Bingle Car Insurance Review April 2021 |

Bingle Car Insurance

Bingle has won multiple awards for having the cheapest and best value car insurance. Are they right for you?

3.6 ★★★★★ (3 reviews)

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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.

Compare quotes for Bingle car insurance

Name Product Accidental Damage Roadside Assistance Fire and Theft New car replacement Hire Car After Theft
Bingle Comprehensive
Optional - If your car is written off in the first 3 years
Optional - Up to $50 a day until your claim is settled
Finder's summary:Bingle consistently comes up as one of the cheaper insurers out there. It only covers the basics, so you don't get to choose your own repairer, you're not covered for personal items in the car and unless you add it as an option, you won't get a hire car if your car is stolen. But this keeps its premiums low.

Who it might be good for: Someone who wants a low-cost option that covers them for the basics.
Bingle Third Party Property Damage

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What makes Bingle car insurance different?

  • 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 car insurance 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.

Comprehensive car insurance

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.

Policy features:

  • 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
  • Easy online claims process
  • Lifetime repair guarantee
  • 21-day cooling-off period
  • Flexible premium payment options

Third party property damage insurance

Policy features

  • Up to $20 million legal liability cover
  • Easy online claims process
  • 21-day cooling-off period
  • Flexible premium payment options

What won't be covered in a comprehensive policy?

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 $2,200 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 Bingle car insurance 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
  • Written statements

How to cancel Bingle car insurance

Bingle allows you to cancel your policy online. You can log in to your Bingle account and cancel there. Once you've logged in, you'll see a screen showing your options and policies. At the bottom of the screen you'll find My policy options. You can cancel your car insurance here.

If you're looking for a new car insurance policy, you can find a new car insurer on our comparison page.

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Some final questions you might have

* - as of August 2017

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6 Responses

    Default Gravatar
    DiegoJuly 31, 2019


    I’d like to know how much Bingle charges for list a new driver or change a driver as well as third party car insurance and comprehensive car insurance, please.

      Avatarfinder Customer Care
      JeniJuly 31, 2019Staff

      Hi Diego,

      Thank you for getting in touch with Finder.

      Kindly click on the get quote button to know charges from Bingle. You may also contact them directly once you’ve been redirected to their official page. Please note that you have reached Finder. We are a general information and comparison website. While we do not represent any company we feature on our pages, we can offer you general advice.

      I hope this helps.

      Thank you and have a wonderful day!


    Default Gravatar
    GeorgeApril 14, 2019

    Looking for a recommendation for a ride share car insurance company.

      Avatarfinder Customer Care
      MaiApril 15, 2019Staff

      Hi George,

      Thank you for reaching out.

      Bingle does offer rideshare insurance. You can click the ‘Get Quote’ button to check on the insurance premium and cover that they can offer based on the details that you will put in.

      Alternatively, you can also check our article on rideshare and Uber car insurance to see other providers that offers rideshare covers.

      Hope this helps.

      Kind Regards,

    Default Gravatar
    SantoshDecember 12, 2017

    Do you have Roadside Assistance policy? Do you have car hire cover policy?

      Avatarfinder Customer Care
      RenchDecember 13, 2017Staff

      Hi Santosh,

      Thanks for your inquiry. Please note that we are not affiliated with Bingle Car Insurance or any company we feature on our site and so we can only offer you general advice.

      If you are referring to Bingle Car Insurance, it doesn’t have cover for roadside assistance. While with their Comprehensive Car Insurance, it has Hire Car cover. Please contact Bingle directly to apply for their insurance and further inquire.

      You may also check this page for car insurances that has roadside assistance.


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