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Bingle Car Insurance Offer

Bingle car insurance

Bingle Car Insurance Offer

Low-cost, straightforward car insurance aimed at safe drivers.

  • Safe drivers can save 24%
  • Option to take out new for old car replacement
  • Optional hire car if you can’t drive your vehicle
  • Fast, simple online claims process
Details Features
Comprehensive
Comprehensive
Low-cost, straightforward car insurance aimed at safe drivers
  • Costs of towing and storage
  • Lifetime guarantee on all repairs
  • Emergency repairs, travel and accommodation
  • Optional zero-excess cover for windscreen and window glass
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Comprehensive
Comprehensive
15% discount for comprehensive policies purchased online
  • New-for-old replacement
  • Trailer damage up to $1,000
  • Up to $500 for personal effects damaged in collision
  • Discounts for restricting policy to drivers of a certain age and over
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Comprehensive
Comprehensive
Buy online and save up to 10%. Price-beat guarantee for drivers aged over 25
  • Essential repairs and towing costs up to $500
  • Loss or damage while your car is in transit
  • Cover can be increased or reduced at any time if your circumstances change
  • Optional extras: roadside assistance, excess-free windscreen cover and hire car
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Comprehensive
Comprehensive
24/7 roadside assistance included in your comprehensive policy
  • Emergency fuel, replacement of flat tyre and battery service
  • Modifications like personalised plates, towbar and tinting covered
  • $1,500 to cover the cost of counselling sessions after a claim
  • Cover for work equipment carried inside vehicle and contents of caravan
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Comprehensive
Comprehensive
Save up to 10% when you buy online (T&Cs apply). Pay by the month at no extra cost.
  • Cover for accidents, fire, storms, theft, and damage to car
  • New car replacement in first 24 months
  • Guarantee on repairs for approved repairers
  • Up to $1000 lock and key replacement cover
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Price Saver (Comprehensive)
Price Saver (Comprehensive)
Save 15% when purchasing online. Eligible customers can receive 5,000 Velocity Frequent Flyer points before 31 December 2017
  • New-for-old replacement
  • Receive an alert by SMS if hail is predicted
  • Personal effects up to $500 after collision and theft
  • Optional 24/7 roadside assistance
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Comprehensive
Comprehensive
Premium product, without the premium price
  • Up to $20m in legal liability cover, plus protection for your car
  • Discount options for low km’s driven
  • New for old car replacement
  • No fees for monthly payments of policy cancellations
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Comprehensive
Comprehensive
Buy online and save up to 10% on your policy
  • $25,000 cover for accidental death
  • $500 cover for emergency repairs
  • Cover for legal costs
  • Temporary cover on replacement vehicle - 14 days
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Comprehensive - Elegant Cover
Comprehensive - Elegant Cover
Save up to 20% when you buy online
  • Up to $500 for personal effects damaged in a collision
  • Cover for modifications and accessories
  • Loss or damage while your car is in transit
  • Option of full reimbursement for replacing windscreen and window glass
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Looking for car insurance but don't know where to start?

Our comprehensive guide will help you make an informed decision.

What is car insurance?

Simply put, car insurance helps you out when you get into sticky situations. An insurance provider will give you coverage in the event of a car accident, theft, or other related incidents. In return, you give them a periodic fee. You can get these types of car insurance in Australia:

Comprehensive car insurance is that best mate that helps you out when you're in trouble. If you want top cover, this is the option for you. It covers theft, vandalism, storms, flood, hail, fire, key replacement, emergency accommodation, hire cars, accidental damage (to name a few) - plus everything that's covered by cheaper policies.

Best for: Those who want peace of mind, knowing that they have the highest cover available.


This gives you that little bit extra cover against life's uncertainties. As the name suggests, this cover type ensures you are protected if your car is stolen, as well as covering you for fire damage. You're also covered if your car causes damage to someone else's property.

Best for: Those who need a bit more cover without the pricetag.


The most basic policy. This provides coverage for any damages you may cause to someone else's vehicle or property. However, it won't cover the expense of repairing damages your vehicle incurs as a result.

Best for: First-time drivers, cheaper cars, and those on a budget.


Commonly known as greenslip insurance, CTP is mandatory for every registered driver in Australia, and is included in your car rego in many states. It offers protection to the driver who is at fault for a motor vehicle accident which led to another person being injured. If you need cover for things like damage to your car, theft, or even a breakdown on the side of the road, you’ll need to look at some of the more comprehensive cover options mentioned on this page.

Best for: Everyone - it's mandatory!


What other types of car insurance can I get?

What will I actually be covered for?

Feature
Comprehensive
Third Party Fire and Theft
Third Party Property Only
Damage to other people's property
  • Yes
  • Yes
  • Yes
Storm or flood
  • Yes
  • No
  • No
Fire
  • Yes
  • Yes
  • No
Theft
  • Yes
  • Yes
  • No
Earthquake
  • Yes
  • Yes
  • No
Emergency accommodation, transport and repairs
  • Yes
  • Yes
  • No
Towing costs
  • Yes
  • Yes
  • No
Hire car
  • Yes
  • Yes
  • No
Replacement of keys
  • Yes
  • No
  • No
Contents inside the car
  • Yes
  • No
  • No
New car replacement
  • Yes
  • No
  • No

What if I want extra cover?

  • Roadside assistance. Roadside assistance is a little like that guardian angel that comes and saves you when you've broken down or have a flat tyre in the middle of the night. It helps you with a wide variety of issues, including breakdowns, locking yourself out of the car, towing, battery jump-starts, and fuel delivery. You can take this out for a little bit extra on top of your existing policy. In some instances, roadside assist is included in your comprehensive cover.
  • Personal effects. This gives you cover for your personal belongings at the time of an accident. Imagine that your shiny new laptop gets damaged when you have a collision. This type of cover will ensure that you're not out of pocket. Be wary of the terms and conditions surrounding this cover. You often won't be covered if your car is broken into and things are stolen.
  • Hire car after an accident. After an accident, your car could be out of action for weeks. If you rely on your car everyday, this could be problematic. Taking out accident hire car cover ensures that you don't have to deal with the unpredictability that comes with not having a car.
  • Windscreen cover. Repairing a windscreen can cost you hundreds of dollars. When you consider the damage that a just small pebble can do, it makes windscreen cover even more ideal. For a few extra pennies, your insurer can cover the costs of this.

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3 Simple Ways To Save On Car Insurance

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7 hacks to cut your premiums

  1. Take advantage of discounts. Look around to see if you can get a loyalty discount or a deal for new customers. Some insurance providers will also provide you with a discount of up to 15% for taking out your policy online.
  2. Pay a higher excess. An excess is the amount you pay when you want to make a claim. If you increase this amount, your insurance company perceives you as less likely to make a claim. This helps bring down the cost of your overall premium.
  3. Restrict certain drivers. Most policies will give you a cheaper premium if you restrict certain drivers from taking your wheels for a spin. Consider restricting drivers like under 25s, seniors, learners, or P-Platers.
  4. Know how your vehicle make and model will affect your premiums. If you haven't purchased a car yet, compare insurance prices for a variety of car models. You might be surprised about how much the car you drive can affect how much car insurance costs you.
  5. Bundle your policies together. If you've already got home insurance, consider sticking with the same provider for your auto insurance. When you group multiple policies together you can benefit from a multi-policy discount which can take a significant chunk out of your car insurance premium.
  6. Keep a clean driving record. Obviously no one goes out of their way to get a fine. But if your driving record and the history of the claims you've lodged are used to determine how much of a risk you pose to the insurance company. The higher the risk level, the more you'll have to pay. Conversely, if you have a good driving record and haven't lodged many claims or none at all, there's a good chance you'll get a better deal on your premiums.
  7. Compare, compare, compare. It pays to do your research. Get multiple quotes from different insurers to compare prices. Don't be fooled by policies that are ridiculously cheap - this can sometimes compromise your cover. Don't be afraid to switch providers in order to get the best deal.

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Looking for a specific type of car insurance?

How to claim if you have an accident

Slow down. Take a breath. If you've been involved in an accident, you might decide to make a claim. To increase the likelihood of the process going smoothly, keep the following tips in mind:

  • Stay at the scene of the accident but don't admit that you were to blame. You should also take down the names, contact information and registration numbers of the other people involved in the accident. You should also get hold of and record the number of the police report, if it applies.
  • Before you make the claim consider all the consequences that might arise as a result. You should also make sure that you're fully aware of any excess obligations you might have. Also check if your insurance company offers a no-claims bonus.
  • When deciding to make a claim, you must give the insurance company all the information pertaining to your accident as clearly and as quickly as possible.
  • Fill out a formal claim form if necessary. If available, provide as many supporting documents as possible and make sure that the insurance company acknowledges that your claim was received. Next, you'll have to answer any questions that are relevant for the assessment of your claim and, to ensure everything goes smoothly and you get an answer as quickly as possible, make sure you stay up to date with how your claim is progressing.

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Learn more, save more

Still not sure? Your questions about car insurance answered

Finding the right cover

Policy information

Purchasing, renewing or cancelling your policy

    What you will/won't be covered for


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      42 Responses

      1. Default Gravatar
        KarenOctober 16, 2017

        Hi I Chaufeur for a WA company & use their vehicles. I have signed a contract stating that in an event of an accident i will have to pâté $1000.00 excess.. I was told that I can reduce the excess if I talk out an insurance cover?
        Q? Could you suggest a which company(s) that would be able to assist me please.

        Thank you

        • Staff
          DanielleOctober 19, 2017Staff

          Hi Karen,

          Thank you for contacting finder. We are a comparison website and general information service, we’re more than happy to offer general advice.

          You may refer to this page for options that may suit your needs. You may review and compare the offers available on the table. Once you have selected one, you may proceed by clicking the green “Go to Site” button.

          I hope this helps.

          Cheers,
          Danielle

      2. Default Gravatar
        nicJune 7, 2017

        I forgot to renew my insurance and now my car has been stolen 3 weeks after my due date. Is there a grace period or something to help the situation or am I simply not covered?

        • Default Gravatar
          JonathanJune 7, 2017

          Hi Nic!

          Thanks for the comment.

          Some insurers may have a cooling off period on their policies and if you take it, they may be able to refund all your premiums but it still means you are not covered.

          You can contact your insurer about their policy on this matter.

          Hope this helps.

          Cheers,
          Jonathan

      3. Default Gravatar
        HannaApril 11, 2016

        I am not able to find any insurer that will insure me because of my claims history- 2 in 2013 and 1 this year. I was suggested to check findaninsurer but have tried 5-6 providers with no luck. Can you suggest any insurance providers that accept customers with previous claims?

        • Staff
          RichardApril 11, 2016Staff

          Hi Hanna,

          Thanks for your question. finder.com.au is a comparison service and we are not permitted to provide our users with personalised financial advice or make product recommendations. I am unaware of any car insurers that specifically offer cover for people with claims history.

          All the best,
          Richard

      4. Default Gravatar
        sarahMarch 23, 2016

        Hi there
        I have lost my policy documents for my car insurance and need to find out whom I am insured with, is there a database that I can use to find out which insurance company I a insured with (talking comprehensive not 3rd party)
        Thanks
        Sarah

        • Staff
          RichardMarch 23, 2016Staff

          Hi Sarah,

          Thanks for your question. I’m not aware of anyone that offers this service. You may wish to review your bank statements to look for direct debits paid to the insurer or check if you have any emails in regards to your policy.

          I hope this was helpful,
          Richard

      5. Default Gravatar
        TjOctober 23, 2015

        What charges are added if you criminal conviction is not car related?

        • Staff
          RichardOctober 23, 2015Staff

          Hi TJ,

          Thanks for your question. A criminal conviction may affect the cost of your insurance. There are no hard and fast rules about how much you’ll be charged, as it can depend on the insurer and the conviction.

          I hope this was helpful,
          Richard

      6. Default Gravatar
        TerriOctober 19, 2015

        Thanks Richard. After a few failures I found one that allows 5 accidents!

      7. Default Gravatar
        TerriOctober 18, 2015

        I’ve had 3 accidents in the last 3 years, and only drive occasionally as my wife does almost all of it. Having trouble getting cover for me. any ideas?

        • Staff
          RichardOctober 19, 2015Staff

          Hi Terri,

          Thanks for your question. finder.com.au is a comparison service and we are not permitted to provide our users with personalised financial advice. Your wife may be able to get cover with you listed as an occasional driver. However, whether you’ll be able to get cover will depend on the acceptance criteria the insurer you choose.

          I hope this was helpful,
          Richard

      8. Default Gravatar
        RoSeptember 2, 2015

        best insurance for 2 cars and motorcycle?

        • Staff
          RichardSeptember 3, 2015Staff

          Hi Ro,

          Thanks for your question. finder.com.au is a comparison service and we are not permitted to provide product recommendations. Looking for car insurance companies that offer bundled or multi-policy discounts is always a good start.

          I hope this was helpful,
          Richard

      9. Default Gravatar
        brookeAugust 28, 2015

        What insurance companies insure a previous drink driver?

        • Staff
          RichardAugust 28, 2015Staff

          Hi Brooke,

          Thanks for your question. Most car insurance companies cover people with previous drink driving convictions. However, if you have a conviction on your record, you can expect to pay more for car insurance than someone without a record for drink driving.

          I hope this was helpful,
          Richard

      10. Default Gravatar
        FlorianAugust 16, 2015

        Can I buy a Third Party Property Car Insurance as a non resident?

        • Staff
          RichardAugust 17, 2015Staff

          Hi Florian,

          Thanks for your question. You can buy car insurance as a non-resident. However, this can vary between providers.

          I hope this was helpful,
          Richard

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