When you take a new ride or get behind the steering wheel, you may want to check your car insurance in advance. Compulsory third party (CTP) insurance has different levels of cover to consider with state-based variations that you need to drive legally on Australian roads. Then there are third party property damage car insurance that can help cover some repair costs if you damage another person's vehicle and property.
But if you follow a policy that also insures your own wheels, you may want to compare comprehensive car insurance. Mozo tracks and compares comprehensive policies with different types of coverage and features from more than 50 car insurance providers.
When it comes to this comprehensive type of cover, many insurance companies allow you to tailor the coverage to your situation and budget. These include rewards for those who do not drive frequently, such as pay-kilometer car insurance, being an alternative and safer driver, having a fuel-efficient car, and having multiple policies with the same provider. Car insurance discount.
But with so many options, there may not be the best car insurance option for everyone. Depending on how you exclude data, pricing and policy inclusion, there are several ways to determine which car insurance policies are best.
To highlight some of the top prices and best quality car insurance options, we've collected information on various policies for you to check out. Some have won the Mojo Award and there are other great deals that the Mojo team wants to tell you more about.
The best car insurance for November 2021
best car insurance australia 2021/22
- Budget Direct Gold Comprehensive Car Insurance
- Huddle Comprehensive Car Insurance
- Woolworths Comprehensive Car Insurance
- Virgin Money Comprehensive Car Insurance
- Rollin' Comprehensive Car Insurance
- Bingle Comprehensive Car Insurance Policy
- Shannons Comprehensive Motor Vehicle Insurance
- Youi Comprehensive Car Insurance
- Stella Comprehensive Car Insurance
- Australia Post Comprehensive Car Insurance
- Qantas Comprehensive Car Insurance
Each year Mozo's team of expert researchers and data analysts conducts a comprehensive evaluation of the comprehensive car insurance policies available in Australia. They collect publicly available pricing and policy information to evaluate each offer in terms of price and quality so that they can provide exceptional policies in the Mojo Expert Choice Award 6.
In 2021, they analyzed the features of 69 car insurance policies from 57 different providers and determined the price based on 10,000 unique quotes. You can view the full list of winners and read more about the decision-making criteria on the Mojo Expert Choice Car Insurance Awards page, or get started by checking out some of the award-winning policies below.
1# Budget Direct Gold Comprehensive Car Insurance*
- 15% buy-online discount
- New-for-old replacement (see conditions below)
- Not-at-fault rental car cover
Key Features of the Policy: Budget Direct is Mozo's 7 Best Price Insurance Provider of the Year, and it is providing top-notch cover at the show, along with multiple car insurance rewards. This policy has useful features that allow you to drive as easily as a rental car cover for 14 days after a theft or faultless accident (up to $ 1,000 total). You will also be covered for a new car replacement for the old car (when the car is less than two years old or has driven less than 40,000 kilometers), $ 500 for personal property cover and $ 1,000 for replacement keys. By applying for a policy online you can get a premium discount of 15% on your first year cover.
2# Huddle Comprehensive Car Insurance*
- Pay-per-km policy option
- New-for-old car replacement (under 2 years old)
- 24/7 online claims lodgement
Basic Policy Features: The Haddle's Way-Support-U-Drive Policy Option is one of its specific wealth-saving features. If you drive less than 15,000 kilometers per year, HDL reaches 30% at the annual premium. The coverage limit for specific items is still generous. For personal property in the policy, for $ 500 and especially for child security seats and praying up to $ 500 for theft and replace the key and key to replace the keys. If you are far more than 200 kilometers from home, then it comes with $ 500 for travel and housing costs after the accident, as well as to cover the proper tawing cost. And if your car is closed right, then the hood will change it with a new (unless the car is less than two years and you are the original registered owner, or there was a dealer performing model during buying).
3# Woolworths Comprehensive Car Insurance*
- Drive Less, Pay Less policy option
- 15% buy-online discount
- New-for-old cover (under 2 years)
Key Policy Features: Ulysses drive less, pay less policy option offers premium discounts for driver sets and stays below the annual kilometer limit. There are several useful policy points, including a sub-limit of up to $ 500 for personal property and up to $ 1,000 for replacement of stolen keys and locks. Also, this policy provides the benefit of replacing old cars if your wheels are off (as long as the car is less than two years old) and if you get a discount of up to 15% on your first year premium. . Apply online.
4# Virgin Money Comprehensive Car Insurance*
- 15% buy online discount (for the first year’s premium)
- Up to 15% no claims discount
- Automatic hire car cover after theft or not-at-fault accident
Policy Highlights: In case of emergency you will be well taken care of by Virgin Money Comprehensive Car Insurance Policy. It covers travel and accommodation costs up to $200 (maximum $1,000) per day after the accident, and $500 for emergency repairs to get your wheels back on the road, as well as a rental car for up to 14 days. Cover (max $1,000 $1,000) to keep you going. Rental car coverage is included as standard after a theft or deviation accident, but only an optional addition for a deviation accident. If you apply for the policy online, you will get a discount of 15% on your first annual premium. And if you keep a clear claims record, you can create a no-claim exemption of up to 15% (this will keep increasing every year you don't claim at fault, but can be reduced if you do claim Is).
5# Rollin' Comprehensive Car Insurance*
- Monthly premiums available at no extra cost
- $0 excess for windscreen cover
- Simplified excess
Key Principle Features: Formerly known as Poncho Car Insurance, Rollins' goal is to keep the cover as simple as possible by paying monthly without any additional cost and you can cancel the cover at any time without penalty. The comprehensive policy covers damage to your vehicle in the event of an accident, storm or theft, and if the odometer is less than 15,000 kilometers of Rollin, your car will be replaced after a written stop with a new comparable model. If you damage your windscreen or window glass, you will be repaired without paying extra. And for other claims types, you'll be looking at the extra $ 800 for all listed drivers, making it a good option for drivers under the age of 25 who may otherwise face the excess of extra young drivers (just keep in mind that listed drivers still face Up to $ 3,000 (extra).
