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Excellent
Based on 6867 reviews on
Car Insurance Offers
TrueCover provides quality, affordable car insurance, designed for seniors, not profit.
Australian Call Centre
24/7 Claims Support
Roadside Assistance
Offer: Price Beat for eligible claim-free drivers. Use code ‘SENIORS’. T&Cs apply.
Everyday Car Insurance from Woolworths provides quality cover that you can tailor to your needs, with flexible choices for you and your car.
Save up to $320 a year with Drive Less Pay Less*
24/7 emergency claims assistance
Lifetime guarantee+ on car repairs authorised by Hollard
Offer: Everyday Car Insurance customers receive 10% off an in-store Woolworths shop every month°
Qikio is underwritten by Adica, part of MS&AD, a Top 10 global insurer.
Agreed Value
Accidental Damage
New for Old (First 24 Months of registration)*
PD offers simple car insurance with useful features and extras.
Online Management
Emergency Repairs
Accident Damage
What's new in car insurance?
Stay informed about the latest developments in car insurance to make smarter decisions.
- Rising Premiums and Modern Car Costs
Advanced technology in modern cars has increased repair costs, pushing up premiums.
Electric and hybrid vehicle insurance costs are rising due to specialised repair requirements. - EV-Specific Challenges
New EV models (e.g., Cupra Born, Kia EV3) are influencing policy options and premiums.
Industry experts call for government investment in EV mechanic training to reduce repair and insurance costs. - Telematics for Personalised Premiums
More insurers are adopting telematics, offering customised premiums based on driving habits.
This is ideal for safe drivers seeking to lower their costs. - Consumer Savings Tips
Shop around, review policies, and look for discounts to offset rising premiums.
Consider bundling car insurance with other policies or opting for a higher excess for better rates.
Last updated 15 December 2024*
What's the difference between types of car insurance?
Compare Club makes it a breeze to compare your options and find a better car insurance policy that suits your needs and budget.
Protects against damage to your own vehicle and other vehicles or property, regardless of fault.
Inclusions: Theft, fire, vandalism, accidental damage, and third-party liability for property or vehicle damage.
Optional Extras: Roadside assistance, windscreen replacement (varies by policy), and hire car coverage while your car is repaired.
Does not cover: Wear and tear (aging, breakdowns, maintenance) and uninsured incidents such as driving under the influence, unapproved vehicle modifications, or unauthorised usage
Provides liability protection plus coverage for fire damage and theft of your car.
Inclusions: Third-party liability for property and vehicles, fire damage to your car, theft, and attempted theft.
Optional Extras: Hire car cover, windscreen replacement, and roadside assistance.
Does not cover: Your car in accidents if you are at fault, wear and tear (aging or breakdowns), and personal belongings unless specifically included.
Affordable protection for damage caused to other vehicles or property.
Inclusions: Third-party liability for property and vehicles and legal costs if you’re sued for damages.
Optional Extras: Roadside assistance, hire car cover, and uninsured driver cover (up to $5,000 for repairs if hit by an uninsured driver).
Does not cover: Your own car (no repairs or replacement), theft, fire, or damage caused by natural disasters.
Why Australia loves saving money with Compare Club
Excellent
Based on 6867 reviews on
Product Knowledge
I was contacted by a male representative who reviewed my health cover and it was agreed I was on the best combined plan for my needs. Of concern is that I was informed I was NOT covered for "Joint Replacement" with HCF which surprised me as 18 mths ago I had an Ankle Replacement which HCF covered. I highlighted that in my opinion, and limited medical knowledge, the ankle is indeed a joint! I was put on hold while the representative took advice but the good news is that my cover did indeed cover Joint replacement. I appreciate that the procedure I underwent is new and maybe the guidance paperwork the representative referred to requires updating! I was then transferred to a female to discuss my energy plans. She could not have been more patient and helpful and appreciated totally I had been cold called and did not have the info to hand to answer her questions without some "Digging". We got there, due to her patience and understanding of the situation, and I I am delighted with the result. I apologise for using "Male/Female" as usually I record names. I will use IInet as an example that when I call I am always sent an email providing the name of the representative and invited to provide personal feedback. This maybe something Compare Club would wish to investigate. Many Thanks Mel
Melvyn Jones
Edward explained everything I needed to…
Edward explained everything I needed to know with a very clear voice which is difficult to experience these days.
Vivien Rusciano
Edward was extremely helpful and filled…
Edward was extremely helpful and filled me with confidence that it wasn't just a sales pitch. He made sure that I had taken in all the details so that there were no surprises. I felt he was really trying for a win-win experience all round and that he would be available to help in the event of any hiccups. So far none, which is great. Thank you all!!
Felix
The gentleman I spoke to was very…
The gentleman I spoke to was very helpful and polite. He took his time to really find out what I wanted in a health fund so the policy met my needs. I also appreciated the follow up provided.
Leesa Dunshea
Solo parent + 2
I have always been hesitant to take these calls but turns out that may have been a very silly decision on my part. This was the most seamless and easy process which although didn't save me anything in $ value, found me a much better hospital & extras policy than I currently had, without costing me anything more. Win, win!
Julie
The consultant explained the process…
The consultant explained the process and provided options for electricity and gas suppliers. He indicated that the process did not include all suppliers but based on my current costs he recommended separate suppliers for gas and electricity. I have to assume that the information provided was the best available and to my benefit.
Brian
Informative service person
Informative service person
Jude
Helpful
Helpful, attentive chap who seemed to try & organize the best deal for me!
Rob Stricker
Meet our car insurance expert, Paul Coughran
Paul Coughran is the general manager of emerging verticals at Compare Club. Paul has over 20 years of experience across a wide range of industries including Banking and Finance, Telecommunications and Energy. Paul leads a team of trusted experts dedicated to helping individuals make informed decisions about their insurance and utilities needs.
Paul's top tips for car insurance:
- Regularly compare your insurance policies. You could be paying for cover you don’t need. Shopping around every so often can save you a fair bit, maybe even hundreds each year.
- Don’t just look at the premium, check the excess too. While a higher excess might bring down your premium, remember you’ll have to fork out more if you do need to claim.
- Double-check what’s included in your policy. Extras like windscreen cover or roadside assistance might not be part of the deal and could cost you more.
- If you don’t drive much, consider usage-based insurance. Some policies base your cost on how much you actually drive, if you work from home or only use your car for short trips this might be a much better option.
Car Insurance FAQs
Common questions about car insurance. Here are some of the most frequently asked questions we receive about car insurance:
The cost of car insurance is different for everybody. Your insurer will ask a handful of questions to determine the level of risk they would potentially take on when insuring you. These include:
- Your age and gender
- The make, model, and even the colour of your car
- Where you live
- How far you drive each year
- Where you park your car at home
- How long since you past your test
- Your claims history
- Number of demerit points
In the same way that the cost of car insurance is heavily influenced by who you are and how you drive, the best car insurance for you depends on… well, you.
There are a lot of different insurers and some of them offer cover for a very specific type of driver.
There are insurers who specialise in cover for prestige cars, while others focus on affordable cover for customers who don’t drive very often, but most insurers will calculate your premiums based on how risky they believe you will be to cover.
This means that choosing the best policy for you often comes down to comparing policies from different insurers.
If you have a handful of quotes from insurers you trust, you can then work out the best deal for your vehicle.
This means you can pay less for driving less — a bonus for anyone shifting their work habits or staying at home more.
There are a lot of different insurers and some of them offer cover for a very specific type of driver.
There are insurers who specialise in cover for prestige cars, while others focus on affordable cover for customers who don’t drive very often, but most insurers will calculate your premiums based on how risky they believe you will be to cover.
This means that choosing the best policy for you often comes down to comparing policies from different insurers.
If you have a handful of quotes from insurers you trust, you can then work out the best deal for your vehicle.
- Price
- Level of cover
- Customer and industry ratings
This means you can pay less for driving less — a bonus for anyone shifting their work habits or staying at home more.
-
Market Value
- This is a fixed amount that you and your insurer agree on when you first take out the policy.
- It offers certainty, as you’ll know exactly what you’ll get in the event of a total loss. However, this option typically comes with higher premiums.
- If you choose an agreed value of $30,000 for your vehicle and it is declared a total loss, your insurer will pay that amount (minus deductions).
- Note: Keep in mind that the agreed value may reduce each time you renew your policy, as vehicles generally depreciate over time. Always check your yearly renewal to confirm your new agreed value, and if you feel it’s unfair, discuss it with your insurer.
-
Agreed Value
- This reflects the current sale value of your car at the time of the accident or claim.
- While it usually leads to lower premiums, the payout amount can fluctuate based on the depreciation of your car, meaning it’s often less predictable than agreed value.
- If you purchased your car for $30,000, it might be worth $25,000 after two years due to depreciation. The payout will be based on this market value if it's declared a total loss.
- This option offers lower premiums, but payouts depend on depreciation. In some cases, your car’s value may exceed expectations—research before deciding.
There’s no need to change providers every year if you’re happy with your current policy but you should regularly compare prices to ensure you’re getting the best level of cover at a competitive rate.
But if you’ve moved house or changed your lifestyle, such as commuting less or your car is now parked in a garage, it’s important to let your insurer know because it could lead to lower premiums.
Quickly comparing online with online Compare Club can help you find a policy that’s right for your household.
It’s important to note that you don’t necessarily need to wait until your renewal date to compare policies.
But if you’ve moved house or changed your lifestyle, such as commuting less or your car is now parked in a garage, it’s important to let your insurer know because it could lead to lower premiums.
Quickly comparing online with online Compare Club can help you find a policy that’s right for your household.
It’s important to note that you don’t necessarily need to wait until your renewal date to compare policies.
The short answer to this is yes. Insurers tend to view younger, newer drivers as more risky to insure and price their premiums accordingly as young drivers, males especially, are more likely to be involved in an accident or driving offence like speeding*.
Not every young driver will pay the same and premiums will vary on a range of cover, but younger drivers may pay more for standard comprehensive car insurance than those in higher age brackets.
You may be able to reduce some of these costs by being added as an extra driver to your parents’ insurance. It’s worth comparing to see if this works out cheaper than taking out your own policy.
*Queensland Government, Young Drivers, accessed 20.09.21
Not every young driver will pay the same and premiums will vary on a range of cover, but younger drivers may pay more for standard comprehensive car insurance than those in higher age brackets.
You may be able to reduce some of these costs by being added as an extra driver to your parents’ insurance. It’s worth comparing to see if this works out cheaper than taking out your own policy.
*Queensland Government, Young Drivers, accessed 20.09.21
Finding the right insurance for your age ultimately comes down to comparing policies from leading providers based on your car make/model and other lifestyle factors. ‘Specialist’ providers often service vintage or prestige cars and worry less about age.
But there are insurers who offer better prices for younger or even older drivers. Comparing cover with a site such as Compare Club is one of the quickest and easiest ways to find a suitable policy at a price that won’t break the bank.
But there are insurers who offer better prices for younger or even older drivers. Comparing cover with a site such as Compare Club is one of the quickest and easiest ways to find a suitable policy at a price that won’t break the bank.
A no claims bonus or discount is a reduction in your comprehensive car insurance premium after a period of not claiming. It’s a way of rewarding safe drivers and recognising those who don’t make at-fault claims.
Under the no claim bonus scheme, your discount generally increases with each claim-free year, up to a maximum of around five years.
Different insurers may offer different discounts and different maximum discount levels. Typically, this is around 2-3 percent in the first year, and this can increase to around 15 percent after five years, although some insurers may have different limits.
Other factors which can impact the rate at which you earn your discount are your driving history, your rating from previous insurers and any claims made by other drivers on your policy.
Some insurers increase the cost of your premium if you have a minor accident, even if you’re not at fault, while others offer no claims bonus protection as a paid extra, which means your premium isn’t affected when you make a claim. This can be costly and may even work out as more than your annual premium increase, so you may not actually save money by switching insurers.
Finally, although some providers will allow you to transfer your no claims discount when starting a new policy or moving to a new provider, it’s important to regularly shop around, ask questions, and check you’re getting the best deal.
After all, a new policy with a different insurer may work out as better value than a high rating and maximum discount with your old one.
Ready to compare? Get started today.
Under the no claim bonus scheme, your discount generally increases with each claim-free year, up to a maximum of around five years.
Different insurers may offer different discounts and different maximum discount levels. Typically, this is around 2-3 percent in the first year, and this can increase to around 15 percent after five years, although some insurers may have different limits.
Other factors which can impact the rate at which you earn your discount are your driving history, your rating from previous insurers and any claims made by other drivers on your policy.
Some insurers increase the cost of your premium if you have a minor accident, even if you’re not at fault, while others offer no claims bonus protection as a paid extra, which means your premium isn’t affected when you make a claim. This can be costly and may even work out as more than your annual premium increase, so you may not actually save money by switching insurers.
Finally, although some providers will allow you to transfer your no claims discount when starting a new policy or moving to a new provider, it’s important to regularly shop around, ask questions, and check you’re getting the best deal.
After all, a new policy with a different insurer may work out as better value than a high rating and maximum discount with your old one.
Ready to compare? Get started today.
Things you should know
Compare Club Car Insurance is an online financial comparison service and is owned and operated by Compare Club Australia Pty Ltd (ACN 634 600 007). Compare Club does not compare all brands or all products offered by all brands.
The financial products compared on this website do not necessarily compare all features that may be relevant to you. Please check with a financial professional before you make any major financial decisions.
Any advice given here is general and has been prepared without considering your current objectives, financial situation or needs. Therefore, before acting on this advice, you should consider the appropriateness of the advice having regard to those objectives, situation or needs.
You should consider the insurers PDS prior to making the decision to purchase their product. For more information please read our Financial Services Guide (FSG) which contains further information about how our service works and how we make money.
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Compare Club is an online financial comparison service and is owned and operated by Compare Club Australia Pty Ltd (CCA). CCA is a corporate authorised representative (AFS Representative number 001279036) of Alternative Media Pty Ltd (AFS Licence number 486326).
Compare Club does not compare all insurers or all products offered by all insurers. The financial products compared on this website do not necessarily compare all features and products in the market that may be relevant to you.
Any advice given here is general in nature and has been prepared without considering your current objectives, financial situation or needs. Therefore, before acting on this advice, you should consider the appropriateness of the advice having regard to your own circumstances.
You should consider the insurer's PDS prior to making the decision to purchase their product. For more information please read our Financial Services Guide (FSG) which contains further information about how our service works and how we make money. Before using our website, you must review our website Terms of Use and our Privacy Policy.
Please note that when we display quotes on our comparison results page, they are indicative and subject to change based on further questions by the insurer.
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