ALDI car insurance was among the top 3 cheapest in Finder's research across 40 providers.
This policy only offers comprehensive car insurance, not third party options for drivers.
Roadside assistance is not included nor available as an optional extra with this cover.
Pros
In our research of 40 providers, ALDI's policy was among the top 3 cheapest.
ALDI offers competitive benefit limits, though there may be other products with higher limits.
ALDI's comprehensive insurance policy covers your car for an agreed value and a variety of policy benefits.
Cons
ALDI only offers comprehensive cover so it's not suitable for those after a third party policy.
It doesn't offer roadside assistance as an inclusion or optional extra.
It does not cover rideshare drivers.
ALDI Comprehensive Car Insurance Overview
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We currently don't have that product, but here are others to consider:
How we picked these
Finder Score for car insurance
We analyse over 30 car insurance products across insurance providers, and rate each one for price and features. We collect up to 36 quotes per product, for male and female drivers in New South Wales, Victoria, Queensland, South Australia, Tasmania and Western Australia. Quotes are collected for 20 year olds, 30 year olds and 60 year olds, assuming an excess of $850 for a 2020 Toyota Corolla 4 door sedan model, with an average 15,000 kms driven each year. While we are not allowed to display actual quotes, our Finder Score aims to serve as an indicative guide to how cost and feature competitive a product might be for you.
Our feature score assesses each product for more than 15 features across loss and damage coverage, repairs and assistance coverage, personal items coverage and policy coverage. Features we assess include but are not limited to legal liability, essential repairs, new car replacement, car hire events, roadside assistance, agreed or market value, windscreen damage and natural disaster coverage.
ALDI provides comprehensive car insurance with the following features and limits:
Agreed value policies. All vehicles are insured for a mutually settled amount that remains fixed until the next policy renewal.
Honey Smart Home discount. A premium reduction is available for policyholders who install and keep a smart home sensor kit operational.
Hire car for theft or no-fault collision. Provides up to $150 per day for a similar-sized hire car following a theft (up to 21 days) or a collision where the driver is not at fault.
Personal property. Includes cover for loss or damage to personal items inside the car up to a limit of $1,500 per incident.
Baby capsules and child seats. Provides up to $1,500 to replace fitted child seats or baby capsules that are stolen or damaged.
Keys and locks. Includes up to $1,500 for the replacement and recoding of keys and locks if they are lost or stolen.
Lifetime repair guarantee. Authorised repairs and workmanship are guaranteed for the duration of ownership by the policyholder or their family.
How much does ALDI car insurance cost?
To help give you an idea about ALDI car insurance costs, we gathered annual quotes across their various policy types. Just remember, prices are going to change based on things like your vehicle make, model and year, where the car is parked, driver's age, claim history and your address, so it's always worth comparing policies and getting a few quotes.
We currently don't have that product, but here are others to consider:
How we picked these
To determine these insurance costs, we sourced comprehensive, third party fire and theft & third party property damage car insurance quotes for a 30-year-old male driver living in postcode 2011 (NSW). The profile used for these quotes assumes a 2020 Toyota Corolla Ascent Sport Direct Shift CVT with an annual mileage of 15,000km. We selected an excess as close to $850 as possible across all providers to ensure a fair comparison. These quotes were obtained in March 2026.
What isn't covered?
Coverage terms and exclusions are outlined in the Product Disclosure Statement. Below are several general exclusions for ALDI car insurance:
Deliberate or intentional acts
Driving under the influence of alcohol or drugs
Refusing a legal test for alcohol or drugs
Unlicensed drivers or those breaching licence conditions
Use of an unsafe or unroadworthy vehicle
Business use, ridesharing, or delivery services
Motor sports, trials, or use on a race track
Mechanical, electrical, or computer breakdowns
Wear and tear, rust, corrosion, or mould
Pre-existing damage or faulty workmanship
Non-standard factory modifications to the engine, body, or suspension
How to make an online claim
Claims for ALDI car insurance can be submitted online at any time through the following steps:
Log in to your account. Visit the ALDI Insurance website and sign in to 'My Account' using your registered email and password.
Provide incident details. Specify the date and time of the event and provide a description of what happened.
Collect third-party information. Include the full name, phone number, residential address, and vehicle registration of any other drivers involved.
Upload supporting documentation. Attach digital photos of the damage to your car and any other vehicles, along with any relevant police incident report numbers.
Pay the excess. Complete the payment for the applicable basic and additional excesses as specified on your certificate of insurance.
Track your progress. Once the claim is lodged and assessed, you can monitor the status of your repairs or settlement directly through the online portal.
Is ALDI Comprehensive Car Insurance good?
"Yes, ALDI's car insurance policy is good. It offers a range of helpful features and has higher benefit limits than many other insurers. It's also priced competitively for all the features it includes. For those who need a comprehensive policy and value higher benefit limits, this policy is worth considering."
ALDI Insurance uses an agreed value rather than market value. This is a fixed amount mutually settled upon by you and the insurer, which remains valid until your next renewal.
You can choose to pay your premium annually or via monthly instalments. Note that paying monthly may result in a higher total premium than paying annually.
Peta Taylor is a publisher at Finder, working across all of insurance. She's been analysing product disclosure statements and publishing articles for over 2 years. Peta is passionate about demystifying complex insurance products to help users make well educated decisions with confidence. Peta is part of Finder's insurance awards team and works alongside editorial and insights experts to bring users the best insurance products every year.
See full bio
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