
Comprehensive Car Insurance
QBE’s Comprehensive Car Insurance covers you for things like accident damage, fire and theft. Enjoy three year new car replacement. Get a hire car if you’re not at fault. Repair guarantee. Save $75 when you apply online.
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Monthly premiums
-
Yes costs extra
-
Choice of repairer
-
Optional Extra
-
Choice of excess
-
$500 - $2,300
-
Agreed or market value
-
Agreed or Market
Available discounts
- Online discount $75 off new policies
- Monthly premiums available
-
Yes costs extra
- Choice of repairer
-
Optional Extra
- Choice of excess
-
$500 - $2,300
- Agreed or market value
-
Agreed or Market
- Discounts available
-
-
- States where offered
-
SA VIC NT TAS NSW ACT QLD WA
- Roadside assistance
-
No
- Genuine parts
-
Yes - If car was first registered less than 3 years ago, where reasonably available.
- New car if written off
-
Yes - within 3 years and 60,000 km of original registration
- Windscreen cover
-
Yes - standard excess ($0 excess for repair only). Option to reduce windscreen replacement excess to $0 for an additional premium.
- Personal property cover
-
Up to $1,000 if damaged.
- Replacement key cover
-
Yes if stolen.
- Baby capsule or child seat cover
-
Yes
- Trailer or caravan cover
-
Up to $1,000
- Modifications
-
Automatically covered.
- Emergency repairs
-
Up to $500
- Emergency options
-
Reasonable towing cost. Up to $1,000 for the reasonable cost of essential accommodation and transport, if the incident occurs more than 100km from home. $100 travel expenses.
- Rental car after theft
-
Yes - Up to 14 days.
- Rental car after accident
-
Not at fault - yes. At fault - Optional Extra. Up to 14 days.
- Rental car liability
-
Yes - legal liability cover when using a substitute vehicle.
- Legal liability cover
-
$30,000,000
- Accidental death of driver
-
No
- Young driver excess imposed
-
$700 for listed drivers under 25, $2,000 for unlisted drivers under 25.
- Rideshare cover
-
Yes
- Other restrictions
-
-
- Other benefits
-
-
- Online discount
-
$75 off new policies
- Multi-policy discount
-
-
- No claim discount
-
No
- Low km discount
-
No
Terms, conditions, exclusions, limits and sub-limits may apply to any of the insurance products shown on the Mozo website. These terms, conditions, exclusions, limits and sub-limits could affect the level of benefits and cover available under any of the insurance products shown on the Mozo website. Please refer to the relevant Product Disclosure Statement and the Target Market Determination on the provider's website for further information before making any decisions about an insurance product.
Read reviews and learn more about QBE car insurance
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Mozo experts choice awards won:
- Exceptional Value Car Insurance - 2024
- Exceptional Value Young Driver Insurance - 2024
- Exceptional Value Senior Driver Insurance - 2024
Gold Comprehensive Car Insurance
Get award winning Car Insurance. Save 15% ^ on your first year’s premium when you purchase a new policy online. Budget Direct offers tailor-made cover, new-for-old replacement, 24/7 claims, a highly-rated claims service, and get a hire car following a theft.
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Monthly premiums
-
Yes costs extra
-
Choice of repairer
-
Optional Extra
-
Choice of excess
-
$550 - $1,900 (varies by state)
-
Agreed or market value
-
Agreed or Market
Available discounts
- No claim discount
- Online discount 15% off the first year's premium for new policies purchased online. T&C's apply.
- Monthly premiums available
-
Yes costs extra
- Choice of repairer
-
Optional Extra
- Choice of excess
-
$550 - $1,900 (varies by state)
- Agreed or market value
-
Agreed or Market
- Discounts available
-
-
- States where offered
-
SA VIC TAS NSW ACT QLD WA
- Roadside assistance
-
Optional Extra
- Genuine parts
-
No
- New car if written off
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Yes - within 2 years or 40,000 kilometres of original registration, whichever comes first
- Windscreen cover
-
Yes - standard excess. Option to reduce windscreen excess to $40 on every windscreen claim for an additional premium.
- Personal property cover
-
Personal effects cover in the event of a collision, theft or forced entry (up to $500)
- Replacement key cover
-
Up to $1,000 if stolen.
- Baby capsule or child seat cover
-
Child seat or capsule cover in the event of a collision, theft or forced entry (up to $500)
- Trailer or caravan cover
-
Up to $1,000.
- Modifications
-
Covered only if agreed in writing.
- Emergency repairs
-
Up to $500
- Emergency options
-
Automatic inclusion of up to $1,000 for emergency transport and accommodation (max $200 per day).
- Rental car after theft
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Yes - Up to 14 days, max $1,000 total.
- Rental car after accident
-
Not at fault - Yes. At fault - Optional Extra. Up to 14 days for at fault accidents.
- Rental car liability
-
Yes - legal liability cover when using a substitute vehicle.
- Legal liability cover
-
$20,000,000
- Accidental death of driver
-
$5,000 within 12 months of accident.
- Young driver excess imposed
-
$600 for drivers under 21, $500 for drivers under 24, $600 for unlisted drivers, $500 for inexperienced drivers.
- Rideshare cover
-
No
- Other restrictions
-
-
- Other benefits
-
-
- Online discount
-
15% off the first year's premium for new policies purchased online. T&C's apply.
- Multi-policy discount
-
-
- No claim discount
-
Yes
- Low km discount
-
No
Terms, conditions, exclusions, limits and sub-limits may apply to any of the insurance products shown on the Mozo website. These terms, conditions, exclusions, limits and sub-limits could affect the level of benefits and cover available under any of the insurance products shown on the Mozo website. Please refer to the relevant Product Disclosure Statement and the Target Market Determination on the provider's website for further information before making any decisions about an insurance product.
Read reviews and learn more about Budget Direct car insurance
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Mozo experts choice awards won:
- Exceptional Value Car Insurance - 2024
- Exceptional Value Young Driver Insurance - 2024
Comprehensive Car Insurance
ROLLiN’ offers affordable monthly comprehensive car insurance with its fave extras included. That means hire car (up to $80 per day for up to 21 days), no excess on your first covered windscreen, sunroof, and window glass damage once per insurance period and cover for one tow to their nearest authorised repairer, following a covered incident. Lodge a claim online 24/7, zero cancellation fees and no additional excess for young drivers.
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Monthly premiums
-
Yes
-
Choice of repairer
-
No
-
Choice of excess
-
$800 flat excess fee
-
Agreed or market value
-
Agreed
Available discounts
- Get 10% off the base premium for the first 2 consecutive monthly policies and up to a 15% potential monthly discount from your 3rd month for being a safer driver. Minimum premiums may apply. T&Cs apply.
- Monthly premiums available
-
Yes
- Choice of repairer
-
No
- Choice of excess
-
$800 flat excess fee
- Agreed or market value
-
Agreed
- Discounts available
-
Get 10% off the base premium for the first 2 consecutive monthly policies and up to a 15% potential monthly discount from your 3rd month for being a safer driver. Minimum premiums may apply. T&Cs apply.
- States where offered
-
SA VIC NT TAS NSW ACT QLD WA
- Roadside assistance
-
No
- Genuine parts
-
Yes - If car is under 3 years old.
- New car if written off
-
Yes - within 15,000km of original registration
- Windscreen cover
-
Yes - one claim can be made per Insurance Period, with $0 windscreen excess
- Personal property cover
-
No
- Replacement key cover
-
Up to $1,000 if stolen
- Baby capsule or child seat cover
-
Up to $1,000
- Trailer or caravan cover
-
Up to $1,000 for trailer only.
- Modifications
-
Covered only if agreed in writing.
- Emergency repairs
-
Up to $500
- Emergency options
-
Reasonable costs. Up to $500 accommodation and travel cost if greater than 200km from home
- Rental car after theft
-
Yes - Up to 21 days, max $80 per day after a covered event
- Rental car after accident
-
Yes - Up to 21 days, max $80 per day after a covered event
- Rental car liability
-
No
- Legal liability cover
-
$20,000,000
- Accidental death of driver
-
No
- Young driver excess imposed
-
No additional excess for young drivers. $3,000 for unlisted drivers
- Rideshare cover
-
No
- Other restrictions
-
-
- Other benefits
-
Optional benefit to boost the Single Car Value by 15%, it will be shown on your Insurance Certificate
- Online discount
-
n/a
- Multi-policy discount
-
-
- No claim discount
-
No
- Low km discount
-
No
Terms, conditions, exclusions, limits and sub-limits may apply to any of the insurance products shown on the Mozo website. These terms, conditions, exclusions, limits and sub-limits could affect the level of benefits and cover available under any of the insurance products shown on the Mozo website. Please refer to the relevant Product Disclosure Statement and the Target Market Determination on the provider's website for further information before making any decisions about an insurance product.
Read reviews and learn more about ROLLiN' car insurance
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Mozo people's choice awards won:
Find out more about Mozo’s Car Insurance Awards.Comprehensive Car Insurance
Youi like to get to know you from the very first conversation, which provides you with the opportunity to find comprehensive car insurance cover that could better suit your lifestyle and your needs. Because we’re all individuals, so we all use our cars differently from day-to-day. Youi is car insurance that’s a bit more you-shaped. Mozo People's Choice Excellent Customer Service Car Insurance award winner in 2024.
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Monthly premiums
-
Yes costs extra
-
Choice of repairer
-
Optional Extra
-
Choice of excess
-
$400 - $2,500
-
Agreed or market value
-
Agreed or Market
Available discounts
- Monthly premiums available
-
Yes costs extra
- Choice of repairer
-
Optional Extra
- Choice of excess
-
$400 - $2,500
- Agreed or market value
-
Agreed or Market
- Discounts available
-
-
- States where offered
-
SA VIC TAS NSW ACT QLD WA
- Roadside assistance
-
Yes
- Genuine parts
-
Yes - If car is under 3 years old.
- New car if written off
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Yes - within 2 years and a listed driver is the first registered owner
- Windscreen cover
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Yes - standard excess. Option to reduce windscreen excess to $50 for an additional premium.
- Personal property cover
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Up to $750 total or $150 per item if damaged or stolen.
- Replacement key cover
-
Up to $1,000 if stolen.
- Baby capsule or child seat cover
-
Reasonable cost
- Trailer or caravan cover
-
Up to $1,500.
- Modifications
-
Covered only if agreed in writing.
- Emergency repairs
-
Up to $1,000 combined with emergency options
- Emergency options
-
Towing costs. Up to $1,000 travel, accommodation and emergency repair costs if greater than 100 km from home.
- Rental car after theft
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Yes - Up to 14 days.
- Rental car after accident
-
Not at fault - Yes. At fault - Optional Extra. Up to 14 days.
- Rental car liability
-
Yes - legal liability cover when using a substitute vehicle.
- Legal liability cover
-
$20,000,000
- Accidental death of driver
-
No
- Young driver excess imposed
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Unlisted and aged 25 and over: $700, Unlisted and aged under 25: $2,000, Listed and aged under 25: $600
- Rideshare cover
-
Optional Extra
- Other restrictions
-
-
- Other benefits
-
-
- Online discount
-
n/a
- Multi-policy discount
-
-
- No claim discount
-
No
- Low km discount
-
Yes
Terms, conditions, exclusions, limits and sub-limits may apply to any of the insurance products shown on the Mozo website. These terms, conditions, exclusions, limits and sub-limits could affect the level of benefits and cover available under any of the insurance products shown on the Mozo website. Please refer to the relevant Product Disclosure Statement and the Target Market Determination on the provider's website for further information before making any decisions about an insurance product.
Read reviews and learn more about Youi car insurance
Go to site-
Comprehensive Car Insurance
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Monthly premiums
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Yes costs extra
-
Choice of repairer
-
No
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Choice of excess
-
$695 - $2,245
-
Agreed or market value
-
Agreed or Market
Available discounts
- No claim discount
- Online discount $50 off the first year's premium
- Discount on Home and Contents Insurance if held
- Under 25s can get 10% discount by completing AAMI Skilled Driver Course.
- Monthly premiums available
-
Yes costs extra
- Choice of repairer
-
No
- Choice of excess
-
$695 - $2,245
- Agreed or market value
-
Agreed or Market
- Discounts available
-
Under 25s can get 10% discount by completing AAMI Skilled Driver Course.
- States where offered
-
SA VIC NT TAS NSW ACT QLD WA
- Roadside assistance
-
Optional Extra
- Genuine parts
-
No
- New car if written off
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Yes - within 2 years of original registration
- Windscreen cover
-
Yes - standard excess. Option to reduce windscreen excess to $0 for an additional premium.
- Personal property cover
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Up to $1,000 if damaged or stolen, combined with emergency repairs and options.
- Replacement key cover
-
No
- Baby capsule or child seat cover
-
Up to $500 per item.
- Trailer or caravan cover
-
Up to $1,000 for trailer only
- Modifications
-
Automatically covered
- Emergency repairs
-
Up to $1,000 combined with personal property and emergency options.
- Emergency options
-
Reasonable towing costs. Up to $1,000 accommodation costs if greater than 100 km from home (combined with personal property and emergency repairs). $250 for travel cost per incident.
- Rental car after theft
-
Yes - Up to 21 days.
- Rental car after accident
-
Not at fault - Yes. At fault - Optional Extra. Unlimited days, max $90 per day.
- Rental car liability
-
Yes - legal liability cover, accidental loss and damage when using a substitute vehicle.
- Legal liability cover
-
$20,000,000
- Accidental death of driver
-
No
- Young driver excess imposed
-
$400 for listed drivers under 25, $1,400 for unlisted drivers under 25, $400 for listed inexperienced drivers over 25, $1,400 for unlisted inexperienced drivers over 25, $400 for learner drivers.
- Rideshare cover
-
Optional Extra
- Other restrictions
-
-
- Other benefits
-
-
- Online discount
-
$50 off the first year's premium
- Multi-policy discount
-
Discount on Home and Contents Insurance if held
- No claim discount
-
Safe Driver Rewards discount is protected if no more than 1 claim is made per renewal period
- Low km discount
-
Yes
Terms, conditions, exclusions, limits and sub-limits may apply to any of the insurance products shown on the Mozo website. These terms, conditions, exclusions, limits and sub-limits could affect the level of benefits and cover available under any of the insurance products shown on the Mozo website. Please refer to the relevant Product Disclosure Statement and the Target Market Determination on the provider's website for further information before making any decisions about an insurance product.
Read reviews and learn more about AAMI car insurance
Comprehensive Cover
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Monthly premiums
-
Yes
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Choice of repairer
-
Yes
-
Choice of excess
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$200 - $2,000
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Agreed or market value
-
Agreed
Available discounts
- No claim discount
- Safe driver discount for eligible drivers
- Monthly premiums available
-
Yes
- Choice of repairer
-
Yes
- Choice of excess
-
$200 - $2,000
- Agreed or market value
-
Agreed
- Discounts available
-
Safe driver discount for eligible drivers
- States where offered
-
SA VIC NT TAS NSW ACT QLD WA
- Roadside assistance
-
Optional Extra
- Genuine parts
-
No
- New car if written off
-
Yes - within 2 years of original registration
- Windscreen cover
-
Yes - standard excess. Option to reduce excess for first windscreen replacement claim and first two repairs each year to $0 for an additional premium.
- Personal property cover
-
Up to $500 if damaged or stolen.
- Replacement key cover
-
Up to $1,000 if stolen.
- Baby capsule or child seat cover
-
Up to $500
- Trailer or caravan cover
-
No
- Modifications
-
Covered only if agreed in writing.
- Emergency repairs
-
Up to $500
- Emergency options
-
Reasonable towing costs and up to $500 in travel costs. Up to $500 in accommodation costs if greater than 100km from home.
- Rental car after theft
-
Yes - until claim is paid out. If no rental car is available, travel allowance of max $50 per day is paid.
- Rental car after accident
-
Not at fault - Yes. At fault - Optional Extra. Until car is repaired, or claim is paid out. If no rental car is available, travel allowance of max $50 per day is paid.
- Rental car liability
-
Yes - legal liability cover when using a substitute vehicle. $2,000 contribution towards excess or security bond when using a hire car after an event.
- Legal liability cover
-
$20,000,000
- Accidental death of driver
-
No
- Young driver excess imposed
-
$600 for listed drivers under 25, $1,800 for unlisted drivers under 25.
- Rideshare cover
-
No
- Other restrictions
-
-
- Other benefits
-
-
- Online discount
-
n/a
- Multi-policy discount
-
-
- No claim discount
-
Protection of maximum no claim discount for 1 claim per period can be purchased with extra premium.
- Low km discount
-
No
Terms, conditions, exclusions, limits and sub-limits may apply to any of the insurance products shown on the Mozo website. These terms, conditions, exclusions, limits and sub-limits could affect the level of benefits and cover available under any of the insurance products shown on the Mozo website. Please refer to the relevant Product Disclosure Statement and the Target Market Determination on the provider's website for further information before making any decisions about an insurance product.
Read reviews and learn more about Allianz car insurance
Comprehensive Plus Car Insurance
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Monthly premiums
-
Not disclosed
-
Choice of repairer
-
Optional Extra
-
Choice of excess
-
Not disclosed
-
Agreed or market value
-
Agreed or Market
Available discounts
- No claim discount
- Monthly premiums available
-
Not disclosed
- Choice of repairer
-
Optional Extra
- Choice of excess
-
Not disclosed
- Agreed or market value
-
Agreed or Market
- Discounts available
-
-
- States where offered
-
SA VIC NT TAS NSW ACT QLD WA
- Roadside assistance
-
No
- Genuine parts
-
Yes - If car is under 3 years old
- New car if written off
-
Yes - within 3 years of original registration
- Windscreen cover
-
Yes - $0 windscreen excess
- Personal property cover
-
Up to $1,000 if damaged or stolen.
- Replacement key cover
-
Up to $2,000 if stolen.
- Baby capsule or child seat cover
-
Replacement cost
- Trailer or caravan cover
-
Up to $1,500 for trailer or caravan excluding contents.
- Modifications
-
Covered only if agreed in writing.
- Emergency repairs
-
Up to $1,000
- Emergency options
-
Reasonable towing costs. Up to $1,500 for travel and accommodation costs if greater than 100 km from home.
- Rental car after theft
-
Yes - Unlimited days, max $100 per day
- Rental car after accident
-
Not at fault - Unlimited days, max $100 per day. At fault - No.
- Rental car liability
-
Yes - legal liability cover when using a substitute vehicle. $3,000 contribution towards excess or security bond when using a hire car after an event.
- Legal liability cover
-
$20,000,000
- Accidental death of driver
-
No
- Young driver excess imposed
-
Not disclosed
- Rideshare cover
-
Optional Extra
- Other restrictions
-
-
- Other benefits
-
-
- Online discount
-
n/a
- Multi-policy discount
-
-
- No claim discount
-
Not disclosed
- Low km discount
-
No
Terms, conditions, exclusions, limits and sub-limits may apply to any of the insurance products shown on the Mozo website. These terms, conditions, exclusions, limits and sub-limits could affect the level of benefits and cover available under any of the insurance products shown on the Mozo website. Please refer to the relevant Product Disclosure Statement and the Target Market Determination on the provider's website for further information before making any decisions about an insurance product.
Read reviews and learn more about ANZ car insurance
Comprehensive Car Insurance
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Monthly premiums
-
Yes
-
Choice of repairer
-
No
-
Choice of excess
-
$650 - $1,645
-
Agreed or market value
-
Agreed or Market
Available discounts
- No claim discount
- Online discount 10% off first year's premium
- Multi policy discount of 10% off each new eligible policy with Apia.
- Customers who drive less than 20,000km per year can save up to 23%.
- Monthly premiums available
-
Yes
- Choice of repairer
-
No
- Choice of excess
-
$650 - $1,645
- Agreed or market value
-
Agreed or Market
- Discounts available
-
Customers who drive less than 20,000km per year can save up to 23%.
- States where offered
-
SA VIC NT TAS NSW ACT QLD WA
- Roadside assistance
-
Optional Extra
- Genuine parts
-
No
- New car if written off
-
Yes - within 2 years of original registration. New car after theft if less than 10 years old up to $40,000 limit
- Windscreen cover
-
Yes - standard excess. Option to reduce excess for first windscreen claim each year to $0 for an additional premium.
- Personal property cover
-
Up to $1,500 if damaged or stolen, limit combined with emergency repairs and emergency accommodation.
- Replacement key cover
-
No
- Baby capsule or child seat cover
-
Up to $750
- Trailer or caravan cover
-
Up to $2,000 for trailer only
- Modifications
-
Automatically covered.
- Emergency repairs
-
Up to $1,500 combined with emergency accommodation and lose/damage to personal property cover
- Emergency options
-
Cost of one tow. Up to $1,500 accommodation costs if greater than 100km from home combined with emergency repairs. Up to $500 for travel costs.
- Rental car after theft
-
Yes - Up to 21 days.
- Rental car after accident
-
Not at fault - Yes. At fault - Optional Extra. Unlimited days, max $90 per day.
- Rental car liability
-
Yes - legal liability cover, accidental loss and damage when using a substitute vehicle.
- Legal liability cover
-
$20,000,000
- Accidental death of driver
-
$5,000 within 12 months of accident.
- Young driver excess imposed
-
$1,500 for drivers under 25
- Rideshare cover
-
No
- Other restrictions
-
-
- Other benefits
-
-
- Online discount
-
10% off first year's premium
- Multi-policy discount
-
Multi policy discount of 10% off each new eligible policy with Apia.
- No claim discount
-
Maximum no claim discount is protected for life against claims after 3 years.
- Low km discount
-
Yes
Terms, conditions, exclusions, limits and sub-limits may apply to any of the insurance products shown on the Mozo website. These terms, conditions, exclusions, limits and sub-limits could affect the level of benefits and cover available under any of the insurance products shown on the Mozo website. Please refer to the relevant Product Disclosure Statement and the Target Market Determination on the provider's website for further information before making any decisions about an insurance product.
Read reviews and learn more about Apia car insurance
Comprehensive Car Insurance
-
Monthly premiums
-
Yes costs extra
-
Choice of repairer
-
Optional Extra
-
Choice of excess
-
$500 - $2,200
-
Agreed or market value
-
Agreed or Market
Available discounts
- Online discount $75 off first year's premium
- Monthly premiums available
-
Yes costs extra
- Choice of repairer
-
Optional Extra
- Choice of excess
-
$500 - $2,200
- Agreed or market value
-
Agreed or Market
- Discounts available
-
-
- States where offered
-
SA VIC TAS NSW ACT QLD WA
- Roadside assistance
-
No
- Genuine parts
-
Yes - If car was first registered less than 3 years ago when available
- New car if written off
-
Yes - within 3 years and 60,000 km of original registration
- Windscreen cover
-
Yes - standard excess ($0 excess for repair only). Option to reduce windscreen replacement excess to $0 for an additional premium.
- Personal property cover
-
Up to $1,000
- Replacement key cover
-
Yes if stolen.
- Baby capsule or child seat cover
-
Yes
- Trailer or caravan cover
-
Up to $1,000
- Modifications
-
Automatically covered.
- Emergency repairs
-
Up to $500
- Emergency options
-
Reasonable towing cost. Up to $1,000 for the reasonable cost of essential accommodation and transport, if the incident occurs more than 100km from home. $100 travel expenses.
- Rental car after theft
-
Yes - Up to 14 days.
- Rental car after accident
-
Not at fault - Yes. At fault - Optional Extra. Up to 14 days.
- Rental car liability
-
Yes - legal liability when using a substitute vehicle
- Legal liability cover
-
$30,000,000
- Accidental death of driver
-
No
- Young driver excess imposed
-
$600 for listed drivers under 25, $1,600 for unlisted drivers under 25.
- Rideshare cover
-
Yes
- Other restrictions
-
-
- Other benefits
-
-
- Online discount
-
$75 off first year's premium
- Multi-policy discount
-
-
- No claim discount
-
No
- Low km discount
-
No
Terms, conditions, exclusions, limits and sub-limits may apply to any of the insurance products shown on the Mozo website. These terms, conditions, exclusions, limits and sub-limits could affect the level of benefits and cover available under any of the insurance products shown on the Mozo website. Please refer to the relevant Product Disclosure Statement and the Target Market Determination on the provider's website for further information before making any decisions about an insurance product.
Read reviews and learn more about Australia Post car insurance
Seniors Comprehensive Car Insurance
-
Monthly premiums
-
Yes costs extra
-
Choice of repairer
-
No
-
Choice of excess
-
$500 - $5,000
-
Agreed or market value
-
Agreed
Available discounts
- 5% for seniors card holders
- Monthly premiums available
-
Yes costs extra
- Choice of repairer
-
No
- Choice of excess
-
$500 - $5,000
- Agreed or market value
-
Agreed
- Discounts available
-
5% for seniors card holders
- States where offered
-
SA VIC NT TAS NSW ACT QLD WA
- Roadside assistance
-
Optional Service
- Genuine parts
-
Yes - If car is under manufacturers standard new car warranty period.
- New car if written off
-
Yes - within 2 years of original registration
- Windscreen cover
-
Yes - standard excess. Option to reduce excess for first windscreen claim each year to $0 for an additional premium.
- Personal property cover
-
Up to $500 if damaged or stolen.
- Replacement key cover
-
Up to $1,000 if stolen.
- Baby capsule or child seat cover
-
Up to $500
- Trailer or caravan cover
-
Up to $1,000.
- Modifications
-
Covered only if agreed in writing.
- Emergency repairs
-
Up to $500
- Emergency options
-
Reasonable towing costs. Up to $500 travel and accommodation costs if greater than 200 km from home.
- Rental car after theft
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Yes - Up to 14 days, max $50 per day.
- Rental car after accident
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Optional Extra - Up to 14 days, max $50 per day.
- Rental car liability
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Yes - legal liability cover when using a substitute vehicle.
- Legal liability cover
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$20,000,000
- Accidental death of driver
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No
- Young driver excess imposed
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$1,200 for listed drivers under 21, $800 for listed drivers aged 21 to 24, $2,000 for unlisted drivers under 21, $1,600 for unlisted drivers between 21 and 25, $800 for inexperienced drivers over 25, $800 for learner drivers.
- Rideshare cover
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No
- Other restrictions
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-
- Other benefits
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-
- Online discount
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n/a
- Multi-policy discount
-
-
- No claim discount
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No
- Low km discount
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Yes
Terms, conditions, exclusions, limits and sub-limits may apply to any of the insurance products shown on the Mozo website. These terms, conditions, exclusions, limits and sub-limits could affect the level of benefits and cover available under any of the insurance products shown on the Mozo website. Please refer to the relevant Product Disclosure Statement and the Target Market Determination on the provider's website for further information before making any decisions about an insurance product.
Read reviews and learn more about Australian Seniors car insurance
Your selected car insurance
Comprehensive car insurance is the highest level of optional car insurance you can stack on top of the mandatory ‘compulsory third-party’ (CTP) insurance every motorist must have. While CTP covers injuries or death you cause to yourself, passengers, other drivers and pedestrians, comprehensive car insurance covers you for nearly everything else: your car, their car, other property and financial damages others incur.
It also covers your car against natural events like floods and hail, and will often cover damage to your car caused by an uninsured driver.
What does comprehensive car insurance cover?
Let's dig a little deeper at some of the features included in most comprehensive car insurance policies. These cover areas are what truly set comprehensive policies apart from lesser policies.
- Accidental damage. Pays for towing, repairs or replacements if your car is damaged in an accident you cause. For example, you hit someone else or crash into a wall.
- Natural events. Covers you for damages due to natural events like hail, flood or falling branches.
- Uninsured drivers. Covers damages to your car if an uninsured driver hits you and damages your car.
- Theft. Covers you if someone steals your car and it’s never found or comes back damaged.
- Damage to others. Covers damages you cause to others’ cars, property, animals or finances (for example if they have to miss work).
All insurance companies are required to outline in full detail what exactly they cover in a document called the product disclosure statement (PDS).
The insurer will usually have a link at the bottom of their policy page, which leads to a section of the site where you can download the PDS of any live policy.
Use our table above to compare major high-level features, and then consult the PDS of those you are interested in. Learn more about how to read a PDS.
Other features of comprehensive car insurance
Your comprehensive car insurance policy will probably contain a few standard ‘perks’ that will make life easier after an accident.
- Travel and accommodation. If your car needs towing and you’re far from home, many policies will pay for you to get back home or cover the costs of a hotel.
- Emergency repairs. If immediate repairs will help get your car running again safely, your policy may cover these repairs before getting it assessed further.
- New for old replacement. For brand new cars with low mileage, many policies will replace your car with a new one of similar make and model, if yours is damaged beyond repair. Without this feature, you’ll still be covered but only up to the dollar amount you’re covered for, which can be either an agreed value or market value.
- Not-at-fault hire car. Most comprehensive policies will pay for a hire car while your car is being repaired due to an incident covered by your policy, where you weren’t at fault.
- Personal items. Most comprehensive policies will cover you for a token amount toward personal items (like child safety seats, laptops or cameras) if they were damaged or destroyed as part of a larger covered event (like a collision or natural event). You may even be able to increase the dollar amount covered by paying a little extra on your premium.
- Choice of excess. The excess is a dollar figure, specified in your policy, that you agree to pay whenever you claim. Most policies (comprehensive or otherwise) allow you to select your level of excess. Your choices can range from $0 to $2000 or more. A higher excess usually means lower premiums, and vice versa.
Want to learn more about excess?
Click to explore our comprehensive guide. View
Use our comparison table above or consult the PDS of any policies you’re interested in to see if a policy offers these perks, for what dollar amount and under what conditions.
Optional add-ons for comprehensive car insurance
The following features are often available to add to your comprehensive cover, but since they aren’t standard features, they typically cost a few bucks more to add them:
- Roadside assistance. Sends help if you’re stranded after minor issues like a dead battery or flat tyre. The service is free, though you may pay for new parts.
- Choice of repairer. Most insurers have preferred repairers, but you can often pay a little extra to use your own.
- Reduced or waived windshield excess. Lowers or removes your excess for damage to your windscreen or window glass.
- At-fault hire car. Gives you a hire car while yours is being repaired for an accident you caused.
- Agreed value. A dollar amount agreed with your insurer at policy inception, unaffected by depreciation. The alternative is market value, which reflects the going rate for a similar car.
Agreed vs. market value
Learn the difference with our detailed guide. View
Some car insurance companies will bundle some or all of these into a more expensive product called Comprehensive Plus or Premium car insurance. These are just unofficial labels some insurance companies use to refer to comprehensive car insurance policies with all the bells and whistles included.
How much is comprehensive car insurance?
Our 2024 Mozo Car Insurance Report found that the average Aussie pays $1,717 per year on car insurance. Keep in mind this includes all levels of cover, cars of all ages, makes and models, and among drivers of all ages and driving histories.
But the fact is, the cost of a car insurance policy can change significantly depending on a variety of behavioural and situational factors unique to you and your car, like your age, location, parking situation, driving history, make and model of your car and more.
They'll use this data to assign each policyholder a risk profile, which they’ll use to calculate your premiums, so it's tricky to know exactly what you'll end up paying until you’ve actually requested a quote.
Use the quote process to get an estimate. It’s obligation-free, quick and straightforward. Just find a few policies you like from our comparison table above, follow the link to the quote page. Then simply fill in the requested details, click ‘get quote’ and within seconds you’ll get an estimate of your premium.
It’s completely up to you if you want to take the next steps and make the purchase.
Learn more about car insurance quotes
Click here for our comprehensive guide View
What’s the best comprehensive car insurance?
Our expert insurance experts and analysts place the best car insurance policies in Australia into one of two categories:
- Exceptional value. Comprehensive car insurance policies that hit that sweet spot between price and must-have features.
- Exceptional quality. Comprehensive car insurance policies that stand out for their generous perks and flexible options, price aside.
The definition of “best” differs from person to person. So if either of these categories speak to you, check out our top picks in those categories on our 2024 Mozo Experts Choice Awards page.
Find out who won
Check out our winners in the 2024 Mozo Experts Choice Awards for car insurance View
What’s the cheapest comprehensive car insurance?
You can’t go wrong checking out our Exceptional Value comprehensive car insurance picks mentioned above. They’re the cheapest we’ve found based on our requirement that they contain all the essential features most drivers need in a comprehensive policy. But if you want more help, our guide to cheap car insurance explains ways you can bring your premiums even lower via discounts and other methods.
Learn how to save on car insurance.
Check out our guide to cheap car insurance in Australia. View
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Comprehensive car insurance FAQs
Who can be covered under my comprehensive car insurance?
Anyone with a current Australian drivers licence, and your permission to drive the car, is covered under your policy. If it’s a learner driver, you’ll have to meet all legal requirements required by your state, including supervision by a full licence-holder.
If they’re not listed on your policy, you’ll likely be charged an unlisted driver excess on top of your standard excess if they cause any damages. Adding all regular drivers as ‘listed drivers’ can help you avoid this additional excess, but it can impact your premium if any of those drivers have a higher risk profile. So you’ll have to weigh up the cost of the premium vs any additional excess for unlisted drivers.
What is a ‘write-off’ in my comprehensive car insurance?
A car is classified as a write-off when the costs to repair the damage outweighs the value of the vehicle. It could also be the case that the car is mechanically irreparable. This will be determined by your insurance company's assessors.
Your comprehensive car insurance policy will step in and either pay out the amount you are insured for or pay for the purchase of a new car (minus your excess and other costs).
How do I make a comprehensive car insurance claim?
Every provider will have a slightly different claims process but most offer the option to lodge a claim online or over the phone. The important information you’ll need to have on hand when you make a claim includes:
- Your personal details and insurance information
- The date, time and location of the incident
- An account of the events and road conditions at the time
- The details of any drivers involved in the incident (including contact info, licence number, car registration and insurance details)
- Contact information and statements from any witness
- Any photo evidence of the incident or damages to vehicles and property
- A police report (if applicable).
Our guide on what to do after an accident offers more detail about how to gather all pertinent information. You can also check out our guide to making a car insurance claim to learn more about the claims process.
What are the other levels of car insurance?
If comprehensive car insurance seems like too much cover for you, there are other options. Just be aware that your car won’t be covered for any collisions that are your fault.
Here are the two other optional covers you can stack on top of your mandatory CTP insurance:
- Third-party property (TPP). Third-party property insurance is the lowest level of optional cover you can buy. It only covers the damage that your car causes to other people's vehicles or property.
- Third-party fire and theft (TPFT). Third-party fire and theft insurance is one (small) step up from TPP. This covers you for everything TPP does, plus your car in the event of fire or theft.
Neither of these options cover your car for collisions you cause or weather-related events (except for fire in the case of TPFT).
What is CTP insurance?
CTP stands for compulsory third-party insurance, also referred to as your green slip. It covers medical or death-related costs if you cause an accident that results in the unfortunate death or injury of anyone involved including yourself, your passengers, drivers and passengers of other vehicles, or pedestrians.
It’s mandatory because such costs can far outweigh damages to physical property, and it eases the burden on the medical system, while providing the necessary medical attention the involved parties might need.
Keep in mind that it may not cover your medical costs if you’re drink driving or committing any severe driving offence.
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