Compare comprehensive car insurance and save online

If you’re after top level cover for your car, a comprehensive car insurance policy is the way to go. This is the only type of policy that will pay out for the repair or replacement of your car in the case of an accident that was your fault. It’s also the most expensive, which is why comparing policy features and available discounts can help you to save big. To find the best and most affordable option to suit your needs, compare policy details and discounts below before you get a comprehensive car insurance quote.

Comprehensive car insurance comparisons on Mozo - last updated January 21, 2021

Search promoted car insurance below. Advertiser disclosure.

  • 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.

    Monthly premiums
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    Yes Costs Extra
    Choice of repairer
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    Optional Extra
    Choice of excess
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    $500 - $1,850
    Agreed or market value
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    Agreed Or Market

    Available discounts

    • Online Discount Up To 15%
      Compare
    Details
  • Comprehensive Car Insurance

    Choose car insurance to match your needs, with no extra charges to pay monthly, a flexible excess, lifetime no claims bonus and your choice of repairer. Give our specialist insurance team a call or get your quote online today.

    Monthly premiums
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    Yes
    Choice of repairer
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    Yes
    Choice of excess
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    $100 - $2,000
    Agreed or market value
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    Agreed Or Market

    Available discounts

    • No Claim Discount
    • Loyalty Bonus 5% With Various Conditions
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    Details
  • Comprehensive Car Insurance

    Get car insurance you can count on with up to 40,000 Qantas Points when you join by 28 February. Make this the year you start enjoying more rewarding car insurance. Points awarded will be based on your premium. T&Cs & eligibility apply.

    Monthly premiums
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    Yes Costs Extra
    Choice of repairer
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    Optional Extra
    Choice of excess
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    $400 - $1,850 (varies By State)
    Agreed or market value
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    Agreed Or Market

    Available discounts

    • No Claim Discount
      Compare
    Details
  • Comprehensive Car Insurance

    Stella are changing the tune on car insurance, offering car insurance made especially for women. Features include no claim reward, new car replacement, customise your policy and more. Enter your car rego and get a quick quote online.

    Monthly premiums
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    Yes Costs Extra
    Choice of repairer
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    No
    Choice of excess
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    $800 - $2,000
    Agreed or market value
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    Agreed

    Available discounts

    • No Claim Discount
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    Details
  • Comprehensive Car Insurance

    Easier, better, smarter car insurance. Say g’day to Poncho. They've taken the complicated out of car insurance and created a new route that's simple, u-turn free and keeps you in the driver’s seat. No cancellation fees, 24/7 online claims service and a policy that works just like a monthly subscription.

    Monthly premiums
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    Yes
    Choice of repairer
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    No
    Choice of excess
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    $800 Flat Excess Fee
    Agreed or market value
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    Agreed

    Available discounts

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      Details
    • Comprehensive Car Insurance Policy

      Bingle keeps car insurance simple - choose between Comprehensive and Third Party Car Insurance. Comprehensive covers you for accidental loss or damage to your own car caused by insured events such as accidents, theft, storms, fire.

      Monthly premiums
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      Yes Costs Extra
      Choice of repairer
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      No
      Choice of excess
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      $650 - $795 As A Fixed Excess; Varying Between States
      Agreed or market value
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      Market

      Available discounts

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      • Price Saver Comprehensive

        Save 15% on your first year’s premium when you buy online with Virgin Car Insurance.

        Monthly premiums
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        Yes Costs Extra
        Choice of repairer
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        Optional Extra
        Choice of excess
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        $500 - $1,850
        Agreed or market value
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        Agreed Or Market

        Available discounts

        • No Claim Discount
        • Online Discount 15% Discount On First Year’s Premium
        • Restricted Drivers Discount Available
          Compare
        Details
      • Comprehensive Car Insurance

        Making sure your car insurance is about where you’re at right now could save you lots. Start a quote with Youi today and see what you could save. Exceptional Value Car Insurance award winner in 2020.^

        Monthly premiums
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        Yes Costs Extra
        Choice of repairer
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        Optional Extra
        Choice of excess
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        $400 - $2,500
        Agreed or market value
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        Agreed Or Market

        Available discounts

        • 20% Discount On Contents Insurance If Youi Car Insurance Also Held
          Compare
        Details
      • Comprehensive Car Insurance

        Take advantage of Woolworth's Price Beat on any comparable Comprehensive renewal notice if you're over 25. Buy online and you could save up to 15% on your premium. Features Drive Less, Pay Less to reduce premiums. Get a quote today. Winner in Exceptional Value Car Insurance Award 2020.^

        Monthly premiums
        Calendar icon
        Yes Costs Extra
        Choice of repairer
        tools icon
        No
        Choice of excess
        coins icon
        $500 - $2,000
        Agreed or market value
        Car coin icon
        Agreed Or Market

        Available discounts

        • Online Discount 10%
        • 10% Promotional Discount
        • 5% Discount If You Exclude Drivers Under 25
        • Drive Less Pay Less Option To Reduce Premiums For Limited Kilometres.
          Compare
        Details

      ^See information about the Mozo Experts Choice Car insurance Awards

      Mozo provides general product information. We don't consider your personal objectives, financial situation or needs and we aren't recommending any specific product to you. You should make your own decision after reading the PDS or offer documentation, or seeking independent advice.

      While we pride ourselves on covering a wide range of products, we don't cover every product in the market. If you decide to apply for a product through our website, you will be dealing directly with the provider of that product and not with Mozo.

      Car insurance resources

      Reviews, news, tips and guides to help find the best car insurance for you.

      What is comprehensive car insurance? 

      Comprehensive car insurance is the highest level of motor vehicle cover drivers can take out in Australia. It’s an optional insurance you purchase on top of a Compulsory Third Party (CTP) policy, which you need to legally drive on Aussie roads.

      While CTP insurance (often known as a green slip) offers liability cover to drivers for causing injury or death, comprehensive car insurance focuses on the damage that might happen to your car or other vehicles and property.

      This often includes natural events like floods and hail, accidental damages caused by other drivers and people, and some incidents where you or someone driving your insured car is responsible. 

      This is where comprehensive car insurance differs from third party property damage cover. With third party car insurance you’re generally only covered for damage you cause to other vehicles and property, not your own. So if you want your prized ride covered, take the comprehensive route instead.  

      Most comprehensive policies offer opt-in coverage for extra items or events (at an additional cost). So if you’d like some added security for repairing expensive modifications or a higher level of protection for personal items inside your car, this flexibility could be useful.

      What features are included in comprehensive car insurance? 

      Mozo car insurance features graphic

      Comprehensive car insurance inclusions will differ between providers, but there are some common features to look out for, including: 

      • A new car if yours is written-off

      By ‘new’ this generally means a car of comparable value to the make, model, age and condition of your vehicle at the time it’s written-off. A guaranteed replacement will usually depend on the age of the car since registration (often under two years old), how far it’s been driven (normally less than 60,000km) and whether you’ve chosen to value the car at an agreed or market value.

      • Accidental damage to your car, others cars and property

      The agreed upon coverage will differ depending on circumstances like who was at-fault in the incident or if multiple people shared responsibility. 

      • Damage caused by natural disasters or malicious acts

      Think flooding, fires, hail and storm damage, as well as people breaking into your car, stealing it or otherwise damaging it. Be sure to check your policy for specific occurrences or caveats to this cover. Also make sure you're honest about where you park your car at night (in a garage or on street parking) as this could affect your coverage.

      • Emergency repairs

      These are often the kind of repairs you need to make to get your car back on the road immediately after an incident. Some insurance providers will cover costs for these repairs, up to a dollar figure, without having to do an assessment.

      • Towing, travel and accommodation in an emergency

      In some cases, car insurance companies may cover comprehensive policy holders for reasonable towing costs from a crash scene to an agreed upon mechanic. They may also provide cover for travel and accommodation costs if you’re in an accident a certain distance from your home, although this is normally limited to a daily dollar limit or set timeframe.

      What are comprehensive car insurance optional extras?

      Every driver is different and so everyone should have the option to make their comprehensive car insurance unique. While you’ll pay a little more on top of your standard premium for optional features, it could be your saving grace if you require specialised cover. Some common comprehensive car insurance optional extras include: 

      Windscreen cover: You’re sometimes required to take out windscreen cover as an extra to cover any damage to your windscreen or other glass on your vehicle. You might have to pay an excess to use this feature but some providers will offer excess-free windscreen cover as an optional extra. 

      Hire car cover: Some policies will sort you out with a hire car as standard but only if your car is stolen. Others will cover you after a not-at-fault accident but not after theft. So, you can often opt-in to ensure you are covered for a rental car in all circumstances, including after an at-fault accident. In most cases, there’s normally a maximum price or number of days the provider will agree to cover it for.

      Damage to valuables inside your car during an accident: This can vary significantly between policies. There can be specific dollar limits for certain items like baby capsules or seats, and sometimes it will only cover items if they’re stolen. Some level of this cover could also be included as standard in a comprehensive car insurance policy.

      Roadside assistance: Roadside assistance comes to the rescue with immediate mechanical solutions when you’re broken down. Most insurance companies won’t offer this as standard but some may include it as an optional extra or package deal.

      Choice of repairer: The option to choose your own repairer is available through some comprehensive car insurance policies. This is great for dedicated gearheads with a trusted mechanic they want to oversee all repairs.

      Choice of agreed or market value: Most policies will value your car based on what a vehicle of similar make, model, age and condition could be sold for. This will impact the amount you can be paid out if you write-off the car. In some cases, there may be the option to settle on an agreed value. This is useful if you’ve made modifications which you believe enhance the value of the car or if it’s very new.

      Remember: there are some things that are not covered by comprehensive car insurance. Make sure you know what generally isn't covered by your policy before you start a car insurance claim.

      What can affect my comprehensive quote? 

      There are many factors which go into determining your comprehensive car insurance quote and the final cost of your premium. Every insurance company has a different process but it’s usually centred around identifying statistical risk factors which may be relevant to you. This is used to calculate how likely you are to make a claim and a price is set accordingly.

      As outlined in Mozo’s 2020 car insurance report, a few of the common demographic and driver-based factors which can affect the cost of your comprehensive car insurance include:

      • Your age, gender and location (same goes for any other listed drivers on your policy)

      • How long you’ve been driving, your driving record and your insurance claims history (and for other listed drivers)

      • Where the car is kept – it’ll be cheaper if it’s housed securely in a garage rather than on the street

      • The make, model, age and condition of your car

      • Any modifications or special feature on the car

      • How often the car is driven and for what purpose (e.g. for work or as a rideshare)

      • Whether you choose an agreed or market value.

      How can I lower the cost of comprehensive insurance? 

      Depending on your provider, there are generally discounts or options that can lower the cost of your comprehensive car insurance. 

      For instance, you might be able to choose a higher excess to reduce your annual premium (just remember you’ll have to pay more at claim time this way). Or you can stick to the market value of your car, rather than insuring it for a higher agreed price. 

      Other discounts you might have access to include:

      Mozo comprehensive car insurance discounts
      • Online application discounts. Many providers will offer a decent discount on your first yearly premium if you apply for and buy your policy online. 

      • Loyalty discounts. The longer you stay, the less you could pay. Loyalty discounts are often set to time frame tiers, so your reward will grow slowly with the years you stay with one organisation.

      • Multi-policy discounts. You might get a discount if your household has multiple vehicles insured with the one company or if you also have other kinds of insurance like home & contents cover under the same brand.

      • No claims bonus. This basically a good driving reward handed out when you don’t make any claims on your policy (sometimes you can make a limited number of not-at-fault claims). It’s generally a percentage taken off your premium built up over time which can be reduced or lost if you do make a claim. This is often transferable if you change providers. 

      • Low km policy. This is also known as a pay-as-you-drive policy option. If you don’t drive as often as the average Aussie, this may be cheaper since you’re on the road less and therefore less likely to make a claim. There’s normally a set number of kilometres you’ll have to stick to within a policy period to get the discounted rate but you can often increase this limit for a premium bump up.

      What’s the best comprehensive car insurance? 

      The best comprehensive car insurance policy is one that suits your specific needs and budget. The best way to uncover this ideal policy is to research your options thoroughly and compare car insurance quotes.

      A great place to start this journey is with the Mozo Experts Choice Car Insurance Awards. Each year Mozo’s expert judges analyse thousands of comprehensive car insurance quotes to find some of Australia’s best quality and best value policies.

      See the winning 2020 providers below.

      Mozo Experts Choice Car Insurance Awards - winners graphic

      Comprehensive car insurance FAQs

      What is a comprehensive car insurance excess?

      An excess is an amount you’ll need to pay before your comprehensive insurance kicks in to cover insured costs. Some policies will have a set excess, while others may let you choose a lower or higher option. If you go lower, you may see a premium increase and vice versa. 

      Some situations may require an additional or different level of excess. This can include:

      • A young or inexperienced driver excess

      • An unlisted driver excess (for younger drivers or those with any level of experience)

      • A lower windscreen excess (excess-free window and glass cover may also be an optional extra).

      Who can be covered under my comprehensive car insurance?

      Anyone driving your car with a current Australian drivers licence can be covered under your comprehensive car insurance. You may want to have people who regularly drive your vehicle listed on the policy to avoid paying a higher excess at claim time if they were the driver involved in the incident.

      You may also need to inform your insurance provider if a learner driver is using the vehicle, as they may not always be covered automatically under your policy. Similarly, you may want to tell your provider if a P-plater is using the car to avoid a higher unlisted driver excess. 

      P-plater car insurance can be taken out separately if the driver buys their own car, but some may choose to stay under the family policy, which is an option until they’re 25.

      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). Sometimes car parts can be salvaged or sold as scrap and this profit is factored into the amount you are covered for.

      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).

      When you make a claim on your insurance, you’ll have to pay your excess before any repair work begins on your car. Other expenses to be aware of after a claim include a potential premium increase the following year and a possible hit to your no claims bonus.

      Is comprehensive car insurance different around Australia?

      If you take out a comprehensive car insurance policy in one state or territory, this should cover you around the country. Prices vary between providers but there are also varied cost trends depending on your geographical location.

      Check your Product Disclosure Statement (PDS) for any limits on consecutive days your car can be driven outside the state or territory it’s registered in and still be covered under comprehensive insurance. Registration and CTP costs also differ around Australia.

      Most car insurance companies operate Australia-wide, but if you are looking to compare car insurance policies in your area, Mozo has the details on localised providers in:

      Picture of Olivia Gee
      Olivia Gee
      Money writer

      As a personal finance writer at Mozo, Olivia investigates insurance, banking and property. After completing a double degree in journalism and media and communications, Olivia became a lifestyle editor at Time Out Sydney and freelanced for notable publications such as Guardian Australia and SBS News. Now she is Mozo’s resident car insurance enthusiast, and is certified (ASIC RG146 Tier 2) to provide general advice in general insurance. She also creates audible finance adventures as co-host of Mozo’s podcast, The Finance Burrito.

      Car Insurance Reviews

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      Worst Insurer I have dealt with

      CGU is by far the worst insurer I have been a customer of. There has been absolutely no follow up on my motor vehicle claim whatsoever and I was advised that as I had nominated the driver at fault there would be no excess. Then when I picked up the car for repair it was sprung on me that the vehicle would not be released until I paid an excess. No one seems to know what is going on with the claim when you call, and now I am fighting to get back an excess for something that is obviously not my fault. I would definitely insure elsewhere, I have had much better customer service from all the other major insurers.

      Read full review

      CGU is by far the worst insurer I have been a customer of. There has been absolutely no follow up on my motor vehicle claim whatsoever and I was advised that as I had nominated the driver at fault there would be no excess. Then when I picked up the car for repair it was sprung on me that the vehicle would not be released until I paid an excess. No one seems to know what is going on with the claim when you call, and now I am fighting to get back an excess for something that is obviously not my fault. I would definitely insure elsewhere, I have had much better customer service from all the other major insurers.

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      Mat, New South Wales, reviewed about 9 hours ago
      Shannons Comprehensive Motor Vehicle Insurance review
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      I have 4 cars, 1 bike ,and my house fully insured. Hit a pothole which damaged my rims, tyres and suspension. My car came back worse than before despite it apparently being fixed. Hopeless not happy at all. I am cancelling all my policies with them and going elsewhere. Call themselves the car enthusiasts specialists, what a joke. I would steer clear go elsewhere, total waste of money.

      Read full review

      I have 4 cars, 1 bike ,and my house fully insured. Hit a pothole which damaged my rims, tyres and suspension. My car came back worse than before despite it apparently being fixed. Hopeless not happy at all. I am cancelling all my policies with them and going elsewhere. Call themselves the car enthusiasts specialists, what a joke. I would steer clear go elsewhere, total waste of money.

      Value for money
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      Policy coverage
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      Customer service
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      Claims handling
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      Trust
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      Matthew, South Australia, reviewed about 9 hours ago
      Toyota Finance Car Insurance review
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      Not happy at all!

      Why did I choose Toyota? I don’t know, I’m so angry. My car was stolen Saturday the 21st. I made a police report and made a claim with Toyota. They gave me a rental for two weeks or till the car was recovered. It was found on Monday the 23rd so I called to let them know but because I had already paid $750 for the excess, now I can’t get my money back even though the car was found with no damage. So in a matter of fact I’ve paid $750 for 4 days of car rental, what a rip off!

      Read full review

      Why did I choose Toyota? I don’t know, I’m so angry. My car was stolen Saturday the 21st. I made a police report and made a claim with Toyota. They gave me a rental for two weeks or till the car was recovered. It was found on Monday the 23rd so I called to let them know but because I had already paid $750 for the excess, now I can’t get my money back even though the car was found with no damage. So in a matter of fact I’ve paid $750 for 4 days of car rental, what a rip off!

      Value for money
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      Policy coverage
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      Customer service
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      Claims handling
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      Trust
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      Andrea, New South Wales, reviewed about 9 hours ago