If you’re looking for simple, hassle-free car insurance, Bingle offers a range of policies designed with you in mind. Bingle is an online insurer that aims to provide affordable, easy-to-understand cover for your set of wheels. It also offers sizeable savings to claims-free drivers and a fast online claims service if you ever need to make a claim.
To top it off, they've also won a bunch of awards for their value. Read on to discover if they're right for you.
Finder's 3 favourite features
At the time of writing, Bingle have a review score of 4.6 stars out of 5 from real customers on their site.
If your car can't be driven after an accident, you can choose the 'Keep Mobile' optional extra to get a hire car until your claim is settled.
They only operate online. Bingle does almost everything online. Having no big call centres or branches to support helps keep their premiums low.
They keep their insurance simple. Bingle don't insure modified cars and only offer simple comprehensive and third party property damage insurance. This also helps keeps premiums low.
What cover options does Bingle offer?
Bingle has two cover options up for grabs. Their Third Party Property Damage policy covers you if you cause damage to someone else's property. Their Comprehensive policy covers you for this plus fire, theft and malicious damage, as well as a bunch of other added benefits.
Their Comprehensive policy covers you for this plus fire, theft and malicious damage, as well as a bunch of other added benefits.
Bingle do not offer a third party fire and theft policy, so if you want this cover you'll need to take out a comprehensive policy.
Bingle’s comprehensive car insurance covers accidental loss or damage to your car caused by accidents, storm, hail, fire, theft and malicious damage. This includes cover for towing and storage costs as well as emergency accommodation and repairs. You will also have $20 million of legal liability cover if you’re responsible for accidental damage to someone else’s car or property.
Covers loss or damage caused by accidents, nature, theft, malicious damage and more
Towing and storage costs
Emergency travel, accommodation and repairs
Optional windscreen and window glass only
Optional replacement vehicle cover
Up to $20 million legal liability cover for damage to people's vehicles and properties caused by the use of your car
Bingle will not pay your car insurance claim for the following reasons:
If it is for general wear and tear of your car, including mould, rust, corrosion or depreciation.
If it is for mechanical or electrical breakdown or failure.
If it is for loss or damage caused when you used the incorrect type of fuel.
If it is for the replacement of undamaged parts.
If it is for loss or damage that occurred by allowing your car to be driven after an incident of loss or damage (unless you couldn’t have known that this would lead to further loss or damage).
If it is due to an incident that occurred when you were driving without an appropriate licence.
If it is for legal liability caused by someone you didn’t allow to use your car.
If your car was being used for unlawful purposes or beyond its design specifications.
If your car was not roadworthy when the incident occurred.
If your car was involved in a race or motorsport of any kind.
If your car was being used for hire or monetary reward (this does not include carpooling).
If it is for intentional loss or damage by you, someone you allowed to use your car, or someone acting with your consent.
If it is caused by a reckless act, for example, a burnout or street racing.
If it is caused by looting, rioting, war or terrorism.
If you, or someone you allow to use your car, were driving under the influence of alcohol or drugs.
If you fail to take reasonable precautions to prevent loss, damage or liability.
If it is for an incident that occurred outside Australia.
Exclusions for third party policies
The exclusions for third party policies differs slightly to those of a comprehensive policy. This is because a third party policy will only cover you for third party damage only, and won't actually pay out anything in relation to your own car.
What excess will be charged?
When you make a claim on your Bingle car insurance policy, you may need to pay an excess to contribute to the cost of the claim. There are three excesses you need to be aware of:
Standard excess. The standard excess applies to all claims unless otherwise stated in the PDS, and it ranges from $650 to $795 depending on where you live.
Age excess. The age excess is payable when the driver using your car at the time of an incident is under 25 years of age. The excess amount is $600 and you must pay this in addition to the standard excess.
Unlisted household member or unlisted regular driver excess. This applies if the driver at the time of an incident is a household member or a regular driver of your vehicle, but is not a listed driver on your policy. This excess is $1,950.
How can I save on my policy?
There are several steps you can take to help lower the cost of your Bingle car insurance premium.
Paying annually. You can pay your Bingle car insurance premiums in one annual lump sum or through regular instalments. However, if you pay by instalments, the total cost of cover is more than if you pay annually.
Limiting your options. Your premiums will increase if you add optional extras such as windscreen or Keep Mobile cover to your Bingle policy.
Driving safely. Drivers with a claims-free history and no traffic infringements on their driving record can enjoy cheaper premiums.
Driving less. The distance your car covers each year is one of the factors used when calculating your premium.
Making a claim
You can apply for a claim online. You’ll need to provide full details of the incident that causes your claim. The insurer may also request a range of supporting information, including the following:
A police incident number or report
The contact details of anyone else involved in the incident
Information and photos detailing the loss, damage or liability
Proof of ownership or value of your car
Proof of costs you have incurred
Some final questions you might have
No, there are no discounts available. Instead, Bingle promises to provide its cheapest premium to you up front.
No, Bingle chooses a repairer from its own panel of licensed repairers.
Yes, Bingle provides a lifetime guarantee on all repairs.
Yes, Bingle offers 14 days of automatic cover for your replacement car. You will then need to arrange ongoing cover for your new car.
Bingle car insurance is issued by AAI Limited, which is part of the Suncorp Group.
No, Bingle does not offer this type of cover to customers.
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