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.

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


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

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
Yes
No
Optional
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 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)
$250
Buy online and save 15%.
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. Plus receive up to 20,000 Velocity Points when purchasing a new eligible policy by 1 April 2019. Min 6 months policy and T&CS apply.
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.

Compare up to 4 providers

Do I need comprehensive car insurance?

In most cases, getting comprehensive car insurance is a good idea. If you care about your car or depend on it every day, it makes sense to invest in comprehensive car insurance.

It's the only type of car insurance policy that will properly cover you if your car is damaged in an accident. And if it is and you're unable to drive it, most comprehensive car insurance policies will also give you a rental car, and in some instances, a brand new car. You'll also be covered for any malicious damage or vandalism, damage from hail or storms, theft, fire, emergency accommodation, and much more.

One time that it might not be worth getting comprehensive car insurance is if you're young as the cost of comprehensive car insurance might cost more than the car itself. Another time you should reconsider taking out comprehensive car insurance is if you've got a cheap car you might not care much about, as you might not get your money's worth if the car is written off.

How much does comprehensive car insurance cost?

Comprehensive How much will it cost you?

Bingle

$83.75 Get Quote

Huddle

$79 Get Quote

Budget Direct

$76.30 Get Quote

AAMI

$75.25

Allianz

$86.80

NRMA

$83.50

Woolworths

$91.25

To determine this estimated cost, we sourced quotes using this profile:

  • We averaged together the cost of a male and a female policy, both born on 1/1/1983
  • 2016 Ford Falcon
  • Lived in Sydney, NSW
  • Drives 10,000 - 15,000 kilometres per year
  • Adjusted excess to $600-$700 where possible
  • Safe driver with no claims made in the past 3 years
  • Quotes sourced on 20 November 2018

Your cost will differ depending on your circumstances. Some things that can affect the cost of your quote include your gender, the type of car you drive, the colour of the car, how long you have been driving, the amount of cover you need, plus more. Be sure to read the PDS to find cover that suits you.

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 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.

6 things you didn't know your car insurance covered

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6 things you didn't know your car insurance covered

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How do other companies compare?

We took a look at some other comprehensive insurance policies. Here's how they compare:

Provider
Choice of repairer
Pay monthly at no extra cost
Hire car after accident
Roadside assistance
Personal effects
New car replacement
Discounts
AAMI

AAMI

  • No
  • Yes
$90/day
  • Optional
$500
  • Yes
$100 online discount
Coles

Coles

  • No
  • Yes
$50/day
  • Optional
$500
  • Yes
10% online discount
Allianz

Allianz

  • Yes
  • Yes
$100/day
  • Yes
$750
  • Yes
15% online discount
Woolworths

Woolworths

  • No
  • No
$70/day
  • Optional
$500
  • Yes
Price beat current comparable comprehensive renewal notice if you're over 25. 5% online discount.
GIO

GIO

  • Yes
  • Yes
$100/day
  • Optional
$1000
  • Yes
No
QBE

QBE

  • Yes
  • Yes
No amount specified
  • No
$500
  • Yes
No
Suncorp

Suncorp

  • Yes
  • Yes
For unlimited days
  • Optional
$1,000
  • Yes
$50 online discount. 10% family discount.
Allianz

Apia

  • Yes
  • Yes
$90/day
  • Optional
$1,000
  • Yes
15% online discount
CGU

CGU

  • Yes
  • Yes
$100/day
  • No
$1,000
  • Yes
No

What extra cover should I consider?

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

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.

What is excess and why do I need it?

An excess is the amount you must pay towards a claim. Most comprehensive 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.

Should I get third party or comprehensive car insurance?

Which is the best policy for me? It's a common question but a tough one to answer. Everyone’s needs and ideas about the best 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 cover.

How can I save?

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

When applying for comprehensive 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.

Want to save on your comprehensive car insurance?

Budget Direct Budget Direct

15% online discount on car insurance

Receive 15% off car insurance when you purchase cover online.

Last verified

Real Car Insurance Deal Real Car Insurance Deal

Save up to 10% when you buy Real Car Insurance online

Online applicants save 5% on first year premiums, and up to an additional 5% off to exclude drivers under 25. Minimum premiums may reduce savings discount.

Last verified

Virgin Car Insurance Virgin Car Insurance

Save 15% on the Virgin Car Insurance Price Saver Policy

Save 15%* - Buy Virgin Car Insurance Price Saver online and save now. Terms and conditions apply.

Last verified

Other questions you may have about comprehensive car insurance

Compare comprehensive car insurance policies

* We got this cost by dividing the monthly premium for Budget Direct's policy into a daily amount.
Picture: Unsplash


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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.

    • Default Gravatar
      ArnoldAugust 9, 2017

      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

    • Default Gravatar
      ArnoldJuly 26, 2017

      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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