Bingle car insurance

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

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.

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. 

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.

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.

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.

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.

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.

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

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.

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.

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.