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. 

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

Bingle offers the following car insurance policies

Rates and fees verified as correct at 04 March, 2021. 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

Go to site

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:

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:

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
7.3/10
Value for money
Policy coverage
Customer service
Claims handling
Trust

306 Reviews

Recent Bingle car insurance reviews

Bingle Comprehensive Car Insurance Policy review
Overall 9/10
Great value for money

I'm seriously impressed with Bingle. My policy is so much cheaper than any other insurance company, but even better, the claims process was so easy. I had someone I could call but didn't need to because it all went smoothly. Found out the repairers are the same used by the big expensive companies, so it's basically the same product but you pay less. Why wouldn'tya!?! I've got my family to move their insurance over.

Read full review

I'm seriously impressed with Bingle. My policy is so much cheaper than any other insurance company, but even better, the claims process was so easy. I had someone I could call but didn't need to because it all went smoothly. Found out the repairers are the same used by the big expensive companies, so it's basically the same product but you pay less. Why wouldn'tya!?! I've got my family to move their insurance over.

Value for money
10/10
Policy coverage
9/10
Customer service
8/10
Claims handling
9/10
Trust
9/10
Less
Emily, Queensland, reviewed 20 days ago
Bingle Car Insurance review
Overall 1/10
You'll regret it.

Bingle may save you a few bucks but you'll regret using them if you need to make a claim. Their system is fatally flawed, slow and cumbersome. The online portal malfunctions, you'll get put on hold for so long that the line drops out. I pray that some day they will get around to fixing my car. I recommend going with a full service insurer and not the bunglers at Bingle.

Read full review

Bingle may save you a few bucks but you'll regret using them if you need to make a claim. Their system is fatally flawed, slow and cumbersome. The online portal malfunctions, you'll get put on hold for so long that the line drops out. I pray that some day they will get around to fixing my car. I recommend going with a full service insurer and not the bunglers at Bingle.

Value for money
1/10
Policy coverage
4/10
Customer service
1/10
Claims handling
1/10
Trust
1/10
Less
Stuart, Victoria, reviewed about 1 month ago
Bingle Car Insurance review
Overall 1/10
Do not use this company!

I had an accident which was not my fault. Hit at the rear whilst I was stationary at traffic lights. Totally not my fault. The young P plater has been messing me around non stop with one thing and another, requested me to get quotes so not to go through insurance. However, as quotes were $4k had to go through insurance. As I had not heard from the P player I decided to go through my insurance. I had to pay $900 excess and was told I will loose my no claims bonus! Complained so got my excess back. How can this be? Almost impossible to get hold of them too. It’s been a month now and I can’t shut my boot and it’s been shunted. I’ve heard nothing at all about where I go from here.

Read full review

I had an accident which was not my fault. Hit at the rear whilst I was stationary at traffic lights. Totally not my fault. The young P plater has been messing me around non stop with one thing and another, requested me to get quotes so not to go through insurance. However, as quotes were $4k had to go through insurance. As I had not heard from the P player I decided to go through my insurance. I had to pay $900 excess and was told I will loose my no claims bonus! Complained so got my excess back. How can this be? Almost impossible to get hold of them too. It’s been a month now and I can’t shut my boot and it’s been shunted. I’ve heard nothing at all about where I go from here.

Value for money
1/10
Customer service
1/10
Claims handling
1/10
Trust
1/10
Less
Karen, Victoria, reviewed about 1 month ago
Bingle Comprehensive Car Insurance Policy review
Overall 1/10
Stay away from Bingle.

For a company that's all about being "online", I'm surprised that the online portal doesn't work. I started my claim last week and every day the portal gives the same response. It's very difficult locating Bingle's actual phone number. My claim has seen terrible procrastination - I have been told it will take 5 days just to assign an assessor to my claim. My recommendation is to go with a full service insurer rather than a budget option.

Read full review

For a company that's all about being "online", I'm surprised that the online portal doesn't work. I started my claim last week and every day the portal gives the same response. It's very difficult locating Bingle's actual phone number. My claim has seen terrible procrastination - I have been told it will take 5 days just to assign an assessor to my claim. My recommendation is to go with a full service insurer rather than a budget option.

Value for money
1/10
Policy coverage
3/10
Customer service
1/10
Claims handling
1/10
Trust
1/10
Less
Stuart, Victoria, reviewed about 1 month ago

Mozo may receive a payment from financial providers listed on the site. Customer reviews are in no way affected by any commercial relationships Mozo has with providers.

Car insurance quick links