Is comprehensive car insurance worth it?
Is comprehensive car insurance worth it? Our answer is a firm 'yes' for the vast majority of drivers. The key is to understand how that value applies to your specific situation.
We'll help you do just that by asking four simple questions. So let’s dig in!
On this page:
- Understanding comprehensive car insurance coverage
- Question 1: What’s the value of your car?
- Question 2: Can you afford to replace your car or live without it?
- Question 3: Do you owe money on your car?
- Question 4: What are your car insurance alternatives?
- Bonus question: Which comprehensive car insurance is really worth it?
Understanding comprehensive car insurance coverage
Before we get into our four questions, let’s do a quick refresher on what comprehensive car insurance covers:
- Damage to someone else’s car or property
- Damage to your own car
- Theft
- Fires
- Floods
- Storms
- Earthquakes
- and more.
For all intents and purposes, it’s the only level of cover that protects your car from weather-related events and accidents you cause. Third-party fire and theft will cover you for fire and theft, but that’s barely a blip on the damage radar.
So if you’re still not convinced about the value of your comprehensive policy, we strongly suggest you ask yourself the following questions before you decide to downgrade:
Question 1: What’s the value of your car?
If replacing your car out of your own pocket would be a huge financial hit, opting for comprehensive insurance is typically wise.
This becomes less necessary the lower your car is worth. On average, Australians pay around $1,400 for car insurance. So if your car is worth, say, $3000 or less, you may be safe going with a lower insurance option.
But for cars valued above that, especially if replacing it would strain your finances, comprehensive coverage is often the best choice.
These are just examples and your situation may be different. At the end of the day, whether comprehensive car insurance is worth it or not depends on your unique circumstances and comfort level.
Question 2: Can you afford to replace your car or live without it?
If you can't afford to replace your car, or live without one, then comprehensive car insurance is probably worth it.
If it's possible for you to arrange other modes of transport to get to work, or if your car's more of a luxury transportation device for you, then you might consider dropping your comprehensive policy.
However, if you don’t have a sizable sum of cash lying around or if you absolutely need your car for family or work purposes, this probably isn’t an option.
If you go with a lower form of cover and then get in an accident, you could be without your car until the necessary funds become available to fix or replace it.
Question 3: Do you owe money on your car?
Did you have to externally finance the purchase of your car? You might not be able to drop your comprehensive car insurance without voiding the conditions of your loan. So, check with your car loan provider before taking steps to cancel your comprehensive policy.
Even if that’s not the case, dropping comprehensive car insurance with a pricey car loan hanging over your head might not be the smartest move.
If you find yourself in an at-fault car accident, then you could be left with the bill to repair or replace your car as well as the outstanding loan.
So if you have loan repayments to keep up with, it’s probably worth getting comprehensive car insurance.
Question 4: What are your car insurance alternatives?
If you’ve gotten this far and are still considering making the switch to a more budget-friendly car insurance option, then you’ll want to know exactly what your options are.
If you’re not wanting to insure your car comprehensively anymore, you generally have two options: third party property and third party fire and theft.
- Third party property. Consider third-party property as the entry-level car insurance option. It covers you for any damages you make to someone else's car or other property. But it doesn’t cover your car at all.
- Third party fire and theft. Third-party fire and theft is basically third-party property with a couple of token protections for your car, namely against fire (fire damages your car) and theft (your car is stolen). It’s useful if you don’t want comprehensive cover, but live in a bushfire-prone or high-crime area.
And don't forget you'll also need to take out compulsory third party (CTP) insurance to legally drive in Australia.
This essential level of car insurance covers you for costs related to injuries and deaths caused by road accidents.
If after reading this you’re feeling a little uneasy at the thought of going without your comprehensive car insurance, it is probably best to stick with a higher level of cover. But remember to shop around using Mozo’s car insurance comparison page.
Bonus question: Which comprehensive car insurance is really worth it?
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So, how do you spot a policy that’s truly worth the price? We believe the experts are your best guide. With that in mind, consider this standout provider who was recognised for Australia's Best Value Car Insurer in the 2024 Mozo Expert Choice Awards for Car Insurance.
Car insurance comparisons on Mozo
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Promoted
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 - 2025
- Exceptional Value Young Driver Insurance - 2025
- Exceptional Value Senior Driver Insurance - 2025
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
-
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. More than one additional excess may apply.
- 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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Comprehensive Car Insurance
ROLLiN’ offers monthly comprehensive car insurance with extras included – hire car cover (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 after a covered incident.
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Monthly premiums
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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
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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 2025.
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Monthly premiums
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Yes costs extra
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Choice of repairer
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No
-
Choice of excess
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$400 - $2,500 (varies by policy)
-
Agreed or market value
-
Agreed or Market
Available discounts
- Monthly premiums available
-
Yes costs extra
- Choice of repairer
-
No
- Choice of excess
-
$400 - $2,500 (varies by policy)
- Agreed or market value
-
Agreed or Market
- Discounts available
-
-
- States where offered
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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
-
Yes - within 2 years and a listed driver is the first registered owner
- Windscreen cover
-
Yes - standard excess. Option to reduce windscreen excess to $50 for an additional premium.
- Personal property cover
-
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
-
Yes - Up to 21 days.
- Rental car after accident
-
Not at fault - Yes. At fault - Optional Extra. Up to 21 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
-
Unlisted and aged 25 and over: $700, Unlisted and aged under 25: $3,000, Listed and aged under 25: $600 (varies per policy)
- 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
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Comprehensive Car Insurance
Get comprehensive cover for your car with Everyday Car Insurance from Woolworths. We can protect you from accidental damage, fire, theft, and more. Comprehensive cover tailored to how far you drive with Drive Less Pay Less. Get 10% off an in-store Woolworths shop every month. T&Cs apply. Quality cover you can count on with 24/7 emergency claims assistance, optional extras and optional Roadside Assist. (Offers are subject to T&Cs and eligibility criteria.)
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Monthly premiums
-
Yes costs extra
-
Choice of repairer
-
No
-
Choice of excess
-
$500 - $2,000
-
Agreed or market value
-
Agreed or Market
Available discounts
- Drive Less Pay Less option to reduce premiums for limited kilometres.
- Monthly premiums available
-
Yes costs extra
- Choice of repairer
-
No
- Choice of excess
-
$500 - $2,000
- Agreed or market value
-
Agreed or Market
- Discounts available
-
Drive Less Pay Less option to reduce premiums for limited kilometres.
- States where offered
-
SA VIC NT TAS NSW ACT QLD WA
- Roadside assistance
-
Optional Service - $88 a year with a new Car Insurance policy
- 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 front 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 200km from home.
- Rental car after theft
-
Yes - Up to 14 days, max $50 per day.
- Rental car after accident
-
Optional Extra. Up to 14 days, max $50 per day.
- 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
-
$1,200 for listed drivers under 21, $800 for listed drivers between 21 and 25, $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
-
No
- Other restrictions
-
-
- Other benefits
-
10% off a single in-store grocery shop every month, max. savings $50 per shop, conditions apply.
- 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 Everyday Insurance from Woolworths car insurance
Go to site-
Comprehensive Car Insurance
-
Monthly premiums
-
Yes costs extra
-
Choice of repairer
-
No
-
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
-
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
-
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
-
Monthly premiums
-
Yes
-
Choice of repairer
-
Yes
-
Choice of excess
-
$200 - $2,000
-
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 Car Insurance
-
Monthly premiums
-
Yes
-
Choice of repairer
-
Yes
-
Choice of excess
-
$600 - $2,100
-
Agreed or market value
-
Agreed or Market
Available discounts
- No claim discount
- Monthly premiums available
-
Yes
- Choice of repairer
-
Yes
- Choice of excess
-
$600 - $2,100
- 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
-
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 $1,000 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 and up to $500 in travel costs. Up to $1,000 travel and accommodation costs if greater than 100km from home.
- Rental car after theft
-
Yes - Up to 30 days, max $100 per day.
- Rental car after accident
-
Not at fault - Optional Extra. At fault - Optional Extra. Up to 30 days, max $100 per day.
- 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
-
$25,000 within 12 months of injury.
- Young driver excess imposed
-
$600 for listed drivers under 25, $1,800 for unlisted drivers under 25.
- Rideshare cover
-
Optional Extra
- Other restrictions
-
-
- Other benefits
-
-
- Online discount
-
n/a
- Multi-policy discount
-
-
- No claim discount
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Protection of maximum no claim discount for 1 claim per period can be purchased with extra premium.
- 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 Beyond Bank car insurance
Mozo experts choice awards won:
- Exceptional Value Car Insurance - 2025
- Exceptional Value Young Driver Insurance - 2025
- Exceptional Value Senior Driver Insurance - 2025
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
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Yes costs extra
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Choice of repairer
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Optional Extra
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Choice of excess
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$550 - $1,900 (varies by state)
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Agreed or market value
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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
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Yes costs extra
- Choice of repairer
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Optional Extra
- Choice of excess
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$550 - $1,900 (varies by state)
- Agreed or market value
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Agreed or Market
- Discounts available
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-
- States where offered
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SA VIC TAS NSW ACT QLD WA
- Roadside assistance
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Optional Extra
- Genuine parts
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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
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Yes - standard excess. Option to reduce windscreen excess to $40 on every windscreen claim for an additional premium.
- Personal property cover
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Personal effects cover in the event of a collision, theft or forced entry (up to $500)
- Replacement key cover
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Up to $1,000 if stolen.
- Baby capsule or child seat cover
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Child seat or capsule cover in the event of a collision, theft or forced entry (up to $500)
- Trailer or caravan cover
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Up to $1,000.
- Modifications
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Covered only if agreed in writing.
- Emergency repairs
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Up to $500
- Emergency options
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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
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Not at fault - Yes. At fault - Optional Extra. Up to 14 days for at fault accidents.
- 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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$5,000 within 12 months of accident.
- Young driver excess imposed
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$600 for drivers under 21, $500 for drivers under 24, $600 for unlisted drivers, $500 for inexperienced drivers. More than one additional excess may apply.
- 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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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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Comprehensive Car Insurance
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Monthly premiums
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Yes
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Choice of repairer
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No
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Choice of excess
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$500-$2,000
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Agreed or market value
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Agreed or Market
Available discounts
- Online discount 10%
- 10% Online
- Monthly premiums available
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Yes
- Choice of repairer
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No
- Choice of excess
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$500-$2,000
- Agreed or market value
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Agreed or Market
- Discounts available
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10% Online
- States where offered
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SA VIC NT TAS NSW ACT QLD WA
- Roadside assistance
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Optional Extra
- Genuine parts
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Yes - If car is under 3 years old.
- New car if written off
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Yes - within 2 years of original registration
- Windscreen cover
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Yes - standard excess. Option to reduce excess for first windscreen claim each year to $0 for an additional premium.
- Personal property cover
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Up to $500 if damaged or stolen. Up to $1,000 for mobility devices and disability aids.
- Replacement key cover
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Up to $1,000 if stolen.
- Baby capsule or child seat cover
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Up to $500
- Trailer or caravan cover
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Up to $1,000.
- Modifications
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Covered only if agreed in writing.
- Emergency repairs
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Up to $500
- Emergency options
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Reasonable towing costs. Up to $600 accommodation costs if greater than 200 km from home. Up to $500 travel costs.
- Rental car after theft
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Yes - Up to 14 days, max $75 per day.
- Rental car after accident
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Not at fault - Optional Extra. At fault - Optional Extra. Up to 14 days, max $75 per day.
- Rental car liability
-
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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YOUNG DRIVER EXCESS IMPOSED - $800 for listed drivers under 25, $1,600 for unlisted drivers under 25, $800 for inexperienced drivers over 25.
- Rideshare cover
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No
- Other restrictions
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-
- Other benefits
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Emergency Accommodation
up to $600 if more than 200km from home and
car cannot be driven because of a claimable
- Online discount
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10%
- Multi-policy discount
-
-
- No claim discount
-
-
- 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
Your selected car insurance
FAQs
When is comprehensive car insurance not worth it?
Despite its benefits, comprehensive car insurance may not be the best fit for everyone. Here's when it might not be worth it:
- Older and lower-value vehicles. As we mentioned before, if the cost of insurance is a substantial percentage of your car’s value, it might be worth passing on the comprehensive cover.
- Lack of dependence on your vehicle. If times are tight and you can get along without your car if it’s damaged, you might consider dropping the comprehensive cover. But before you do, ask yourself how upset you’d be if you totaled it.
- Financial flexibility. If you’re on the wealthy side, you may not be bothered to pay for repairs out of your own pocket.
At the end of the day, only you can make the call. Just make sure you’d be ok with paying for repairs out of your own pocket should you cause an accident or get stuck in a hailstorm.
* 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.
^See information about the Mozo Experts Choice Car Insurance Awards
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