Finder Insurance Awards 2021

Methodology:

• The best health insurance provider was determined by awarding points to the winners and runners up of the gold/silver/bronze/basic awards.

Methodology:

• Products were assessed by averaging premiums (with a $500 excess) from all states and territories for four price categories: single, couple, family, and single parent.
• The 38 coverable treatment categories were assessed against the average price for each product, with policies offering the best value scoring the highest.

Finalists:

• HCF Hospital Gold
• HBF Gold Hospital

Methodology:

• Products were assessed by averaging premiums (with a $500 excess) from all states and territories for four price categories: single, couple, family, and single parent.
• The 38 coverable treatment categories were assessed against the average price for each product, with policies offering the best value scoring the highest.

Finalists:

• ahm classic silver plus
• Medibank standard hospital

Methodology:

• Products were assessed by averaging premiums (with a $500 excess) from all states and territories for four price categories: single, couple, family, and single parent.
• The 38 coverable treatment categories were assessed against the average price for each product, with policies offering the best value scoring the highest.

Finalists:

• HCF Hospital Bronze Plus
• Medibank Bronze Plus Progress

Methodology:

• Products were assessed by averaging premiums (with a $500 excess) from all states and territories for four price categories: single, couple, family, and single parent.
• The 38 coverable treatment categories were assessed against the average price for each product, with policies offering the best value scoring the highest.

Finalists:

• GMHBA Basic Plus Hospital
• Bupa Basic Plus Starter Hospital

RAC is a clear winner when it comes to cover for your four-legged friend, trumping brands such as RSPCA and Real Insurance. The brand came out on top on metrics such as value for money, features and member benefits and inclusions.

NobleOak offers award-winning life insurance that is completely tailored for you. Get covered for up to $15,000,000 and receive 2 months free when you buy the life insurance policy.

Finalists:

• Medibank Life Insurance
• HBF Life Insurance

NobleOak's income protection insurance covers 75% of your regular pre-tax income, up to $25,000 per month. Enjoy competitive premiums and a benefit period until age 65.

Finalists:

• TAL Income Protection
• Bendigo MaxLife Income Protect

With eight wins from twelve available categories across six states, Budget Direct takes out the overall best car insurance provider award. Budget Direct offers tailor-made cover for its customers to provide insurance that delivers on both value and features.

Methodology: Best car insurance brand

• Products were assessed by obtaining prices across 6 different age and gender profiles with an approximate $700-$850 excess.

With AAMI car insurance, new customers could get a $50 discount when they buy online. Plus comprehensive car insurance policyholders can benefit from its AAMI Safe Driver Rewards® and AAMI Skilled Drivers Course.

Finalists:

• Budget Direct Car Insurance
• Progressive Car Insurance

Methodology: Best car insurance – Value (NSW)

• Products were assessed by obtaining prices across 6 different age and gender profiles with an approximate $700-$850 excess.

Budget Direct offers a 15% discount on its first year premium when customers purchase its car insurance policy online. It's also able to identify safer drivers and offer them cheaper premiums.

Finalists:

• Virgin Money Car Insurance
• NRMA Car Insurance

Methodology: Best car insurance – Value (QLD)

• Products were assessed by obtaining prices across 6 different age and gender profiles with an approximate $700-$850 excess.

With Budget Direct, customers can get tailor-made cover by restricting their policy to drivers over a certain age. Plus when they buy online, they can save 15% on their first year's premium.

Finalists:

• AAMI Car Insurance
• Virgin Money Car Insurance

Methodology: Best car insurance – Value (SA)

• Products were assessed by obtaining prices across 6 different age and gender profiles with an approximate $700-$850 excess.

For an additional premium, Budget Direct lets customers customise their comprehensive car insurance by adding optional benefits to their policy. They could also get a 15% discount on their first year's premium when they buy online.

Finalists:

• Virgin Money Car Insurance
• NRMA Car Insurance

Methodology: Best car insurance – Value (TAS)

• Products were assessed by obtaining prices across 6 different age and gender profiles with an approximate $700-$850 excess.

Budget Direct's car insurance customers in Victoria saved $203, on average, when they switched to its comprehensive car insurance policy. Additionally, customers could also save 15% on their first year's premium when they buy online.

Finalists:

• AAMI Car Insurance
• Virgin Money Car Insurance

Methodology: Best car insurance – Value (VIC)

• Products were assessed by obtaining prices across 6 different age and gender profiles with an approximate $700-$850 excess.

Budget Direct customers in Western Australia saved $168, on average, when they switched to its comprehensive car insurance policy between 1 December 2020 and 31 May 2021. New customers could also benefit from up to a 15% no claims discount.

Finalists:

• Virgin Money Car Insurance
• Ozicare Car Insurance

Methodology: Best car insurance – Value (WA)

• Products were assessed by obtaining prices across 6 different age and gender profiles with an approximate $700-$850 excess.

Budget Direct customers in New South Wales could get a lifetime guarantee on authorised repairs for as long as they own their car. Comprehensive car insurance policyholders can add optional benefits for an additional premium.

Finalists:

• Allianz Car Insurance
• Hume Bank Car Insurance

Methodology: Best car insurance – Features (NSW)

• Products were assessed by obtaining prices across 6 different age and gender profiles with an approximate $700-$850 excess.
• 16 features were weighted and assessed for each product with the final score being an equal split of the features and price score.

NRMA is among the few car insurance brands that also offer cover for veteran, vintage and classic cars. New customers could get up to a 60% no claim bonus on their policy and the longer they stay with NRMA, the more they could benefit from its loyalty discount.

Finalists:

• Budget Direct Car Insurance
• Suncorp Car Insurance

Methodology: Best car insurance – Features (QLD)

• Products were assessed by obtaining prices across 6 different age and gender profiles with an approximate $700-$850 excess.
• 16 features were weighted and assessed for each product with the final score being an equal split of the features and price score.

Hume Bank car insurance policyholders can choose their own repairer at no extra cost. Eligible drivers can also take advantage of its safe driver discount. When new customers buy a comprehensive policy online, they could save up to 10%.

Finalists:

• Budget Direct Car Insurance
• 1300 Car Insurance

Methodology: Best car insurance – Features (SA)

• Products were assessed by obtaining prices across 6 different age and gender profiles with an approximate $700-$850 excess.
• 16 features were weighted and assessed for each product with the final score being an equal split of the features and price score.

NRMA car insurance customers who stay with the company for longer can take advantage of its loyalty discount. It also offers up to a 60% no claim bonus on a new policy.

Finalists:

• Budget Direct Car Insurance
• Hume Bank Car Insurance

Methodology: Best car insurance – Features (TAS)

• Products were assessed by obtaining prices across 6 different age and gender profiles with an approximate $700-$850 excess.
• 16 features were weighted and assessed for each product with the final score being an equal split of the features and price score.

Budget Direct customers can take advantage of its 24/7 claims service online or over the phone. They will also have the option to choose a higher basic excess to get a lower premium.

Finalists:

• Hume Bank Car Insurance
• GIO Car Insurance

Methodology: Best car insurance – Features (VIC)

• Products were assessed by obtaining prices across 6 different age and gender profiles with an approximate $700-$850 excess.
• 16 features were weighted and assessed for each product with the final score being an equal split of the features and price score.

Budget Direct customers in Western Australia can get a 15% discount on their first year's premium for a new policy purchased online. They also have an option to choose a higher basic excess for a lower premium.

Finalists:

• Hume Bank Car Insurance
• 1300 Car Insurance

Methodology: Best car insurance – Features (WA)

• Products were assessed by obtaining prices across 6 different age and gender profiles with an approximate $700-$850 excess.
• 16 features were weighted and assessed for each product with the final score being an equal split of the features and price score.

GIO is the best rated brand in NSW for car insurance. It had high scores for customer service, features and benefits, and value for money. GIO is recommended by 93% of Aussies in NSW.

Methodology: Best rated car insurance brands

We asked Australians to rate car insurance brands for value for money, customer service, and features and benefits. We also asked them to give an overall rating and asked whether they'd recommend the brand to a friend or family member.
Weighting:

• 50% overall rating
• Remaining 50% equally split between value for money, customer service, features and benefits, and recommendation score.

Youi is the best rated brand in QLD for car insurance. It had high scores for customer service, features and benefits, and value for money. Youi is recommended by 94% of Aussies in QLD.

Methodology: Best rated car insurance brands

We asked Australians to rate car insurance brands for value for money, customer service, and features and benefits. We also asked them to give an overall rating and asked whether they'd recommend the brand to a friend or family member.
Weighting:

• 50% overall rating
• Remaining 50% equally split between value for money, customer service, features and benefits, and recommendation score.

RAA is the best rated brand in SA for car insurance. It had high scores for customer service, features and benefits, and value for money. RAA is recommended by 94% of Aussies in SA.

Methodology: Best rated car insurance brands

We asked Australians to rate car insurance brands for value for money, customer service, and features and benefits. We also asked them to give an overall rating and asked whether they'd recommend the brand to a friend or family member.
Weighting:

• 50% overall rating
• Remaining 50% equally split between value for money, customer service, features and benefits, and recommendation score.

Allianz is the best rated brand in VIC for car insurance. It had high scores for customer service, features and benefits, and value for money. Allianz is recommended by 98% of Aussies in VIC.

Methodology: Best rated car insurance brands

We asked Australians to rate car insurance brands for value for money, customer service, and features and benefits. We also asked them to give an overall rating and asked whether they'd recommend the brand to a friend or family member.
Weighting:

• 50% overall rating
• Remaining 50% equally split between value for money, customer service, features and benefits, and recommendation score.

RAC is the best rated brand in WA for car insurance. It had high scores for customer service, features and benefits, and value for money. RAC is recommended by 92% of Aussies in WA.

Methodology: Best rated car insurance brands

We asked Australians to rate car insurance brands for value for money, customer service, and features and benefits. We also asked them to give an overall rating and asked whether they'd recommend the brand to a friend or family member.
Weighting:

• 50% overall rating
• Remaining 50% equally split between value for money, customer service, features and benefits, and recommendation score.