Rates and fees verified as correct at 20 January, 2021. Other information correct at the time of writing. Advertiser disclosure.
|Product||Monthly premiums available||Maximum no claim discount||Online discount||Choice of repairer|
|Comprehensive Car Insurance|| |
Yes costs extra
|Go to site|
Any information provided on this page should be considered a summary and general advice only. All information should be verified before purchase via the relevant Product Disclosure Statement (PDS).
† Mozo may receive a payment from financial providers listed on the site. Customer reviews are in no way affected by any commercial relationships Mozo has with providers.
Stella’s comprehensive car insurance policy covers anyone who drives your car, as long as they meet the terms and conditions. This includes a learner driver, driving your car while under supervision from a fully licensed driver.
While the company is geared towards the needs of women, men can still easily take out a policy with Stella. Male drivers will see a bump in their premium though, as lower rates are reserved for female customers who are statistically lower-risk drivers.
Stella’s car insurance cover is comprehensive, meaning it covers your vehicle and items within it in a whole range of circumstances. This includes:
Theft and accidental damage
New car replacement (if it’s written off in the first three years and driven under 60,000km)
Up to $2,000 for damaged or stolen baby gear (like car capsules, booster seats and prams)
Up to $1,000 cover for personal items you leave in your car
Emergency accommodation, transportation costs and towing
$30 million third party liability.
Stella’s domestic cover exists so any deliberate damage done to your car by a current or former spouse or partner can be covered by the policy. The only additional step you’ll need to take for this kind of cover is to report the incident to the police.
The premium Stella charges you will be dependent on your driving history, any optional extras you’ve included with your policy, plus your gender and age.
Factors Stella may take into consideration when determining your premium include:
Information about drivers listed on your policy: This includes their age, driving history and whether they are female, male or non-binary.
Information about your car: This includes the make, model and age of your car, the address where it’s kept, if it has any modifications, its general condition, what it’s used for and how often it’s driven.
Any claims made on your policy: The cost of your premium may go up following any claims made on your policy.
Whether or not you have chosen an agreed value: The higher your agreed value, the higher your premium will be. If you go for market value over agreed value, your premium may be lower but the payout to cover a total replacement could be lower.
How frequently you make payments: Your premium may come with an extra processing fee if you choose to pay it monthly rather than yearly.
Stella does not have a no claim bonus, but it does have something fairly similar: a no claim reward. This program aims to reward you for driving safely just like a no claims bonus, but instead of cutting down your premium, it reduces your excess.
For each consecutive year that you either make no claim or make only a not-at-fault claim, Stella will increase your no claim reward by $100. You can increase your no claim reward for three years (up to a maximum of $300).
So, if there is an incident and you do have to make a claim, whatever no claim reward you have built up will be deducted from your excess (the amount you have to pay before your insurance kicks in). If you are claiming for anything other than a not-at-fault incident, then your no claim reward will reset back to $0 in the next policy period.
To make a claim with Stella, you will have to login to the customer portal, select the policy you wish to make a claim on and hit the claim button.
Once you’ve completed the form, one of Stella’s claims specialists will be in touch with you for more information. To make sure the claims process goes smoothly, gather all the relevant documentation, including:
Your ID number, car rego papers and insurance policy details
The same details plus contact info of anyone involved in the incident the claim is related to (as well as details of any witnesses)
Photos of the accident or damages, and any extra information about the incident
A police report (if applicable).
No-excess windscreen cover
Hire car cover (up to $75 a day for 14 days)
Stella is partnered with the 365 Assistance Group to offer 24/7 roadside assistance through the 365 Assist Mobile app. Benefits with Stella’s roadside assistance include:
Minor repairs and tyre assistance
Battery and parts replacement
Emergency fuel (up to $10)
Towing (up to 20km in metro areas and a 50km roundtrip in regional areas).
With most claims you make, you’ll have to contribute a bit towards the cost. How much you contribute will be determined by what excess types apply to your policy. You can find this information on your Certificate of Insurance. Stella’s excess types include:
Basic excess: This applies for most claims, except not-at-fault accidents and if you’ve opted for excess-free windscreen repair.
Age excess: The age excess applies when the driver of your car is under 25 at the time of the incident and they have either caused or contributed towards it. This is in addition to the basic excess and does not apply to learner drivers.
Additional policy excess: Applies to your policy depending on the insurance history of your car and the driver. This excess is in addition to the basic excess and other excesses applicable to your car. It does not apply to a learner driver.
Additional driver excess: This may apply to your policy, depending on the additional driver’s details, including their insurance history. Again, it is in addition to the basic excess and any other excesses that may apply, except for learner drivers.
To receive a quick quote from Stella you will need to provide the following information:
What state your car is registered in
Your registration number
The address where your car is usually kept
Your date of birth
Whether you are female, male or non-binary
Your email address.
A quick quote doesn't guarantee risk acceptance, and you’ll still need to meet Stella's underwriting criteria. Importantly, it will be an estimate only, based on the information provided as well as some assumptions made by Stella. Final quote prices will take into account the factors mentioned above.
If Stella accepts it, your claim will be settled in one of the following ways:
By repairing your car
By paying a reasonable amount to repair your car
By agreeing that your car is a total loss and paying the agreed or market value shown on your Certificate of Insurance
By replacing your car with a new car, if the conditions for replacing your car with a new one are met