Our Comprehensive Car Insurance automatically insures most legal modifications and accessories that are permanently fitted to cars (i.e. tinted windows, sound systems etc). You don't need to let us know/list these specifically on your policy. Exclusions are listed when you get a quote.
Car Insurance
Choose from our two levels of straightforward, easy to understand car insurance – Comprehensive or Third Party cover.
Award winning car insurance
Bingle has won the Canstar award for Outstanding Value Car Insurance again. That’s 6 years in a row!
Types of Bingle Car Insurance products
At Bingle, we offer two kinds of car insurance – Comprehensive and Third Party.
Comprehensive Car Insurance
You’re covered for accidental loss or damage to your car caused by things like collision, theft, malicious damage, fire and hail.
Third Party Car Insurance
You’re covered for accidental damage caused by the use of your car to someone else’s car or property, but not to your own car.
Compare car insurance
Compare what’s covered under Comprehensive Car Insurance and Third Party Car Insurance to help you choose the cover that fits your needs and your budget.
What’s included with my insurance? |
Comprehensive |
Third Party |
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Damage to your car, up to market value |
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Damage to other people’s cars and property, in the event of an accident |
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$20m legal liability insurance |
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Damage to your car caused by nature, e.g. fire, flood and hail. |
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Towing and storage |
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Accessories and modifications |
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Lifetime guarantee on authorised repairs |
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Car theft and malicious damage |
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Optional extras |
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Unlimited windscreen and window glass cover |
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New for old This is available on cars less than 3 years old. For full inclusions and exclusions on optional extras, please refer to the PDS. |
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This table is just a summary. See the Product Disclosure Statement for full details of terms, conditions, limits and exclusions. The Target Market Determination is also available.
Why choose Bingle?
At Bingle we make car insurance simple
Here for you at claim time
Make a claim online 24/7. Simply register and log in to pay your excess, view up-to-date repair tracking and upload documents or photos.
Help at your fingertips
Bingle My Account allows you to make changes to your policy, so you can change your contact details, update your policy if you get a new car, and more.
Need to make a claim?
With Bingle, making a claim is simple. Step-by-step, as easy as 1-2-3.
Award winning
Bingle has been awarded the Canstar award for Outstanding Value Car Insurance every year from 2020 to 2024.
Optional extras for Bingle Comprehensive Car Insurance
With Bingle, you can add optional extras1 to your policy when you get a quote, when you’re midway through your policy term, or at renewal.
Windscreen and Window Glass Cover
Optional extra cover for your windscreen and windows means we will repair or replace your damaged windscreen and window glass without asking you to pay an excess – including your sunroof if you’ve got one.
Note this excess free claim only applies when your claim is limited to insured events where your windscreen or window glass is the only damage you’re claiming.
For full inclusions and exclusions on optional extras, please refer to the PDS.
Keep Mobile
Add optional Keep Mobile cover and while your car is out of action due to an incident covered by your policy, we’ll provide you with a hire car that we think is a similar make and model to your car so that you feel right at home.
Plus, Keep Mobile cover comes with copycat cover. This means that while we settle your claim, you will receive the same insurance cover for whatever car is being used in place of your car (limited to its market value). Whether the car belongs to your mum, your mate, or a car share provider, we don’t mind as long as you have their consent.
For full inclusions and exclusions on optional extras, please refer to the PDS.
New for Old Car Replacement
Who doesn’t love that new-car feeling? If your car is less than three years old at the start of your latest period of cover, and you’ve taken out optional New for Old cover, we’ll replace your car with a new car of the same model and make (where available) when you car is determined by us to be a total loss.
For full inclusions and exclusions on optional extras, please refer to the PDS.
In order to receive the benefit of an optional extra, you need to have your choice of extras added to your policy before the incident you’re claiming for. You cannot add an optional extra after an incident and have damage or loss covered for that same event.
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Frequently Asked Questions
Comprehensive Car Insurance covers you for accidental damage or loss of your car as well as damage to someone else's vehicle or property up to $20 million.
Third Party Insurance covers you for accidental damage that the use of your car causes to someone else’s property or car. You are not covered for any damage to your own car or for injuries to other people.
Bingle will insure your car for its market value. Your car includes keys and accessories or modifications permanently fitted to your car. Read the PDS or start a quote to see exclusions.
Market value means the amount that the market would pay for the car. It includes many factors such as your car's:
- make
- model
- age
- general condition, and
- kilometres travelled.
We may use recognised industry publications to help us calculate the market value.
Market value excludes costs of rego, Compulsory Third Party insurance and any stamp duty, transfer fees, dealer warranty costs and dealer delivery.
Depending on the age of your car and your policy cover, you may be able to use our New for Old option.
Comprehensive Car Insurance is our highest level of cover and not only responds to your liability for the accidental damage your car causes to someone else’s property or car, but also accidental loss or damage to your car.
If you only want to be covered for accidental damage to someone else's car or property, then Third Party Property cover may be for you.
Although Third Party Property insurance does not cover damage to your car, it may save you having to pay potentially expensive repair bills to someone else's car or property.
Still got questions?
To find answers to your questions, read all FAQs, go to our Help Centre, or click on Buddy, our online virtual assistant in the little green box at the bottom right corner of every page.
Get a Bingle Car Insurance quote today!
Bingle is Australian
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Car Insurance Reviews
1Optional extras benefits are subject to the terms, conditions, limits, and exclusions of the insurance policy. You can’t add optional extras after an incident and have damage or loss covered for that same incident. Optional extras must be added to your policy before the incident you’re claiming for. Please refer to the PDS for more information.
Accessories and modifications
Our Comprehensive Car Insurance automatically insures most legal modifications and accessories that are permanently fitted to cars (i.e. tinted windows, sound systems etc). You don't need to let us know/list these specifically on your policy. Exclusions are listed when you get a quote.
Hire Car
If we can't provide you with a hire car from one of our providers within a reasonable distance from your location, we will pay you up to $50 a day (including GST) to help you make your own travel arrangements. See PDS for more details.
New for old
This is available on cars less than 3 years old. For full inclusions and exclusions on optional extras, please refer to the PDS.
