Bendigo Bank Car Insurance

Choose from 3 types of car insurance with additional cover from Bendigo Bank.

If you’re looking for competitive and affordable insurance for your car, Bendigo Bank Car Insurance is well worth a look. Issued by CGU Insurance, Bendigo Bank’s policies provide protection for your set of wheels against a wide range of events, while there are three levels of cover available to suit different Australian drivers. Each policy is backed by an easy claims process and offers a number of flexible benefits to policyholders.

Bendigo Bank Car Insurance cover options

  • Comprehensive. Bendigo Bank’s most popular car insurance option, Comprehensive Car Insurance covers accidental damage as well as loss or damage caused by fire, storm, flood, theft, attempted theft and vandalism. New car replacement is available for vehicles up to three years old, while $30 million of legal liability cover is available for when you cause accidental damage to someone else’s vehicle or property.
  • Third Party Fire and Theft. Bendigo Bank’s Third Party Fire and Theft Car Insurance is designed to provide cover for loss or damage to your vehicle caused by fire or theft. Legal liability cover of $30 million is also included, along with $5,000 uninsured motorist damage, hire car after theft, and the cost of emergency or temporary repairs.
  • Third Party Property Damage. The most affordable policy available from Bendigo Bank, Third Party Property Damage Car Insurance is designed to provide peace of mind if you damage someone else’s property or vehicle while driving. It does this by offering up to $30 million legal liability cover, while uninsured motorist damage is also covered to the tune of $5,000.

Bendigo Bank Car Insurance levels of cover


  • Cover for accidental damage, storm, flood, fire, theft and vandalism
  • New car replacement for vehicles up to three years old
  • $30 million legal liability cover
  • Full cover for uninsured motorist damage
  • Earned no-claim bonus protection
  • Hire car after theft
  • Cover for baby capsules and child seats
  • Optional hire car after accident and excess-free windscreen cover
  • Flexible premium payment options
  • 21-day money-back guarantee

Third Party Fire and Theft.

  • $30 million legal liability cover
  • Cover for loss or damage caused by fire, theft and attempted theft
  • Hire car after theft
  • $5,000 cover for uninsured motorist damage
  • Emergency or temporary repairs
  • Towing or transport of your vehicle
  • Recoding of locks and barrels after theft of keys
  • Flexible premium payment options
  • 21-day money-back guarantee

Third Party Property Damage.

General exclusions

There are certain situations and events that your Bendigo Bank Car Insurance policy will not cover. Your claim will not be paid if:

Bendigo Bank Car Insurance excess

When you make a claim on your policy you may need to pay an excess, which is the amount you contribute towards the overall cost of a claim. The insurer will tell if you need to pay an excess, and there are four types of excess that may apply:

  • Basic excess. This excess amount varies depending on the make and model of your vehicle, and the state or territory where you drive your vehicle.
  • Age excess. The age excess applies when the driver of your vehicle at the time of an incident is less than 25 years old.
  • Inexperienced driver’s excess. This excess applies when the driver of your vehicle is 25 years of age or older but has not held a driver’s licence for the two consecutive years leading up to your claim.
  • Additional excess. The additional excess applies when the insurer has agreed to cover your vehicle, or any person authorised to drive your vehicle, under special terms.

How to save on your Bendigo Bank Car Insurance policy

Keep the following tips in mind if you’re looking for ways to save money on your Bendigo Bank Car Insurance premiums:

  • No-claim bonus. You can receive a discount on your premium for each year you do not make an at-fault claim on your policy.
  • Choose a lower level of cover. Comprehensive cover is the most expensive option, while Third Party Fire and Theft Car Insurance is more affordable and Third Party Property Damage cover is cheaper again.
  • Choose a Nominated Driver policy. You have the option to restrict cover to no more than two nominated drivers who are over the age of 25. This can help lower your premium amount.
  • Choose a Nominated Driver Low Kilometre policy. Under this type of policy, your premium is calculated on the basis that your car will be driven by no more than two nominated drivers who are over the age of 25, and that your car will not be driven any more than 10,000 kilometres during the period of insurance.

Making a claim

You can make a claim on your Bendigo Bank Car Insurance policy in one of two ways:

  • Phone. You can phone CGU on 132 480. The line is open 24 hours a day.
  • Online. You can submit your claim using CGU’s online claims service.

A claims consultant will guide you through the process and let you know what information you will need to provide to support your claim. You will usually need to supply:

  • Your policy number
  • Your personal details
  • A description of the incident leading to your claim
  • The date of the loss or incident
  • Where the loss or incident occurred
  • Details of other parties involved (if applicable), such as witnesses or the drivers of other vehicles

Your claims consultant will keep you informed of the progress of your claim along the way, and CGU aims to process all claims as quickly as possible.


Is there a cooling-off period?

Yes, a 21-day cooling-off period applies to Bendigo Bank Car Insurance, so you can cancel your policy within this time and receive a full refund.

What happens when I lodge a claim?

You will be assigned a claims consultant who can guide you through the claims process, let you know the next steps and answer any questions you may have. You will also be given a personal claim number to help you track the progress of your claim.

Can I choose my own repairer?

Yes, you have the freedom to choose your own repairer if you wish.

When is new car replacement available on Bendigo Bank Comprehensive Car Insurance?

New car replacement is provided when your car is a total loss, is less than three years old, and has travelled less than 50,000km.

Are there any optional covers available?

Yes. The following optional covers can be added to Comprehensive Cover for an additional cost:

  • Hire car costs after an incident
  • Windscreen extension
  • One at-fault claim protection
  • All at-fault claims protection

Bendigo Bank Car Insurance offers a competitive range of benefits to suit the needs of a variety of Australian drivers. However, before deciding whether a Bendigo Bank policy is right for you, compare it with cover options from a range of other vehicle insurers.

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