car insurances

Compare Car Insurance Victoria

Looking to save money on your comprehensive car insurance? Here at Mozo, we help you to compare some of the latest car insurance deals available in Victoria. Review policy features and available discounts in the table below then get a personalised quote direct from the insurance provider to see how much you could save.

If you're in research mode, we've also got a range of detailed guides and FAQs that cover all car insurance topics to help you.

Car insurance comparisons on Mozo - last updated 19 June 2021

Search promoted car insurance below. Advertiser disclosure. Important information on terms, conditions and sub-limits.
  • 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.

    Monthly premiums
    Calendar icon
    Yes Costs Extra
    Choice of repairer
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    Optional Extra
    Choice of excess
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    $500 - $1,850
    Agreed or market value
    Car coin icon
    Agreed Or Market

    Available discounts

    • Online Discount Up To 15%
    Compare
    Go to site
    Details
  • Hot DealFor a limited time, sign up to a Comprehensive Car Insurance policy to qualify for a $100 gift card (T&Cs apply).

    Comprehensive Car Insurance

    For a limited time, sign up to a Comprehensive Car Insurance policy to qualify for a $100 gift card (T&Cs apply). Australia Post Comprehensive Car Insurance offers a broad range of coverage and includes cover for anyone who drives your vehicle. It also covers new car replacement if your recently purchased brand new car is written off within the first three years (provided it has travelled less than 60,000km).

    Monthly premiums
    Calendar icon
    Yes Costs Extra
    Choice of repairer
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    Optional Extra
    Choice of excess
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    $400 - $2,200
    Agreed or market value
    Car coin icon
    Agreed Or Market

    Available discounts

    • Online Discount $75
    Compare
    Go to site
    Details
  • Comprehensive Car Insurance

    Discover more rewarding car insurance. With competitive cover for you - and your budget, plus up to 20,000 Qantas Points (points awarded will be based on your premium). T&Cs and eligibility criteria apply.

    Monthly premiums
    Calendar icon
    Yes Costs Extra
    Choice of repairer
    tools icon
    Optional Extra
    Choice of excess
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    $400 - $1,850 (varies By State)
    Agreed or market value
    Car coin icon
    Agreed Or Market

    Available discounts

    • No Claim Discount
    Compare
    Go to site
    Details
  • Comprehensive Car Insurance

    Huddle Car Insurance, Pay as you drive & save up to 30% (T&Cs apply). 24/7 claims lodgement and new-for-old replacement (under 2 years).

    Monthly premiums
    Calendar icon
    Yes
    Choice of repairer
    tools icon
    No
    Choice of excess
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    $500 - $5,000
    Agreed or market value
    Car coin icon
    Agreed Or Market

    Available discounts

    • Pay As You Drive Cover With Pricing Tiers Available For Limited Kms.
    Compare
    Go to site
    Details
  • Comprehensive Car Insurance Policy

    Bingle keeps car insurance simple - choose between Comprehensive and Third Party Car Insurance. Comprehensive covers you for accidental loss or damage to your own car caused by insured events such as accidents, theft, storms, fire.

    Monthly premiums
    Calendar icon
    Yes Costs Extra
    Choice of repairer
    tools icon
    No
    Choice of excess
    coins icon
    $650 - $2,200; Varies Between States
    Agreed or market value
    Car coin icon
    Market

    Available discounts

      Compare
      Go to site
      Details
    • Hot DealSwitch to Stella comprehensive car insurance before 30 June 2021 and get $50 cash back (T&Cs apply). Use the code STELLA50 to activate offer.

      Comprehensive Car Insurance

      Stella are changing the tune on car insurance, offering car insurance made especially for women. Features include no claim reward, new car replacement, customise your policy and more. Enter your car rego and get a quick quote online.

      Monthly premiums
      Calendar icon
      Yes Costs Extra
      Choice of repairer
      tools icon
      No
      Choice of excess
      coins icon
      $800 - $2,000
      Agreed or market value
      Car coin icon
      Agreed

      Available discounts

      • No Claim Discount
      Compare
      Go to site
      Details
    • Price Saver Comprehensive

      Save 15% on your first year’s premium when you buy online with Virgin Car Insurance.

      Monthly premiums
      Calendar icon
      Yes Costs Extra
      Choice of repairer
      tools icon
      Optional Extra
      Choice of excess
      coins icon
      $500 - $1,850
      Agreed or market value
      Car coin icon
      Agreed Or Market

      Available discounts

      • No Claim Discount
      • Online Discount 15% Discount On First Year’s Premium
      • Restricted Drivers Discount Available
      Compare
      Go to site
      Details
    • Comprehensive Car Insurance

      Making sure your car insurance is about where you’re at right now could save you lots. Start a quote with Youi today and see what you could save. Exceptional Value Car Insurance award winner in 2020.^

      Monthly premiums
      Calendar icon
      Yes Costs Extra
      Choice of repairer
      tools icon
      Optional Extra
      Choice of excess
      coins icon
      $400 - $2,500
      Agreed or market value
      Car coin icon
      Agreed Or Market

      Available discounts

      • 20% Discount On Contents Insurance If Youi Car Insurance Also Held
      Compare
      Go to site
      Details
    • Comprehensive Car Insurance

      Take advantage of Woolworth's Price Beat on any comparable Comprehensive renewal notice if you're over 25. Buy online and you could save up to 15% on your premium. Features Drive Less, Pay Less to reduce premiums. Get a quote today. Winner in Exceptional Value Car Insurance Award 2020.

      Monthly premiums
      Calendar icon
      Yes Costs Extra
      Choice of repairer
      tools icon
      No
      Choice of excess
      coins icon
      $500 - $2,000
      Agreed or market value
      Car coin icon
      Agreed Or Market

      Available discounts

      • Online Discount 10%
      • 10% Promotional Discount
      • 5% Discount If You Exclude Drivers Under 25
      • Drive Less Pay Less Option To Reduce Premiums For Limited Kilometres.
      Compare
      Go to site
      Details

    ^See information about the Mozo Experts Choice Car insurance Awards

    *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 on the provider's website for further information before making any decisions about an insurance product.

    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 provides general product information. We don't consider your personal objectives, financial situation or needs and we aren't recommending any specific product to you. You should make your own decision after reading the PDS or offer documentation, or seeking independent advice.

    While we pride ourselves on covering a wide range of products, we don't cover every product in the market. If you decide to apply for a product through our website, you will be dealing directly with the provider of that product and not with Mozo.

    Car insurance resources

    Reviews, news, tips and guides to help find the best car insurance for you.

    FAQ

    Comparing comprehensive car insurance policies with Mozo

    Whether you spend most of your commute time mazing through Melbourne’s CBD or cruising along the scenic route to Ballarat or Bendigo, if you live in Victoria you know the importance of having your trusty set of wheels covered by a top-notch comprehensive car insurance policy. 

    Car insurance can be a confusing creature, but it is important to understand how to compare policies so that you’re grabbing the best deal you can while getting the right level of cover for your trusty mode of transport.

    That’s why Mozo has made it super easy to compare comprehensive car insurance policies. Using the comparison table above you’ll be able to see a range of car insurance policies specifically available to Victorian drivers. Plus their brightest and most competitive features, such as discounts on offer, the flexibility to choose your repairer, levels of excess as well as how long it will take you to get a quote.

    If you want to know a little more about a policy just hit the ‘more info’ tab and if you think you’ve found “the one”, you can start the application process by clicking the ‘go to site’ button which will take you right where you need to go for a customised quote. 

    Car insurance providers might lean on some pretty technical terminology when discussing how their policies work and what it means for your car. So that you’re ready for that conversation, we’ve pulled together the following frequently asked car insurance info so that you’ll be a car insurance pro and snag the best deal for you. 

    What’s the difference between third party and comprehensive insurance?

    In Victoria, as in most other states and territories in Australia, there are three main types of third party car insurance. 


    The most basic type is compulsory third party (CTP) insurance. As the name suggests this insurance is mandatory and in Victoria it is tied into your registration costs. It provides the driver cover for legal liability for injury or death.

    The other two types of third party car insurance are third party property insurance and third party fire and theft insurance. These are both optional and are mainly designed to cover you for damage done to someone else's car. However, neither will cover to repair or replace your car if you are responsible for an accident. These are usually cheaper than comprehensive policies.

    Comprehensive car insurance policies, on the other hand, offer the highest levels of cover. You get all the benefits of third party property cover, but your wheels are also covered for a range of circumstances, whether you’re at fault or not. These are the policies featured on Mozo in the table above. While they are pretty comprehensive, there will be variations between each one, so be sure to check the policy's PDS to know exactly when your cover will kick in and when it won't.

    What factors affect my car insurance premium in Victoria?

    Your car insurance premium takes some serious calculating, but what exactly is the insurance company weighing up when putting together your quote? 

    Well, some of the things that are usually taken into account include:

    • Your age and gender: Younger male drivers are generally considered to be more of a risk to insure than older women.
    • The age and colour of your vehicle: Newer, more expensive cars cost cost more to cover.
    • Where you live:This includes your address in Victoria and whether your car is garaged.
    • Projected mileage: Some insurance providers offer cheaper premiums for Aussies who don’t use their cars so often. 

    With every insurance providers working through the premium equation a little differently, it is super important not to just go with the first quote you get. Instead, shop around and identify a few policies you think would suit you and get quotes from all of them. Mozo mystery shops from the past have shown huge savings between comprehensive car insurance providers for insuring the same driver and car so compare, compare, compare.

    Will I be able to get a discount on my car insurance in Victoria?

    No one likes to pay full price for anything nowadays and car insurance is no different! Fortunately, there are a bunch of discounts and bonuses that can be applied to your policy in you live in Victoria that’ll help drive down costs while keeping your cover as comprehensive as ever. These include:

    No claims bonus

    A ‘no claims bonus’ is a discount that is given to policyholders who haven’t made any claims against their car insurance for a period of time. In Victoria, there are different tiers of discount that apply depending on how long you’ve kept a claims-free history, but this amount can reach as high as 70% of your premium with some providers and is transferable, so don’t be afraid to check out the competition.

    Multi-policy discount

    Consider taking out a car insurance policy with your home insurance provider.  Some insurance providers will reward you with discounts for taking out more than one policy with them.

    Online discount

    As with much of the world, insurance companies are moving online nowadays some will even offer you the chance to slash the price of your comprehensive premium by taking out a policy over the internet. Easy money if you ask us!

    Restricted driver discount

    The more drivers listed on your policy, the more of a risk it is for your insurance provider. For that reason, some insurance companies in Victoria will give you the chance to save some precious pennies by restricting the amount of people who will potentially get behind the wheel of your car.

    Family discount

    Especially handy for first time customers, if your parents have a car insurance policy with the same provider as you, you may be able to nab a discount on your own policy.

    Loyalty discount

    If you’ve been with the same insurance provider for a while, some car insurance providers will offer you a discount at renewal time and if they don’t it’s time to shop around. 

    Fuel efficient discount

    If your car is fuel efficient or a green electric car, look out for policies that will slash your premium thanks to your environmentally-conscious ways - you deserve to be.


    What features should I look out for when taking out a car insurance policy?

    What you’re after is a comprehensive car insurance policy that packs a punch when it comes to features and while each policy is different, the more features stacked into one package, the wider the level of cover. Keep an eye out for:

    • Windscreen cover. Not always a standard feature on every car insurance policy, windscreen cover will cover any damage to your windscreen or any glass on your vehicle but could be accompanied by an extra excess to access this feature of your policy.
    • Choice of repairer. It is your car and you might want the luxury of sending it to a mechanic or panel beater of your choosing, if you are involved in a bingle.
    • Rental cover. While your car is at the mechanic or even worse, if it has been stolen, how will you get about? Rental cover is often an added option that could cover you in both situations, or just one ore the other.
    • Personal property. Our cars can often become a second, mobile wardrobe or a mini storage unit for our clothes, laptops or sunglasses. If that’s the case for you, keep an eye out for a generous personal property cover cap on your next comprehensive car insurance policy. 
    • Roadside assistance. So you’ve broken down and you need help, ASAP. Roadside assistance is for times just like this and while most insurance companies won’t offer this as standard, some will meet your most immediate mechanical needs for an additional premium.

    What should I know before I make a claim in Victoria?

    It’s important you know how to go about making a claim on your car insurance policy.

    Before you even start the claims process, make sure you have a couple of things on-hand so that the process runs as smoothly as possible:

    • The date and time
    • Location of accident or incident
    • Other driver’s details (including the phone number and licence details)
    • Any witness statements / other road-users involved.
    • Any photo evidence
    • Police report (if applicable)

    It is important to know that when you lodge a claim, no repair work will start until you’ve paid the excess to access your policy but in terms of getting the wheels rolling on your claim you have a couple of options. If you’re a savvy web-surfer, the easiest option is to lodge, and keep track, of your claim online but you also have the option of picking up the phone and contacting your provider that way and a few providers even have a 24/7 claims service. Finally, it is probably worth noting that by making a claim on your car insurance now - your future premiums could rise and your hard-earned no claims bonus could take a hit.

    External sources

    **National Motor Vehicle Theft Reduction Council (Dec 2020) ‘Theft Watch Report’ - accessed Jan 2021

    **VicRoads ‘Crash Statistics’ - accessed Jan 2021

    ^Victorian Transport Accident Commission ‘Safe driving’ - accessed Jan 2021

    ^^Suncorp (Aug 2019) ‘At fault accidents lead car claims’ - accessed Jan 2021

    FAQs about car insurance in Victoria

    Will my Victorian car insurance be valid all over Australia?

    If you are involved in a car accident while on a short holiday or business trip interstate then, depending on the individual circumstances, your car insurance should cover you. Most car insurance companies will accept eligible claims, regardless of what state or territory you are in when the incident occurs.

    That said, you should check with your insurance provider on what particular rules they may have for parking your interstate. You can do this either by reading through the product disclosure statement that came with your car insurance policy, or by giving your insurance company a ring for more information. It should also be noted that while most car insurance providers operate in all states and territories, some do not. So this is also worth checking before you hit the road.

    Will car crime in Victoria affect my insurance premium?

    You might have heard that Victoria had the most amount of car thefts between September 2019 and September 2020. That’s according to the National Motor Vehicle Theft Reduction Council*.

    Now this may not sound too promising, especially considering Victoria has had the highest rate of car thefts in the country for a few years now. However, this figure is less than the 12 months between September 2018 and September 2019. It also contributes to a 19% overall decrease in car thefts in the state over the past four years. 

    It is also good to note that the car theft rate across the whole state should not have an affect on your individual car insurance premium. Rather, your insurance company will look at what the car theft rate is like in your particular area when working out your premium. So, if you reside in a small regional town where there isn’t a whole lot of auto-theft going on, then your insurance provider won’t judge you on the crime rate of the whole state.

    Plus, there are plenty of other things that will come into play when working out your premium. For instance, where you park your car could make a difference. If you lock your car away in a garage where it is less likely to be stolen, then your premium may be lower. Or, if you keep it parked on the street, then your insurance premium may be higher. 

    Do Victoria car accident statistics affect my insurance premiums?

    As mentioned above, one of the factors that will be used to determine your insurance premium is where you live. Insurance companies may look at how high car accident rates are in your area.

    According to VicRoads, there were 109 fatal crashes in 2019 and 1,205 ‘serious injury crashes’ in the state**. The Victorian Transport Accident Commission gives tips on safe driving, including information on how distracted driving can affect performance, motorcycle safety, seatbelt safety and cycling safety^.

    While car accident statistics in your area may affect your premium, you can reduce the amount you pay by being a safe driver and making little or no claims. When working out your premium, your car insurance provider will look at your personal driving history. So following the road rules is not only a good idea to protect yourself and everyone around you, but also to keep your premiums down.

    What are the most common types of car insurance claims in Victoria?

    According to Suncorp at-fault collisions were the most common types of car insurance claims in Victoria in 2019^^. These made up 29.24% of claims that year and were closely followed by not-at-fault collisions and single car collisions.

    This is not too out of the ordinary, considering at-fault claims were the leading type of claim in most states and territories.

    What type of car insurance do I need in Victoria?

    As is the case all over Australia, in Victoria you must have compulsory third party car insurance to legally drive in the state. In Victoria CTP insurance is administered by the Transport Accident Commission (TAC). The charge will be included in your VicRoads registration and will appear as either a ‘TAC Premium’ or a ‘TAC Charge’.

    Whether you choose to also take out either third party property insurance or comprehensive car insurance is entirely up to you. Factors that may sway your decision are your financial situation, what the value of your car is and where you live. Remember that third party property insurance provides liability for if you cause damage to someone else’s vehicle. You can increase your third party insurance with fire and theft cover, this will protect your vehicle if it is damaged as a result of fire or theft. If you want your car to be protected in the event of an accident, you will have to take out comprehensive car insurance. 

    Is my car covered for fire damage in Victoria?

    If you have third party fire and theft insurance or comprehensive car insurance, then your vehicle should be covered for fire damage in Victoria. Of course every insurance policy is different, so it is a good idea to check the exact definition of ‘fire’ and ‘fire damage’ in your PDS. That is the product disclosure statement that goes with your car insurance policy.

    How does the excess work and should I have a low or high excess? 

    There are two major expenses associated with your Victoria car insurance policy. First of all, your premium is calculated as an annual cost, although it usually can be paid on a monthly basis and is the price to take out the policy. If you do opt for the monthly feature, it is a good idea to sign up for a direct debit so you can rest easy knowing that your car will be covered. There would be nothing worse that going to make a claim only to find out that you’d missed a payment and voided your insurance! 

    The other major cost of your car insurance policy is known as an excess. This is the cost that you will have to pay to the insurance company if you want to make a claim on your policy for an at-fault accident. 

    When you take out your car insurance policy, your insurance company will often give you a choice of excess. Generally speaking, the higher your excess the lower the cost of your standard premium. For instance, if you opt to have a $1000 excess, your insurance premium will be cheaper than if you only had a $500 excess. 

    What happens if my car is written off?

    If your car is deemed a write-off by your insurance provider's assessors, your comprehensive car insurance policy will kick in to pay out your sum insured or pay for the purchase of a new car, minus your excess amount. But this will only happen if the costs to repair the damage turns out to be more than the value of the vehicle itself.

    It is important that you understand the difference between the agreed and market value when taking out insurance as this will determine whether your car is replaced or you are paid out in the case of a write off. 


    What is better market value or agreed value?

    Market value and agreed value are simply two different ways that your insurance company can value your car. Neither are better per se, but one might work better for you.

    Here’s a quick rundown of the difference between the two:

    • Market value: This is basically what your car would be worth on the open market. If you opt for this type of valuation then your insurance provider will take into account depreciation, the condition of your vehicle, the make, age and model. More often than not, the market value will go down as your car ages.

    • Agreed value: Unlike market value, agreed value is a price that you and your provider will agree on when you take out your car insurance policy. Your insurance company will review the agreed value every time you renew your policy and as such will most likely decrease it as your wheels get older.

    Read more about the difference between the two, in our guide to market value vs agreed value.

    What do I need for a car insurance quote in Victoria?

    When gathering Victoria car insurance quotes, it’s always a good idea to have a few bits and bobs handy. Information you might want to have with you includes:

    • Personal information. Insurance providers will usually ask for your name, address and contact details.

    • Detailed information about your wheels. This includes what make and model your car is. How old it is and what the registration number is.

    • Your driving licence. Your licence number and how long you have held it for.

    • Where you usually park. Generally, cars that are locked up tight in a garage have a lower risk of being stolen. So your insurance company will want to know where you park your vehicle.

    • Driving history. You will have to declare any incidents or accidents you may have had in the past few years.

    • How far you drive. It only follows that the more you use your car, the more likely you are to have some sort of incident. So, to give you a quote, insurance companies will ask you how many kilometres per year you usually drive.

    Other things providers may ask you about include when you last made a claim, what it was for, and who usually drives your car. 

    Does car insurance vary in different states and territories in Australia?

    Compulsory third party car insurance is a legal requirement all over Australia. How this works varies depending on where you live. Third party liability and comprehensive car insurance are also available all across the country. Mozo has comparison pages for other states and territories in Australia including:

    Is there special car insurance for some car makes and models? 

    While you don't need a particular kind of car insurance for certain car types, there could be policies or levels of insurance which suit you and your wheels better.

    We've broken down the numbers for a few different car brands so you can better understand the insurance costs associated with some popular cars:

    You can  find average annual premiums across various models, as well as insurance trends for people who drive these kinds of cars.

    Picture of Olivia Gee
    Olivia Gee
    Money writer

    As a finance journalist at Mozo, Olivia investigates insurance, banking and property. After completing a double degree in journalism and media and communications, Olivia became a lifestyle editor at Time Out Sydney and freelanced for notable publications such as Guardian Australia and SBS News. Now she is Mozo’s resident car insurance enthusiast, and is certified (ASIC RG146 Tier 2) to provide general insurance advice. She also edits content for the Mozo Experts Choice Awards, and creates audible finance adventures as co-host of Mozo’s podcast, The Finance Burrito.

    Car Insurance Reviews

    SGIC Car Insurance review
    Overall 1/10
    This company is completely dysfunctional.

    Don’t go near any of the insurance brands associated with this company. Firstly, apart from the initial sales team if you ever have to make a claim you will be dealing with an overseas call centre. The 'SA-based' SGIC brand is the thinnest of facades and the current owners of the brand are trashing what was once a respected name. The reports of terrible experiences found elsewhere here are consistent with our disastrous experience. Their systems are hopelessly dysfunctional and, as mentioned by others, seems to be based on forcing unfortunate OS call centre staff to wear people down through sheer frustration so that customers give up when repeatedly no level of competent service or alternative to escape their spiral of ineffective non-action is provided. From our experience. You will never deal with the same person twice; you will have to explain the same thing over and over, in our case more than a dozen times; you will deal with unfortunate OS call centre staff who are thrown to the wolves with inadequate resources or power to resolve things (the company should be ashamed of the way these staff are used to avoid Australian senior staff having any contact with super-frustrated customers); you will not get replies to emails; you will wait to talk to people who have are not equipped to understand the case even though it has been written, drawn and explained a dozen times; if you demand to be sent something in writing it may be a text with a completely irrelevant link; you will be given contradictory advice that the staff cannot provide any backup explanation for - even after being put on hold for 10 minutes; you will not find an obvious way to talk to anyone with any capacity to get you off their exhausting call centre treadmill. Australian-based staff seem protected by the system at all costs so their call centre staff must face the music; you may get told to that your claim is finally resolved after 4 months and told to take it to an SGIC approved crash repairer and spend the time to do so; you may then be told the opposite based on a so-called new review finding that there was a breach of traffic light road rules - in an incident on an isolated country road with no traffic lights for miles around. You may then be told to provide the basic details of the incident again - approaching 5 months after the original claim; this reviewer may then send you a non-sensical letter that argues the original ‘not at fault’ decision no longer stands but does not even mention the fact a irrelevant traffic light rule was cited as the reason for the reversal of your country road incident decision; The letter may say that you have a week to contact the reviewer directly if there are any issues but where the phone number is meant to be is only xxx’s; so you may call the other overseas call centre number which answers as ‘welcome to RACV’ even though you are insured by SGIC; so you may then resort to email and the only reply you get before their deadline is an autoreply saying “thanks for your recent claim”; you may never feel so disappointed in an Australian company; you will feel very sad for the few remaining staff left in the Australian offices who must read these reports of what happens when the customers they sign up ever need to make a claim....

    Read full review

    Don’t go near any of the insurance brands associated with this company. Firstly, apart from the initial sales team if you ever have to make a claim you will be dealing with an overseas call centre. The 'SA-based' SGIC brand is the thinnest of facades and the current owners of the brand are trashing what was once a respected name. The reports of terrible experiences found elsewhere here are consistent with our disastrous experience. Their systems are hopelessly dysfunctional and, as mentioned by others, seems to be based on forcing unfortunate OS call centre staff to wear people down through sheer frustration so that customers give up when repeatedly no level of competent service or alternative to escape their spiral of ineffective non-action is provided. From our experience. You will never deal with the same person twice; you will have to explain the same thing over and over, in our case more than a dozen times; you will deal with unfortunate OS call centre staff who are thrown to the wolves with inadequate resources or power to resolve things (the company should be ashamed of the way these staff are used to avoid Australian senior staff having any contact with super-frustrated customers); you will not get replies to emails; you will wait to talk to people who have are not equipped to understand the case even though it has been written, drawn and explained a dozen times; if you demand to be sent something in writing it may be a text with a completely irrelevant link; you will be given contradictory advice that the staff cannot provide any backup explanation for - even after being put on hold for 10 minutes; you will not find an obvious way to talk to anyone with any capacity to get you off their exhausting call centre treadmill. Australian-based staff seem protected by the system at all costs so their call centre staff must face the music; you may get told to that your claim is finally resolved after 4 months and told to take it to an SGIC approved crash repairer and spend the time to do so; you may then be told the opposite based on a so-called new review finding that there was a breach of traffic light road rules - in an incident on an isolated country road with no traffic lights for miles around. You may then be told to provide the basic details of the incident again - approaching 5 months after the original claim; this reviewer may then send you a non-sensical letter that argues the original ‘not at fault’ decision no longer stands but does not even mention the fact a irrelevant traffic light rule was cited as the reason for the reversal of your country road incident decision; The letter may say that you have a week to contact the reviewer directly if there are any issues but where the phone number is meant to be is only xxx’s; so you may call the other overseas call centre number which answers as ‘welcome to RACV’ even though you are insured by SGIC; so you may then resort to email and the only reply you get before their deadline is an autoreply saying “thanks for your recent claim”; you may never feel so disappointed in an Australian company; you will feel very sad for the few remaining staff left in the Australian offices who must read these reports of what happens when the customers they sign up ever need to make a claim....

    Value for money
    1/10
    Policy coverage
    5/10
    Customer service
    1/10
    Claims handling
    1/10
    Trust
    1/10
    Less
    Rick, South Australia, reviewed 12 days ago
    Budget Direct Comprehensive Car Insurance review
    Overall 1/10
    An absolute unprofessional disgrace

    This insurance company has been an absolute shoddy, unprofessional disgrace and has caused me incredible (unnecessary) stress. My car was hit by a reckless driver and was subsequently sent to a shoddy panel repairer in Melbourne, who did not repair the car properly. There was still a major problem when I picked the car up, so I was forced to return it for further repairs. Subsequent to this, they had to strip the car all over again and search for the problem over several days. During all of this I tried to contact Budget Direct to get a further hire car booking (which I was entitled to since the accident was not my fault). I've constantly had to call them over and over again to extend my hire car booking as the repairer kept extending out the length of the repair job. When I called Budget Direct to tell them that my car was back in the repair shop and that I needed to reinstate my hire car, I was just fobbed off to another department by the hire car team and then put on hold for well over an hour. I still have not had my car fixed and still have not been able to get in contact with anybody to reinstate my hire car booking. So I've been caught up in an accident that was not my fault and have been through nothing but stress ever since. I was with AAMI for several years and found them a much more professional operation. I will be ditching Budget Direct as soon as this mess is sorted out. A true disgrace: you should avoid Budget Direct at all costs.

    Read full review

    This insurance company has been an absolute shoddy, unprofessional disgrace and has caused me incredible (unnecessary) stress. My car was hit by a reckless driver and was subsequently sent to a shoddy panel repairer in Melbourne, who did not repair the car properly. There was still a major problem when I picked the car up, so I was forced to return it for further repairs. Subsequent to this, they had to strip the car all over again and search for the problem over several days. During all of this I tried to contact Budget Direct to get a further hire car booking (which I was entitled to since the accident was not my fault). I've constantly had to call them over and over again to extend my hire car booking as the repairer kept extending out the length of the repair job. When I called Budget Direct to tell them that my car was back in the repair shop and that I needed to reinstate my hire car, I was just fobbed off to another department by the hire car team and then put on hold for well over an hour. I still have not had my car fixed and still have not been able to get in contact with anybody to reinstate my hire car booking. So I've been caught up in an accident that was not my fault and have been through nothing but stress ever since. I was with AAMI for several years and found them a much more professional operation. I will be ditching Budget Direct as soon as this mess is sorted out. A true disgrace: you should avoid Budget Direct at all costs.

    Value for money
    1/10
    Policy coverage
    5/10
    Customer service
    1/10
    Claims handling
    1/10
    Trust
    1/10
    Less
    Craig, Victoria, reviewed 22 days ago
    Budget Direct Comprehensive Car Insurance review
    Overall 1/10
    Worst car insurance company budget direct

    Worst car insurance company I had in my life. Worst insurance guys. I don’t recommend to get this insurance. These guys are doozy .

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    Worst car insurance company I had in my life. Worst insurance guys. I don’t recommend to get this insurance. These guys are doozy .

    Value for money
    1/10
    Policy coverage
    1/10
    Customer service
    1/10
    Claims handling
    1/10
    Trust
    1/10
    Less
    Baltej, Victoria, reviewed 26 days ago

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