We take the guesswork out of car insurance by helping you compare car insurance policies all in one place, while providing heaps of additional resources - so read on!
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Important information on terms, conditions and sub-limits.
Last updated 15 February 2025
Important disclosures
Important disclosures
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This table shows a range of products, and we may receive payment if you use the links provided. It does not show all providers or all products from the providers. Mozo is paid a fee by the product issuer if you use a link on our site to go to their site from ours, make an inquiry, or you take out a product with them. 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. You do not pay any extra for using our service.
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We provide only general advice
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 Product Disclosure Statement (PDS) or offer documentation, or seeking independent advice. It is also advised to review Target Market Determination(TMD) of products that you are considering. The TMD can be found on the provider's website.
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.
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 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
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.
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.
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.
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.
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
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% on first year's premium
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.
ROLLiN’ offers affordable monthly comprehensive car insurance with its favourite extras included. No additional excess for young drivers, lodge a claim 24/7 and zero cancellation fees. Hire car is included up to $80 per day for up to 21 days; cover for one tow to our nearest authorised repairer, following a covered incident. No excess on your first covered windscreen, sunroof, and window glass damage once per insurance period. List multiple cars and drivers under the one policy as long as they fit the underwriting criteria (excludes Safe ’n Save policies).
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.
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.
Under 25s can get 10% discount by completing AAMI Skilled Driver Course.
No Partner link
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.
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.
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.
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%.
No Partner link
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.
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.
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
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
-
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.
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The Mozo database tracks 58 car insurance policies from 53 insurers, so you can compare coverage options, features, and benefits side-by-side.
2. Our expertise
We live and breathe car insurance, pouring through product disclosure statements, and staying on top of industry trends - to bring you clear insights and practical tips.
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Updated by:
Brad Buzzard, Senior Car Insurance Writer, 04 February 2025
Summer's still going strong but holidays are drawing to a close and roads are packed again - school runs, weekend trips - you name it. The time has come to get your car insurance in shape for the new year.
Any road trips planned to soak up the last of the warm weather? Verify that your policy covers you when driving interstate or on less-than-perfect roads. Most policies offer roadside assistance as an optional extra assistance if your car decides to quit midway through the drive - and at least one policy includes it automatically.
Thinking about switching? If it’s been a while since you compared policies, now’s as good a time as any to shop around. You might find a better price or extra benefits that make switching worth it.
Who wouldn’t want to pay less for their premiums?
Valuable discounts running in February 2025 (T&Cs apply)
Virgin Money Car Insurance | Save up to 15% on your first year's premium when you buy online, plus earn 10k Velocity points if you buy before 31 January 2025 and hold your policy for at least 65 days.
Rollin’ Comprehensive Car Insurance | The Safe ‘n Save app rewards safer driving using telematics. Recently rolled out for private car use, it is a completely optional - and potentially lucrative - feature.
Qantas Comprehensive Car Insurance | Open a new policy online before 29 Jan, keep it active for 60 days, and earn up to 40,000 Qantas Points based on your premium. Opening online also gives you a 15% discount. Plus, you’ll earn 1 Qantas Point per $1 spent on premiums and up to 2,600 extra points each year by completing car safety checks in the Qantas Wellbeing App.
A car insurance policy is a contract between you and your insurance provider. You pay the premium, the provider covers you for damages covered under your policy.
In Australia, you'll generally come across four types of car insurance, and each covers you for different vehicle-related incidents. The level of cover you choose determines what combination of damages you’re covered for: your car, their car, other types of property, injuries or some combination of these.
Here's a brief rundown—click on any box below to explore complete guides for each type of cover:
When your insurance company pays a claim according to your policy, you usually share a small portion of the costs. Your portion is called the excess. Here are some key points to remember about excesses.
The excess amount. Most policies offer a range of excess amounts you can choose from. A higher excess means lower premiums since you’ll be paying more toward any claim…and vice versa. Most policies offer a range of about $500-$2000 for your standard excess, although you will find some that offer as low as $0 or as high as $5000.
Additional excesses. The standard excess applies whenever you need to claim, regardless who is driving the car. But additional excesses can be stacked on top of this for things like unlisted drivers and young and/or inexperienced drivers.
The premium is how much your policy costs, paid either monthly or yearly - sometimes with a discount if you pay yearly. It’s calculated based on your level of cover, the excess and a whole host of behavioural like your age, gender, and postal code; situational factors like your driving and claims histories; and policy choices like your level of cover and choice of excess.
How much does car insurance cost?
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, so lower levels of cover will generally be cheaper.
But the fact is, the cost of a car insurance policy can change significantly depending on your unique behavioural, situational and policy factors as described above.
For a clearer picture, we invite you to get some free quotes for yourself. Start by comparing options in our table at the top of this page.
How to compare car insurance quotes
These days, the process of getting quotes and choosing a car insurance policy is easier than it’s ever been. Within the time it takes you to finish your coffee, you can narrow down your options, compare a few quotes and dig into the finer details of your soon-to-be policy.
The streamlined approach goes like this:
Create your shortlist. Scroll to the table at the top of the page where we list out more than 50 policies and highlight the major features of each. Create a shortlist of the car insurance policies you like the best.
Get quotes. Fill out the insurance company’s online quote form with all relevant details about you and your car.
Read the PDS. If you like the price and features from 1 or 2 of your quotes, skim through the product disclosure statements (PDS) of the ones you like to get a little better feel for these policies. The next section explains more about how to read a PDS.
If you’ve entered in all of the correct details, including your rego, driver’s licence number and you don’t have any major driving infractions that might be especially concerning, you can often buy your policy immediately after getting your online quote
You can even use quotes for research. It’s obligation-free, quick and straightforward. You just fill in the details, click ‘get quote’ and within seconds you’ll get an estimate of your premium.
But don’t be alarmed if you’re prompted to contact the insurance company if they need more information to complete your purchase.
PDS stands for Product Disclosure Statement, and it basically outlines in detail the contractual obligations and responsibilities of both you and the insurer.
There you’ll find what you’re covered for (and not covered for), how much cover it gives you, and under what circumstances you’re entitled to a claim - as well as what could void your cover.
Think of it as your policy’s single source of truth.
Using the PDS for research
Downloading and leafing through the PDSs of any policy you’re considering is a great way to understand these policies in a more organised and comprehensive manner, versus browsing car insurance websites.
Thanks to financial regulations, you can download the PDS of any car insurance policy from their website, whether you’re a member or not.
Use our table above to compare major high-level features, and then consult the PDS of those you are interested in.
Getting into an accident or suffering other damage
Let’s call this the incident phase, since car accidents aren’t the only type of incident you might need to claim for - weather-related damage and theft are other examples of car-related incidents that can cause damage. The way you respond after an accident plays a key role in all the investigations, reports, negotiations and settlements that follow.
That’s where documentation is of utmost importance. It helps you back-up your claims and it helps your insurance company advocate on your behalf in potential disputes over who’s at fault.
Documenting a car accident. In any accident, your fault or not, you need to take proper precautions to avoid further damage and to document everything. Our handy guide on what to do after a car accident explains how to go about documenting the evidence you need following an accident.
Documenting weather-related damage. If you’re covered for weather-related damage, take pictures of the damage and jot down any weather events for that location and time.
Documenting theft. If someone steals your car, go straight to the police and file a report. Then contact your insurance and await further instructions from both.
Your policy may have separate conditions for minor mishaps (eg, a pebble cracks your windshield). Your PDS should explain what to do in these situations. Or call your insurance company directly.
Making a claim is how you ask your insurance company to keep their promise and cover the costs of an incident that’s covered by your policy. Submitting one involves notifying your insurer of the accident, filling out your insurer’s claim form, including all required documentation and submitting a claim.
There are multiple ways to submit including online and via email, but we recommend calling your insurer first, especially if it’s a major accident where you’ll need guidance on what to do and not do in those immediate circumstances.
Just ring them up using the contact information listed in the PDS and certificate of insurance. They can open your claim right away, provide you with a case number and help advise you on the best way to submit your documentation based on your circumstances.
This is when your policy approves or denies your claim, and pays out the damages that satisfy the conditions of your policy. This takes place after they’ve investigated the circumstances of the incident, reviewed all the evidence, consulted with third parties like the police or other guy’s insurance company, assessed damages and arrived at a decision.
If they deny your claim or you disagree with certain other decisions, you have two opportunities to appeal, in this order:
Internal appeals process. The insurance company will have an internal disputes resolution department, entirely separate from the department that originally denied your claim. The first step is to appeal to them. The process will be outlined in your PDS.
Australian Financial Complaints Authority. If that doesn’t work, the AFCA provides free and independent complaints service . Just come prepared with all your evidence and make sure you have your facts straight.
What’s the best car insurance?
When our expert insurance experts and analysts evaluate policies to determine the best car insurance policies in Australia, we place them into two categories:
Exceptional value. Policies that hit that sweet spot between price and the must-have features.
Exceptional quality. Policies that stand out for their generous perks and flexible options, price aside.
Your idea of best may differ from someone else’s, so decide which category describes you best. Then check out our top picks in those categories featured on our 2024 Mozo Experts Choice Awards page at the link below.
You can’t go wrong checking out our Exceptional Value picks mentioned above. They’re the cheapest we’ve found based on our requirement that they contain all the essential features most drivers need. But if you want more help, our guide to cheap car insurance can help you bring your premiums even lower.
Our expert guides will help you understand what you need to know about car insurance, from choosing the right level of cover to saving on premiums.
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Yes, if you drive interstate for a holiday or short-term period, your car insurance will be valid if you suffer a covered incident.
If you're planning on spending a lot of time away from your registered address it's a good idea to check with your insurance company to see if they have any limits on the number of days you can be out of the state and still be covered.
Most car insurance companies operate Australia-wide, but if you are looking to compare car insurance policies specifically in your state, Mozo has the details on localised providers, including those in:
Depending on which company you go with, your child may or may not already be automatically covered. If they’re not, you will have to update your policy either online or over the phone to include them. I should all be outlined in the PDS.
Do I need my own car insurance policy when I get my P-plates?
Only if you purchase your own car that's registered in your name. If you’re under 25 you can usually stay on your parents' insurance policy if you are driving a family car. Buying your own young drivers car insurance policy will probably be more expensive since insurance companies factor how much driving experience you have into your premium.
Are car insurance premiums tax-deductible?
If you're using your car for work, you might be able to claim some of your car insurance on your taxes. To do that, you'll need to figure out what percentage of your driving is for work and what's just for fun.
You can either keep a logbook of your work trips and mileage or use the cents-per-kilometre method that the ATO outlines. When in doubt, check the ATO website for the specifics on how to make it all legit.
Will car insurance cover engine failure and mechanical faults?
Engine failure and other mechanical issues generally aren't covered by your typical car insurance policy unless it‘s the result of damage covered under your claim (like an accident)
That's because it’s often chalked up to normal wear and tear, which insurance doesn't touch.
However, if you have a car under warranty, you might be able to get the engine failure sorted through that avenue. Always read the terms of your warranty and car insurance PDS to know exactly what's covered and what's not.
Will my insurance cover me to drive other cars?
The quick answer is no, your own car insurance typically doesn't cover you to drive someone else's car. However, you're most likely covered under that car owner's insurance policy if you have permission to drive it.
Keep in mind that the car owner might be responsible for any 'unlisted driver' excess fees if you're not listed on their policy and something happens. If you find yourself driving someone else's car regularly, it could be a good idea for them to list you on their policy to avoid those extra fees.
What does 'damages' mean?
When your policy covers you for damages it can refer to:
Damages to your car (caused by you or by nature)
Financial damages you incur by damaging someone’s car or property with your car
Financial damages you incur by injuring yourself, another person or animal with your car
Damage uninsured drivers cause to your car
Exactly which of these you're covered for depends on your level of cover.
If an insured driver causes damage to you, that’s when their insurance kicks in. But it’s still important to keep your insurance company in the loop so they can help work on your behalf.
Brad is a senior writer at Mozo, leading insurance and superannuation coverage. With a background in marketing analytics, he brings a research-driven approach to his work, ensuring content is clear, accurate and genuinely useful. Brad dives deep into topics, using the writing process to refine his understanding and deliver well-researched, polished content.
Brands we compare
We compare car insurance policies from the following well-known insurers and many more...
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Car insurance customer reviews
Shannons Comprehensive Motor Vehicle Insurance
Overall 7/10
Great customer service, havent had done a claim so
Great customer service, havent had done a claim so cant comment on that
Disappointed and disgusting service lack of suppor
On Christmas Day a elderly woman reversed into my brand new Ducati pangale it was parked in clear site of her car upond discussing exchange her identification and she admitted liability contacted budget direct explanation given it was a train wreck as far as communication saying have to quote the damage did not comprehend they had to see fast forward today upon contacting them with no reply I went out of no confidence from my insurance company and collected my damaged bike they inform me it is under review admitting the third party accepted liability they gave me no confidence or reassurance they would repair my brand new Ducati having multiple policy’s with them I told them I had no confidence and considering cancelling my policies to which they responded I will transfer the call easy way out for I am full comprehensive insured having discuss with my wife she also had no confidence in them concerning our other cars the attitude the lack of customer service the non communication telling me it’s under review I suppose until we need insurance they show there real concern lack of and only hope you never make a claim worst experience of my life I thought it was straight forward and should of been my brand new 2024 Ducati panagale now sits damaged in my garage awaiting for them to shirk there responsibilitys I will be changing my other policy’s because I I have no confidence or trust in this insurance company I had pictures and information regarding this accident and they are playing games asking me do I want to cancel the claim disgusting customer lack of service and zero confidence and trust buyer beware I should of read the reviews they were happy to take my multiple policy’s now iam a cost and repair that they are stringing out Never ever again will I buy a policy from this company no trust confidence customer service and no empathy for the customer
On Christmas Day a elderly woman reversed into my brand new Ducati pangale it was parked in clear site of her car upond discussing exchange her identification and she admitted liability contacted budget direct explanation given it was a train wreck as far as communication saying have to quote the damage did not comprehend they had to see fast forward today upon contacting them with no reply I went out of no confidence from my insurance company and collected my damaged bike they inform me it is under review admitting the third party accepted liability they gave me no confidence or reassurance they would repair my brand new Ducati having multiple policy’s with them I told them I had no confidence and considering cancelling my policies to which they responded I will transfer the call easy way out for I am full comprehensive insured having discuss with my wife she also had no confidence in them concerning our other cars the attitude the lack of customer service the non communication telling me it’s under review I suppose until we need insurance they show there real concern lack of and only hope you never make a claim worst experience of my life I thought it was straight forward and should of been my brand new 2024 Ducati panagale now sits damaged in my garage awaiting for them to shirk there responsibilitys I will be changing my other policy’s because I I have no confidence or trust in this insurance company I had pictures and information regarding this accident and they are playing games asking me do I want to cancel the claim disgusting customer lack of service and zero confidence and trust buyer beware I should of read the reviews they were happy to take my multiple policy’s now iam a cost and repair that they are stringing out Never ever again will I buy a policy from this company no trust confidence customer service and no empathy for the customer
Terry,
New South Wales,
reviewed about 1 month ago
RACV Car Insurance
Overall 8/10
Good price, no issues yet
We switched to RACV because it was cheaper than the insurer we were with, despite a lot of negative reviews surrounding the time it takes to get a claim paid out. Haven't yet had to make a claim and hopefully won't have to find out if that reputation is true.
We switched to RACV because it was cheaper than the insurer we were with, despite a lot of negative reviews surrounding the time it takes to get a claim paid out. Haven't yet had to make a claim and hopefully won't have to find out if that reputation is true.
I have made a few claims with Youi and have been more than satisfied with their customer service and the claims process. They have been so helpful, prompt in sorting out issues and flexible with who I use for repairs as I am in a rural location. Youi is a little more expensive for my vehicle but I think it is worth the money. I highly recommend them to all my friends.
I have made a few claims with Youi and have been more than satisfied with their customer service and the claims process. They have been so helpful, prompt in sorting out issues and flexible with who I use for repairs as I am in a rural location. Youi is a little more expensive for my vehicle but I think it is worth the money. I highly recommend them to all my friends.
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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.