


Mozo experts choice awards won:
- Exceptional Value Car Insurance - 2024
- Exceptional Value Young Driver Insurance - 2024
Comprehensive Car Insurance
ROLLiN’ offers affordable monthly comprehensive car insurance with its fave extras included. That means hire car (up to $80 per day for up to 21 days), no excess on your first covered windscreen, sunroof, and window glass damage once per insurance period and cover for one tow to their nearest authorised repairer, following a covered incident. Lodge a claim online 24/7, zero cancellation fees and no additional excess for young drivers.
-
Monthly premiums
-
Yes
-
Choice of repairer
-
No
-
Choice of excess
-
$800 flat excess fee
-
Agreed or market value
-
Agreed
Available discounts
- Get 10% off the base premium for the first 2 consecutive monthly policies and up to a 15% potential monthly discount from your 3rd month for being a safer driver. Minimum premiums may apply. T&Cs apply.
- Monthly premiums available
-
Yes
- Choice of repairer
-
No
- Choice of excess
-
$800 flat excess fee
- Agreed or market value
-
Agreed
- Discounts available
-
Get 10% off the base premium for the first 2 consecutive monthly policies and up to a 15% potential monthly discount from your 3rd month for being a safer driver. Minimum premiums may apply. T&Cs apply.
- States where offered
-
SA VIC NT TAS NSW ACT QLD WA
- Roadside assistance
-
No
- Genuine parts
-
Yes - If car is under 3 years old.
- New car if written off
-
Yes - within 15,000km of original registration
- Windscreen cover
-
Yes - one claim can be made per Insurance Period, with $0 windscreen excess
- Personal property cover
-
No
- Replacement key cover
-
Up to $1,000 if stolen
- Baby capsule or child seat cover
-
Up to $1,000
- Trailer or caravan cover
-
Up to $1,000 for trailer only.
- Modifications
-
Covered only if agreed in writing.
- Emergency repairs
-
Up to $500
- Emergency options
-
Reasonable costs. Up to $500 accommodation and travel cost if greater than 200km from home
- Rental car after theft
-
Yes - Up to 21 days, max $80 per day after a covered event
- Rental car after accident
-
Yes - Up to 21 days, max $80 per day after a covered event
- Rental car liability
-
No
- Legal liability cover
-
$20,000,000
- Accidental death of driver
-
No
- Young driver excess imposed
-
No additional excess for young drivers. $3,000 for unlisted drivers
- Rideshare cover
-
No
- Other restrictions
-
-
- Other benefits
-
Optional benefit to boost the Single Car Value by 15%, it will be shown on your Insurance Certificate
- Online discount
-
n/a
- Multi-policy discount
-
-
- No claim discount
-
No
- Low km discount
-
No
Terms, conditions, exclusions, limits and sub-limits may apply to any of the insurance products shown on the Mozo website. These terms, conditions, exclusions, limits and sub-limits could affect the level of benefits and cover available under any of the insurance products shown on the Mozo website. Please refer to the relevant Product Disclosure Statement and the Target Market Determination on the provider's website for further information before making any decisions about an insurance product.
Read reviews and learn more about ROLLiN' car insurance
Go to site-
Comprehensive Car Insurance
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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
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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 Plus Car Insurance
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Monthly premiums
-
Not disclosed
-
Choice of repairer
-
Optional Extra
-
Choice of excess
-
Not disclosed
-
Agreed or market value
-
Agreed or Market
Available discounts
- No claim discount
- Monthly premiums available
-
Not disclosed
- Choice of repairer
-
Optional Extra
- Choice of excess
-
Not disclosed
- Agreed or market value
-
Agreed or Market
- Discounts available
-
-
- States where offered
-
SA VIC NT TAS NSW ACT QLD WA
- Roadside assistance
-
No
- Genuine parts
-
Yes - If car is under 3 years old
- New car if written off
-
Yes - within 3 years of original registration
- Windscreen cover
-
Yes - $0 windscreen excess
- Personal property cover
-
Up to $1,000 if damaged or stolen.
- Replacement key cover
-
Up to $2,000 if stolen.
- Baby capsule or child seat cover
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Replacement cost
- Trailer or caravan cover
-
Up to $1,500 for trailer or caravan excluding contents.
- Modifications
-
Covered only if agreed in writing.
- Emergency repairs
-
Up to $1,000
- Emergency options
-
Reasonable towing costs. Up to $1,500 for travel and accommodation costs if greater than 100 km from home.
- Rental car after theft
-
Yes - Unlimited days, max $100 per day
- Rental car after accident
-
Not at fault - Unlimited days, max $100 per day. At fault - No.
- Rental car liability
-
Yes - legal liability cover when using a substitute vehicle. $3,000 contribution towards excess or security bond when using a hire car after an event.
- Legal liability cover
-
$20,000,000
- Accidental death of driver
-
No
- Young driver excess imposed
-
Not disclosed
- Rideshare cover
-
Optional Extra
- Other restrictions
-
-
- Other benefits
-
-
- Online discount
-
n/a
- Multi-policy discount
-
-
- No claim discount
-
Not disclosed
- Low km discount
-
No
Terms, conditions, exclusions, limits and sub-limits may apply to any of the insurance products shown on the Mozo website. These terms, conditions, exclusions, limits and sub-limits could affect the level of benefits and cover available under any of the insurance products shown on the Mozo website. Please refer to the relevant Product Disclosure Statement and the Target Market Determination on the provider's website for further information before making any decisions about an insurance product.
Read reviews and learn more about ANZ car insurance
Comprehensive Car Insurance
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Monthly premiums
-
Yes
-
Choice of repairer
-
No
-
Choice of excess
-
$650 - $1,645
-
Agreed or market value
-
Agreed or Market
Available discounts
- No claim discount
- Online discount 10% off first year's premium
- Multi policy discount of 10% off each new eligible policy with Apia.
- Customers who drive less than 20,000km per year can save up to 23%.
- Monthly premiums available
-
Yes
- Choice of repairer
-
No
- Choice of excess
-
$650 - $1,645
- Agreed or market value
-
Agreed or Market
- Discounts available
-
Customers who drive less than 20,000km per year can save up to 23%.
- States where offered
-
SA VIC NT TAS NSW ACT QLD WA
- Roadside assistance
-
Optional Extra
- Genuine parts
-
No
- New car if written off
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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
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Up to $1,500 combined with emergency accommodation and lose/damage to personal property cover
- Emergency options
-
Cost of one tow. Up to $1,500 accommodation costs if greater than 100km from home combined with emergency repairs. Up to $500 for travel costs.
- Rental car after theft
-
Yes - Up to 21 days.
- Rental car after accident
-
Not at fault - Yes. At fault - Optional Extra. Unlimited days, max $90 per day.
- Rental car liability
-
Yes - legal liability cover, accidental loss and damage when using a substitute vehicle.
- Legal liability cover
-
$20,000,000
- Accidental death of driver
-
$5,000 within 12 months of accident.
- Young driver excess imposed
-
$1,500 for drivers under 25
- Rideshare cover
-
No
- Other restrictions
-
-
- Other benefits
-
-
- Online discount
-
10% off first year's premium
- Multi-policy discount
-
Multi policy discount of 10% off each new eligible policy with Apia.
- No claim discount
-
Maximum no claim discount is protected for life against claims after 3 years.
- Low km discount
-
Yes
Terms, conditions, exclusions, limits and sub-limits may apply to any of the insurance products shown on the Mozo website. These terms, conditions, exclusions, limits and sub-limits could affect the level of benefits and cover available under any of the insurance products shown on the Mozo website. Please refer to the relevant Product Disclosure Statement and the Target Market Determination on the provider's website for further information before making any decisions about an insurance product.
Read reviews and learn more about Apia car insurance
Seniors Comprehensive Car Insurance
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Monthly premiums
-
Yes costs extra
-
Choice of repairer
-
No
-
Choice of excess
-
$500 - $5,000
-
Agreed or market value
-
Agreed
Available discounts
- 5% for seniors card holders
- Monthly premiums available
-
Yes costs extra
- Choice of repairer
-
No
- Choice of excess
-
$500 - $5,000
- Agreed or market value
-
Agreed
- Discounts available
-
5% for seniors card holders
- States where offered
-
SA VIC NT TAS NSW ACT QLD WA
- Roadside assistance
-
Optional Service
- Genuine parts
-
Yes - If car is under manufacturers standard new car warranty period.
- New car if written off
-
Yes - within 2 years of original registration
- Windscreen cover
-
Yes - standard excess. Option to reduce excess for first windscreen claim each year to $0 for an additional premium.
- Personal property cover
-
Up to $500 if damaged or stolen.
- Replacement key cover
-
Up to $1,000 if stolen.
- Baby capsule or child seat cover
-
Up to $500
- Trailer or caravan cover
-
Up to $1,000.
- Modifications
-
Covered only if agreed in writing.
- Emergency repairs
-
Up to $500
- Emergency options
-
Reasonable towing costs. Up to $500 travel and accommodation costs if greater than 200 km from home.
- Rental car after theft
-
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 aged 21 to 24, $2,000 for unlisted drivers under 21, $1,600 for unlisted drivers between 21 and 25, $800 for inexperienced drivers over 25, $800 for learner drivers.
- Rideshare cover
-
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.
Read reviews and learn more about Australian Seniors car insurance
Comprehensive Cover
-
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
- Online discount up to 10% off for the first 12 months comprehensive premium
- Safe Driver Discount up to 5%
- Named Driver discount option
- Monthly premiums available
-
Yes
- Choice of repairer
-
Yes
- Choice of excess
-
$600 - $2,100
- Agreed or market value
-
Agreed or Market
- Discounts available
-
Safe Driver Discount up to 5%|Named Driver discount option
- 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
- 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 $1,000 travel and accommodation costs if greater than 100 km from home.
- Rental car after theft
-
Yes - Up to 30 days, $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
-
Up to $25,000 within 12 months of the injury.
- Young driver excess imposed
-
$600 for drivers under 25, $1,800 for unlisted drivers.
- Rideshare cover
-
Optional Extra
- Other restrictions
-
-
- Other benefits
-
-
- Online discount
-
up to 10% off for the first 12 months comprehensive premium
- Multi-policy discount
-
-
- No claim discount
-
Maximum no claim discount is protected for life against no-fault claims in past 2 years and having held the maximum no claims discount level in past 2 years. Others can purchase protection for 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 Australian Unity car insurance
Comprehensive Car Insurance
-
Monthly premiums
-
Yes costs extra
-
Choice of repairer
-
No
-
Choice of excess
-
$500 - $2,000
-
Agreed or market value
-
Agreed
Available discounts
- Monthly premiums available
-
Yes costs extra
- Choice of repairer
-
No
- Choice of excess
-
$500 - $2,000
- Agreed or market value
-
Agreed
- 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 claim each year to $0 for an additional premium.
- Personal property cover
-
Up to $1,500
- Replacement key cover
-
Up to $1,500 if stolen.
- Baby capsule or child seat cover
-
Up to $1,500
- Trailer or caravan cover
-
Up to $1,500
- Modifications
-
No
- Emergency repairs
-
Up to $1,500
- Emergency options
-
Reasonable towing costs. Up to $1,500 in travel or accommodation costs with a limit of $100 per day, if greater than 100 km from home.
- Rental car after theft
-
Yes - Up to 21 days, max $150 per day.
- Rental car after accident
-
Not at fault - Yes, up to $150 per day. At fault - Optional Extra up to 21 days, max $150 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
-
$750 for listed drivers under 25, $1,500 for unlisted drivers under 25
- Rideshare cover
-
No
- Other restrictions
-
-
- Other benefits
-
-
- Online discount
-
n/a
- 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 Bank of Queensland car insurance
Comprehensive Car Insurance
-
Monthly premiums
-
Yes
-
Choice of repairer
-
Yes
-
Choice of excess
-
$600 - $2,050
-
Agreed or market value
-
Agreed or Market
Available discounts
- No claim discount
- Discount if you drive less than 10,000kms per year
- Nominated driver discount option
- Monthly premiums available
-
Yes
- Choice of repairer
-
Yes
- Choice of excess
-
$600 - $2,050
- Agreed or market value
-
Agreed or Market
- Discounts available
-
Discount if you drive less than 10,000kms per year|Nominated driver discount option
- States where offered
-
SA VIC NT TAS NSW ACT QLD WA
- Roadside assistance
-
No
- Genuine parts
-
No
- New car if written off
-
Yes - within 3 years and 50,000 km 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 $1,000 if damaged or stolen.
- Replacement key cover
-
Up to $1,000 if stolen.
- Baby capsule or child seat cover
-
Replacement cost
- Trailer or caravan cover
-
Up to $1,000 for trailer only.
- Modifications
-
Covered only if agreed in writing.
- Emergency repairs
-
Up to $800
- Emergency options
-
Cost of one tow. Up to $500 travel and accommodation costs if greater than 100 km from home.
- Rental car after theft
-
Yes - Up to 21 days, max $100 per day.
- Rental car after accident
-
Not at fault - Optional Extra. At fault - Optional Extra. Up to 21 days, max $100 per day.
- 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
-
$30,000,000
- Accidental death of driver
-
Up to $5,000 funeral expenses within 12 months of accident.
- Young driver excess imposed
-
$1,000 for drivers under 20, $750 for drivers under 22, $500 for drivers under 25, $750 for inexperienced drivers over 25.
- Rideshare cover
-
No
- Other restrictions
-
-
- Other benefits
-
-
- Online discount
-
n/a
- Multi-policy discount
-
-
- No claim discount
-
Maximum no claim discount protected for unlimited no fault claims and 1 at fault claim, after 2 years at maximum no claim discount level and if youve had your licence for 8 or more years.
- Low km discount
-
Yes
Terms, conditions, exclusions, limits and sub-limits may apply to any of the insurance products shown on the Mozo website. These terms, conditions, exclusions, limits and sub-limits could affect the level of benefits and cover available under any of the insurance products shown on the Mozo website. Please refer to the relevant Product Disclosure Statement and the Target Market Determination on the provider's website for further information before making any decisions about an insurance product.
Read reviews and learn more about Bendigo Bank 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
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$25,000 within 12 months of injury.
- Young driver excess imposed
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$600 for listed drivers under 25, $1,800 for unlisted drivers under 25.
- Rideshare cover
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Optional Extra
- Other restrictions
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-
- Other benefits
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-
- Online discount
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n/a
- Multi-policy discount
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-
- 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.
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Comparing NT comprehensive car insurance policies with Mozo
The needs of Territorian drivers are as varied and unique as the land they reside on. From the beautifully biodiverse Top End to the Red Centre and Alice Springs in the south. Roads can vary depending on whether you live in Darwin, one of the major towns or off the beaten track. So it’s important to make sure you have the right level of insurance for your vehicle.
The comparison tables above show a snapshot of comprehensive car insurance policies on offer right now. Here you can see what discounts are available, whether paying monthly is an option and what the range of excess is for each insurance plan. Plus, if you want to read more about an individual policy you can click through to a longer review with more information. Or, if you’re keen to get a quote, press on the ‘go to site’ button to go directly to an insurance provider’s website.
For more information on car insurance in the Northern Territory in general, have a read of the frequently asked questions below.
What are the car insurance options in the Northern Territory?
No matter where you live, you must have compulsory third party car insurance to legally drive in Australia. In the NT this is known as the Motor Accidents Compensation (MAC) scheme. It is described on the MAC Commission website as ‘personal injury cover for you and your family’ and is included in your NT motor vehicle registration*.
It is also a ‘no-fault’ scheme, meaning that drivers are covered, regardless of who caused an accident. The MAC scheme provides cover for drivers, passengers, cyclists and pedestrians in the Northern Territory. This type of insurance does not provide cover for your vehicle.
If you want to make sure your wheels are covered, you will have to take out either third party fire and theft or comprehensive car insurance. Both of these as well as third party property car insurance are available in the NT. Let’s break this down in more detail.
What cover is provided with third party property insurance?
Generally speaking there are two types of third party property insurance. These are simply third party property and third party property fire and theft. Third party property car insurance provides liability for accidental damage that you may cause to someone else’s property. It does not usually provide cover for your own car.
You can add some level of protection for your wheels, however, with third party property fire and theft. This is basically third party property insurance: legal liability for you, plus cover for if your car is damaged as the result of a fire, attempted theft or theft.
How does comprehensive car insurance work in the NT?
If you’re keen to avoid a big bill at the mechanic’s, then you may want to look into comprehensive car insurance. This type of car insurance will cost you more in premiums, but will also provide more cover for your car. This includes cover if your car is damaged, as well as liability for damage you may cause to someone else’s car.
Comprehensive car insurance can also provide cover for stuff like personal items, hire car costs following a not-at-fault accident, emergency transport and accommodation, replacement keys if you lose yours and towing costs. There is also often the option to pad out your cover with optional extras. These can include choice of repairer, cover for a hire car following an at-fault accident and reduced window glass replacement excess cover.
What will affect my car insurance premium in the Northern Territory?
How much you pay for your car insurance premium will depend on how likely the insurance company thinks you are to make a claim. To work out this likelihood, the insurance provider will look at a number of factors, including:
- Your age. As drivers under 25 tend to have less experience on the roads, they are often charged a higher premium. That said, your premium could also be priced higher if you are over 25 and have less than two years of driving experience under your belt.
- Your gender. Statistically speaking, women have less car accidents than men and as such are often charged lower car insurance premiums. Read more about why women pay less for car insurance here.
- Where you park your car at night. Whether you park your car in a garage or on the street at night will have an affect on your car insurance premiums.
- Where you live. What the crime rate is like and whether your local area is prone to extreme weather events like flooding will have some effect on what you pay for insurance.
- Your wheels. How old your vehicle is, what safety measures it has, the model and size are all factors that will be used to calculate your car insurance premium costs.
- Driving history. Your driving history including past insurance claims, scrapes and accidents will all be taken into account when calculating your premium. You will also be asked how many kilometres you drive on average each year.
- What policy you choose. The type of policy you choose will also determine how much you pay. That also takes into account whether or not you add optional extras such as choice of repairer or roadside assistance onto your policy.
How might car theft in the NT affect my insurance?
As mentioned above, one of the factors that is taken into account when calculating premiums is the rate of car theft in a particular area. So, the rate of car theft in the Northern Territory may have some effect on how high or low your premiums are.
The good news is that according to the National Motor Vehicle Theft Reduction Council, car theft in the NT actually decreased by around 23% between September 2019 and September 2020^. This might mean that if you live in an area where car theft has reduced, your premium may go down. In that time period light commercial utility vehicles and small passenger cars were the most targeted by thieves.
Darwin had the highest rate of car theft, closely followed by Alice Springs. Some of the most targeted vehicles were the Toyota Hilux MY05_11, the Toyota Hilux MY15+ and the Holden Commodore VE MY06_13. If you own a vehicle that is more likely to be targeted by thieves, or you live in an area with a higher car theft rate, this could affect your insurance premiums.
What car insurance discounts are available in the NT?
If you’re looking to reduce your car insurance premiums, there are a few commonly available discounts to look out for. These are:
- Online discounts. Most car insurance policies have a presence online these days and will even give you a discount for signing up virtually.
- Multi-policy discount. If you’re also after insurance for your home or contents, you might consider bundling your policies and taking advantage of a multi-policy discount.
- Restricted driver discount. If you are the sole driver of your car, or you know that other drivers will be over 25 or 30, you might be able to bag a restricted driver discount.
- No claim bonus. A bit more of a long game reward, the no claim bonus is a discount offered by a lot of insurance companies. This discount depends on you not making any claims, or at least not making any at-fault claims and is accumulated over time.
- Family discount. This one usually applies to under 25s who opt for the same insurance provider as their parent or guardian.
- Loyalty discount. One of the perks of sticking with the same insurance provider for a number of years is a loyalty discount. If that describes you and your provider hasn’t yet offered you money off, by all means get on the phone and ask for one!
- Pay-as-you-drive plans. A number of insurance companies these days offer pay-as-you-drive or pay-per-kilometre plans. So if you only drive your car on weekends or you’ve been driving less lately, this could be another way to save money.
What's the best car insurance in the Northern Territory?
When looking for a new policy, most people want to find the best car insurance in Australia to cover their rides. So, a great place to start is by checking out the winners in the Exceptional Value and Exceptional Quality categories in the latest Mozo Experts Choice Car Insurance Awards for 2023.
The Mozo experts analysed over 10,000 car insurance quotes to find the best value policies for the widest range of customers. Check out the methodology report for more information.
However, not all policies are one-size-fits-all, so it’s important to bear this in mind when comparing car insurance policies in the NT.
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FAQs about Northern Territory car insurance
How does the MAC scheme work in the Northern Territory?
The Motor Accidents Compensation (MAC) scheme is the type of compulsory third party car insurance that you must have to legally drive a vehicle in the Northern Territory. It is included in your NT vehicle registration and is designed to provide cover for personal injury sustained from motor vehicle accidents.
Unlike some other versions of compulsory third party car insurance, MAC is a no-fault scheme, meaning you are covered no matter who causes an accident. The scheme covers drivers, passengers, cyclists and pedestrians.
Benefits included in MAC are medical, rehabilitation and financial support for people recovering from serious and in some cases, permanent injuries resulting from a motor accident.
It should be noted that this type of insurance does not provide cover for your car or liability for any damage you may cause to someone else’s car.
How does excess work?
In short, an excess is the amount you choose to contribute towards a bill, before your insurance kicks in. So if you have an excess of $500 and a bill for $1,000, you would pay the first $500 and your insurance company would pay the other $500.
In general, the higher the excess you choose, the lower your insurance premiums will be. This is because if you do have to claim, your insurance provider will pay less of your bill if you have a higher excess. So having a higher excess may cost you less in insurance premiums, but more come claim time. On the flip side, if you have a lower excess your premiums will be higher, but you will probably pay less if you do have to make a claim.
Insurance providers often offer a range of excess options to choose from. This range is included in the snapshot of insurance plans listed above.
How do I find the best car insurance?
If you’re looking to find Australia’s best car insurance, a great place to begin is by checking out the winners in the Exceptional Value and Exceptional Quality categories in the Mozo Experts Choice Awards for Car Insurance. Our experts analysed the pricing and product data and determined these as the insurance policies offering the best range of features for competitive premiums.
Not all customers are looking for the same thing when it comes to car insurance, so it’s important to bear this in mind when comparing policies.
What is the difference between market value and agreed value?
There are two different ways insurance companies can value your vehicle: these are by market value or agreed value. A simple definition of the two is:
- Market value. Quite simply this is how much your car would fetch on the open market. If you opt for market value, your insurance provider will take into account depreciation, what kind of shape your car is in, the model, age and so forth. The market value will most likely go down as your car ages.
- Agreed value. This is a value that you and your insurance company agree on, when you sign up to your policy. Your insurance provider will review the value each time you renew your policy and will probably decrease it, as your car gets older.
What happens if my car is written off in the Northern Territory?
In the event that your car is written off and so long as you have comprehensive car insurance, your provider will usually pay the sum your vehicle is insured for. How much you receive will depend on whether your car is valued at the current market value or a previously agreed upon value.
Alternatively, if you have new-for-old replacement cover, your insurance provider may pay for the purchase of a new, similar car. Generally this applies if your car is less than two years old when it is written off.
Do car accidents in the NT affect my car insurance?
A number of factors are used to calculate how much you pay in insurance premiums. As mentioned above these can include things like car theft and they can also include car accidents. To expand on this, if there are a lot of accidents in your area, your car insurance provider may take this into account when working out your premium.
According to Road Safety NT there were 23 lives lost as a result of motor vehicle accidents in 2020 (up to 10 December 2020)**. In 2019 that number was 35 and in 2018, 50. While you can’t easily change where you live, you can of course take precautions by being a safe driver yourself. Between 2009 and 2019, a key contributing factor to fatal accidents was the consumption of alcohol. So, by following road rules and being a careful driver you can not only protect yourself and everyone else around you, but you could also lower your car insurance premiums.
What are the most common types of car insurance claims in the Northern Territory?
According to a report from Suncorp, windscreen claims were the most common type of claim in the NT, in 2019. These types of claims made up 36.24% of claims in the territory that year. This was followed by single car collision claims and claims for damage while parked.
What do I need for a car insurance quote in the Northern Territory?
When picking an insurance policy for your wheels, you may want to gather a number of quotes from different providers to weigh up your options. For this you’ll need to have a few details handy including:
- Your personal information. This can include your full name, DOB, contact details and possibly gender.
- Information about your vehicle. This is usually your registration number, the make and model of your car and how old it is.
- Your driver’s license. You may have to provide your driver’s license number and how long you have had it.
- Where you park at night. The insurance provider may ask you where you usually park your car at night - that is the address and whether you park on the street or in a garage.
- Your driving history. You will probably be asked to declare any incidents or accidents that you have had in the past few years.
- The distance you drive. To work out your premium your insurance provider will want to know how many kilometres you usually drive per year.
Does Mozo compare car insurance for other states and territories?
Yes, Mozo compares comprehensive car insurance policies for all states and territories in Australia. You can find the links here:
Is there special car insurance for some car makes and models?
While you don't need a particular kind of insurance for any type of car, there could be policies which suit your circumstances better.
The Mozo team has investigated annual premium quotes and insurance trends for a few different car brands so you can better understand the costs associated with some popular cars:
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