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 26 February, 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
7.5/10
Value for money
Policy coverage
Customer service
Claims handling
Trust

304 Reviews

Recent Comminsure car insurance reviews

Comminsure Car Insurance review
Overall 2/10
Beware Comminsure come claim time.

Comminsure are using their own designated "agreed value" for my write-off on settlement for my claim as well as deducting unused premiums and unused rego and CTP which I paid for from my settlement! Beware Comminsure rip-offs.

Read full review

Comminsure are using their own designated "agreed value" for my write-off on settlement for my claim as well as deducting unused premiums and unused rego and CTP which I paid for from my settlement! Beware Comminsure rip-offs.

Value for money
2/10
Policy coverage
2/10
Customer service
2/10
Claims handling
2/10
Trust
2/10
Less
Alfred, Queensland, reviewed 28 days ago
Comminsure Comprehensive Car Insurance review
Overall 1/10
Take money from your account for charity.

I have been with CommInsurance for year after year. Later I discovered that they have been taking money from my account not only for insurance but for a charity too - $800 per month. When I asked them they say you sign up for charity when signing up for insurance with us but I never signed anything other than insurance. I asked for evidence and they say we will investigate. After a year they claim that they did not find anything and refused to refund me. Still following it, looks like legal action is only way to get back my money. Be careful when signing anything and make sure you read their stupid policy, it isn't easy to read all.

Read full review

I have been with CommInsurance for year after year. Later I discovered that they have been taking money from my account not only for insurance but for a charity too - $800 per month. When I asked them they say you sign up for charity when signing up for insurance with us but I never signed anything other than insurance. I asked for evidence and they say we will investigate. After a year they claim that they did not find anything and refused to refund me. Still following it, looks like legal action is only way to get back my money. Be careful when signing anything and make sure you read their stupid policy, it isn't easy to read all.

Value for money
1/10
Policy coverage
1/10
Customer service
1/10
Claims handling
1/10
Trust
1/10
Less
Fozia, Victoria, reviewed about 1 month ago
Comminsure Comprehensive Car Insurance review
Overall 1/10
Not interested in helping me make a claim through

They are easy to get a hold of but not very helpful when it comes to making a claim for a hire car from the insurance company that covered the car that ran into my car while it was parked.

Read full review

They are easy to get a hold of but not very helpful when it comes to making a claim for a hire car from the insurance company that covered the car that ran into my car while it was parked.

Policy coverage
1/10
Customer service
1/10
Claims handling
10/10
Trust
2/10
Less
Andre, Queensland, reviewed about 2 months ago
Comminsure Comprehensive Car Insurance review
Overall 10/10
Greatest

Always helpful especially when making a claim, no problems, easy to call.

Read full review

Always helpful especially when making a claim, no problems, easy to call.

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

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