ALDI car insurance review

ALDI car insurance offers comprehensive car insurance with really solid benefit limits.

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By

Peta Taylor

Edited by

Sarah Megginson

Updated

Fact checked
ALDI

Key takeaways

  • In Finder's research of over 30 car insurance products, ALDI's policy was competitively priced for price and features.
  • 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

Finder Score Accidental damage Roadside assistance Fire and theft New Vehicle Replacement Hire car after theft
ALDI logo
8.7 Great
ALDI Comprehensive
8.7 Great
  • If your car is less than 2 years old and written off
  • Up to $150 per day - Up to 21 days
    • Summary: ALDI's comprehensive insurance policy covers your car for an agreed value and a variety of policy benefits.

    Who it might be good for: Ideal for those seeking competitive coverage limits, though other products may have higher limits.
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    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.

    Read the full methodology

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    Why choose ALDI car insurance?

    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.

    1 of 1 result
    Updated regularly
    Comprehensive annual quote Third party fire & theft annual quote Third party property damage annual quote
    ALDI logo
    8.7 Great
    ALDI Comprehensive
    $2,020.89
    N/A
    N/A
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    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:

    1. Log in to your account. Visit the ALDI Insurance website and sign in to 'My Account' using your registered email and password.
    2. Provide incident details. Specify the date and time of the event and provide a description of what happened.
    3. Collect third-party information. Include the full name, phone number, residential address, and vehicle registration of any other drivers involved.
    4. Upload supporting documentation. Attach digital photos of the damage to your car and any other vehicles, along with any relevant police incident report numbers.
    5. Pay the excess. Complete the payment for the applicable basic and additional excesses as specified on your certificate of insurance.
    6. 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?

    Peta Taylor's headshot

    "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."

    Publisher of Insurance

    FAQs about ALDI car insurance

    Sarah Megginson's headshot
    To make sure you get accurate and helpful information, this guide has been edited by Sarah Megginson as part of our fact-checking process.
    Peta Taylor's headshot
    Written by

    Publisher of Insurance
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    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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