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TrueCover car insurance review

One of the only car insurers in Australia that is for people, not profit. It also comes with roadside assistance – which usually costs you extra.

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TrueCover

Our verdict

Pros

  • Includes up to $400 in ambulance cover following an accident
  • Roadside assistance is included with third party and comprehensive cover
  • It's for people, not profit.

Cons

  • Reduced excess windscreen cover is optional, like most other insurers
  • You need to pay extra if you want your car contents covered

How does TrueCover compare with other car insurers?

TrueCover is one of the more comprehensive car insurers on the market. It covers everything you get with a typical comprehensive policy and a bit more. For example, you don't get roadside assistance included with most insurers, and we've never seen an insurer offer ambulance cover before. This is really helpful in most Australian states (ambulances typically cost over $1,000 and aren't covered by Medicare). TrueCover's ambulance benefit will cover up to $400 of the cost and extends to all passengers at the time of the accident, not just listed drivers.

Features

Name Product Choice of repairer New Car Replacement Roadside assistance Hail, storm and flood damage
TrueCover Comprehensive Car Insurance
  • If your car is written off in the first 1 year and has not travelled more than 10,000km
  • Finder's summary: Very comprehensive cover for lots of benefits you don’t get elsewhere, including roadside assistance and ambulance cover.

    ⭐ Current offer: Price beat offer on your car insurance renewal. Use code ‘FINDER’. For eligible customers only. T&Cs apply.

    Who it might be good for: Anyone who wants high quality cover.
    Budget Direct Comprehensive
    Optional
  • If your car is written off in the first 2 years or 40,000 km
  • Optional
    Finder's summary: The 2024 winner of our Best Value Car Insurance award. It's cheaper than most, plus you can lower costs by adding age restrictions.

    ⭐ Current offer: 15% off your first year's premium when you take out a policy online. T&Cs apply.

    Who it might be good for: Anyone who wants a good value policy.
    Youi Comprehensive
    Optional
  • If your car is written off or stolen in the first 2 years
  • Finder's summary: The 2023 winner of our Best Features Car Insurance award. Plus, it's one of the only insurers to automatically include roadside assistance.

    Who it might be good for: Those who want good customer service with lots of inclusions.
    NRMA Comprehensive
    Optional
  • If your car is written off in the first 2 years
  • Optional
    AAMI Comprehensive Car Insurance
  • If your car is written off or stolen in the first 2 years
  • Optional
    Finder's summary: AAMI's comprehensive policy includes cover for legal modifications and accessories and up to $20 million cover for damage to other people's property. Optional extras like windscreen and window glass cover is also available.

    ⭐ Current offers: Save $50 when you buy a new comprehensive car insurance policy online. T&Cs apply.

    Who it might be good for: Safe drivers can benefit from the AAMI Safe Driver Rewards® program.
    Allianz Comprehensive
  • If your car is written off or stolen in the first 2 years
  • Finder’s summary: Allianz is good if you want agreed value (this lets you agree on an amount to cover your car for). For a big insurer, it also has a strong customer service record.

    Who it might be good for: Anyone who wants good customer service and agreed value cover.
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    Compare TrueCover car insurance policies

    1 - 2 of 2
    Name Product Roadside assistance Accidental damage Storm Choice of repairer Agreed or market value Bonuses
    TrueCover Comprehensive Car Insurance
    Agreed or Market
    Price beat offer on your car insurance renewal
    Finder's summary: Very comprehensive cover for lots of benefits you don’t get elsewhere, including roadside assistance and ambulance cover.

    ⭐ Current offer: Price beat offer on your car insurance renewal. Use code ‘FINDER’. For eligible customers only. T&Cs apply.

    Who it might be good for: Anyone who wants high quality cover.
    TrueCover Third Party Property Damage
    Price beat offer on your car insurance renewal
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    What additional cover options are available?

    On top of standard inclusions, TrueCover has a few optional add-ons:

    • Hire car cover. If your car is involved in an incident, it will cover a hire car for up to 14 days, up to a daily rate of $50 per day. This is a similar level of coverage to other insurers, though some have a higher daily rate of around $70.
    • Car contents cover. It will cover up to $2,000 for the loss or damage to personal items during an incident. Some policies automatically include cover for personal belongings.
    • Windscreen cover. This will cover you for up to $1,000 for the repair or replacement of your front windscreen. TrueCover will reduce your excess to $50 for this.

    FAQs

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