Comprehensive Car Insurance

For drivers that don’t want to leave things to chance, comprehensive car insurance is for you.

From a 6-car pileup on the motorway to a rogue shopping trolley in the carpark, comprehensive insurance provides the highest level of protection available. It’s designed to cover your car, other people’s cars as well as other people’s property when the unexpected happens.


Featuring Bingle Car Insurance

Low-cost car insurance aimed at safe drivers.

  • 41% of people pay $1.60 or less a day
  • Up to 24% off for safe drivers
  • Optional new-for-old car replacement
  • Hire car option if you can’t drive your vehicle
Promoted

Get the ultimate cover for your ride from only $2.50 a day*

Name Product New Car Replacement Pay monthly at no extra cost Choice of repairer Roadside Assistance Hire car after theft Personal effects
Optional - If your car is written off in the first 3 years
No
No
No
Optional - Up to $50 a day until your claim is settled
$0
Save 24% on your policy if you've been claim free for 3 years.
Yes - If your car is written off in the first 2 years or is under 40,000 km
No
Yes
Optional
Yes - Up to $1,000 (Max 14 days)
$250
Buy online and save 15%.
Yes - If your car is written off or stolen in the first 2 years
No
Yes
Yes
Yes - Reasonable costs (Max 14 days)
$750
Emergency roadside assistance included in Comprehensive policies.
Yes - If your car is written off in the first 2 years
No
No
Optional
Yes - Up to $70 per day (Max 14 days)
$500
Save up to 10% when you buy online.
Yes - If your car is written off in the first 2 years or is under 40,000 km
No
Yes
Optional
Yes - Up to $1,000 (Max 14 days)
$500
Save 15% when purchasing online. Eligible customers can earn up to 20,000 Velocity Frequent Flyer Points when purchasing a new policy by 31 Oct 2018. Excludes NT. Min 6mths policy & T&CS apply.
Yes - If your car is written off in the first 2 years
Yes
No
No
Yes - Up to $70 per day (Max 14 days)
$500
Transforms your driving so it's 100% carbon neutral.
Yes - If your car is written off in the first 2 years
Yes
Yes
No
Yes - Up to $100 per day (Max 30 days)
$1,000
Buy online and save up to 10% on your policy.
Yes - If your car is written off in the first year or is under 20,000 km
No
No
Optional
Optional - Up to $60 per day (Max 14 days)
$500
Save up to 20% on car insurance when you purchase cover online.

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What does comprehensive car insurance cover you for?

You may be asking yourself, 'What is comprehensive car insurance and what does it cover?' Comprehensive car insurance covers loss or damage to your own vehicle and your legal liability to a third party for loss or damage to their vehicle or property. A typical comprehensive car insurance policy covers your vehicle against the following:

  • Flood, hail or storm damage
  • Malicious acts
  • Fire and theft
  • Accident or collision
  • Damage to third party property.

What extra cover should I consider?

Most comprehensive policies also include a range of extras, or have them as options:

  • Cover for belongings inside the car
  • Roadside assistance
  • Towing and storage costs
  • Emergency travel, accommodation and repairs
  • New for old
  • Use of hire car
  • Windscreen replacement
  • Replacement car cover
  • Legal liability cover
  • Lock and key replacement

Cover is usually dependent on the vehicle being used by a nominated driver(s) for private and occasional business use only and never for commercial use or driving tuition.

How much does comprehensive car insurance cost?

How much your insurance will cost depends on a variety of factors and finding the right comprehensive car insurance for you takes time. Insurers determine your level of risk and the premium you pay by looking at various indicators. So, how much does comprehensive car insurance cost? It depends on you and your car.

The following can affect your car insurance premiums:

  • Driving history. If you have a driving record full of parking and speeding infringements, it will have a negative impact on your insurance.
  • Claim history. Insurers rate drivers on a scale of one to six, with one being the highest rating. This is referred to as the no claims discount, the longer you go without making a claim, the lower your premiums.
  • The type of car you drive. The type of vehicle you drive does impact your premiums. For example a sports car costs more to insure than a station-wagon.
  • Your age. Practice makes perfect, which is why younger drivers pay higher premiums. Similarly, seniors can also expect to pay more as they're deemed to be of higher risk.
  • Where you park. If your car is kept in a secure location (e.g. a garage) you can expect to pay less than someone who parks their car on the street.
  • What you use your vehicle for. What the vehicle is used for will impact the premiums. Business car insurance generally costs more. Vehicles such as taxis that are on the road all the time attract higher insurance premiums.

What is excess and why do I need it?

An excess is the amount you must pay towards a claim. Most comprehensive car insurance policies let you choose the amount of excess. The more you choose, the less your premium will be. However, it is important to ensure when opting for a higher excess that you will have sufficient funds on hand to pay it if required.

As the cost of repairs resulting from minor accidents is often less than $1,000, many people opt for an excess around this level, so they do not have to claim on their insurance and jeopardise their rating.

The three main types of excesses are the standard, or basic, excess, which is an amount agreed to when you take out the policy and which you have to pay when making a claim, an age excess which usually applies to less experienced drivers under the age of 25, and a special excess which may be applied to some drivers in relation to a specific past incident. You may be able to choose your standard excess level which makes a big difference to premiums.

What other types of cover can I get?

Comprehensive car insurance is designed to cover any and all vehicle and property damage, even if it was found to be your fault. In other words, it combines standard car insurance with third party property insurance. The main types of car insurance are as follows:

Car insurance comparison

Cover Comprehensive CTP TPPD TPPD F&T
Agreed value cover
  • Yes*
  • No
  • No
  • No
At-fault damage to other vehicles
  • Yes
  • No
  • Yes
  • Yes
At-fault damage to own vehicle
  • Yes
  • No
  • No
  • No
Compulsory
  • No
  • Yes
  • No
  • No
Fire
  • Yes
  • No
  • No
  • Yes
No claim bonus protection
  • Yes*
  • No
  • No
  • No
Not at-fault damage to own vehicle
  • Yes
  • No
  • Limited
  • Limited
Theft
  • Yes
  • No
  • No
  • Yes
Third party personal injury
  • No
  • Yes
  • No
  • No
Valuables protection
  • Yes*
  • No
  • No
  • No
Windscreen cover
  • Yes*
  • No
  • No
  • No

*Cover varies depending on provider

Should I get third party or comprehensive insurance?

Which is the best* car insurance for me? It's a common question but a tough one to answer. Everyone’s needs and ideas about the best car insurance are different.

For example, one driver may be after the car insurance for under 25 drivers, while another is after comprehensive car insurance for seniors. One driver may want low priced cover against common risks, while another wants to pay more for complete peace of mind. It is these differences in needs that will determine the best* policy for you.

Another question is whether third party or comprehensive insurance better for your needs.

  • Third party car insurance covers you for damage your vehicle causes to other people's vehicles or property. It generally does not cover you for theft of or damage to your own vehicle. It costs less than comprehensive car insurance, but offers little to no protection for your own vehicle. This is a good choice if you’re driving an older or less valuable car. It covers you from the most potentially expensive risks, but doesn’t extend unnecessary levels of protection to your own vehicle.
  • Comprehensive car insurance covers you for third party damage and for damage to your own vehicle. It also covers you for fire, theft and any other dangers named in the insurance policy. Most also offer a range of other benefits such as towing, windscreen replacement and much more. This is a good choice for people with more expensive cars, or one they’re still making payments on, who want the highest level of cover available. Some car loans may require you to take out comprehensive car insurance.

How can I pay less for car insurance?

Despite the higher cost of comprehensive car insurance, there are ways to reduce your premiums and make it more affordable. Ensure that when you look at a policy you consider:

  • Shop around. Not all insurers charge the same, so look for a good deal. Compare both prices and benefits offered to find a policy option that fits your needs and budget.
  • Increasing your excess. Increasing your excess can ensure that your premiums stay lower.
  • Looking for no-claim bonus discounts. These can save you as much as 70% on your premiums.
  • Restricting usage to nominated drivers. Some insurers provide a discount if only you and your spouse drive the vehicle.
  • Bundling your insurance. If you have other forms of insurance, you may be eligible for a discount if you add car insurance as well. Look for multi-policy discounts.
  • Making your vehicle safer. Having a car alarm or immobiliser may earn you a discount from your insurer.
  • Driving a smaller car. A car with less engine capacity costs less to insure than a bigger, more powerful model.
  • Looking for an insurer who differentiates. Some comprehensive car insurers take into consideration how often you use your vehicle and reward adjust the premiums accordingly.

What do information do I need to have when making a car insurance enquiry?

Before you apply for comprehensive car insurance, you will need to have access to the following information:

  • Your contact and address details
  • Details of those who will be driving the vehicle
  • Details of the vehicle such as year, make, model, VIN and registration number
  • Whether it has any extra options fitted
  • Whether it has security features such as an alarm or immobiliser
  • The current market value or the amount you wish to insure it for
  • Details of your driving history and whether you have made any claims in the past five years
  • Whether you have a no claim bonus
  • Where the vehicle is kept (i.e. on the street or in a garage)
  • Whether it is used for personal or business use
  • The current odometer reading and how many kilometres you would expect to travel in a year
  • Whether there is any finance owing on the vehicle

Having information such as this ready when you call your insurer will speed up the application process and ensure they have everything they need to accurately calculate your premium.

What does my insurer really need to know? Should I tell them everything?

When applying for comprehensive car insurance, it is very important that you tell your insurer anything that is likely to have an effect on how much they charge you for your policy. If you don’t comply with your Duty of Disclosure, and they discover you have not been totally honest with them, they may reduce your claim or even refuse to pay at all.

You should also advise your insurer when you situation changes, such as if you move house, modify your car, include additional drivers or start using your vehicle for a purpose other than that specified in the policy. All these things can affect your premium amount and the extent of your cover, so you need to be upfront at all times with your insurer.

I had an accident and need to make a claim. What do I do now?

Oh no! You've had an accident. To make a claim you will need to follow the steps required by your insurer. These will be clearly outlined in your policy and usually involve:

  1. Calling emergency services if necessary
  2. Notifying your insurer as soon as possible
  3. Taking your vehicle to the nearest repairer, either one approved by your insurer, or alternatively obtaining two quotes
  4. Lodging a claim form with the insurer, including as much detail as possible and including a police report if requested

Other questions you may have about comprehensive car insurance

Compare comprehensive car insurance policies

* The offers compared on this page are chosen from a range of products finder.com.au has access to track details from and is not representative of all the products available in the market. Products are displayed in no particular order or ranking. The use of terms 'Best' and 'Top' are not product ratings and are subject to our disclaimer. You should consider seeking independent financial advice and consider your personal financial circumstances when comparing products.


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18 Responses

  1. Default Gravatar
    May 2, 2018

    Hi

    I cannot compare car insurance in your website. In other websites when I put the car details, it brings up the cost of the policies from different car insurance companies.

    Please advise.

    Thaks

    • finder Customer Care
      NikkiMay 3, 2018Staff

      Hi Lalith!

      Thanks for your message and for visiting finder – the leading comparison website & general information service built to give you advice in your buying decision needs. How are you doing today?

      Sorry to hear that you are having difficulties comparing car insurance policies.

      Please try using this page.

      Hope this helps! Feel free to message us anytime should you have further questions.

      Cheers,
      Nikki

  2. Default Gravatar
    ZiadFebruary 12, 2018

    Hi
    What’s the best and cheapest comprehensive car insurance for my 21-year-old son? Driving for 4yrs, no claims & never had a fine or accident.
    Cheers

    • finder Customer Care
      RenchMarch 2, 2018Staff

      Hi Ziad,

      Thank you for your inquiry.

      Whilst we cannot recommend or say what could be the cheapest car insurance as that entirely depends on your financial situation, you can have a look on this page for other car insurances that you can compare. Please click the ‘Get quote’ button if you wish to get a compare quotes from different brands.

      Best regards,
      Rench

  3. Default Gravatar
    LukeAugust 22, 2017

    Hey, I was convicted of drinking driving for 18months starting Jan 2016. I need car insurance still. Help me plz I live in WA

    • finder Customer Care
      LouAugust 22, 2017Staff

      Hi Lukaz,

      Thanks for your question.

      If you have been convicted of DUI, you may still be able to get an insurance cover but typically you can expect to pay higher premiums or an additional excess.

      In our page above, you may compare your car insurance options. You may request a quote from a particular insurer by clicking the “get quote” button on our page.

      Cheers,
      Anndy

  4. Default Gravatar
    ChewAugust 9, 2017

    I just need a comprehensive insurance that cover 3000km & 2 months only.

    • finder Customer Care
      ArnoldAugust 9, 2017Staff

      Hi Chew,

      Thanks for your inquiry.

      Please note that finder is a comparison and information service and we are not permitted to provide our users with personalized financial advice or product recommendations.

      If you are looking for a comprehensive car insurance, the page above provides you with all the information you need to know before choosing an insurer.

      You can compare prices and policies by using our comparison table. Once you have found a policy that suits your needs, click the ‘Go to site’ button to apply.

      Hope this information helped.

      Cheers,
      Arnold

  5. Default Gravatar
    YogeshJuly 26, 2017

    If I claim windscreen crack which is repaired already . Does it come in a claim

    • finder Customer Care
      ArnoldJuly 26, 2017Staff

      Hi Yogesh,

      Thanks for your inquiry.

      There is no need for a claim if the damage is very minor; and the cost of repairing the total damage is less, equal to or just over the amount of the excess.

      Before claiming you need to think about whether you should claim
      at all. Making a claim on your insurance can affect:

      1. Your ability to get insurance later
      2. The cost of future premiums
      3. Your no claim bonus

      You may also have to pay an “excess”. The excess is the amount of
      money you agree to pay in the event of a claim. In the event of an
      accident (rather than theft), the excess payable may vary according
      to who was driving the vehicle at the time. Check your policy for details.

      Hope this information helped.

      Cheers,
      Arnold

  6. Default Gravatar
    HelenJune 20, 2017

    Where’s best to insure an imported vehicle?

    • Default Gravatar
      JonathanJune 20, 2017

      Hi Helen!

      Your determination of insurer would depend on your personal circumstances. You can refer to our full guide of car insurance for imported vehicles on this page.

      Hope this helps.

      Cheers,
      Jonathan

  7. Default Gravatar
    judithJune 7, 2017

    I want to change insurance companies. My current one did not send me renewal and had increased my premium by $10/month. I want full computation and pay by the month but I am a bit confused. I want to compare premiums before my eyes. How do I do this?

    • Default Gravatar
      JonathanJune 8, 2017

      Hi Judith!

      Thanks for the comment.

      You can focus first on the main features we have included on the comparison table of this page. From there, you may choose which insurers and request a quote from each of them. Once you received their quote, you may decide which one would suit your needs and personal preferences.

      Hope this helps.

      Cheers,
      Jonathan

  8. Default Gravatar
    JansenMarch 21, 2017

    Hi,

    I am driving a 2004 Toyota Alphard car. Having difficulty to get my car insured because it is imported car. As a new migrant, I have yet to get my Australia driving licence.

    Please let me know if you can help.

    Regards,
    Jansen

    • finder Customer Care
      ZubairMarch 27, 2017Staff

      Hi Jensen,

      Thank you for your question.

      Currently, there is no insurer in our panel that offers cover for an imported car. However, at the bottom of the page, you can find the list of some specialist insurers who might be able to offer cover for imported cars.

      All the best,
      Zubair

  9. Default Gravatar
    IanFebruary 4, 2017

    Hello,

    I am a U.K. and Aussie citizen with both driving licences and I have spent the last 18 years in Australia – I am heading home for a month and would like to get insured in my fathers car.
    Can you help? Most U.K. Insurances need me to be a resident in U.K. for the last 5 years.

    Thanks,

    • finder Customer Care
      RichardFebruary 8, 2017Staff

      Hi Ian,

      Thanks for getting in touch. Unfortunately, the insurance brands in our panel only offer cover while in Australia.

      Cheers,
      Richard

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