01.Introduction
We compare 44 comprehensive car insurance policies with value-based recommendations.
Our review has found that making small claims can end up costing you more money, as it often results in lost discounts and higher excess charges.
We've performed in-depth research into car insurance products including:
- scouring the terms and conditions for benefit limits, traps and exclusions
- surveying insurers for further details where possible
- customer satisfaction surveys
- premium price analysis
Car insurance is becoming increasingly complex. There are a multitude of cover options, and plenty of discounts on offer if you know where to look.
However, with so many insurers in the market, most people simply don't have the time to research the entire market and perform a proper comparison.
The result is a range of value-based recommendations for six scenarios (organised for each state and territory), full comparison tables so you can compare policies side-by-side as well as tips and strategies for finding the best car insurance for your situation.
On this page:
For more information about House and car insurance, see Insurance.
CHOICE's experts independently test a wide range of products and services to bring you unbiased reviews, product comparison tools and buying advice that is trusted by 140,000+ members.
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Car insurance providers compared
- 1Cover Prestige
- AAMI
- Allianz SureCover Plus
- ANZ
- APIA
- Australia Post
- BankWest
- Bingle
- Budget Direct Gold
- Bupa
- CGU
- Coles
- CommInsure
- GIO
- Kmart
- Myer
- NRMA Comprehensive (Qld)
- NRMA Comprehensive (NSW, ACT, Tas)
- NRMA Comprehensive Plus (Qld)
- NRMA Comprehensive Plus (NSW, ACT, Tas)
- One Path
- Progressive Direct
- QBE
- RAA
- RAC
- RACQ
- RACT
- RACV Complete Care
- RACV Comprehensive
- Real
- Pay as You Drive
- Australian Seniors
- SGIC Comprehensive
- SGIC Comprehensive Plus
- SGIO Comprehensive
- SGIO Comprehensive Plus
- Shannons
- St George
- Suncorp
- The Buzz
- TIO
- Virgin
- Westpac
- Youi
How we survey
CHOICE surveys insurers about their comprehensive car insurance features and quotes for different scenarios. Recommendations are based on features and premium. We score policies based on features such as:
- Hire car after incident
- New car replacement
- No-Claim Discount (NCD) structure
- Personal property and other benefit limits
- Standard features such as agreed value, choice of repairer and 24-hour helpline
Looking for additional insurance for your household? Visit our
home and contents insurance review for more details.
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