info centre

Your Bingle policy does not cover you for emergency costs if your car has broken down.

Most people want their asset adequately covered and that’s what comprehensive car insurance does.

It’s also the only policy that Bingle offers and they deliver it to you at the lowest price possible.

With Bingle’s comprehensive car insurance policy your car is covered for any accident damage or if it’s stolen, as well as for up to $20 million dollars worth of damage that you may cause to other people’s property when using your car.

It is important that the information you give us is honest, correct and kept up to date, as failure to do so can mean Bingle may refuse to pay any claim you make. Simply login to your policy through bingle.com.au and check to make sure all your information is correct. And note that changing your information may affect your premium or policy cover.

Bingle only refunds your excess if they agree that the driver of your car did not cause or contribute to the accident, and you provide them with:

- the responsible party’s name and address,
- the registration number of any motor vehicle involved, and Bingle are successful in recovering the amount they’ve paid under the claim.

You are covered if your car is being driven while being serviced or repaired.

You are covered for a learner driver, as long as a fully licensed driver, who is listed on the policy, accompanies the learner driver, and so long as the driving lesson is not a paid lesson. No additional premium is required and the learner driver does not need to be a listed driver on your policy.

If your car is accidentally damaged while a learner is driving, Bingle treats them like a listed driver and therefore the listed driver excess applicable to their age will be payable.

If your learner continues to drive your car after gaining their probationary licence, they will need to be listed as a driver on your Bingle policy, otherwise the unlisted driver excess will be payable in the event of any car accident claim they make.
 

Everything is done online, so if you need to make any changes to your policy all you need to do is log on and follow the prompts. Bingle will always be very clear about the changes you make and will always tell you if those changes are accepted or not; and what affect they will have on your premium, if any.

You are covered for off-road driving. This does not include if your car is being used or tested in or for a race, trial, test or contest or if your car is being used on a competition circuit, course or arena.

You are covered for private use. You are also covered for business use as long as your car is not used for any of the following business purposes:

- For delivery or transport of goods
- As a vehicle for hire
- As a taxi or limousine
- As a courtesy or demonstration vehicle
- For paid driving instruction
- For security patrols

Your Bingle policy does not provide any type of rental car benefit, either when your car is stolen or involved in an accident. If you do ever want a hire car, there are plenty of competitive offers around – you’ve already proved that you’re capable of tracking down a good deal!
 

Tools of trade are not covered under a Bingle car insurance policy. You will need to consult a specialist insurer to cover any tools of trade you carry in your car.

Bingle does not cover damage to your trailer or caravan when your car is towing it. Your Bingle insurance is for your car only. However, Bingle’s cover does include legal liability cover for property damage caused by the use of a caravan or trailer attached to your car.

If you make a claim for a windscreen you are required to pay your excess. If the cost of replacing the windscreen is less than your excess then it may not be economical to lodge your claim with Bingle. If your windscreen needs replacement, you should first obtain a quote or two and then decide if it is worthwhile to claim.