Comprehensive Car Insurance

Compare comprehensive car insurance online and you could save thousands of dollars a year.

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If you love your car, you'll probably want comprehensive car insurance. It's the highest level of cover, so you can hit the road without worrying about a hefty bill if something goes wrong. You'll be covered for damage to your own car as well as damage to other people, vehicles and property. You'll even be covered if a freak hailstorm ruins your bodywork or a rogue kangaroo dents your bumper.

But not all comprehensive car insurance policies are created equal. Some have heaps more benefits, while others are overpriced for what they offer. This page will clear things up and could even save you thousands of dollars too.

In fact, our cost research found a staggering difference of $2,353 a year between the cheapest and most expensive insurer. It really does pay to shop around.

Looking for a little guidance? Finder research pinpointed Budget Direct, ING and Virgin as the top 3 all rounders for comprehensive car insurance. We took features and price into consideration so you can trust you'll get good value for money with any of these providers.

Comprehensive car insurance in Australia

Name Product Roadside Assistance Accidental Damage Storm Choice of Repairer Agreed or Market Value
Budget Direct Comprehensive
Optional
Optional
Agreed or Market
Finder's summary: Awarded the 2019 Finder Award for the Best Value Car Insurance, this policy offers solid coverage at a low cost. Budget Direct’s claims service has received a 4.2/5 based on nearly 5,000 customer reviews.

Who it might be good for: People who want a comprehensive policy without breaking the bank.
Bingle Comprehensive
Market
Finder's summary: Bingle consistently come up as one of the cheaper insurers out there. They only cover the basics, so you don't get to choose your own repairer, you're not covered for personal items in the car and you won't get a hire car if your car is stolen. But this keeps their premiums low.

Who it might be good for: Someone who wants a low cost option that covers them for the basics.
Youi Comprehensive
Optional
Agreed or Market
Finder's summary: Youi Comprehensive Car Insurance is one of the few providers to include roadside assistance in their policy. You'll also get access to YouiRewards which gives you discounts on furniture, parking and more. Youi also have a live chat feature on their site to talk through any questions.

Who it might be good for: People over 25 who want comprehensive cover with a focus on customer service.
Woolworths Comprehensive
Optional
Agreed or Market
Finder's summary: Woolworths catch our eye due to some unique perks like a price beat guarantee, where they'll beat any current comparable Comprehensive renewal notice if you're over 25. You'll also get 10% off your grocery shop once a month, and can add roadside assistance onto your policy for just $7.35 per month.

Who it might be good for: Woolworths shoppers and those that want to take advantage of their Price Beat.
Virgin Comprehensive
Optional
Optional
Agreed or Market
Finder's summary: Finalists for the 2019 Finder Awards for Best Value Car Insurance, Virgin Comprehensive provides a good level of cover for a decent price. You'll get 15% off on your first year’s premium when you buy online and get access to their hail hero service. Plus, get a $100 e-Gift card when you purchase a new policy by 30 November 2020 (T&Cs apply).

Who it might be good for: People who want a comprehensive policy that's affordable.
Qantas Comprehensive
Optional
Optional
Agreed or Market
Finder's summary: You'll be able to pick and choose how comprehensive you want your cover to be thanks to optional extras like roadside assistance, choice of your own repairer, and the option of agreed or market value. Plus, you'll earn Qantas Points when you join and get access to the Qantas Wellness App.

Who it might be good for: People who love collecting frequent flyer points.
Poncho Comprehensive
Agreed
Finder's summary: Poncho works like a monthly subscription - you pay monthly and can cancel and leave at anytime. You can also list multiple cars and drivers under one policy, making it ideal for families and groups living together under one household.

Who it might be good for: People who want their car insurance month-to-month.
Coles Comprehensive
Optional
Agreed or Market
Finder's summary: Coles have two-tiers of comprehensive car insurance to choose from. You'll earn double flybuys points at Coles supermarkets and you can get $10 off your Coles grocery bill every time you redeem 2,000 Flybuys points. If you're over 30, you can get roadside assistance free for a year.

Who it might be good for: Coles customers and Flybuys collectors.
Stella Comprehensive
Optional
Agreed or Market
Finder's summary: Stella’s a female-focused insurer. They'll cover you if your car is damaged as a result of domestic violence. They offer higher cover for baby gear than most, with up to $2,000 cover for prams, strollers and child seats. You get a free Bauer magazine subscription when you sign up and a portion of your premiums go to supporting female-led businesses.

Who it might be good for: Someone who wants a female-centred car insurance policy (they'll cover men too!).
Kogan Comprehensive
Optional
Agreed or Market
Finder's summary: Kogan comes with all the perks that most comprehensive car insurance policies include but you'll also be entitled to some benefits on their online store. This usually comes in the form of a gift voucher or discount if you buy online. Plus, Kogan offer a pay as you drive option, which could be good if you're not on the road that much.

Who it might be good for: Kogan shoppers and those that don't drive much.
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Alexandra Koster Insurance Expert

Finder Award Winner: Budget Direct Car Insurance

Budget Direct won the 2019 Finder Award for Best Value Car Insurance because it was one of the more affordable policies on the market, whilst still providing strong coverage for your car.

Their policy boasts flood and storm cover, 24/7 phone assistance, adjustable excess, optional roadside assistance, a hire car, towing costs, and even a hail warning SMS system.

  • 15%
    15% off first year's premium for new policies purchased online. T&Cs apply.
  • 24/7
    24/7 roadside assistance for less than $1.60 a week
Go to site

Did you know? A Finder survey found that more than half of car owners (55%) have had their car damaged by another person or vehicle.

What is comprehensive car insurance?

Comprehensive car insurance is the highest level of car insurance you can get. It's the only type of car insurance that will cover damage to your own car as well as damage to other people, vehicles and property.

Depending on which comprehensive car insurance policy you buy, you can also get cover for roadside recovery, a hire car if yours is ever out of action and even emergency accommodation costs if you're stranded far from home.

Did you know? Comprehensive car insurance is sometimes referred to as fully comprehensive or fully comp. Don't worry, it all means the same thing.

Is fully comprehensive right for me?

There's an easy way to find out if you could benefit from comprehensive car insurance.

If you've answered NO to any of these questions, comprehensive car insurance might be for you:
  • Could you afford to repair your car if it was seriously damaged?
  • Would you be able to buy a new car if yours was written off?
  • Is your car usually parked in a safe and secure area?
If you answered YES to any of these questions, comprehensive car insurance might be for you:
  • Do you rely on your car for work or other essential trips?
  • Do you live in an area that is prone to hailstorms?
  • Do you ever worry about your car being stolen or vandalised?

If you're still unsure, you can take our test. It'll give you an idea of which type of insurance might be right for you. Plus, it'll only take a minute or so.

Which policy is the best all-rounder?

According to Finder research, Budget Direct is the best all-rounder for comprehensive car insurance.

We requested a total of 336 quotes, from 42 different car insurers, using 8 unique driver profiles. We then analysed those quotes using our unique scoring system - which takes both features and pricing into consideration. Budget Direct came out on top.

With an average annual premium price of $927, Budget Direct was the 5th cheapest insurer but also achieved a respectable features score of 7.1 out of 10.

BrandAverage priceFeature scoreFinder score
Budget Direct Logo$9277.1
8.1
ING logo$9437.3
8.08
Virgin logo$9457.1
7.86

Important: For this rating, we excluded insurers that rely on telematics to price your policy. That's because it's difficult to pinpoint exactly how much you'd pay.

Which policy is the most comprehensive?

According to Finder research, NAB offers the most comprehensive policy.

We analysed the product disclosure statements of 42 different car insurers to find out which one offered the most comprehensive combination of benefits. NAB came out on top with a feature score of 8.2 out of 10.

The policy covers all the basics plus a heap of added extras including emergency repairs cover, high limits for emergency accommodation costs, and temporary cover on a replacement hire car. It even offers an accidental death benefit of $25,0000.

However, there is a caveat to the high level of cover. NAB didn't perform very well when it came to price. In fact, out of 42 car insurers, NAB was ranked 31st for price.

The table below shows the top 3 brands ranked by feature score. These are the most comprehensive car insurance policies, according to our research.

BrandAverage priceFeatures scoreFinder score
NAB logo.$1,3548.2
5.39
Bupa logo$1,6527.6
4.14
Picture not described$1,7827.5
3.99

Which comprehensive policy is the cheapest?

According to Finder research, Bingle is the cheapest comprehensive policy.

Out of the 42 car insurers we analysed, Bingle came back with the lowest average pricing across 8 driver profiles. In fact, the insurer had an average annual price of just $780 for a comprehensive policy.

Of course, as with most things, you're going to have to sacrifice some quality in order to save cash. While budget policies are kind to your bank balance, they won't have as many benefits compared to more expensive options.

Bingle's affordability is countered by a relatively low feature score of just 3.3. All up, the insurer earned a respectable FInder score of 6.54 out of 10.

BrandAverage priceFeature scoreFinder score
Bingle logo$7803.3
6.54
Budget Direct Logo$9277.1
8.1
ING logo$9437.3
8.08

Important: For this rating, we excluded insurers that rely on telematics to price your policy. That's because it's difficult to pinpoint exactly how much you'd pay.

How do car insurance brands differ on pricing?

Using 8 different driver profiles we requested quotes from 43 different insurance companies. The average price difference between the most and least expensive insurer was a staggering $2,252 a year.

Of course, price isn't everything. Some more expensive policies will have a wider suite of benefits, but it just shows how much you can save by shopping around.

What should I know before I take out cover?

There are a few things you need to know when you're looking for comprehensive car insurance. It'll make it easier to compare different policies and spot the things that really matter to you.

📌 Benefits. Not all comprehensive car insurance policies are created equal. Some policies are packed with extra perks or have higher claims limits, but they're usually more expensive too.

📌 Price. Price is important but it's not everything. Just because a policy is more expensive, doesn't mean it's better. On the flip side, you can find cheap policies with decent benefits.

📌 No claim discounts. Most insurers offer a no claim discount, but the value varies between different companies. If you're a safe driver, keep an eye out for potential discounts.

📌 Choice of repairer. This is a biggie that often goes overlooked. It gives you the ability to choose your own repairer, rather than the insurer doing it for you. It means you can pick a garage close to home or one with a shorter waiting list to get repairs done.

📌 Agreed value. This is when you and your insurer agree on the value of your vehicle ahead of time. It means you know how much you'll be paid if your car is written off.

📌 Market value. This is when your car is insured for its current market value at any given time. It's more convenient, but depreciation means you might get paid less than you expected if you ever have a serious accident.

📌 Excess. This is the amount you'll have to contribute before your insurer starts paying your claim. So if you have a $500 excess but damage worth $1,200, your insurer will pay out $700.

📌 Underwriter. An underwriter is the company that provides insurance to your insurance company. Finder compares car insurance from different brands and different underwriters.

Did you know? A Finder survey found that 31% of car owners have had their car damaged by another vehicle, but the driver left the scene before they could exchange details

What does comprehensive car insurance cover?

Not all comprehensive car insurance policies are created equal. While they all have the same core benefits, some will have extra perks that make the policy more attractive.

Definitely covered

✅ Legal liability if you injure someone

✅ Repairs to your car if you're in an accident

✅ Repairs to your car if it's vandalised

✅ Payment if your car is stolen or set on fire

✅ Repairs if your car is damaged in a storm

Sometimes covered

⭕ New car replacement if yours is written off within a certain period

⭕ Payment if personal items inside the car are stolen or damaged

⭕ Damage to a caravan or trailer

⭕ Roadside assistance

⭕ Emergency costs if you're stranded

Did you know? Roadside assistance matters. In a Finder survey of 1,007 people, 51% said they'd call roadside assistance if they broke down.

How much does it cost?

Comprehensive car insurance is usually around twice the price of a third party policy for the same vehicle. This isn't exact by any means, but it's a good rule of thumb.

However, because the price of car insurance varies depending on your personal situation and specific car, it's hard to put a figure on how much it might cost you.

Instead, we did some research to give you a rough idea just how much the cost can change from person to person and for different cars.

Marco

Marco

☑️ 2007 Toyota Corolla: $259 a month
☑️ 18 y/o 2020 Land Rover Defender: $500 a month
☑️ Doesn't have a no claim bonus
☑️ P-Plater
☑️ Car kept on street

Helena

Helena

☑️ 2007 Toyota Corolla: $85 a month
☑️ 20 y/o 2020 Land Rover Defender: $175 a month
☑️ 2 year no claim bonus
☑️ Car kept on driveway

Paul

June

☑️ 2007 Toyota Corolla: $68 a month
☑️ 45 y/o 2020 Land Rover Defender: $140 a month
☑️ 4 years no claim bonus
☑️ Car kept in carport

June

June

☑️ 2007 Toyota Corolla: $55 a month
☑️ 60 y/o 2020 Land Rover Defender: $119 a month
☑️ 5 years no claim bonus
☑️ Car kept in garage

What affects the cost of my policy?

There are lots of different factors that affect the cost of your car insurance policy. We've listed the most significant ones below.

FactorWhat happens?
AgeYoung drivers usually pay more for their insurance
ExperienceExperienced drivers often enjoy cheaper premiums
GenderMen sometimes pay more than women, although it's usually equal in older drivers
HistoryDrivers who have made recent claims will pay more for their premiums
Car valueCheaper cars are less expensive to insure
Car featuresIf your car has safety or security features, it may be cheaper to insure
UsagePeople who drive fewer kilometres per year may have cheaper premiums
LocationCars kept in safe neighbourhoods or secure locations can see cheaper premiums
CoverA higher level of protection that offers extra perks will be more expensive
ExcessIf you choose a higher excess, your premiums will be lower
RestrictionsIf you restrict the age of other drivers, you may be able to lower your premium

Did you know? Price is the most important factor for Aussies when choosing car insurance. In one Finder survey, 43% of respondents said it was their biggest consideration.

Is comprehensive really worth it?

This is a question only you can answer, but there's a simple formula to help you figure it out.

Your annual premium + your excess = potential cost of a claim

Value of your car - potential cost of a claim = the amount you'd have to spend to replace your car if you didn't have comprehensive insurance

Once you have the amount you'd have to spend to replace your car without comprehensive insurance, think about whether you would be willing – or able – to pay that amount.

If you would be willing and able, you may want to consider third party insurance or third party fire and theft. If you wouldn't, comprehensive car insurance is probably better suited to you.

Another good indicator that comprehensive car insurance isn't for you is if your annual premium is more expensive than the amount you'd have to spend to replace your car.

Here are some examples:

Worth it

📌 Car value = $30,000

📌 Premium = $800

📌 Excess = $500

✅ $800 + $500 = $1,300

✅ $30,000 - $1,300 = $28,700

Might not be worth it

📌 Car value = $5,000

📌 Premium = $2,600

📌 Excess = $500

✅ $2,600 + $500 = $3,150

✅ $5,000 - $3,150 = $1,850

How does comprehensive compare to other types of car insurance?

Comprehensive car insurance covers far more situations than either third party insurance or third party fire and theft. However, it's also the most expensive.

Our research shows the average price of comprehensive car insurance is roughly twice that of third party insurance. Use the table below to weigh up whether the extra benefits are worth the cost for you.

ComprehensiveThird party fire and theftThird party
Accidental damage to your car
Malicious damage to your car
Damage due to flood or storm
Damage due to fire
Theft
Damage to other people's property
Emergency transport and accommodation
Hire car following accident
Personal property replacement
New car replacement
Replacement of car keys

*There may be some changes between insurers. Always check the PDS.

Which brands offer comprehensive car insurance?

There are plenty of brands which offer comprehensive car insurance in Australia, and new companies pop up all the time. Here's a list of some of the most popular ones:

Comprehensive car insurance policies compared

Using Finder partners only, we created a table which highlights some key policy features, and gives an indication of who might be better suited to certain policies, so you can compare comprehensive car insurance policies at a glance. Give it a go and see what works for you.

ProviderFinder's analysisWho it might be good forApply
Budget Direct Logo

Comprehensive

Awarded the 2019 Finder Award for the Best Value Car Insurance, this policy offers solid coverage at a low cost.

Key replacement, towing costs, and personal effects are all covered as well as a hire car if yours is stolen. You also have the option to add roadside assistance and choice of repairer.

Budget Direct's claims service has received a 4.2/5 based on nearly 5,000 customer reviews.

Keep in mind, you might have to pay a bit more to get your own choice of repairer and there are a few extra excesses to be aware of.

  • People who want a comprehensive policy without breaking the bank.
Get quote
Picture not described

Comprehensive

This policy covers all the basics like damage to your vehicle and towing from the scene, as well as extras such as hire car and emergency travel and accommodation costs. While it has similar features to other brands, it has one of the higher limits for personal effects and key replacement.

Purchasing a policy could earn you up to 20,000 Qantas Points and you can get additional points by getting your car serviced or checking your tyres. You'll also get access to the Qantas Wellness app.

You'll have to pay extra if you want your own choice of repairer.

  • People who love collecting frequent flyer points.
Get quote
Picture not described

Comprehensive

Youi Comprehensive Car Insurance is one of the few providers to include Roadside Assistance in their policy. As well covering you for things like damage to your vehicle, key replacement and a hire car, when you sign up, you'll also get access to YouiRewards. This gives you discounts on things like Amart furniture, parking and more.

They also provide counselling services of up to $1,500 if you're involved in an accident and need to talk to someone about it. Other perks include a hire car if you're not at fault, optional cover for specific business items (up to $1,000) and a handy live chat option on their site to get you in contact with a Youi rep.

Remember, Youi also don't offer a no-claims discount.

  • People over 25 who want comprehensive cover with a focus on customer service.
Get quote
Stella car insurance logo

Comprehensive

Stella's is an insurer that is female-centered. They'll cover you if your car is damaged as a result of domestic violence. They offer higher cover for baby gear than most, with up to $2,000 cover for prams, strollers and child seats. They also offer higher cover for personal items than most so your handbag, phone, and jewellery should be protected.

You can also get a free magazine subscription to Bauer Media mag when you sign up and know that a portion of your premiums are going towards supporting female-led businesses.

Keep in mind that although Stella is tailored to women, it isn't necessarily a cheaper policy for women to go with.

  • Someone who wants a female-centred car insurance policy (they'll cover men too!).
Get quote
Bingle logo

Comprehensive

Bingle consistently comes up as one of the cheaper insurers out there. They only cover the basics, so you don't get to choose your own repairer, you're not covered for personal items in the car and you won't get a hire car if your car is stolen. They also only operate online. But all this keeps their premiums low.

Remember, they also only cover you for market value and you won't get a choice of your repairer.

  • Anyone who wants a low cost option that covers them for important things like accidents but is happy to have some of the added comforts like a hire car if yours is stolen excluded.
Get quote
Coles Insurance

Comprehensive

Coles have two-tiers of comprehensive car insurance to choose from: comprehensive and comprehensive plus. They cover you for damage to your car, give you a hire car, new car replacement if your car is less than 2 years old, and $200 towards grocery replacement if your shopping is nicked or damaged.

The higher tier policy will also give you a hire car until your claim is sorted, one free windscreen repair each year, and an additional year for new car replacement.

You'll also earn double flybuys points at Coles supermarkets and you can get $10 off your Coles grocery bill every time you redeem 2,000 Flybuys points. If you're over 30, you can get roadside assistance free for a year.

Keep in mind, Coles won't let you choose your own choice of repairer.

  • Coles customers, Flybuys collectors, and those that want the whole bells and whistles.
Get quote
Virgin logo

Comprehensive

Finalists for the 2019 Finder Awards for Best Value Car Insurance, Virgin Comprehensive provides a good level of cover for a decent price. You'll get 15% off on your first year's premium when you buy online and get covered for things like key replacement, towing costs and the personal items in your car. Plus, if your vehicle is stolen, they'll give you a hire car.

Another added perk is their hail hero service, which gives you a warning if hail is expected so you can get yourself and your car to safety.

You'll have to pay more if you want your own repairer.

  • People who want a comprehensive policy that's affordable.
Get quote
Poncho logo

Comprehensive

Poncho works like a monthly subscription. You can pay monthly at no extra cost and there's only one standard excess you need to worry about. If it's not for you, you can leave anytime; there are no lock-in contracts or cancellation fees.

You can also list multiple cars and drivers under one policy, making it ideal for families and groups living together under one household.

Be sure to list any other driver on your policy. Otherwise, you'll have to pay a $3,000 excess if they're in an accident.

  • People who only need cover for a short period of time.
Get quote
Real insurance logo

Comprehensive

Real Comprehensive Car Insurance provides similar coverage to other insurers for the important stuff like looking after your car if it's stolen or you crash. This includes damage by fire or weather, and if your car is written off within two years of its registration, they'll replace it with a new one.

They're also one of the few insurers who offer a Pay As You Drive policy, so you might be able to save big if you don't drive much.

Younger and inexperienced drivers listed on your policy will have to pay an added excess on top of the standard one, but this is usually pretty common in other policies too.

  • Those that don't drive much can take advantage of their Pay As You Drive policy.
More info
Kogan insurance logo

Comprehensive

Kogan comes with all the perks that most comprehensive car insurance policies include - like cover for theft, fire and weather, new for old car replacement, towing costs and more - but you'll also be entitled to some benefits on their online store. This usually comes in the form of a gift voucher or discount if you buy online.

Plus, Kogan offer a pay as you drive option, which could be good if you're not on the road that much.

Kogan try and keep things affordable, so you don't get to choose your own repairer and you'll have to pay extra if you want a hire car if your vehicle is stolen (others include this automatically

  • Kogan shoppers and those that don't drive much.
Get quote

Should I switch insurers?

At the very least, you should be comparing car insurance at least once a year to make sure you're getting the best deal available. If you compare car insurance online and find a better deal, you should definitely switch.

Remember, car insurance isn't all about price, it's about which benefits you get too. However, if you find a policy that offers the same benefits or more for a lower cost, you should either contact your current car insurance company and ask for a discount or you should change your insurance provider.

Don't worry, there's no harm in switching insurers and you won't lose your no claim history.

Should I choose agreed value or market value?

That's up to you. However, choosing agreed value or market value will have an impact on your premiums so it's important to understand which one is right for you.

Market value.

This is when your car is insured for its current market value at any given time. It's more convenient, but depreciation means you might get paid less than you expected if you ever have a serious accident.

Usually, market value is the cheaper way to insure your car. However, if you plan on self-insuring to a certain extent, agreed value may be cheaper. There's more on this below.

Agreed value.

You and the insurer agree on the value of the car when you first buy your insurance. Usually, you can set a value that is over or under the actual market value.

Often, people choose a value below market value because it reduces the price of their premiums. In these instances, the driver is self-insuring the rest of the car. They accept the risk that, if their car is written off, they won't receive enough money from the insurer to replace like-for-like and will have to settle for a less valuable car or contribute some money themselves.

However, some people choose to set a value above market value. This may be worth considering if you've spent a lot of money customising your car, you've installed high-quality parts or a like-for-like replacement would be incredibly hard to come by. You will pay a higher premium, but you'll receive a bigger payout than standard market value.

What isn't covered by comprehensive?

There are certain costs and situations which will not be covered by comprehensive insurance. These include the following:

❌ General wear and tear

❌ Mechanical, structural or electrical faults

❌ If you carry passengers or goods for payment

❌ If you hire your car to other people

❌ If an unlicensed driver is at the wheel

❌ If the driver is under the influence of drugs or alcohol

❌ If the car is driven in any races, rallies or contests

❌ If the car is used for any unlawful activity

❌ If the car is driven while considered unroadworthy

❌ If the car is driven in a reckless manner

This is not an exhaustive list. Depending on which policy you buy, it's likely there will be additional exclusions. Always check the PDS for a full list.

How can I save money on comprehensive car insurance?

If you're keen to get comprehensive car insurance but are worried about the cost, there are ways to make your regular premiums more affordable.

Shop around. Our research shows you can save thousands of dollars just by comparing

Increase your excess. Choosing a higher excess will lower your premiums

Look for no claim discounts. Some insurers offer big discounts to safe drivers

Restrict usage. Premiums may be cheaper if only select people will drive the car

Restrict age. If you restrict the minimum age of any driver, your premium might drop

Keep it safe. Installing a car alarm or keeping your vehicle in a garage can earn you a discount

Look for deals. Some insurers will offer discounts for buying online

Qantas Car Insurance Deals Qantas Car Insurance Deals

Get up to 30,000 Qantas Points when you buy comprehensive car insurance

Earn up 30,000 Qantas Points when you sign up. Points awarded will be based on your premium. T&Cs apply.

Last verified

Deal ends

Kogan Car Insurance Deals Kogan Car Insurance Deals

$50 Kogan.com credit offer

Get $50 Kogan.com credit when you take out a comprehensive or pay as you drive car insurance policy. T&Cs apply.

Last verified

Virgin Car Insurance Virgin Car Insurance

$100 e-Gift card + 15% off new policies

Grab a $100 e-Gift card when you purchase a new eligible Virgin Car Insurance policy by 30 November 2020. Purchase online and you'll also save 15% on your first year’s premium. T&Cs Apply.

Last verified

Deal ends

Budget Direct Budget Direct

15% online discount on car insurance

Receive 15% off your first year's premium when you purchase a new policy online. T&Cs apply.

Last verified

Woolworths Car Insurance Deals Woolworths Car Insurance Deals

Woolworths Car Insurance Price Beat - Over 25 Only

Get a quote and if you're 25 or over and if it is not cheaper than your current comparable renewal notice, Woolworths will beat it.

Last verified

More confused than ever?

Comprehensive car insurance can get more confusing the more you delve into it, but don't give up. Check out our guide on how to compare car insurance and see if that helps.

If you're struggling to weigh up whether it's right for you, we also have more information on the differences between comprehensive insurance and third party.

Of course, if you have any other questions that we haven't answered, feel free to drop us a comment. We'll do our best to clear things up.

FAQs

Can anyone drive my car if I have comprehensive insurance?

Not necessarily. Some comprehensive policies will cover anyone with a driving license. However, others will restrict the age of drivers or the experience of drivers. Some policies will only cover named drivers. These are usually settings that you can customise yourself but if you're unsure always ask your insurer directly.

Is glass damage included?

Most insurers will offer cover for your windshield and other windows, but it is usually an optional add-on that you'll pay a little extra for.

Does comprehensive insurance cover hail damage?

Yes. Hail damage is covered, along with other forms of severe weather like cyclones or lightning.

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18 Responses

  1. Default Gravatar
    NeilJune 17, 2020

    I am trying to insure my 1999 Nissan Elgrand diesel van and I can’t find a company to cover the van.

    • Avatarfinder Customer Care
      JoshuaJune 21, 2020Staff

      Hi Neil,

      We’re sorry you’re having a difficult time finding insurance for your van. We don’t directly offer car insurance and don’t have access to all your details so it’d be hard for us to figure out why you’re struggling to find cover.

      A good idea could be to actually ring up an insurer and go through the quote process with them over the phone as this will give you the option to talk to them about why specifically you can’t find cover.

      I hope this helps. Should you have further questions, please don’t hesitate to reach us out again.

      Have a wonderful day!

      Cheers,
      Joshua

  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

    • Avatarfinder 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 some information on what insurance might be suitable for someone under 25 years old. We did some research and found some huge differences in costs for under 25s, so you might find it helpful to know who we found to be the cheapest in our research! Just keep in mind that if you want a cheap policy you’ll probably sacrifice a bit of cover, and vice versa. Have a look, and if you’ve got any other questions just send them over!

      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

    • Avatarfinder Customer Care
      DeeAugust 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. We’ve actually got a page on what to do if you’ve been convicted of drink driving which you might find useful. Unfortunately, there’s no set insurer that will offer you cover as it annoyingly comes down to each persons circumstances, however we’ve put together some good rules of thumb to follow that should limit the time you spend searching.

      I hope this is useful!

      Cheers,
      Anndy

  4. Default Gravatar
    ChewAugust 9, 2017

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

    • Default Gravatar
      ArnoldAugust 9, 2017

      Hi Chew,

      Thanks for your question!

      Given that you’re only going a short distance and for a limited time, it might actually be in your best interest to get a pay-as-you-drive policy. These policies are far cheaper than your standard comprehensive car insurance policy as it works under the premise of you only driving a certain amount of kilometres each year. Have a read of our article about it, and if you’ve got any other questions just let us know!

      Cheers,
      Arnold

  5. Default Gravatar
    YogeshJuly 26, 2017

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

    • Default Gravatar
      ArnoldJuly 26, 2017

      Hi Yogesh,

      Thanks for your question!

      If I understand correctly, you’ve had this crack repaired in the past and it’s damaged again. If that’s the case and it’s due to poor workmanship, you should be able to go back to your insurer and get it repaired again after the ‘lifetime repairs guarantee’ clause.

      If this is a new crack, you can technically claim it under your car insurance, however it might not be cost efficient to. This is because you’ll have to pay an excess which can be upwards of $400 before an insurer even looks at your car. Whereas, if you independently get your windscreen repair you might only be looking at a few hundred dollars.

      I hope this helps.

      Cheers,
      Arnold

  6. Default Gravatar
    HelenJune 20, 2017

    Where’s best to insure an imported vehicle?

  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

    • Avatarfinder 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,

    • Avatarfinder 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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