What does Comprehensive Car Insurance cover?

Covers accidental loss or damage to your car, as well as your legal liability for damage to other people's cars and property that might be caused by the use of your car.

What am I covered for with Comprehensive Car Insurance?

What am I covered for?

    Cover for accidental loss or damage to your car

  • Driving accidents
    We cover your car if you get into an accident, as well as accidental damage to other people's cars and property if you're legally liable.
  • Fire, storm, flood, and more
    Cover for damage caused by weather events such as hailstorms, falling debris and other natural events, like earthquakes.
  • Theft and malicious damage
    We cover the cost of replacing or repairing your car if it's stolen, vandalised, or damaged by break-ins.
  • Ridesharing
    We'll cover your car when driving on rideshare apps like UberX, Lyft, Shebah, and more. List Rideshare as the use type when you set up your policy.
  • Towing & storage
    We cover the reasonable costs of towing your car to a repairer or safe place if it can't be driven after an accident.

Plus, legal liability for damage to other people's cars or property caused by the use of your car

  • Legal liability for damage up to $20 million.

And, if your car is a write-off

  • We'll pay you the market value of your car 1. Depending on the age of your car, our optional New for Old 2 cover might be available.

Here are some things we don't cover

  • General wear and tear
    We also don't cover breakdowns, dead batteries or flat tyres.
  • Injuries to you or other people
    Injuries are usually covered by mandatory Compulsory Third Party (CTP) Insurance.

Optional extras for Bingle Comprehensive Car Insurance

You can add extras when you get a quote, part way through your policy and at renewal. Of course, any optional extra needs to be on your policy before an event that you might need to claim for.

Cover for damaged windscreens and window glass. We'll cover the cost of repairs or replacements without you having to pay an excess. Includes windscreen, window and sunroof glass.

Optional Hire car cover means we'll arrange a hire car when your own is out of action because of an incident covered by your policy. We'll provide a similar make and model to your car (in our opinion) so you can feel right at home.

Plus, you'll get copycat cover. In a nutshell, copycat cover means that while we settle your claim, you'll have the same insurance cover which you normally hold for whatever car you're driving (limited to market value) while your car is unavailable - whether that's a hire car, your partner's car, your friend's car, and so on. Your listed drivers will also considered listed drivers on that car too.

That brand-new car feel is great isn't it? With optional New for Old replacement cover, if your car is a total loss, we'll replace it with a new car of the same make and model (where available). That way, you can still enjoy a sweet new ride. This is available on cars up to 3 years old.

For full inclusions and exclusions on optional extras, please refer to the PDS.

Why choose Bingle car insurance?

We put you in the driver's seat

Here for you at claim time

Make a claim online 24/7, and simply log in to pay your excess, view up-to-date repair tracking or upload documents and photos.

Help at your fingertips

Our online tools allow you to make changes to your policy, so you can update your contact details and policy if you get a new car, and more.

300+ repairers nationwide

We use the same repair network as AAMI and Suncorp Insurance, giving customers access to 300+ repairers.

No cancellation fees

You can leave any time you want, at no cost. Because we know waiting until next year won't cut it!

Our customers rate us!

Reviews from real customers


Note these reviews are based on people who indicated that they purchased a Comprehensive Car Insurance product with us.


What is Comprehensive Car Insurance?

Comprehensive Car Insurance covers you for accidental damage or loss of your car, as well as damage or your legal liability to someone else's vehicle or property up to $20 million. If you have a bingle or other mishap, Comprehensive Car insurance can get you back on the road and protect you from liability claims that other people might make for damage to their property caused by the use of your car.

What does Comprehensive Car Insurance cover?

Comprehensive Car Insurance covers loss or damage to your car, as well as your liability for the damage it causes to other people's property, including their vehicles. Your car is also covered for damage caused by hail, fire, theft, or vandalism.

Does Comprehensive Car Insurance cover hail, flood or fire damage?

We'll cover your car for damage caused by the elements, like hail, flood or fire – so long as you hold an active Comprehensive Car Insurance Policy at the time the damage occurs.

Only the Standard excess applies for these claims. We don't charge any additional Age or Unlisted Driver excesses, so you needn't worry about forking out any extra if the elements turn against you.

What do I do if I have an accident?

Safety first. Stay away from the traffic – stand on the footpath, or on the side of the road. Call emergency services on 000 if anyone's injured, or the road is blocked.

All our claims can be lodged easily online.

Once you're safe (or have made it home) you log in to My Policy Manager to make a claim.

How do I contact Bingle?

Bingle is an online-only insurer. We don't have costly call centres to pay for, which helps to keep our insurance premiums low. Our online Policy Self Service puts you in control of your policy, and you can update almost everything yourself, from changing drivers to updating your payment or contact details.

Take me to Policy Self Service

If you need some help, Bingle has answers to all your questions in our Help Centre (or in the Help widget on this page). For step-by-step guides on everything from cancelling your policy to paying your overdue instalments, it's all there!

Take me to the Help Centre

If you need to register a new email to access your policy, you can do that here.

If you don't know your policy number, our Policy Finder can help.

Does Bingle cover rideshare drivers?

Yes, Bingle covers rideshare driving, through apps like Uber, Shebah, Ola, and others. You just need to have the usage type correctly listed on your policy. You can do this when you get a quote or update an existing policy by logging in to self-service. Bingle does not offer cover for taxis, even if they are booked via an app.

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!

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Bingle is Australian

Find out more about NSW car insurance.

Queensland car insurance for Queenslanders.

More details about car insurance for Victorians.