Rates and fees verified as correct at 04 August, 2021. Other information correct at the time of writing. Advertiser disclosure.
| Product | Monthly premiums available | Maximum no claim discount | Online discount | Choice of repairer |
|---|---|---|---|---|
| Car Insurance | Yes costs extra | Not Published | n/a | Yes |
This new kid on the car insurance block is offering extremely flexible insurance for drivers looking to cut down their premiums. While Range is underwritten by major insurance player RAC, it offers a pretty unique approach to car insurance.
You’ll likely see the usual inclusions and exclusions in policies, but the difference with Range is that drivers can opt in or out of almost every coverage point, and even elect specific days of the week for when their policy is active. The aim is to create a tailored policy that meets the exact needs of each customer at a reduced price.
You might be asking whether Range offers comprehensive car insurance or simply third party cover. In short, the answer is that both are accessible under the one policy.
This is because Range customers are able to opt in or out of various aspects of the policy. This includes policy points you’d see in comprehensive car insurance (like damage to your own wheels and cover for a hire car after an insurable incident) and third party coverage (solely cover for damage to other cars and property).
It’s an unconventional approach, but the idea is that by only choosing the events and coverage likely to impact you, you’ll be able to remove unnecessary cover and reduce car insurance costs.
Similarly, Range customers are able to elect certain days of the week where the policy does and does not apply. This is useful for people who only drive minimally on a consistent schedule (e.g. only on weekends for shopping and leisure), as each day has an associated cost and cutting out days can reduce your premium.
Bear in mind, if you then drive on a day not covered by your policy and end up in an incident where you need to claim on your insurance, your cover will not be valid.
Be sure to carefully read through the Range Product Disclosure Statement and figure out exactly what elements of the coverage you need and want before taking out a policy.
As with more standard car insurance policies, there are some things that Range definitely won’t cover you for. Some of the major exclusions are:
Mechanical, structural or electronic breakdowns and failures
General wear and tear, rusting, corrosion and overall depreciation
Leaving your car unattended with the keys in or on it
If your car is being used unlawfully, driven by someone without a licence, who is under the influence or taking medication that affects their driving ability, or who has had their own car insurance declined, withdrawn or cancelled
Since the inclusions in a Range Car Insurance are optional, premiums will vary depending on each individual customer’s selection. However, there are other factors which affect the cost of Range Car Insurance, including:
The make, model and value of your car
Your age and gender (the same goes for anyone else insured under your policy)
Your driving and car insurance history (and that of any other insured drivers)
Where you live
How you use your car
Whether you pay your premium annually or in instalments (monthly instalments incur a 10% fee).
So long as it’s for events and days you’re covered for, you’ll be able to submit a claim with Range online. If the claim is related to a theft or crime, you’ll need to report this to the police, and in all circumstances try to ensure the car isn’t damaged further. Depending on the type of claim, you’ll need the following information:
Contact details of anyone involved, including witnesses
Insurance details and registration number of other drivers involved in the incident
Proof of ownership for any damaged or stolen property (like receipts, owner manuals and warranties)
Copies of any letters, notices, court or other legal documents relating to the incident, as well as a police report if applicable
Receipts for expenses you have incurred that are covered under your policy.
Yes, Range offers a no claim bonus for drivers who don’t make any ‘at-fault’ claims on their car insurance for a certain number of years. This ranges from 20% for one year up to 55% for five or more claim-free years with Range.
You are able to maintain this discount if you make a claim where you were not the driver at fault, and the bonus won’t be affected if your claim is only for damage to your car's windscreen, sunroof or window glass.
You can also add a layer of insurance to this bonus by opting in for the no claims bonus protection (for an additional premium). This ensures the discount is maintained if you make one at-fault claim in a policy period.
No, Range Insurance doesn’t offer roadside assistance. If you’d like to have this kind of support, you’ll need to take out a separate policy with another provider.
Right now, Range only provides comprehensive car insurance in Western Australia and New South Wales cover. This means you'll need to be a resident of these states to take out a Range policy. However, it will be valid when driving in other states and territories.
Yes, Range will apply an additional young driver excess if you’re under 25. This is between $300 and $650 depending on your age (and that of other listed drivers). There’s also an additional inexperienced driver excess of $300 if drivers are 26 or older but have been driving for less than two years on a full licence.
The standard excess with Range is $500, but you can elect to increase this up to $2,000 (for a reduced premium) or down to $0 (for a premium increase).
Range is underwritten by RAC Insurance, which was founded in Western Australia more than 100 years ago.