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Comprehensive Car Insurance

Compare and find comprehensive car insurance with our panel of insurers to find a premium and cover that can meet your budget.

What is comprehensive car insurance?

Comprehensive car insurance covers your vehicle in the event of accidents, theft, fire and weather damage, as well as damage to other vehicles and property.

Comprehensive car insurance is different from other options in the market, including third party car insurance. Third party car insurance generally covers damage you cause to other people’s cars and property.

However, this premium difference can provide peace of mind as it may reduce the likelihood of out of pocket expenses if you’re on the most extensive level of cover, which is comprehensive car insurance.

Do I need comprehensive car insurance?

Good question!

As a general rule of thumb, it’s probably a good idea to consider comprehensive cover if you’ve got room in your budget, as this may save you headaches down the line having the most comprehensive cover available

If you decide to take out a car loan, the lender might require you to take out comprehensive car insurance as part of the contract you sign. This will vary depending on your lender..

What’s usually covered by
comprehensive car insurance?

While coverage can vary from insurer to insurer and policy to policy, comprehensive car
insurance generally includes the following:

Included as standard

Accident and collision damage to your vehicle and third-party vehicles

Theft and vandalism to your vehicle

Legal liability for damage or loss to third party property.

Fire, hail, storm, flood and weather-related damage to your vehicle

Towing

New car replacement (if the car is a write-off)[1]

Emergency transport & accommodation cover

Optional extras

No excess or reduced excess on windscreen damage.

Limited Hire car costs following an accident

Limited Hire car cost following theft (most insurers include this as standard cover)

Additional personal effects cover

Roadside assistance

Some insurers automatically include cover for new car if purchase brand new from a dealer within last 24 months.

How much does comprehensive
car insurance cost?

This is how the insurer calculates how much your car insurance will cost.
The cost depends on a range of factors, including:

Age

Younger drivers tend to pay higher premiums as they’re more likely to be involved in accidents.

Driving record and claims history

If you haven’t made an at-fault claim on your policy for a long time (or ever), you could save on your premium. The same goes for low-kilometre drivers.

Your car

Premiums vary depending on the type, make and model of your car.

Where you live and park

Your address and where you normally park your car can impact the cost of your premium. There’s a difference between parking in a garage and parking on the street, due to the risk of damage and theft happening to your car.

Excess

The higher your excess, the lower your premium will be.

When it comes to insurance, there's no such thing as "too much." No matter what your situation looks like, it’s always worth shopping around to see where you can find the best deal. That’s where our panel of insurers comes in. It could help you save significantly every year.

Comprehensive car insurance at a glance

Covers your car in the event of accidents, theft, fire and weather damage.

Generally the most extensive type of car insurance available.

Covers damage to third-party vehicles and property caused by your car.

Optional extras can include hire car cover, windscreen damage cover and more.

Want a great deal on comprehensive car
insurance? Compare Club can help.

There’s no need to spend hours searching for cheaper comprehensive car insurance.
Our panel of insurers means you can find great value policies in a matter of minutes.

Better value for money

Working within a budget? We’ll help you find the policy that makes your money go further.

Add-ons you’ll actually use

Looking for a hire car? Want nil excess for repairs or replacement of your windscreen? Our panel of insurers can help you with what you’re after.

Compare insurers side by side

Car insurance shouldn’t be complicated, confusing or full of jargon. Compare Club allows you to select from our panel of insurers the cover that meets your needs.

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. Comparisons are made on the basis of price only and different products may have different features.

The information on this page is opinion only. Please check with a financial professional before you make any major financial decisions.

GENERAL ADVICE WARNING: General Advice is advice that 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.

If the advice provided relates to the acquisition or possible acquisition of a new insurance policy you should consider the insurers PDS prior to making the decision to purchase their product. Information regarding the income we have been paid by the insurer for this transaction is available upon request. Compare club will received a fee from the insurer if you buy their product, this fee is normally a commission of up to 10% of the base premium. This pays for our service in obtaining data and providing our website to assist the insurer marketing their product.

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.

Quick and easyComprehensive Car Insurance