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 quotes - this included Bupa. Overall, we found Bupa Comprehensive car insurance to have average cover with a higher price tag.

Features

1 - 5 of 5
Name Product Choice of repairer New car replacement Roadside assistance Hail, storm and flood damage
Bupa Comprehensive
Yes - If your car is written off in the first 2 years
Optional
Budget Direct Comprehensive
Optional
Yes - If your car is written off in the first 2 years and has not travelled more than 40,000km
Optional
Finder's summary: The 2023 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
Yes - 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
Yes - If your car is written off in the first 2 years
Optional
AAMI Comprehensive Car Insurance
Yes - 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

This pricing table was created using averages from six different driver profiles. 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?

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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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.
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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.

FAQs

  1. Bupa car insurance PDS (accessed November 2023)
  2. Finder Car Insurance Awards 2023

More guides on Finder

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