CommInsure car insurance

If you’re looking for an insurance policy to cover your wheels, who better to turn to than Australia’s largest bank? Comminsure is the insurance branch of the Commonwealth Bank Group and was first introduced in 1999.

Check out the details of the car insurance policies on offer below:

CommInsure offers the following car insurance policies

Rates and fees verified as correct at 17 October, 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

Yes

up to 70%

10%

Yes

What’s covered?

With a Comminsure car insurance policy in your pocket, you’re protected for a bunch of different events, including:

What’s not?

Certain things are excluded from your car insurance cover. In general, your policy won’t cover devaluation of your car due to aging, or regular wear and tear. Your Comminsure policy also doesn’t include cover for:

There are also some things that aren’t covered under your regular policy, but can be added as optional extras, including special modifications made to your vehicle or the cost of a hire car after an accident.

How much does Comminsure car insurance cost?

There are a few different things that might affect how much you pay for your Comminsure policy. These include:

Premium

Some things that might determine how much your Comminsure premium is, include:

  • Your car’s make, model, series and year of manufacture
  • Your car’s value, including the value of any modifications or accessories
  • Whether you choose to be insured for the market or agreed value of your car
  • The age and gender of the drivers
  • Where your car is parked overnight

Discounts

Everyone loves a discount and they can really help to knock a few bucks off your insurance bill. At Comminsure, you can snag a no claims discount, as well as a discount for buying your policy online.

Excess

You can choose to pay either a low or high excess on your Comminsure policy, but remember: if you opt for low excess, you’ll pay a higher premium, and vice versa.

Also keep in mind that there’s an extra excess if the person driving your car is under 25, not listed on your policy or has held a licence for less than 2 years.

How do I pay my premium?

When you take out a Comminsure car insurance policy, you can either pay your premium as one lump sum each time you renew your policy, or you can choose to pay on a monthly basis at no extra cost. 

How is Comminsure rated by customers?

We now that the facts and figures can only tell you so much about what it’s really like to have insurance with Comminsure. That’s why we’ve got a customer review section, where you can read the opinions of Comminsure customers. They’ve rated their experience in a bunch of different areas, including the level of coverage their policy gives them and how easy it was to make a claim.

Making a claim

If you need to make a claim on your Comminsure car insurance policy you can call the 24/7 claims line or fill in an online claims form. When you do, make sure you have some information on hand, including:

  • The name, address and phone number of any drivers involved in the accident
  • The registration number of any vehicles involved in the accident
  • If possible, the name and contact details of any witnesses to the accident

How is CommInsure car insurance rated?

Mozo users have rated CommInsure 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
CommInsure car insurance
Overall
Value for money
Policy coverage
Customer service
Claims handling
Trust

313 Reviews

Recent CommInsure car insurance reviews

CommInsure Comprehensive Car Insurance
Overall 4/10
I wish you can change policy online

Not easy to change policy online as would need to call.

Read full review

Not easy to change policy online as would need to call.

Value for money
7/10
Policy coverage
1/10
Customer service
3/10
Less
Jared, New South Wales, reviewed about 1 month ago
CommInsure Car Insurance
Overall 1/10
Terrible Claims experience

20 days after my claim still crickets. Terrible communication. Very unhappy.

Read full review

20 days after my claim still crickets. Terrible communication. Very unhappy.

Value for money
5/10
Policy coverage
10/10
Customer service
1/10
Claims handling
1/10
Trust
1/10
Less
Rober, Victoria, reviewed 4 months ago
CommInsure Car Insurance
Overall 1/10
Pathetic 4 weeks to approve claim

Took four weeks for assessment to be approved after hitting a kangaroo in the country. I was informed this was because the accident happened in the country. Seems like second class cover for rural dwellers or for those who travel outside Melbourne. We were less than 1 hour from the CBD.

Read full review

Took four weeks for assessment to be approved after hitting a kangaroo in the country. I was informed this was because the accident happened in the country. Seems like second class cover for rural dwellers or for those who travel outside Melbourne. We were less than 1 hour from the CBD.

Value for money
1/10
Customer service
1/10
Claims handling
1/10
Trust
1/10
Less
Rose, Victoria, reviewed 4 months ago
CommInsure Car Insurance
Overall 2/10
Insurance denied

My car was a write off and it took them 3 weeks to inform me I wont be paid out

Read full review

My car was a write off and it took them 3 weeks to inform me I wont be paid out

Value for money
3/10
Policy coverage
3/10
Customer service
3/10
Claims handling
3/10
Trust
2/10
Less
Leanne, Queensland, reviewed 5 months ago

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