Car insurance - the makes and models
Designers of car insurance are every bit as busy as vehicle engineers. When you take out a comprehensive car insurance policy, there are a heap of features and optional extras to consider.
Then, there are those more specialised cars and drivers looking for a unique type of coverage. Below are some of the options where you and your car might fit.
Car insurance comparison - last updated January 24, 2021
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
- Yes Costs Extra
- Choice of repairer
- Optional Extra
- Choice of excess
- $500 - $1,850
- Agreed or market value
- Agreed Or Market
Available discounts
- Online Discount Up To 15%
CompareCompareComprehensive 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.
- New car if written off
- Yes - within 1 years and 20,000 km of original registration
- Rental car after theft
- Yes - Up to $1,000 total.
- Rental car after accident
- Not at fault - Yes. At fault - Optional Extra. Up to 14 days for at fault accidents.
- Windscreen cover
- Yes - standard excess. Option to reduce windscreen excess to $40 on every windscreen claim for an additional premium.
- Modifications
- Covered only if agreed in writing.
- Young driver excess imposed
- $600 for drivers under 21, $500 for drivers under 24, $600 for unlisted drivers, $500 for inexperienced drivers over 24.
- Roadside assistance
- Optional Extra
- Other benefits
- -
- Other restrictions
- -
Read our Mozo Review to learn more about Budget Direct Comprehensive Car Insurance
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
- Yes
- Choice of repairer
- Yes
- Choice of excess
- $100 - $2,000
- Agreed or market value
- Agreed Or Market
Available discounts
- No Claim Discount
- Loyalty Bonus 5% With Various Conditions
CompareCompareComprehensive 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.
- New car if written off
- Yes - within 2 years of original registration
- Rental car after theft
- Yes - Up to 14 days, max $100 per day.
- Rental car after accident
- Not at fault - Yes. At fault - Optional Extra. Not at fault - Up to 14 days, max $100 per day. At fault - Up to 14 days, max $80 per day.
- Windscreen cover
- Yes - standard excess. Option to reduce excess for first windscreen claim each year to $0 for an additional premium.
- Modifications
- Covered only if agreed in writing.
- Young driver excess imposed
- Depending on state between $300 and $700 for listed drivers under 25, $1,500 for unlisted drivers under 25, $400 for inexperienced drivers over 25.
- Roadside assistance
- No
- Other benefits
- Lifetime No Claim Bonus available to customers who are over 25 years of age, have been insured with Bank of Queensland for 3 consecutive years on the maximum No Claim Bonus and have not had any penalty claims in those 3 years.
- Other restrictions
- -
Read our Mozo Review to learn more about Bank of Queensland Comprehensive Car Insurance
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
- Yes Costs Extra
- Choice of repairer
- Optional Extra
- Choice of excess
- $400 - $1,850 (varies By State)
- Agreed or market value
- Agreed Or Market
Available discounts
- No Claim Discount
CompareCompareComprehensive 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.
- New car if written off
- Yes - within 2 years and 40,000 km of original registration
- Rental car after theft
- Yes - Up to 14 days, max $1,000
- Rental car after accident
- Not at fault - Yes. At fault - Optional Extra. Up to 14 days.
- Windscreen cover
- Yes - standard excess. Option to reduce windscreen excess to $40 for an additional premium.
- Modifications
- Covered only if agreed in writing.
- Young driver excess imposed
- $600 for drivers under 21, $500 for drivers aged 21 to 24 inclusive, $600 for unlisted drivers, $500 for inexperienced drivers.
- Roadside assistance
- Optional Extra
- Other benefits
- Earn up to 40,000 Qantas Points when you sign up by 28 February 2021. Points earned depend on the amount spent on your premium. Points earn thresholds and T&Cs apply.
- Other restrictions
- -
Read our Mozo Review to learn more about Qantas Comprehensive Car Insurance
Gap auto insurance
If you bought your car with financing, your lender will likely require you to take out either comprehensive car insurance or gap (shortfall) insurance. Gap insurance is typically cheaper than comprehensive, and simply insures the lender for the outstanding payments owed on the car if you seriously damage or write it off.
Mozo's top car insurance tip #1: While your dealer or lender can oblige you to take out gap insurance, you don't have to take up their particular offer. Dealers are usually paid commissions by car insurers, and the winner of that arrangement isn't always you.
Mechanical failure insurance
Extended warranties are another optional extra, insuring you against mechanical failures. Typically, your new car will come with a one, two or three year warranty, and mechanical failure insurance allows you to extend the cover for super costly mechanical failure.
Mozo's top car insurance tip #2: What's the chance of your new or pre-loved car needing seriously expensive mechanical repairs? Unless your car's kilometres are heading skyward, you may be better off paying for minor mechanical repairs yourself.
Classic auto insurance
Alongside your major insurance firms, there are various specialist insurance companies with packages tailored to niche needs. The proud owner of a uniquely vintage automobile should equally be the proud owner of a unique vintage car insurance deal. Specialist car insurers may fit the bill for your pre-1970 classic, veteran car, or high-performance vehicle.
Car insurance: young drivers
Irrespective of their driving record, car owners under 25 may find it difficult to obtain comprehensive insurance as premiums are set higher based on their risker age demographic. Once again, there are specialist auto insurers which cater to student or young drivers' insurance needs, so it's worth a wider search. You might also consider staying on the family policy to access loyalty or multi-policy discounts.
Pensioner and seniors car insurance
Seniors car insurance is a cheaper way to cover your vehicle if you and your partner are over 50 and not working full time. If you're planning to retire, it's worth comparing older driver car insurance for a cheaper quote.
If you want to investigate all your options, head to Mozo's car insurance comparison page to begin your research.
^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.
