We pick policies with the highest CHOICE Expert rating that score well for cover and price.

The CHOICE expert score is based on our assessment of price and what the policy covers. It's made up of 60% cover score and 40% price score. A higher score is better. N/A means a price score wasn't available for this policy.

The score is made up of incident cover like emergency accommodation and transport and hire car (25%), insured events and legal liability (10%), new car replacement (15%), additional benefits like choice of repairer, windscreen cover, roadside assistance (25%), personal property cover (10%), Sum insured value and excesses (15%)

The higher the percentage score, the cheaper the policy compared to other products. This score is across all policies Australia wide, but premiums can differ a lot depending on where you live. Check the $ price rating for your region or state in our comparison table to find a closer price indication for your home. "N/A" means the insurer doesn't operate here, or doesn't participate in the premium sharing program we use to collect pricing data.

We surveyed customers to ask them about their claims experience with the insurer. This score represents the percentage of people who rated their experience as above average or excellent. N/A means there was no result for that insurer. This score does not contribute to the CHOICE Expert Rating.

We surveyed customers to ask them about their overall experience with the insurer. This score represents the percentage of people who rated their experience as above average or excellent. N/A means there was no result for that insurer. This score does not contribute to the CHOICE Expert Rating.

Find out what you need to know about this insurer.

The cooling off period is the time after purchasing when you can cancel your policy without penalty.

Whether the car can be insured for an agreed value, or whether it is insured for market value only.

A tick means this insurer doesn't charge a fee for paying monthly. A cross means this insurer imposes an extra administration fee for paying monthly. This is sometimes described as a discount for paying annually, but it amounts to the same thing.

The fewer dollar signs, the cheaper the policy compared to other products available in the state. "N/A" means the insurer doesn't operate here, or doesn't participate in the premium sharing program we use to collect pricing data.

The fewer dollar signs, the cheaper the policy compared to other products available in the state. "N/A" means the insurer doesn't operate here, or doesn't participate in the premium sharing program we use to collect pricing data.

The fewer dollar signs, the cheaper the policy compared to other products available in the state. "N/A" means the insurer doesn't operate here, or doesn't participate in the premium sharing program we use to collect pricing data.

The fewer dollar signs, the cheaper the policy compared to other products available in the state. "N/A" means the insurer doesn't operate here, or doesn't participate in the premium sharing program we use to collect pricing data.

The fewer dollar signs, the cheaper the policy compared to other products available in the state. "N/A" means the insurer doesn't operate here, or doesn't participate in the premium sharing program we use to collect pricing data.

The fewer dollar signs, the cheaper the policy compared to other products available in the state. "N/A" means the insurer doesn't operate here, or doesn't participate in the premium sharing program we use to collect pricing data.

The fewer dollar signs, the cheaper the policy compared to other products available in the state. "N/A" means the insurer doesn't operate here, or doesn't participate in the premium sharing program we use to collect pricing data.

The fewer dollar signs, the cheaper the policy compared to other products available in the state. "N/A" means the insurer doesn't operate here, or doesn't participate in the premium sharing program we use to collect pricing data.

Cover for your belongings inside the vehicle if it is stolen or damaged. Usually excludes cash or cards.

Cover for child seats, baby capsules, etc.

Cover for replacing and recoding keys. Most insurers only cover this after theft, but some also cover lost keys.

Cover for damaged or stolen trailers. Some insurers include caravans in this benefit. Trailers usually have to be under a size limit, and they're often only covered up to their market value.

If you're on the road and need to make a claim, your insurer might cover the costs of accommodation and transport to get you home or to your destination.

Cover for the cost of a taxi (or similar) from the scene of an accident, then to/from the hire car company and repairer.

Cover for towing from the scene of an incident.

If your car is written off in the first few years, some insurers will replace it with a similar new model.

Because replacing damaged glass often costs less than your excess, insurers may waive or reduce the excess for windscreen and window claims. Note the difference between repairs and replacements, as not all policies offer a reduced excess for replacements.

Roadside assistance can help you in the event of a breakdown, which your car insurance doesn't cover you for. Some insurers offer it as an optional extra, while others have it included by default with their policies. Some sell roadside assistance plans to the general public.

Cover for hire car costs if your vehicle is stolen (or damaged after attempted theft). Cover usually runs until your car is returned or the claim is settled as a total loss.

Cover for hire car costs if your vehicle can't be safely driven after being damaged in an incident where you are not at fault. Cover usually runs until your car is repaired or the claim is settled as a total loss.

Cover for hire car costs if your vehicle can't be safely driven after being damaged in any claimable incident. Cover usually runs until your car is repaired or the claim is settled as a total loss.

The basic insured events most policies cover.

Cover for damage you cause to others' property with your car. Some insurers also cover liability for injury and death to other people in cases where your compulsory third party injury insurance does not.