Comprehensive Car Insurance

Comprehensive car insurance is a top level of cover, protecting both your car and anything you accidentally crash into.

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Woman enjoying ride

Comprehensive cover is the highest level of car insurance you can get on the market. It protects you if you're in an accident, a big storm thrashes your car, or someone hits your car with their shopping trolley.

Sound like what you're looking for? Let's help you find an option that's right for you.

Find a new comprehensive car insurance policy

Name Product Roadside Assistance Accidental Damage Storm Choice of Repairer Agreed or Market Value
Budget Direct Comprehensive
Optional
Optional
Agreed or Market
Buy online and save 15%.
Bingle Comprehensive
Market
Coles Comprehensive
Optional
Agreed or Market
Save 10% when you buy online + collect double flybuys points at Coles Supermarkets. T&Cs apply.
Youi Comprehensive
Optional
Agreed or Market
Emergency roadside assistance included in Comprehensive policies.
UbiCar Comprehensive
Agreed
Use the free UbiCar app to track your driving. The better driver you are, the better your premium will be.
Virgin Comprehensive
Optional
Optional
Agreed
Save 15% when purchasing online. Plus earn 5,000 Velocity Points when purchasing a new eligible policy by 29 April 2020. T&Cs apply.
Real Comprehensive
Optional
Agreed
Save up to 10% when you buy online.
Woolworths Comprehensive
Optional
Agreed or Market
Buy online and save up to 10%. Price-beat guarantee for drivers aged over 25. T&Cs apply.

Compare up to 4 providers

Car insurance sign up deals for December 2019

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

Earn 5,000 Velocity Points 2 when you purchase a new eligible Virgin Car Insurance comprehensive policy by 29 April 2020.

Last verified

Stuck on who to choose? The 3 most popular car insurers brands on this page are:
1. Bingle
2. Youi
3. Budget Direct

Based on clicks to active policies on this page from September 2018 - February 2019

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?

During our analysis of 6 Australian car insurance brands, we found that the cost of comprehensive car insurance varies from $75 to $91 a month. So if you want to save on costs, your best bet will probably be to get quotes from a bunch of brands.

To get these costs, we averaged together the cost of a male and a female Sydneysider, both born on 1/1/1983, driving a 2016 Ford Falcon.

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 is comprehensive car insurance?

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.

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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.

What's the right type of car insurance for you?

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.

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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16 Responses

  1. 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

  2. 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

  3. 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

  4. 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

  5. Default Gravatar
    HelenJune 20, 2017

    Where’s best to insure an imported vehicle?

  6. 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

  7. 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

  8. 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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