How to make a car insurance claim

A young woman makes a Bingle car
            	insurance claim on her phone

Making a claim in three simple steps is easy:

  1. Lodge your claim online - we've made it simple! Step-by-step, as easy as 1-2-3.
  2. We assess the damage to your car.1
  3. We either repair or replace your car, or pay you its market value.2

We've explained the process below, so you know what you need and what to expect.


For life-threatening emergencies, call 000


What you'll need to make a claim

Not sure if you or the other party should make a claim? Find out more.

Please note: If the loss or damage is caused by theft, you should notify the police and obtain a report from them.

In the meantime you should lodge your claim. However it may not progress until we get those documents.

Need a tow from the scene of the accident? We can organise that for you.

Arrange a tow Claim now

How it works

Making a claim with Bingle is quick and easy. Here's how it works:

Making the claim online

  • You'll be given a claim number instantly.
  • You'll need to pay your excess upfront.
    Don't worry, we'll refund this to you if you're found to be not at fault.3

Paying the excess

  • With Bingle all claims need to have the excess paid up front. You can wait to pay your excess, but until it's paid your claim is a report only and might not proceed further.
  • To pay your excess, log into My Policy and select the 'pay excess' option. You can pay by Visa or Mastercard credit or debit card.

Assessing the damage

  • We assess the damage at an assessment centre, or an approved repairer. You can go online to book and change assessment locations and times to suit you.
  • You'll stay updated every step of the way by email or SMS so you'll never be left wondering where your car is at. You can also login and see the status of your claim at any time. Track your claim
  • We'll let you know if your car can be repaired or replaced or whether we'll pay you the market value of your vehicle if it's a total loss.2
  • If you've selected the New for Old option, and your car's a total loss, we'll replace your car with a brand new car of the same make and model, including similar options, accessories or modifications, if available.1

Our top-notch panel of repairers

  • Bingle will choose the repairer, authorise the repairs and ensure a quality job. Just so you know, you can't choose your own repairer. Quality repairs are important to us, and we have a national panel of top notch repairers - the same repair network as AAMI and Suncorp Insurance. We're so confident that we give a lifetime guarantee on all repairs.

Who should make the claim?

It's important to note that when you renew your policy, your premium may be affected as a result of you making a claim, even if you're not at fault.

If your car is damaged by a third party and therefore you're not at fault, you could consider lodging a claim directly through the responsible party's insurer. You'll avoid paying an excess upfront, your renewal premium won't be affected as a result of the claim and it can also help us to continue to offer you cheaper premiums.

If you'd prefer, or the responsible party doesn't have insurance, you can lodge a claim with Bingle, but you'll need to pay your excess upfront. Don't worry, we'll refund the excess in full if we decide that you or the person driving your car was not at fault, and you've provided the other party's details.3

To lodge a claim with the responsible party's insurer you'll need, the name and phone number of that insurer, and/or the responsible party's claim number.

If the cost of the damage is less than your excess, we'll refund the difference at the end of the claim.


How do I lodge a claim?

Claims can be lodged easily online at any time that's convenient to you. Simply login to My Policy using your Bingle login, or your policy number.

With Bingle all claims need to have the excess paid up front. Once logged in, select the 'pay excess' option and pay by Visa or Mastercard credit/debit card.

Do I have to pay an excess?

All claims, whether at fault or not, have to have their payment made up-front. Don't worry! If you're not at fault and have the at-fault drivers information, we'll refund this to you as soon as possible. You'll be prompted to pay it during the claim process, however you can pay it later should you decide to. A claim cannot proceed without the excess being paid.

How much will my excess be?

Do I need to lodge a claim?

If you have a Comprehensive policy, and have exchanged details with the other driver, you have two options - either make your claim with the other person's insurance company, or with us here at Bingle. If you choose to go through Bingle, we'll collect the excess at the time of lodgment. If you choose to go through the other insurer, they will not charge you an excess.

I had an accident and it wasn't my fault. What should I do next?

Still got questions?

To find answers to your questions, read all FAQs, go to our Help Centre, or use the Help widget on this page!