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Comprehensive Car Insurance provides cover for when your car is stolen, for accidental damage or damage caused by natural disasters. It also provides cover for damage to other people's cars or property caused by the use of your car up to $20 million.
Things you're covered for:
Need more info? Visit our Comprehensive Car Insurance page to learn more about policy coverage and optional extras.
Bingle's Third Party Property Damage Car Insurance gives you protection if the use of your car causes damage to someone else's property. Bingle does not offer a Third Party Fire and Theft policy - this means if you want this level of cover, you might want to take a look at our Comprehensive Car Insurance.
Agreed value is the value of a car that a customer and an insurance company both agree on - it will stay the same for the term of the policy. At Bingle we don't offer agreed value - we only offer market value cover (comprehensive policies only). Market value means the amount that the market would pay for the car. The market value of the car includes many factors such as age, make, model, kilometres travelled and general condition of the car. The market value of your car can change over time. Depending on the age of your car you may want to add New for Old cover as an optional extra. With New for Old cover, if your car is a write-off we'll replace it with a brand new car of the same make and model (where available). This is only available for cars up to 3 years old. For more information on market value and New for Old cover, read the PDS.
To add hire car to your policy, you can add our Keep Mobile cover as an optional extra when you get a quote. You can also add this to an existing policy by logging in to manage your policy. This cover means we will arrange a hire car if you can't drive your car after an incident. You'll also have the same insurance cover (limited to the market value) which you normally hold for whatever car you're driving while your car is unavailable - whether it is a hire car, your partner's car, your friend's car, and so on. Your listed drivers will also be considered listed drivers when driving that car too.
Of course, you'll need to have the Keep Mobile option on your policy before any incident takes place, you can't add it after an event and have it cover you for that same event.
Depending on the age of your car you may want to add New for Old cover as an optional extra. This is only available for cars up to 3 years old and is only available with Comprehensive Car Insurance policies. With New for Old cover, if your car is deemed to be a write-off after an accident or incident, we'll replace it with a brand new car of the same make and model (where available). You can add this cover as an optional extra when you get a quote for a new policy or update an existing policy in self-service if your car is eligible (i.e. if it's 3 years old or less).
Of course, you'll need to have the option on your policy before any incident takes place, you can't add it after an event and have it cover you for that same event. For more information on New for Old cover, read the PDS.
No - currently Bingle does not offer a roadside assist product.
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.
We cover you and other drivers that you allow to drive your car for legal liability for damage to someone else's car or property.
However, an additional excess will apply to claims, if the driver of your vehicle is:
Need to change your policy's listed drivers? Too easy - simply log in to Bingle.
Listing an additional driver may mean you will have a higher premium. But doing so may reduce your risk of extra out-of-pocket costs, should you make a claim involving an unlisted driver.
In short, we cover you and other drivers that you allow to drive your car for legal liability for damage to someone else's car or property. But an additional excess will apply to claims, if the driver of your vehicle is:
If you need to change your policy's listed drivers, simply log in to Bingle.
Listing an additional driver may contribute to a higher premium. But doing so may reduce your risk of extra out-of-pocket costs, should you make a claim involving an unlisted driver.
When you take out car insurance with Bingle, you will be able to list yourself and any other people who will be using your car on your policy. Here at Bingle we think that if someone drives your car once a week or more, then they are a regular driver of your car. An unlisted driver excess applies to any household member or regular driver who is not listed on your policy. To avoid this excess make sure these are the drivers you have listed on your policy. For example if your mate (who doesn't live with you) borrows your car once, if there was an accident and you made a claim, you wouldn't be charged the unlisted driver excess in this scenario. Note the unlisted driver excess won't apply to learner drivers, if another listed driver is in car when the incident occurs.
No Bingle doesn't offer Compulsory Third Party (CTP) or Greenslip insurance.
The highest level of car insurance Bingle offers is Comprehensive Car Insurance. This covers you for a range of scenarios, including: accidental loss or damage to your car including theft and natural events, plus damage to other people's vehicles and property that occurs while using your car. Need a higher level of insurance? You can also add optional extras like Windscreen and Glass cover, Keep Mobile cover which gives you a hire car in the event of an incident, and New for Old (for cars 3 years old and under) which means if your car is a write-off we will replace it with a brand new car of the same make and model (where available).
Report the incident immediately to the police if your car is stolen or attempts have been made to steal or damage your car. They'll give you an incident number which you can give us when you lodge your claim online (for comprehensive car insurance).
Bingle's Comprehensive Car Insurance provides cover for a range of scenarios, including theft and vandalism. Our Third Party Property Car Insurance product does not cover theft or vandalism - it only provides cover for other people's cars and property if you are the at fault driver. Bingle does not offer a Third Party Fire and Theft product (we only have Third Party Car Insurance) so if you want cover if your car is stolen, you might want to take a look at our Comprehensive Car Insurance.
Both Comprehensive Car Insurance and Third Party Property Damage Insurance cover damage to other people's property caused by the use of your car, up to $20 million.
You can add Windscreen and Glass cover when you get a quote for Comprehensive Car Insurance (not available as an optional extra for Third Party Car Insurance.) You can also add it to your existing car insurance policy by logging in to self-service.
Of course, you'll need to have the Windcsreen and Window Glass only optional extra on your policy before any incident takes place, you can't add it after an event and have it cover you for that same event.
Bingle is an online-only insurer which means we don't have call centres. This helps us keep our prices affordable. We also don't do expensive TV ads and huge marketing campaigns. We keep our insurance products simple by only offering Comprehensive Car Insurance and Third Party Property Damage Insurance.
No - Bingle doesn't cover your personal items if they are damaged in an accident or if your car is stolen. We do cover most modifications/accessories permanently fitted to your car - get a quote to see what's excluded.
We will cover modifications (e.g. tinted windows) or accessories (e.g. sound system, child car seats) that you have permanently fitted to your car. These will form part of your car's market value. You don't need to tell us about these modifications - you're automatically covered for them when you buy a policy with us. There are some exceptions like roll bars, custom paint and nitro or hydrogen fuel - get a quote to see a full list of what's excluded.
To buy car insurance, get an online quote with us to check your eligibility. From there, it's quick and easy to buy car insurance online.
Yes, Bingle has several optional extras on offer. You have the option to select these when you take up Comprehensive Car Insurance - you can add them when you get a quote or add them later in self-service to an existing policy. We offer Windscreen and Glass cover which means if you have this option and need to make a claim we'll replace your broken windscreen, sunroof or windows without you having to pay an excess. We also have Keep Mobile cover which provides you with a hire car in the event of an incident. Is your car 3 years old or less? You can choose to take up New for Old which means if your car is determined by us to be a write-off we will replace it with a brand new car of the same make and model (where available).
Of course, you'll need to have the option on your policy before any incident takes place, you can't add it after an event and have it cover you for that same event.
No - we only offer car insurance in Australia.
Yes, Bingle covers learner drivers (people on their Ls). There needs to be a listed driver in the car at the time of the incident to avoid the unlisted driver excess. The learner driver will then be treated as a listed driver, an age excess will apply if they are under the age of 25 at the time of the incident. Once the learner driver is on their Ps you may want to list them as a driver on your policy. Otherwise an unlisted driver excess might apply.
If you just need to make a change to your policy, you won't need to cancel it. You can swap your car, update your personal details, change your car's rego number, add optional extras and more. If you still need to cancel your policy, you can log in to self-service. If you get stuck doing this, you can find more info here.
Note - you can't change your policy from Comprehensive Car Insurance to Third Party Property cover - in that case, you would need to cancel.
It's easy to manage your policy online. Log in to self-service to update your details, add or remove listed drivers, add optional extras, pay your renewal and more.
With Bingle you can organise your new car insurance up to 45 days before you pick up your new car. Bingle only offers Comprehensive Car Insurance or Third Party Property Damage Insurance. You will need to get compulsory third party (CTP) insurance (if required in your state or territory) with another provider.
We'll do our best to help. If you traded details at the incident and your details were included when the claim was lodged – we'll call you soon after the claim has been lodged.
We'll assess the damage to your car and provide information on the next steps to getting you back on the road.
See how to make a car insurance claim online for more information.
A certificate of currency is a document which provides proof that your car is insured - it states the time period and amount your car is insured for. You can download this document if needed from your self service account - you may require one if you are buying a car on finance. It tells the finance company that your car is fully insured if it was written off in an accident (comprehensive policies only).
You can swap your car by logging in to self-service - that way you can keep the remainder of your current car insurance policy. The cover of your old car will stop when we start covering your new car, basically we only cover one car at a time. Plus, if you've already paid an annual premium, we'll put that towards your new car, or give you a refund if your new car is cheaper to insure (#winning). For monthly instalment policies we'll adjust your payment amount to suit your new car.
We don't offer motorcycle insurance to customers. However, if you need car insurance for your car, we're happy to assist! Compare our car insurance products, and choose from Comprehensive Car Insurance or Third Party Car Insurance.
We may only be online, but we're here to help 24/7. Whether you want to change your details, cancel your policy, or pay your premium, it's all here in our Help Centre!
Log in to Bingle for step-by-step guides to:
If you're stuck, click on the “Help” widget or visit our Help Centre.
Bingle is an online-only insurer. We don't have costly call centres to pay for, which helps keep our insurance premiums low.
Our online Policy Self Service puts you in control of your policy. You can update almost everything yourself, from changing drivers to updating your payment or contact details.
Easy-peasy! Log in to Bingle to make changes to your policy. You can:
It's easy! You can lodge a claim online quickly. Here's some of what we'll ask you for:
We'll guide you through the claims process and keep you updated every step of the way.
After an accident or incident, we know you want your car fixed and back on the road as soon as possible. That's why we use our own trusted repairs network. We've got over 300 repairers nationwide - the same repairers as AAMI and Suncorp Insurance (who, along with Bingle, are part of the Suncorp Network). You can have peace of mind knowing that once your car is repaired, you've got our lifetime repair guarantee on all repairs we've authorised.
Bingle uses the same repairer network as Suncorp Insurance, AAMI, Apia, and GIO. With over 300 repairers nationwide and a lifetime repair guarantee on repairs we authorise, you can feel confident in our repairers if your car is damaged in an incident.
We cover the reasonable costs of towing your car to our repairer or other agreed location. You can get in touch with us if you need to organise a tow. If your car has already been towed, you can upload the invoice/paperwork when you make a claim.
The excess amount for a driver under 25 years is $600 - you'll need to pay this in addition to the standard excess and any other excess that applies.
Yes! Bingle offers a lifetime repair guarantee on all repairs we've authorised.
The standard excess applies to all claims unless otherwise stated in the PDS. It ranges from $600 to $2200 depending on your state and what you selected when you bought or renewed your policy, if you hold a Comprehensive car insurance policy with us. If you hold a Third Party property policy, the excess varies based on your state. Your excess can be found in your Insurance Schedule.
You may also need to pay an unlisted driver or driver-age excess depending who was driving. Read the premiums, excesses, and claims guides for more info.
Choose your excess option is available for new Comprehensive Car policies from 5 June 2020 and renewing Comprehensive Car policies with an effective date of 2 July 2020.
We have an optional extra called Windscreen and Window Glass Only Cover that can be added to your Comprehensive Car Insurance policy. If you have this extra, you won't have to pay an excess if your car's window/windscreen/sunroof glass is broken and you make a claim.
Yes. When you make a claim with Bingle you'll need to pay any applicable excess(es).
It depends – we'll waive your excess if you provide the other driver's name, address & rego, and you didn't contribute to the accident.
You'll need to lodge a claim, and if we determine your car to be a total loss we will settle your claim by paying you a total loss payment. This will be based on your car's market value. If you have New for Old as an optional extra (available on Comprehensive Car Insurance policies if your car is 3 years old or less), we will replace your car with a brand new car of the same make and model (if available).
An excess is an amount you may need to pay as part of a claim with an insurance provider. The amount of excess you may have to pay Bingle if you make a claim could vary based on a few factors. The standard excess ranges from $600 to $2200 depending on your state and what you selected when you bought or renewed your policy, if you hold a Comprehensive car insurance policy with us. If you hold a Third Party property policy, the excess varies based on your state. Your excess can be found in your Insurance Schedule.
An age excess of $600 applies if the driver is under 25 years of age at the time of the incident. This is in addition to the standard excess.
An unlisted household member or unlisted regular driver excess is $1950 - this applies if the person driving is a household member or a regular driver who is not listed on the policy. Again, this is in addition to any other applicable excesses. Just note this excess doesn't apply to learner drivers - so long as another driver listed on the policy is a passenger in the car at the time of the incident.
Read the premiums, excesses, and claims guides for more info.
Choose your excess option is available for new Comprehensive Car policies from 5 June 2020 and renewing Comprehensive Car policies with an effective date of 2 July 2020.
It's best to lodge a car insurance claim as soon as you can after an accident or other insured event (a hail storm, for example). Here's why:
It's your call. Ultimately it will depend on your circumstances and what happened. It is up to you to make the decision based on your own personal circumstances. To help you make your decision, find out more about our claims process.
If you want to know more about Bingle, check out our About Us page or read some reviews from real customers.
If you need to let us know you're not happy about something, check out our Help Centre article for more info.
We're online-only here at Bingle, which is why our customer service team have created Buddy, the Bingle chatbot. Powered by artificial intelligence, think of Buddy as your digital concierge. Buddy can assist with things like updating your policy, claim-related tasks, understanding excesses and renewing or cancelling your policy. If you're having issues with Bingle Self Service or have a general cover-related question, Buddy can try to help, or point you in the right direction.
If Buddy can't understand, they can also direct you to our Help Centre.
To chat to Buddy, head to our Help Centre and look out for the chat icon in the bottom right-hand corner of the page.