Bupa
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Bupa car insurance review

Bupa comprehensive car insurance doesn’t offer particularly strong benefits yet its policies are more expensive than many other brands.

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Our verdict

Pros

  • Bupa Health Insurance and Bupa Ultimate Health Insurance members may be eligible for discounts on their premium. Check Bupa's website to see the latest offer.
  • With an Australian-based customer care service and a 24/7 emergency phone line, you can get support whenever you need it.
  • If Bupa's Comprehensive cover isn't enough, you can upgrade to 'Ultimate Cover' for extra perks. (However, you will have to pay more).

Cons

  • We compared 37 comprehensive car insurance policies. On average, 22 brands offered cheaper comprehensive car insurance than Bupa.
  • Bupa's product disclosure statement includes vague terminology like 'reasonable costs'. This makes it difficult to know exactly what exactly you're covered for.
  • If you want your own choice of repairer, you'll have to upgrade to 'Ultimate Cover' and pay a higher premium.

How does Bupa compare with other car insurers?

In the 2023 Finder Car Insurance Awards, we compared 37 car insurance policies, 640 features, and requested over 1,000 comprehensive quotes - this included Bupa. Overall, we found Bupa Comprehensive car insurance to have average cover with a higher price tag.

Features

Name Product Choice of repairer New Car Replacement Roadside assistance Hail, storm and flood damage
Bupa Comprehensive
  • If your car is written off in the first 2 years
  • Optional
    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.
    Youi Comprehensive
    Optional
  • If your car is written off or stolen in the first 2 years
  • Finder's summary: The 2023 winner of our Best Features Car Insurance award. Plus, it's one of the only insurers to automatically include roadside assistance.

    Who it might be good for: Those who want good customer service with lots of inclusions.
    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.
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    Price

    In comparison to other popular insurers, Bupa was typically more expensive with multiple cheaper car insurance providers.
    As the cost of car insurance is calculated based on your specific details, quotes will vary. The below is for comprehensive policies only.

    InsurerNSWQLDSATASVICWAAustralia averageApply
    Bupa$1,659$1,225$1,249$1,099$1,794$1,209$1,372More info
    youi$1,418$1,147$946$877$1,467$1,068$1,154Get quote
    Budget Direct Logo$1,280$921$940$861$1,164$857$1,004Get quote
    NRMA logo$1,972$1,108$1,009$878N/A$1,052$1,204More info
    AAMI$1,533$912$874$811$1,054$816$1,000More info

    About our car insurance methodology

    What additional cover options are available?

    The ability to add extra cover options can help you craft the best car insurance policy for your needs. Keep in mind, limits apply to all of these additional cover options. Be sure to read the product disclosure statement.

    • Pay as you drive. If you drive less than 15,000 km a year, you could get cheaper cover.
    • Hire car cover. Get cover for the cost of a hire car if your insured car is stolen or damaged.
    • Excess-free windscreen cover. Bupa will pay for the cost of repairing or replacing your windscreen if it's broken or damaged.
    • Excess-free kangaroo damage cover. If your car is damaged in an accidental animal collision, Bupa will waive the excess.
    • Sports gear cover. Bupa will pay up to $3,000 for sports gear stored in your car if it's damaged or stolen.
    • Roadside emergency assist. Access to 24/7 roadside assistance and an Australian-based emergency support helpline.
    • Bupa Ultimate. Upgrade your policy to Bupa Ultimate to choose your own repairer in the event of an accident and to increase your claimable amounts.

    Why you can trust Finder's car insurance experts

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    We're free

    You pay the same as buying directly from the car insurer. Better still, we regularly run exclusive deals that you won't find on any other site – plus, our tables make it easy to compare policies.
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    We're experts

    Our team of car insurance experts have researched and rated dozens of policies as part of our Finder Awards and published 330+ guides to make it easier for you to compare.
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    We're independent

    Unlike other comparison sites, we're not owned by an insurer. That means our opinions are our own and we work with lots of car insurance brands, making it easier for you to find a good deal.
    help

    We're here to help

    Since 2014, we've helped 300,000+ people find car insurance by explaining your cover options, simply and clearly. We'll never ask for your number or email. We're here to help you make a decision.

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