claim so I cannot review this process. But every other insurance provider wanted to charge me upwards of 2.5k-3k, whereas I was able to renew my policy and increase my kms travelled for no extra cost (1.1k).

Read full review

Cheap competitive cover in an expensive market. Have not had an accident and needed to claim so I cannot review this process. But every other insurance provider wanted to charge me upwards of 2.5k-3k, whereas I was able to renew my policy and increase my kms travelled for no extra cost (1.1k).

Value for money
10/10
Policy coverage
7/10
Trust
7/10
Less
Hayley, Victoria, reviewed 10 months ago
Bingle Car Insurance
Overall 9/10
cheap price get the same thing as other insurance

cheap price get the same thing as other insurance providers

Read full review

cheap price get the same thing as other insurance providers

Value for money
9/10
Policy coverage
7/10
Customer service
8/10
Claims handling
8/10
Trust
8/10
Less
Hania, New South Wales, reviewed over 1 year ago
Bingle Comprehensive Car Insurance Policy
Overall 7/10
Memoirs of an overly confident driver

Before I dive into this review dear reader, I must bring your attention to the concept of irony or coincidence, which roots in the Greek comic character Eiron, a clever underdog who by his wit repeatedly triumphs over the boastful character Alazon. Thus concept played an almighty part in the story I'm about to tell that forms the basis of this review. It begins with a man who has not had a car crash in over ten years, seemingly indestructible, an absolute Houdini on the roads. It's been so long the man has completely forgotten that a car crash is even possible, rather the car drives itself from origin to destination like it's bolted to some ever-changing rail line. One fine morning after sipping his coffee this man ventures down to the letter box to collect the mail, and notices a particular envelope, slightly heavier than normal. The man opens the envelope and sees his car insurance bill staring at him with utter disdain. The man scoffs at this, indicating this can't be right. Me!? the best driver in the county, forced to pay this much for a seemingly unnecessary service? This cannot be, there must be an alternative. One quick Google search later and the man comes across this company, a company with a quite frankly unappealing name that has promising rates that seem more acceptable to the best driver in the world. However, these rates seem too good, so the man dives into the fine print, alas no red flags… what is this sorcery? A swift 45 minutes later and the man has officially signed with this new provider, a weight lifted off his shoulders as he is no longer subject to the restraints and absurd costs of his former provider. Now dear reader, here comes the irony promised at the beginning of this unnecessarily long note. Not two weeks had passed since changing providers, on a fine sunny Tuesday the man who was running his daily errands was met with what can only be described as pure incompetence. Yes, that’s right… a CRASH! Turning right in a hurry to beat the oncoming traffic, the man collides (in slow motion) with another driver who’s pulled out from obtaining his morning coffee at the adjacent cafe. Carnage… screaming… sirens… not really. A slight dent on each car's front corner. Nonetheless! The man was flabbergasted. Me!? It cannot be. The best driver in the world was undone by this careless buffoon. The man was worried. Small yet expensive damage, new insurance provider, with no idea what to do next, the man naturally ventures to the company website in search of answers. After feeling utterly lost, the man, surprisingly found the website easy to navigate, and within the blink of an eye had submitted a claim and was told to await further instructions. Eventually, he received instructions to find a repair place for the car and choose from a list of nearby locations. Again, the choices were abundant and provided only convenient times. Within three days the car was in the repair shop, it felt like a blink of an eye. There it was, damaged, sad, irreparable. And then… like brand new! The wonderful staff even offered to cover the man's transport to and from the repair location. If you’ve made it this far it’s become apparent that the man was clearly impressed with his new insurance provider, and would highly recommend it to anyone looking for basic cover without any special requirements.

Read full review

Before I dive into this review dear reader, I must bring your attention to the concept of irony or coincidence, which roots in the Greek comic character Eiron, a clever underdog who by his wit repeatedly triumphs over the boastful character Alazon. Thus concept played an almighty part in the story I'm about to tell that forms the basis of this review. It begins with a man who has not had a car crash in over ten years, seemingly indestructible, an absolute Houdini on the roads. It's been so long the man has completely forgotten that a car crash is even possible, rather the car drives itself from origin to destination like it's bolted to some ever-changing rail line. One fine morning after sipping his coffee this man ventures down to the letter box to collect the mail, and notices a particular envelope, slightly heavier than normal. The man opens the envelope and sees his car insurance bill staring at him with utter disdain. The man scoffs at this, indicating this can't be right. Me!? the best driver in the county, forced to pay this much for a seemingly unnecessary service? This cannot be, there must be an alternative. One quick Google search later and the man comes across this company, a company with a quite frankly unappealing name that has promising rates that seem more acceptable to the best driver in the world. However, these rates seem too good, so the man dives into the fine print, alas no red flags… what is this sorcery? A swift 45 minutes later and the man has officially signed with this new provider, a weight lifted off his shoulders as he is no longer subject to the restraints and absurd costs of his former provider. Now dear reader, here comes the irony promised at the beginning of this unnecessarily long note. Not two weeks had passed since changing providers, on a fine sunny Tuesday the man who was running his daily errands was met with what can only be described as pure incompetence. Yes, that’s right… a CRASH! Turning right in a hurry to beat the oncoming traffic, the man collides (in slow motion) with another driver who’s pulled out from obtaining his morning coffee at the adjacent cafe. Carnage… screaming… sirens… not really. A slight dent on each car's front corner. Nonetheless! The man was flabbergasted. Me!? It cannot be. The best driver in the world was undone by this careless buffoon. The man was worried. Small yet expensive damage, new insurance provider, with no idea what to do next, the man naturally ventures to the company website in search of answers. After feeling utterly lost, the man, surprisingly found the website easy to navigate, and within the blink of an eye had submitted a claim and was told to await further instructions. Eventually, he received instructions to find a repair place for the car and choose from a list of nearby locations. Again, the choices were abundant and provided only convenient times. Within three days the car was in the repair shop, it felt like a blink of an eye. There it was, damaged, sad, irreparable. And then… like brand new! The wonderful staff even offered to cover the man's transport to and from the repair location. If you’ve made it this far it’s become apparent that the man was clearly impressed with his new insurance provider, and would highly recommend it to anyone looking for basic cover without any special requirements.

Value for money
10/10
Policy coverage
8/10
Customer service
6/10
Claims handling
7/10
Trust
7/10
Less
Nick, Victoria, reviewed over 1 year ago
See all car insurance reviews
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