Finder car insurance rating

The Finder car insurance rating is a score we’ve given to Australian car insurers. It’s based on a combination of their pricing and their features.

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How is the Finder car insurance rating determined?

We looked at 42 Australian car insurance brands and gave each brand a total score based on how comprehensive their policy is and how much it costs.


To determine price, we got quotes for a male and female aged 19, 26, 40 and 66, making 8 drivers in total. Every driver lived in the same address in Sydney, NSW. They all drove the same vehicle, a 2018 Toyota Corolla. They drive 12,000kms a year, have an $850 excess, and are insured for market value where possible. Where market value isn't possible, we chose the default agreed value. They're a safe driver and haven't been in any accidents.

Please note that these costs aren't indicative of what you can expect to pay, but rather show how different insurance can cost across brands.


We separated our feature score into 3 components - a benefits score, a payments score, and a customer support score.

Below, we've outlined what features we analysed and their weighting.

Where possible, we've tried to keep our options as binary and given a score of 0 or 1. Where this isn't possible, we'll expand the scoring criteria. For example, if something is automatically included in a policy it will be scored a 2. If it's an optional extra it will be scored a 1. If the insurer doesn't offer any cover, they'll get a 0.

For instances where a $ figure is attached to a feature, we'll up weight those that have a higher dollar coverage. If it's an extra such as roadside assistance, we'll positively weigh those that have a lower cost.

The total score is then taken and converted into a 5 point scale to determine our star rating.

Keep in mind, some features may be more useful to you than others. Make sure you do a thorough investigation of any policy before buying to make sure that it suits your needs!

Benefits - 80% of overall feature scoreWeighting
Choice of repairer10%
Lifetime repairs guarantee4%
Emergency Accommodation, transport, and repairs (including the $ amount offered)11%
Hire Car after theft (including the $ amount offered)10%
Roadside Assistance (Included, not included, or an optional extra)8%
Roadside Assistance (Cost per year)5%
Windscreen Cover5%
New car replacement (How many years old can your car be)5%
Personal Effects (Including the $ amount offered)10%
Agreed or Market Value10%
Key Replacement ($)5%
Accidental Damage3%
Storm Cover3%
Flood Cover3%
Legal Liability3%
How many policies do they offer?5%
Payments - 10% of overall feature scoreWeighting
Adjustable excess20%
Monthly payment at no extra cost25%
Online Discount (%)25%
Online Discount ($)15%
Other discounts or offers15%
Application and Support - 10% of overall feature scoreWeighting
Can you claim on their app?15%
Can you claim online?10%
Can you claim on the phone?10%
Do they offer instant claims approval?15%
Do they have a chat feature on their website?20%
Do they offer 24/7 phone assistance?15%
Can you get an online quote?15%

What brands did we compare?

  • 1300 Insurance
  • 1st for Women
  • AAMI
  • Allianz
  • ANZ Car Insurance
  • Australia Post
  • Australian Seniors
  • Australian Unity
  • Bendigo Bank
  • Beyond Bank
  • Bingle
  • BOQ (Bank of Queensland)
  • Budget Direct
  • Bupa
  • Carpeesh
  • CGU
  • Coles
  • Commbank
  • GIO
  • Guild Insurance
  • HBF
  • Huddle
  • Hume Bank
  • ING
  • Kogan
  • NAB
  • NRMA
  • Over Fifty
  • Ozicare
  • People's Choice Credit Union
  • Poncho
  • Progressive
  • Qantas
  • QBE
  • Real Insurance
  • St.George Bank
  • Stella
  • Suncorp
  • Virgin Money
  • Westpac
  • Woolworths
  • Youi

Why are customer reviews not included in this rating?

We are currently looking into ways to integrate customer reviews of brands into our ratings. The challenge with customer reviews is that provider A may have 1,000 reviews, while provider B only has 50 reviews. This makes it less accurate to compare the two due to difference in sample size.

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