
Mozo people's choice awards won:
Find out more about Mozo’s Car Insurance Awards.Comprehensive Car Insurance
Youi like to get to know you from the very first conversation, which provides you with the opportunity to find comprehensive car insurance cover that could better suit your lifestyle and your needs. Because we’re all individuals, so we all use our cars differently from day-to-day. Youi is car insurance that’s a bit more you-shaped. Mozo People's Choice Excellent Customer Service Car Insurance award winner in 2024.
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Monthly premiums
-
Yes costs extra
-
Choice of repairer
-
Optional Extra
-
Choice of excess
-
$400 - $2,500
-
Agreed or market value
-
Agreed or Market
Available discounts
- Monthly premiums available
-
Yes costs extra
- Choice of repairer
-
Optional Extra
- Choice of excess
-
$400 - $2,500
- Agreed or market value
-
Agreed or Market
- Discounts available
-
-
- States where offered
-
SA VIC TAS NSW ACT QLD WA
- Roadside assistance
-
Yes
- Genuine parts
-
Yes - If car is under 3 years old.
- New car if written off
-
Yes - within 2 years and a listed driver is the first registered owner
- Windscreen cover
-
Yes - standard excess. Option to reduce windscreen excess to $50 for an additional premium.
- Personal property cover
-
Up to $750 total or $150 per item if damaged or stolen.
- Replacement key cover
-
Up to $1,000 if stolen.
- Baby capsule or child seat cover
-
Reasonable cost
- Trailer or caravan cover
-
Up to $1,500.
- Modifications
-
Covered only if agreed in writing.
- Emergency repairs
-
Up to $1,000 combined with emergency options
- Emergency options
-
Towing costs. Up to $1,000 travel, accommodation and emergency repair costs if greater than 100 km from home.
- Rental car after theft
-
Yes - Up to 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.
Read reviews and learn more about Youi car insurance
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Comprehensive Car Insurance
QBE’s Comprehensive Car Insurance covers you for things like accident damage, fire and theft. Enjoy three year new car replacement. Get a hire car if you’re not at fault. Repair guarantee. Save $75 when you apply online.
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Monthly premiums
-
Yes costs extra
-
Choice of repairer
-
Optional Extra
-
Choice of excess
-
$500 - $2,300
-
Agreed or market value
-
Agreed or Market
Available discounts
- Online discount $75 off new policies
- Monthly premiums available
-
Yes costs extra
- Choice of repairer
-
Optional Extra
- Choice of excess
-
$500 - $2,300
- Agreed or market value
-
Agreed or Market
- Discounts available
-
-
- States where offered
-
SA VIC NT TAS NSW ACT QLD WA
- Roadside assistance
-
No
- Genuine parts
-
Yes - If car was first registered less than 3 years ago, where reasonably available.
- New car if written off
-
Yes - within 3 years and 60,000 km of original registration
- Windscreen cover
-
Yes - standard excess ($0 excess for repair only). Option to reduce windscreen replacement excess to $0 for an additional premium.
- Personal property cover
-
Up to $1,000 if damaged.
- Replacement key cover
-
Yes if stolen.
- Baby capsule or child seat cover
-
Yes
- Trailer or caravan cover
-
Up to $1,000
- Modifications
-
Automatically covered.
- Emergency repairs
-
Up to $500
- Emergency options
-
Reasonable towing cost. Up to $1,000 for the reasonable cost of essential accommodation and transport, if the incident occurs more than 100km from home. $100 travel expenses.
- Rental car after theft
-
Yes - Up to 14 days.
- Rental car after accident
-
Not at fault - yes. At fault - Optional Extra. Up to 14 days.
- Rental car liability
-
Yes - legal liability cover when using a substitute vehicle.
- Legal liability cover
-
$30,000,000
- Accidental death of driver
-
No
- Young driver excess imposed
-
$700 for listed drivers under 25, $2,000 for unlisted drivers under 25.
- Rideshare cover
-
Yes
- Other restrictions
-
-
- Other benefits
-
-
- Online discount
-
$75 off new policies
- Multi-policy discount
-
-
- No claim discount
-
No
- Low km discount
-
No
Terms, conditions, exclusions, limits and sub-limits may apply to any of the insurance products shown on the Mozo website. These terms, conditions, exclusions, limits and sub-limits could affect the level of benefits and cover available under any of the insurance products shown on the Mozo website. Please refer to the relevant Product Disclosure Statement and the Target Market Determination on the provider's website for further information before making any decisions about an insurance product.
Read reviews and learn more about QBE car insurance
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Mozo experts choice awards won:
- Exceptional Value Car Insurance - 2024
- Exceptional Value Young Driver Insurance - 2024
- Exceptional Value Senior Driver Insurance - 2024
Gold Comprehensive Car Insurance
Get award winning Car Insurance. Save 15% ^ on your first year’s premium when you purchase a new policy online. Budget Direct offers tailor-made cover, new-for-old replacement, 24/7 claims, a highly-rated claims service, and get a hire car following a theft.
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Monthly premiums
-
Yes costs extra
-
Choice of repairer
-
Optional Extra
-
Choice of excess
-
$550 - $1,900 (varies by state)
-
Agreed or market value
-
Agreed or Market
Available discounts
- No claim discount
- Online discount 15% on first year's premium
- Monthly premiums available
-
Yes costs extra
- Choice of repairer
-
Optional Extra
- Choice of excess
-
$550 - $1,900 (varies by state)
- Agreed or market value
-
Agreed or Market
- Discounts available
-
-
- States where offered
-
SA VIC TAS NSW ACT QLD WA
- Roadside assistance
-
Optional Extra
- Genuine parts
-
No
- New car if written off
-
Yes - within 2 years or 40,000 kilometres of original registration, whichever comes first
- Windscreen cover
-
Yes - standard excess. Option to reduce windscreen excess to $40 on every windscreen claim for an additional premium.
- Personal property cover
-
Personal effects cover in the event of a collision, theft or forced entry (up to $500)
- Replacement key cover
-
Up to $1,000 if stolen.
- Baby capsule or child seat cover
-
Child seat or capsule cover in the event of a collision, theft or forced entry (up to $500)
- Trailer or caravan cover
-
Up to $1,000.
- Modifications
-
Covered only if agreed in writing.
- Emergency repairs
-
Up to $500
- Emergency options
-
Automatic inclusion of up to $1,000 for emergency transport and accommodation (max $200 per day).
- Rental car after theft
-
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.
Read reviews and learn more about Budget Direct car insurance
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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 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).
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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
-
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
-
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
-
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
-
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
-
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.
Read reviews and learn more about Apia car insurance
Comprehensive Car Insurance
-
Monthly premiums
-
Yes costs extra
-
Choice of repairer
-
Optional Extra
-
Choice of excess
-
$500 - $2,200
-
Agreed or market value
-
Agreed or Market
Available discounts
- Online discount $75 off first year's premium
- Monthly premiums available
-
Yes costs extra
- Choice of repairer
-
Optional Extra
- Choice of excess
-
$500 - $2,200
- Agreed or market value
-
Agreed or Market
- Discounts available
-
-
- States where offered
-
SA VIC TAS NSW ACT QLD WA
- Roadside assistance
-
No
- Genuine parts
-
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.
Read reviews and learn more about Australia Post car insurance
Seniors Comprehensive Car Insurance
-
Monthly premiums
-
Yes costs extra
-
Choice of repairer
-
No
-
Choice of excess
-
$500 - $5,000
-
Agreed or market value
-
Agreed or Market
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 or Market
- 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
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Yes - Up to 14 days, max $50 per day.
- Rental car after accident
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Optional Extra - Up to 14 days, max $50 per day.
- Rental car liability
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Yes - legal liability cover when using a substitute vehicle.
- Legal liability cover
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$20,000,000
- Accidental death of driver
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No
- Young driver excess imposed
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$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
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No
- Other restrictions
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-
- 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
Your selected car insurance
Whether you’re winding your way through the scenic Blue Mountains, trundling along gravel roads toward Broken Hill, or zipping around suburban Sydney streets, every NSW driver wants to keep their car safe and sound. That’s why you need car insurance that protects you for New South Wales’ unique requirements and road conditions. Here’s how to find the right policy.
What types of car insurance are available in NSW?
Generally speaking, there are four main types of car insurance in NSW. These include:
Compulsory third party (CTP)
Also called your ‘greenslip’, CTP insurance is mandatory insurance that covers the medical expenses if you cause an accident that injures or kills yourself, other drivers, passengers or pedestrians.
It also provides civil liability protection related to injury or death you cause to others, for example funeral expenses or loss of income the other party experiences.
CTP insurance does not provide cover for anyone’s property including your car, their car or any other property you damage.
Important CTP details for NSW
In NSW, all drivers must have CTP insurance before you can register your vehicle.
You can typically buy either a 12-month or 6-month green slip, and it should be renewed at least 21 days before the registration expiry date – a requirement unique to NSW.
The following are licensed CTP insurance providers in NSW:
If you’re caught driving without CTP, you can face serious legal consequences and heavy fines.
For more information, here’s how CTP insurance differs in each Australian state and territory.
Third-party property and third-party fire and theft
This type of insurance is optional and can cover damage you cause to someone else’s vehicle or property - but not your vehicle, to any significant extent. These are typically cheaper than comprehensive car insurance policies.
Third-party fire and theft (TPFT) will cover your vehicle only if it’s stolen or catches on fire, but nothing else. Both may offer a token amount of coverage if your car is damaged by an uninsured driver, but that’s about all it will handle. Check out our third-party insurance guide to learn more about the options available.
Comprehensive car insurance in NSW
Finally, comprehensive car insurance is the highest level of car insurance you can get. It covers everything the third-party policies cover, plus damages to your own car: including damages you cause, damages from uninsured drivers, theft, weather-related incidents and more. To learn what it covers and what it doesn’t, it’s important to consult your policy’s product disclosure statement (PDS) which will outline everything in full detail.
It should be noted that comprehensive car insurance is the most expensive type of insurance you can get for your wheels. However, it could save you a lot of money in the long run, should you ever find yourself making an unexpected trip to the mechanic.
And feel free to use the table above to compare comprehensive car insurance in NSW.
How to find cheap car insurance in NSW
The steep inflation over the past few years has got many NSW drivers searching for cheaper policies. And no wonder: our 2024 Mozo Car Insurance Report found that NSW has the second-highest car insurance premiums in Australia on average, coming in at around $1,994 per year. The only state that was more expensive was Victoria at $2,139.
But while a cheap car insurance policy may save you a penny, it’s important to consider the advantages and disadvantages. The cheapest car insurance policy may not cover you adequately, and underinsurance can be expensive if you get into a car accident and have to pay for repairs yourself.
Insurance premiums will also vary wildly based on your risk profile as a driver. Younger, male drivers in the cities cop higher premiums than older, female drivers in the countryside, for example.
Instead, it’s more important to think about insurance in terms of value, not price. A good value car insurance policy will give you enough coverage at a price point that suits you.
You can compare award-winning great value car insurance policies in the latest Mozo Experts Choice Car Insurance Awards.
Tips for saving money on car insurance
In the meantime, here are some strategies you can take to reduce the cost of car insurance:
- Determine the type of coverage you need. CTP is definitely the cheapest option, but it’s extremely risky to rely on that alone. Imagine how much you’d have to fork out if you totalled someone’s Bentley! If your car isn’t worth much, it’s probably worth considering one of the third-party options. If you have a nicer car, then comprehensive insurance is the best way to protect it.
- Compare rates from multiple insurance companies. No two car insurance providers will cover you the same way, so get as many free quotes as possible to get an idea of what value is available to you.
- Check for any applicable discounts. Don’t drive as much? Have a good driving history? Happy to take out combined insurance? See if you can sign up for any discounts for your car insurance policy, such as an online discount, low-mileage discount, multi-policy discount or loyalty discount.
- Consider increasing your excess to lower premiums. By opting for a higher car insurance excess, you agree to take on more of the financial risk of every claim. This can lower your premium.
- Maintain a clean driving record. Some insurers will reward safe drivers with no-claims discounts, which can significantly cut the cost of your policy. But even if yours doesn’t offer this particular discount, safer drivers with clean claims histories will generally pay less, all else being equal.
- Research insurance costs before buying a new car. Since a lot of your car insurance costs can be impacted by your specific vehicle, it’s good to research how much it could cost before settling on a set of wheels.
- Regularly review your policy and coverage annually. Complacency with your car insurance will probably get you slapped with a loyalty tax. Don’t let your policy tick over – regularly compare your coverage and premium to ensure you’re getting the best deal.
What features should NSW drivers look for in car insurance?
Car insurance can come with a wide variety of coverage options to tailor your policy to your specific needs. While everyone is different, here are some items NSW drivers may want to look for when comparing car insurance policies.
- Coverage options. You will need compulsory third-party insurance as a minimum, but if you want coverage for damage to your own vehicle, you may want to look at comprehensive car insurance policies.
- Specific hazards for your area. If you’re in a part of NSW that often floods, it might be worth looking for car insurance that offers comprehensive flood protection. The same goes if there’s a high theft rate or if you live near bushland with a fire risk.
- Reasonable limits and excesses. Read the PDS of any policy you’re considering to get across what sub-limits and excesses you need to know with a specific policy. Our table above can also help in this regard.
- Good customer service and easy claims process. How does the car insurance provider fare with customers? Read the reviews, or seek out award-winners, like the popular policies found in our 2024 Mozo People’s Choice Awards.
- Competitive pricing and good discounts. Because car insurance premiums vary so much between providers and drivers, it’s a good idea to get a few quotes so you can see what’s available for your situation. And look for those discounts!
- Clear and understandable policy terms and conditions. The PDS might not be the most thrilling read, but plenty of car insurance companies go the extra mile to make this important document fun, engaging and useful.
What extras should I have when driving in NSW?
NSW is a vast and beautiful state, with many different roads, drivers… and hazards to insure. So what should NSW drivers prioritise in a policy? It depends, especially if you live in regional vs. metropolitan areas.
Regional NSW drivers face many unique risks on the road. For example, it may be worth looking for a policy that includes accommodation and transport costs if you have a motor accident in a remote location. Animal strike coverage may also be important if you’re likely to hit a kangaroo while driving at night.
Drivers in regional NSW may also want to investigate optional extras that cover natural disasters, such as bushfires, floods and hail.
Metropolitan NSW isn’t sheltered from natural disasters, but their frequency may not make coverage a necessity. Instead, NSW city drivers may want to look out for good theft coverage, pay-as-you-go insurance if you don’t drive that often, and third-party insurance, since there are more cars on the roads in cities.
Young drivers in NSW may also want to check out policies that specifically offer unique value to them.
How much does NSW car insurance cost?
In 2024, Mozo found that NSW drivers on average pay $1,994 per year on car insurance. However, your car insurance premium can vary based on your:
- Location. Drivers in cities may pay more for car insurance than country drivers.
- Age. Older drivers tend to pay less for car insurance than younger drivers.
- Driving history. Safer drivers pay lower car insurance premiums than dangerous ones who make multiple claims on their policy.
- Vehicle type. Sporty or expensive vehicles can cost more to repair, but so can electric vehicles and recently new cars. Flash vehicles are also more likely to get stolen, so they cop higher car insurance premiums.
- Level of coverage and excess. The more car insurance coverage you have, the more you will pay. A low insurance excess can also drive up your premium.
While some of these factors are out of your control, things like a clean driving record and investing in a sound, easily insured vehicle can all be good tactics for lowering the cost of car insurance.
How do I find the best car insurance in NSW?
When looking for Australia’s best car insurance, a good 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. Our experts analysed pricing and product data and determined that these policies offer some of the best price, range and features in the market.
However, 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 car insurance policies in NSW.
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FAQs about NSW car insurance
What information do I need for a car insurance quote in NSW?
You will need to know your vehicle’s make, model and age to get a car insurance quote in NSW. You may also need to provide details about the drivers on the policy (type of licence, licence number, driving history, age, location, gender, etc.) and how the car will be driven (average yearly distance and where it’s parked at night).
Will my NSW insurance be valid all over Australia?
Most policies, including NSW compulsory-third party insurance, should be valid all over Australia. If you move interstate and need a new rego, you may be required to switch to a state-approved provider. Victoria, for example, has different rules to NSW about which insurers can sell CTP.
For road trips, however, your current policy should cover you wherever you go in Australia.
What is the most common type of car insurance claim in NSW?
According to a 2024 AAMI car insurance report, the most common type of insurance claim in NSW is a nose-to-tail collision. So keep your distance!
How does a car insurance excess work in NSW?
A car insurance excess is money you agree to pay when filing a claim. Some comprehensive car insurance policies let you set your excess: the higher the excess, the lower your premium - and vice-versa.
Should I choose market value or agreed value for NSW car insurance?
Your vehicle’s market value is the amount your car is worth if you sold it now; your agreed value is a dollar figure you and your car insurance provider agree on when you take out your policy.
The one you choose affects how much you can get paid if your car is written off. Agreed value can sometimes be a better number if you bought your car with a car loan, as the value will depreciate and you will need enough to pay off the loan balance.
It’s worth noting that not all insurers offer an agreed value option, and some that do may charge a bit extra to add it to your policy.
Learn more about agreed vs. market value.
When do I need to pay my car insurance premium in NSW?
Most premiums can either be paid monthly or yearly. If you choose to pay monthly, some car insurance providers may charge extra for the convenience. You should always pay your premium on time since forgetting to pay could create a lapse in your coverage. If you have an accident when you’re uninsured, you won’t get anything back from your policy.
Will accident statistics in NSW affect my car insurance costs?
Some car insurance providers will consider rates of motor vehicle accidents in your local area when calculating your car insurance premium, along with other factors like your age, gender, and driving history. For tips on staying safe on the roads, head over to Transport for NSW .
How do I make a claim on my car insurance in NSW?
Your car insurance claim process will depend on your car insurance provider. Usually, you will be required to submit paperwork and include your policy details, any witness statements or police reports, mechanic quotes or receipts, photo evidence, the date/time/location of the incident, and the other driver’s insurance/licence/contact details, if applicable. Filing online can often be the easiest way to lodge your claim.
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customer reviews
Commonwealth Bank
The Commonwealth Bank is one of the big banks. This gives me a measure of safety in knowing that my money is safe in the current economy. However being a big bank, they don't always pass on interest rate cuts and unless you're careful when selecting your credit card accounts, the fees can be high.
Read full reviewThe Commonwealth Bank is one of the big banks. This gives me a measure of safety in knowing that my money is safe in the current economy. However being a big bank, they don't always pass on interest rate cuts and unless you're careful when selecting your credit card accounts, the fees can be high.
Value for money3/10Policy coverage2/10Customer service4/10Claims handling8/10Trust8/10More reviews
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