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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 and has not travelled more than 50,000km 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)
  • Emergency accommodation is only covered for one night

How does Bendigo Bank compare with other car insurers?

Several of Bendigo's core benefits have generous limits, but drivers should expect to pay more than other car insurance providers for the strong cover.

Features

Name Product Choice of repairer New Car Replacement Roadside assistance Hail, storm and flood damage
Bendigo Bank Comprehensive
  • If your car is written off in the first 3 years and has not travelled more than 50,000km
  • Finder's 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.
    Budget Direct Comprehensive
    Optional
  • If your car is written off in the first 2 years or 40,000 km
  • Optional
    Finder's summary: The 2024 winner of our Best Value Car Insurance award. It's cheaper than most, plus you can lower costs by adding age restrictions.

    ⭐ Current offer: 15% off your first year's premium when you take out a policy online. T&Cs apply.

    Who it might be good for: Anyone who wants a good value policy.
    NRMA Comprehensive
    Optional
  • If your car is written off in the first 2 years
  • Optional
    AAMI Comprehensive Car Insurance
  • If your car is written off or stolen in the first 2 years
  • Optional
    Finder's summary: AAMI's comprehensive policy includes cover for legal modifications and accessories and up to $20 million cover for damage to other people's property. Optional extras like windscreen and window glass cover is also available.

    ⭐ Current offers: Save $50 when you buy a new comprehensive car insurance policy online. T&Cs apply.

    Who it might be good for: Safe drivers can benefit from the AAMI Safe Driver Rewards® program.
    Allianz Comprehensive
  • If your car is written off or stolen in the first 2 years
  • Finder’s summary: Allianz is good if you want agreed value (this lets you agree on an amount to cover your car for). For a big insurer, it also has a strong customer service record.

    Who it might be good for: Anyone who wants good customer service and agreed value cover.
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    Price

    Our team got over 1,800 quotes for our Finder car insurance awards and assessed over 30 comprehensive car insurance policies. According to this research, Bendigo Bank car insurance is on the more expensive end of the spectrum - 17% higher than average. There are cheaper car insurance options available.

    These quotes are based on a fictional profile and your cost will differ. Keep in mind, the best car insurance for you may depend on more than just price.

    InsurerNSWQLDSATASVICWAAustralia averageApply
    Bendigo Bank logo$1,788$1,333$1,293$1,330$2,146$1,683$1,595More info
    Budget Direct Logo$1,148$941$978$829$1,180$880$992Get quote
    youi$1,640$1,307$1,087$1,155$1,599$1,363$1,359Get quote
    AAMI$1,884$1,106$1,015$985$1,318$1,002$1,218More info
    NRMA logo$2,027$1,154$1,038$1,004N/A$1,034$1,043More info

    About our car insurance methodology

    Compare Bendigo Bank's policies

    Name Product Accidental damage Roadside assistance Fire and theft New Car Replacement Hire car after theft
    Bendigo Bank Comprehensive
  • If your car is written off in the first 3 years and has not travelled more than 50,000km
  • Up to $100 per day - Up to 21 days
  • Finder's 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.
    Bendigo Bank Third Party Property Damage
  • Bendigo Bank’s most basic plan also comes with $30m in liability cover and up to $5,000 in cover for uninsured motorists.
    Bendigo Bank Third Party Fire and Theft
  • 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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    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.
    • One at-fault claim protection - Protect your No Claim Bonus for one at-fault claim during your period of insurance.
    • All at-fault claims protection - Protect your No Claim Bonus for all at-fault claims during your period of 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.

        AvatarFinder
        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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