Bendigo Bank car insurance review

Bendigo’s comprehensive cover costs 17% more than average, but many benefit limits are generous compared to other brands.

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Bendigo Bank

Our verdict

Pros

  • Pay monthly at no extra cost
  • Choice of repairer included as standard
  • If your car is written off in the first 3 years, then you'll be eligible for a car replacement

Cons

  • Finder cost research shows Bendigo comprehensive cover is 17% higher than average
  • Cover is particularly expensive for young drivers (50% higher than average)

How does Bendigo Bank compare with other car insurers?

We obtained quotes across a range of providers for a 30 year old male based in NSW.

5 of 5 results
Sample quote
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$1,117.48
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Bendigo Bank logo
Sample quote
$2,136.17
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NRMA logo
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$2,166.09
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AAMI logo
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$2,075.50
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Allianz logo
Sample quote
$1,917.48
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Compare Bendigo Bank's policies

Finder Score Accidental damage Roadside assistance Fire and theft New Vehicle Replacement Hire car after theft
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  • If your car is written off in the first 3 years
  • Up to $100 per day - Up to 21 days
  • Summary: On top of the essentials, cover includes a nationwide repair network, 3-year new car replacement and up to $30m in liability insurance.

    Who it might be good for: Those wanting peace of mind with lots of benefits.
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  • If your car is written off in the first 3 years
  • Up to $100 per day - Up to $3,000
  • Summary: The Bendigo Bank Comprehensive Plus policy delivers with its extensive cover. Hire vehicle and excess free glass extension are also automatically included in this policy.

    Who it might be good for: This policy is best suited for drivers after the highest level of protection.
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  • Up to $100 per day - Up to 21 days
  • Get up to $30m in liability cover, $5,000 in protection against uninsured drivers, towing costs and more with Bendigo Bank’s midweight policy.
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  • Bendigo Bank’s most basic plan also comes with $30m in liability cover and up to $5,000 in cover for uninsured motorists.
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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. We use your responses to our quiz to pair you with the closest price profile and while we are not allowed to display actual quotes, our price score aims to serve as an indicative guide to how cost 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.

    Depending on your answers to our car insurance quiz, we upweight the relevant price score or feature score to generate a dynamic Finder Score (80% weighting on the primary selection between Price or Feature). Finder Score, Price Score and Feature Score are only to be used as indicative guides and are not product recommendations.

    Read the full methodology

    What additional cover options are available?

    • Hire car costs after an incident - Bendigo will cover the costs of a hire car after any insured event, Up to $100 per day - Up to 21 days.
    • Windscreen extension - Repair or replace your windscreen or window glass without affecting your No Claim Bonus or paying an excess. Limited to one claim per year.

    FAQs

    Sources

    Nicola Middlemiss's headshot
    Journalist

    Nicola Middlemiss is a journalist with nearly a decade of experience in personal finance and insurance. She has contributed to Domain, Yahoo Finance, Money Magazine and Insurance Business Australia, offering in-depth insights into commercial insurance in the Australian market. Nicola holds a Bachelor’s degree in English from the University of Leeds and a Tier 1 General Insurance (General Advice) certification, which complies with ASIC standards. See full bio

    Nicola's expertise
    Nicola has written 257 Finder guides across topics including:
    • Personal finance
    • Personal insurance, including car, health, home, life, pet and travel insurance
    • Commercial business insurance

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    2 Responses

      Default Gravatar
      GrahamJanuary 15, 2024

      Hi, I have a 2002 Hilux tray back diesel, ute in good-very good condition,serviced and maintained
      with less than 200K . My question is can I get comprehensive cover or other? It is used mainly for private use but is also used commercially for part time work. Would like your thoughts.

        Peta Taylor's headshotFinder
        PetaJanuary 15, 2024Finder

        Hi Graham, I’d suggest getting quotes from a few different providers to see if they’ll cover you. Without knowing your personal circumstances it’s hard to say who will or won’t offer you cover. You’ll be able to get a more definitive answer from the actual insurer though. Hope this helps.

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