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Regardless of how the accident happened, you should tell Bingle and lodge your claim. All Bingle customers have an excess on their policy that needs to be paid at the start of the claim, regardless of whether the claim was your driver’s fault or not. In some circumstances Bingle will later refund your excess.

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.

Telling Bingle about your claim is easy and straightforward. You can either call Bingle or notify your claim online. Many companies make the process of making a claim complicated with lengthy forms to fill in and endless questions and approval processes. But it’s not as hard as they make out. For more details, visit our  make a claim page.

The majority of claims are for minor damage, such as a car park incident or a bump in the rear. They’re an annoyance and an inconvenience, and you just want to get your car fixed and get on with things quickly.

Bingle will ask you all the questions it needs to know about your claim; what happened to your car, details of the drivers and cars that were involved, details about the property that may have been damaged and whether your car needed towing. Then they’ll get you off to a repair shop to look after your car.

Sometimes your circumstances may be more complicated and you need more help from Bingle to manage your claim. In these cases Bingle will get in touch with you and will work together with you to ensure that your claim experience with Bingle is as stress free and efficient as possible.

You need to immediately report to Police the theft of your car or any malicious damage, including attempted theft. They will complete a Police report with you and give you a copy, or they will provide you with an event number. Bingle will ask for that report or event number from you.

If a person has been injured or a fatality has occurred Police must be notified.

At Bingle we know that having your car repaired to your satisfaction is one of the most important aspects of your insurance. After all, the benefits of having a lower premium can quickly be forgotten if you have hassles with your repairs. That’s why Bingle use their access to extensive repair experience to select approved repairers who are not only competitive, but also have a proven track record for the quality of their work. Bingle also backs the repairs it authorises with a Lifetime Repair Guarantee.

In remote areas not covered by Bingle’s approved repairers, they arrange the repair of your car in consultation with you.

Your Bingle policy covers your car for theft.

If your car is stolen, you need to report the theft immediately to the Police. They will complete a Police report with you and give you a copy, or they will provide you with a policy event number. Bingle will ask for that report or event number from you.

To lodge your theft claim, you can 'click to claim' to contact Bingle during our office hours, including weekends. Or simply login, select ‘Go to claims’ and follow the prompts. Visit our make a claim page to find out more. Bingle will help you understand what takes place after a theft. If your car is found within 14 days, is repairable, and they are satisfied that your claim is in order, Bingle will get it repaired.

If it is not found within 14 days, and Bingle are satisfied your claim is in order, they declare your car a write off and pay the amount covered.

Bingle’s policy covers the reasonable cost of towing your car to the nearest repairer or place of safety if it is damaged and cannot be safely driven.

The tow truck driver at the scene of the accident will give you their details and let you know where they will take the car (usually to a holding yard). Bingle will then ask for this information when you tell us about your claim.

Sometimes cars are so badly damaged that they would not be either safe or economical to repair. If, in Bingle’s opinion, the damage to your car is so great that it would not be safe or economical to repair, Bingle will declare your car a write-off or a total loss and pay the amount covered.