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bingle go Car Insurance

With no-lock-in contracts and money off when you commute by public transport, bike or foot, bingle go is doing car insurance differently. Is it right for you?

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bingle go is a new type of car insurance designed for Australians who don't use their car for everyday travel. If you commute to work by train, cycle to your Pilates class or only use your car on weekends, bingle go can reward you with up to 20% off your monthly premiums. To make things easier, it's all done on the bingle go app and having a no-lock-in contract means you can leave when you want.

What kind of cover does bingle go offer?

bingle go offers a policy that combines comprehensive car insurance (referred to as +car) with extra cover (referred to as go) for when you use alternative modes of transport as well, such as a train, bus or bicycle. It's designed for anyone who doesn't solely use their car for getting around on a day-to-day basis. Here are some of the main benefits of a bingle go policy you won't find with other insurers.

  • Money off your premiums for not using your car. Whenever you don't use your car for transport and instead use public transport or your bike, the bingle go app takes note and applies a bonus to next month's premium. Overall, you can save up to 20% off your monthly premiums.
  • Monthly subscription. Unlike lots of car insurance providers, there are no lock-in contracts with bingle go. It works more like your Netflix subscription; it renews automatically each month but you can cancel whenever you like.
  • Accidental loss or damage to your personal valuables while commuting. This is another helpful perk you won't find elsewhere. If personal valuables like your mobile phone or laptop are accidentally lost or damaged while you commute on transport other than your car, bingle go will reimburse you for up to 90% of the amount you've paid to repair or replace your personal valuables.
  • Australian hire car excess cover. If you need to pay an excess or a damage-liability fee due to an accident or incident that occurred while you were using a hire car, bingle go can reimburse you for 90% of the amount you've paid, up to $5,000 in total per incident.
  • Car excess for when you're at fault. If you're involved in an accident where you were legally driving another person's car and you're at fault, you can get reimbursed for up to 90% of the excess you have to pay (up to $5,000 in total per incident).
  • Legal liability for commuting. With bingle go, you'll get liability cover while commuting using a bicycle (or other mobility device like a scooter, skateboard or wheelchair) or on foot for up to $10,000.

Comprehensive car insurance cover

On top of these benefits, you'll also get all the perks of comprehensive car insurance, including cover for the following:

  • Accidental loss or damage to your car, including theft, driving accidents and weather events.
  • Liability cover for up to $20 million if you accidentally damage someone else's car or property with your car and need to pay legal fees and repairs.
  • Towing and storage costs if your car breaks down.
  • Emergency travel, accommodation and repairs when your car is stolen or damaged by an insured event.
  • Optional extras like glass cover (for damaged windscreens etc) and hire car are also available.

What does bingle go not cover you for?

All policies have things that you won't be covered for. Here are some of the specific exclusions with bingle go car insurance.

For personal belongings cover, you won't be covered for the following

  • Cash, smartcards, phone cards, vouchers, documents you can cash or trade, or tickets
  • Consumable items
  • Items worth less than $100
  • Clothing or footwear
  • Valuables that are not owned by you
  • Any additional costs associated with upgrading to a newer model of the lost or damaged item
  • Corrupted, lost or damaged electronic data
  • Mechanical or electrical failure or breakdown
  • Any consequential loss

For liability cover while commuting, you won't be covered for the following:

  • Damage to your own property or injury to you or any other person
  • Any case where the method of transport you're using is prohibited
  • Consuming alcohol or drugs over the legal limit
  • Using transport where the engine capacity exceeds the legal limit for that state

For loss or damage, you won't be covered for the following:

  • General wear and tear
  • Mechanical or electrical breakdown
  • Using the incorrect type of fuel
  • Replacement of undamaged parts
  • Loss or damage if you allow your car to be driven after an incident of loss or damage unless the insurer agrees you could not have known it could lead to more loss or damage.

Remember that this is not the full list of exclusions. For more information on what you aren't covered for, always read the product disclosure statement (PDS).

How does the bingle go app work?

The bingle go app uses integrated telematics technology to detect your mode of travel. That means it knows if you're using the bus, train, cycling or walking as opposed to the car. In other words, you don't need to tell it every time you don't use your car. It calculates it for you and adds it to your monthly bonus.

To make sure you can take advantage of the savings, you'll need to have your "Location Services" and "Motion & Fitness Data" on at all times or you can't get covered.

How to make a claim

You can use the bingle go app to do everything related to your car insurance policy, including making a claim. If you need to make a claim, select the "hi" icon in the app footer and then click "make a claim". It should then take you step by step through the claims process. You should be able to upload any relevant documents straight to the app, including proof that the incidence took place, evidence of loss or damage, costs for repairs and proof of ownership.

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