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 |
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.’
Bingle offers two types of car insurance: third party property damage and comprehensive.
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.
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.
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.
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.
306 Reviews
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 reviewI'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.
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 reviewBingle 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.
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 reviewI 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.
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 reviewFor 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.
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