Finder Score for car insurance
We analyse over 30 car insurance products across insurance providers, and rate each one for price and features. We collect up to 36 quotes per product, for male and female drivers in New South Wales, Victoria, Queensland, South Australia, Tasmania and Western Australia. Quotes are collected for 20 year olds, 30 year olds and 60 year olds, assuming an excess of $850 for a 2020 Toyota Corolla 4 door sedan model, with an average 15,000 kms driven each year. We use your responses to our quiz to pair you with the closest price profile and while we are not allowed to display actual quotes, our price score aims to serve as an indicative guide to how cost competitive a product might be for you.
Our feature score assesses each product for more than 15 features across loss and damage coverage, repairs and assistance coverage, personal items coverage and policy coverage. Features we assess include but are not limited to legal liability, essential repairs, new car replacement, car hire events, roadside assistance, agreed or market value, windscreen damage and natural disaster coverage.
Depending on your answers to our car insurance quiz, we upweight the relevant price score or feature score to generate a dynamic Finder Score (80% weighting on the primary selection between Price or Feature). Finder Score, Price Score and Feature Score are only to be used as indicative guides and are not product recommendations.
Read the full methodology
We obtained quotes across a range of providers for a 30 year old male based in NSW.
All the protection of Comprehensive, with extra benefits including a hire car as standard, if your car can't be driven due to an insured incident. Excess-free glass cover is also included, along with taxi fares of up to $250 if your car can't be driven after a covered accident.
Covers your car for accidental damage, collision or crash, vandalism, theft, fire and severe weather. You'll also get a new replacement car if yours is written off within its first two years, tools of trade are covered up to and emergency repairs are covered Up to $800.
This covers you for accidental damage to your own car, fire, theft and a few other benefits. It's a basic level of cover so the benefit limits are lower.
All the protection of Third Party Property Damage, plus cover for your car if it's stolen or catches fire. You'll also be able to claim for hire care costs after a theft or attempted theft. Be aware, theft and fire expenses are only covered up to $10,000.
A basic level of protection covering you for accidental damage to other people's cars or property. You're also covered for towing costs and any damage to your car if the accident was caused by an uninsured driver.
Mandatory for NSW motorists, you need CTP insurance before you can register your vehicle. CTP covers medical costs for people injured in road accidents. It doesn't offer any cover for your property or vehicle - only injuries.
The specific benefits of this bespoke cover depend on a vehicle's make and model, as well as any special features it might have. Cars can be covered for wedding hire, special occasions, hobbies or recreation, but not if you use it regularly or drive it more than 9,000km a year.
I have two car one 2013, other 2014, I am looking for together two car insurance
Hi Bindhu,
Thanks for your question.
If you would like to receive a quote from one of the providers in our panel, please head to our car insurance home page. Please make sure to read the eligibility criteria, features and details of the policy, as well as the relevant Product Disclosure Statement of the policy before making a decision and consider whether the product is right for you. If necessary, speak to the insurance brand to verify any details.
I hope this was helpful,
Richard
Do I still have a current car policy with you?
Hi Jack,
Thanks for your question. finder.com.au is a comparison service and not an insurer. If you would like to contact NRMA about your car insurance policy, they can be reached by calling 13 11 22.
I hope this was helpful,
Richard
My car, building, contents is insured with NRMA so I get multi discounts on all items insured. If I make a claim on my car will this affect my other policy discounts?
Hi Debbie,
Thanks for your question. Apart from the no claims bonus, making a claim shouldn’t affect the other policy discounts. For example, any claims you make will not affect your Loyalty Discount level. For more information, you may want to contact NRMA directly.
I hope this was helpful,
Richard
How much to I have to pay the hail repairer ?
Hi Melissa,
Thanks for your question. Unfortunately, finder.com.au is a comparison service and not an insurer. If you would like to speak with NRMA about an existing claim or for more information about its cover, you can reach them by calling 1300 126 837.
I hope this was helpful,
Richard
Is mechanical failure covered under comprehensive insurance?
Hi Amy,
Thanks for your question. According to the NRMA Comprehensive Car Insurance PDS, NRMA does not cover mechanical, structural, electronic or electrical failures.
I hope this was helpful,
Richard