Compare Car Insurance

Side-by-side feature comparison of Australia's major car insurers. See what's included before you get a quote.

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Comprehensive Insurance Comparison

Showing all Australian insurers · 11 products

Feature	🦅 Allianz Australia Allianz Comprehensive	🟠 Bingle Bingle Comprehensive	💰 Budget Direct Budget Direct Comprehensive	🔷 GIO GIO Comprehensive	🔷 GIO GIO Platinum	🔵 NRMA Insurance NRMA Comprehensive	🏛️ QBE Insurance QBE Comprehensive	🟡 RACQ Insurance RACQ Comprehensive	🔴 RACV Insurance RACV Complete Care	☀️ Suncorp Insurance Suncorp Comprehensive	🟢 Youi Youi Comprehensive
Cost & Excess
Excess Range	$400–$2,000+ voluntary	Range of standard excess amounts	$500–$2,000 voluntary	$400–$1,500 voluntary	$400–$1,500 voluntary	$450–$1,500 voluntary	$500–$2,000 voluntary	$400–$1,500 voluntary	$400–$1,200 voluntary	$400–$1,500 voluntary	$250–$2,000+ voluntary
Online Discount	✓ Up to 15% online discount	No current discounts advertised	Online sign-up discount	✓ Up to 10% online discount	✓ Up to 10% online discount	✓ Up to 10% online discount	Online discount available	Online discount available	Not specified	✓ Up to 10% online discount	Personalised pricing (usage-based)
Multi-Policy Discount	10% multi-policy discount (car + home)	No multi-policy discount	Multi-policy discount available	Multi-policy discount (GIO home + car)	Multi-policy discount available	Multi-policy & loyalty discount available	Multi-policy discount available	Member discount; multi-policy discount	Multi-policy discount available	Multi-policy discount available	Multi-policy discount available
No Claim Discount	No claim bonus; protected no claim bonus option	No claim discount applies	No claim discount applies	No claim discount applies	No claim discount applies	Rating 1 system (max protection after 1+ claim-free years)	No claim discount applies	No claim discount with Rating 1 protection	No claim discount applies	No claim discount; rating system	No claim discount; Rating 1 protection
Coverage & Benefits
New Car Replacement	3 yrs New vehicle within 3 years; agreed value policies	—	2 yrs New vehicle within 2 years and under 40,000km	2 yrs Within 2 years; conditions apply	Lifetime Lifetime new car replacement if insured within 13 months of purchase and continuously renewed	3 yrs New or demo vehicle, written off within 3 years of first rego, under 3.5 tonnes	2 yrs New vehicle within 2 years; conditions apply	2 yrs New vehicle written off within 2 years; conditions apply	2 yrs New or demo vehicle, written off within 2 years	2 yrs Within 2 years of purchase; conditions apply	2 yrs New car replacement within first 2 years; conditions apply
Hire Car Included	✓ Yes	✗ No	✓ Yes	✓ Yes	✓ Yes	✗ No	✓ Yes	✓ Yes	✓ Yes	✓ Yes	✓ Yes
Hire Car Details	Optional Not-at-fault: hire car included; optional all-events add-on	Optional Optional add-on: Keep Mobile (hire car + copycat cover)	Optional Not-at-fault accident or theft: hire car included; optional at-fault add-on	Optional Hire car after not-at-fault accident; optional all-events add-on	✓ Hire car after any insured event included	Optional Optional add-on: hire car after any insured event, up to $75/day	Hire car after not-at-fault accident	✓ Up to $75/day for 21 days after insured event	Optional Not-at-fault: up to $60/day no limit; theft: $60/day for 21 days; optional add-on for all events	✓ Hire car after not-at-fault accident included	✓ Hire car after not-at-fault accident included
Roadside Assistance	✗ Not included (available as add-on)	✗ Not included (not available as add-on)	✗ Available as standalone or add-on (not included)	Optional Optional add-on (24/7 roadside recovery)	Optional Optional add-on (24/7 roadside recovery)	✗ Not included (separate NRMA Roadside product)	✗ Not included (available as add-on)	✗ Not included (separate RACQ Roadside)	✗ Not included (separate RACV Roadside)	Optional Optional add-on (24/7 roadside)	✓ Included as standard (24/7 roadside assist)
Choice of Repairer	✓ Your choice of licensed repairer (standard inclusion)	Insurer chooses repairer	Optional Optional add-on (choice of repairer)	Insurer chooses repairer (Platinum: choice of repairer)	✓ Your choice of licensed repairer	Optional Optional add-on (Any Repairer); default is NRMA Partner Repairer	Insurer chooses repairer	RACQ Selected Repairer (choice of repairer available)	Optional Optional add-on; default is RACV partner repairer network	✓ Your choice of licensed repairer (selected tiers)	Insurer chooses repairer
Windscreen Cover	Optional Optional Glass Pack add-on (saves ~$55/yr if not needed)	Not specified as standard	Not specified	✓ One free glass replacement/repair per year	✓ One free glass replacement/repair per year	Optional Optional add-on: $0 excess glass claims	✓ Windscreen cover included	✓ One free windscreen/window glass claim per year, no excess	Optional Optional add-on: excess-free windscreen/window/sunroof	✓ One free windscreen repair per year	✓ Windscreen cover included
Limits
Legal Liability	$20 million	$20 million	$20 million	$20 million	$20 million	$20 million	$20 million	$20 million	$20 million	$20 million	$20 million
Personal Items	✓ Up to $1,500	✓ Up to $500	✓ Up to $1,000	✓ Up to $1,000	✓ Up to $1,000	✓ Up to $1,000	✓ Up to $1,000	✓ Up to $1,000	✓ Up to $1,000	✓ Up to $1,000	✓ Up to $1,000
Valuation
Agreed Value	✓ Yes	✓ Yes	✓ Yes	✓ Yes	✓ Yes	✓ Yes	✓ Yes	✓ Yes	✓ Yes	✓ Yes	✓ Yes
Market Value	✓ Yes	✓ Yes	✓ Yes	✓ Yes	✓ Yes	✓ Yes	✓ Yes	✗ No	✓ Yes	✓ Yes	✓ Yes
Special Features
Rideshare Cover	✓ Yes	✗ No	✗ No	✗ No	✗ No	✓ Yes	✗ No	✗ No	✗ No	✗ No	✓ Yes
EV/Hybrid Cover	✓ Yes	✓ Yes	✓ Yes	✓ Yes	✓ Yes	✓ Yes	✓ Yes	✓ Yes	✓ Yes	✓ Yes	✓ Yes
Lifetime Repair Guarantee	✓ Yes	✗ No	✗ No	✗ No	✓ Yes	✓ Yes	✗ No	✓ Yes	✓ Yes	✓ Yes	✓ Yes
Get a Quote	Visit Allianz Australia →	Visit Bingle →	Visit Budget Direct →	Visit GIO →	Visit GIO →	Visit NRMA Insurance →	Visit QBE Insurance →	Visit RACQ Insurance →	Visit RACV Insurance →	Visit Suncorp Insurance →	Visit Youi →