Stella is currently in the process of refining its new car insurance product. If you're an existing customer, you should receive communication from them before your policy expires with information on what to do next.
You can save 17% on your premium if you pay annually.
Stella's comprehensive car insurance policy includes a new car replacement if yours is written off in the first 3 years of registration. Other insurers cap this at the first 2 years.
Stella will waive the excess if your car is damaged in a domestic violence incident - check the PDS for full details.
Cons
We compared 37 comprehensive car insurance policies. On average, 29 brands offered cheaper comprehensive cover than Stella.
Stella's product disclosure statement includes vague terminology like 'reasonable costs'. This makes it difficult to know exactly what exactly you're covered for.
Some common customisations aren't available. For example, you can't choose your own repairer and you can only insure your car for agreed value, not market.
Price
We compared hundreds of quotes from 37 different car insurance brands. On average, Stella was among the most expensive, with 29 brands offering cheaper car insurance. See how Stella stacks up below. Keep in mind, quotes depend on your personal circumstances so your own will differ to those below. This has been based on a fictional driver profile.
Stella exclusively offers comprehensive car insurance. If you're looking for third party or third party fire and theft cover - for example, your car may be low-value - you'll have to look elsewhere.
What additional cover options are available?
Stella offers some optional extras so you can strengthen your policy, if you prefer.
Roadside assistance. Australia-wide roadside assistance with unlimited call-outs 24/7, 365 days a year. Covers flat batteries, emergency fuel, flat tyres, lost or locked-in keys, towing, minor technical advice and more.
No-excess windscreen. Avoid paying an excess if your car's windscreen, sunroof or window glass is damaged in an insured incident and requires replacement.
Hire-car after at-fault accident. Extend your hire car benefits to include situations when you were at fault and your car is out of action. Reasonable costs are covered for up to two weeks.
Why you can trust Finder's car insurance experts
We're free
You pay the same as buying directly from the car insurer. Better still, we regularly run exclusive deals that you won't find on any other site – plus, our tables make it easy to compare policies.
We're experts
Our team of car insurance experts have researched and rated dozens of policies as part of our Finder Awards and published 330+ guides to make it easier for you to compare.
We're independent
Unlike other comparison sites, we're not owned by an insurer. That means our opinions are our own and we work with lots of car insurance brands, making it easier for you to find a good deal.
We're here to help
Since 2014, we've helped 300,000+ people find car insurance by explaining your cover options, simply and clearly. We'll never ask for your number or email. We're here to help you make a decision.
FAQs
Stella car insurance is underwritten by QBE.
Yes. Although Stella is a female-focused brand, it does insure men and has thousands of male customers.
To start the claims process with Stella, call 1300 633 811. Stella's claims team is available 24/7.
Nicola Middlemiss is a contributing writer at Finder, with a special interest in personal finance and insurance. Formerly a business and finance journalist, Nicola has written thousands of articles helping Australians better understand insurance and grow their personal wealth. She has contributed to a wide range of publications, including Domain, the Educator, Financy, Fundraising and Philanthropy, Insurance Business, MoneyMag, Mortgage Professional, Yahoo Finance, Your Investment Property, and Wealth Professional. Nicola has a Tier 1 General Insurance (General Advice) certification and a Bachelor's degree from the University of Leeds.
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