How to make a car insurance claim

1. Get your details ready

Gather any photos or documents you have related to the event.


2. Enter your details online

Use Bingle Self Service to claim and pay any excess.


3. We’ll assess the damage

If you have Comprehensive cover, we’ll work out if we repair your car, replace it, or pay its market value.


4. Track your claim

We’ll update you via SMS and email, but you can track your claim online at any time.


5. Get back onto the road

We’ll let you know once your car is ready or organise a payout if appropriate.


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

What you need to make a claim

To make a claim, you’ll need to provide the following details:

  • What happened, when and where
  • Any other people involved, including their name, address, phone number, and registration number
  • Any damage sustained, such as photos if you have any
  • A police report, if the loss or damage is caused by theft
  • The towing company, if your car was towed

You can still lodge your claim if you don’t have all your details sorted, but your claim may not progress until we get them.


How to lodge your claim when you’re not at fault

If you’re not at fault and you have the details of the other party, you can lodge a claim
and we’ll waive the excess.

Important: The future price of your premium may still be affected, as we take claims history into account
when working out premiums.


Claim online now

How to book your repair

There are two ways to book in repairs at an assessment centre or approved repairer:

To make a booking, you’ll just need to:

  • answer a few questions to give us a better idea of the damage, and
  • enter your suburb and select one of our authorised repairers from the list.

The repairers displayed are the closest to the home address on your policy, and the one with the first available booking will be shown at the top of the list. After selecting a repairer, you’ll be able to select a time to book your repairs. And don’t worry if something comes up – you can use Bingle Self-Service to change the date and time of your original booking to suit you!

If you’ve purchased our Keep Mobile as an Optional Extra, you’ll be prompted to book your eligible hire car once your vehicle is booked for repairs.

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

Need a tow from the scene of the accident?

If you have a Bingle Comprehensive Car Insurance policy and your car isn’t safe to drive after an accident, just ring us on 1300 735 640 and we’ll organise a tow for you 24/7. We’ll cover the reasonable cost of towing your car to our repairer or anywhere else we’ve agreed to.

If you have already arranged your own tow and you’re ready to claim, just provide us the name of the tow company and any invoices or paperwork. Provided your car was not safe to drive when you arranged the tow, we’ll sort the rest out on our end.

Arrange a tow Claim online now

Claiming with Bingle

Frequently Asked Questions

What’s an authorised repairer?

Quality repairs are important to us, which is why we use the same great nationwide repair network AAMI and Suncorp Insurance use.

Can I choose my own repairer?

You can't choose your own repairer, but that doesn’t mean we won’t ensure a quality job. That’s why we provide a lifetime guarantee on all repairs made by our network of authorised repairers.

How long after an accident can I make a claim?

There are a few reasons why you should lodge a claim as soon as possible after an accident.

  • The more information you can accurately give us about the accident, the better we can represent you if there’s a liability dispute.
  • Continuing to use your car after an accident might cause further damage or deterioration, and additional damages after the accident that won’t be covered under the initial claim.
  • The longer you take to lodge a claim, the more difficult it may be to assess damage and investigate the responsible driver.
  • When your policy is due for renewal, Bingle won’t be able to continue cover for your car if there’s pre-existing damage.
What happens if I wasn’t at fault but I don’t have the details of the other driver?

If you don’t have the name and address of the at-fault driver and registration number of the at-fault vehicle, you can still claim, but you may need to pay an excess.

If you can provide the at-fault driver’s details later during the claim process, we will refund the excess.

How do I follow up about my claim?

To check up on an existing claim log into Bingle Self-Service and select the policy you made a claim for. From there you can see the status of your claim. For more information, or if you are having trouble using self-service please read the Bingle Help Centre article on checking on an existing claim.

How do I make a complaint or general enquiry?

If you need to make a complaint or want to ask a question unrelated to a specific claim, email and include your claim number in the subject heading (if you have one).

Is my premium affected if I make a claim?

When you renew your policy, your premium may be affected as a result of you claiming – even if you're not at fault. This is because your claims history is one of the factors we take into account when we determine your premium.

How do I know if it’s worth making a claim?

Depending on the extent of the damage, your total excess may be more than it would cost to repair the damage. However, if you do decide to lodge a claim and the cost to repair the damage is less than your total excess, we’ll refund the difference.

What happens if my car is a write off?

If you've selected the New for Old option and your car's a total loss, we'll replace it with a brand new car of the same make and model if possible. This includes similar options, accessories or modifications, if available.

If it’s not possible to replace your car for a brand new one of the same make and model, we’ll supply you with a new car that is the nearest similar available make and model to your old one.

To decide what’s the nearest similar available make and model we consider:

  • engine size
  • transmission – automatic or manual
  • fuel
  • number of doors
  • air conditioning
  • length of the manufacturer’s warranty
  • seat coverings
  • category – economy, compact, intermediate, sedan, wagon, utility vehicle