Best Car Insurance
Seniors Car Insurance 🏆 2026


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Straight forward process online. Offered what I was looking for for my car. Show details
AWN Insurance (Australian Warranty Network) 🏆 2026

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The customer support lady i spoke to was very helpful and could not have been any better. I was very impressed with the service. Show details
Youi Car Insurance
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This company charged me $2000 per year than tried to charge me $6500 per year for my GTS. I have left this company and have insurance for $2000 per year. They are greedy dogs. I don't recommend this company. Show details
Integrity Extended Warranties
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Very speedy service when my car wouldn't start. Highly recommended. Show details
Presidian Group
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I highly recommend purchasing this Presidian Car warrenty for peach of mind for used cars. Team is very helpful and make sure to look after their customers propery. Show details
Budget Direct Car Insurance
I wonder how this company gets as many stars as it does. Maybe it’s because of how cheap the insurance is. But what’s the point of having cheap… Read more
insurance when you actually have to make a claim and they are unwillingly to payout or make you jump through hoops in already a stress full time. IMHO, there are insurance companies out there that charge slightly more, use them instead of budget direct or place your money in the bin.
TrueCover Car Insurance

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I took out a new comprehensive car insurance policy with Belinda today. She was such a credit to this company... extremely knowledgeable with a great… Read more
sense of humour. Her quote, (roadside assistance was included at no extra cost), was great value compared to my previous premium history with a well known competitor, where roadside assistance was extra. I am very happy to recommend True cover.
QBE Car Insurance
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Had a couple questions, contacted QBE the assistance was very helpful got additional quotes from other providers but went with QBR. Show details
ahm Car Insurance
Were good and fair to deal with, bundled with health insurance was one of the best offers on market Show details
Real Car Insurance
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The sales person was excellent. I liked how he kept everything down to business. Show details
Oceania Insurance
I found Great Service, i found it very cheap price Show details
Everyday Car Insurance
Following extensive compare the market for car insurance Everyday insurance was exceptionally best value for money. The bonus credits You receive… Read more
when purchasing a policy off Woolworths products is wonderful. Plus 10% off groceries every month. I am saving a huge amount of money. This insurance is awesome in every way. Highly recommended.
Kogan Car Insurance
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It's stupid. Quoted $5000 for comprehensive with agreed value of $8010 with excess $1000 including windscreen, car hire. others are quoting around $2000 and less Show details
Huddle Car Insurance
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was away working for 3 months in the Hunter New England NSW when I had a collision with a wild pig. The front right hand side of my small car was… Read more
damaged rendering the car undrivable. This occurred on the Gwydir Hwy, approximately 100kms from the nearest town of Moree. I reported the incident immediately to Huddle so my car could be retrieved, additionally I explained I was away from home (Sydney) for work and would need my car repaired by the time my employment contract ended in 2 months time. I was assured that if the closest repairer didn’t have capacity to repair my car in time, that my car would be taken to the next closest and available repairer. Meanwhile, my car sat on the Gwydir for 7 days before it was retrieved. Following this, I contacted the local repairer to where my car was towed and they informed me they were booked full and would not begin work on my car for at least 4-6 weeks. That would only leave them 2 weeks to repair, including time to locate parts etc. Huddle continued to ignore my request to take the car to another repairer, stating they were pushing to get my car completed by the time my contract was finished. I informed them more than once of the importance of this as once the contract finishes, so does my accommodation. Throughout the process Huddle were extremely difficult to contact, not only for myself but also the repairer. The repairer did however admit to being at fault with getting photos of the car to huddle in a timely manner, but huddle took no accountability for any delays, blaming everything on the repairer. My car was only partially fixed 1 week past the date my contract ended, it was drivable, however the repairer was still waiting on the wiring harness for the blinkers to be delivered. I had no choice but to drive take my car and drive it 470kms with no blinkers to my mother’s house at Port Macquarie. By this time I had finally had my request to file a complaint to huddle complaints department put through (not before requesting this 3 times) and the complaints dept happened to contact me the morning I was collecting my car. I did advise them of the situation (having to take the car and drive with no blinkers) and was offered nothing. I was never offered accommodation until the day I was leaving, and as I had to stay an extra week I was lucky enough a kind co-worker offered me their spare room. Additionally, the repairer couldn’t contact huddle and I ended up having to pay the repairer the excess and additional excess. I am now waiting for explanation and proof of how huddle have accounted this additional excess as the kms appear to be the first amount of kms I put in with them 3 years prior! I could be wrong about that but will have to wait and see. Won’t hold my breath though. My car is now at a repairer in port Macquarie, and is ready to be collected, but now this repairer has not been able to contact Huddle! The new repairer has told me they had one voicemail from huddle in the last 3 weeks, yet huddle tell me they have tried to contact him multiple times and they can’t contact him. Funnily enough, I myself have contacted the repairer 4 times and never had an issue. So, it’s been just over 3 months with no car, cost me an extra $1000 in excess, not to mention all the additional costs of catching Ubers etc. No use making a complaint because nothing happens, there is no accountability, very poor communication, overall very bad customer service. Do yourself a favour and do not go with this insurance company, it is not worth the headache and will end up costing more in the end!
Hi, Thank you for taking the time to leave your… Read more
Toyota Motor Vehicle Insurance

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Terrible experience with ADICA Insurance (Toyota Insurance). From what felt like intimidation during the claims process to delays and inconsistent… Read more
communication, the whole experience was extremely frustrating. I had to lodge a complaint to have an issue properly reviewed, and even after receiving a response, I was left chasing further answers regarding related repairs. Customer service was disappointing, and I did not feel supported throughout the claim. Based on my experience, I would strongly recommend looking elsewhere for insurance coverage. One star is more than generous. Beware
Hey there, we’re sorry to hear about your… Read more (+1 reply)
Allianz Car Insurance
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They are cheap for a reason And the reason is to push you back and not taking any responsibilities They will politely treat you that if you claim… Read more
your next year insurance will be much higher
Do not use this brand It is not recommended They are cheap with cheap mindset
RACV Car Insurance
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Very good staff. Friendly staff, explaining for me understanding, thanks for you help Show details
PD Car Insurance
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The customer service is always incredible with very patient staff and I always receive a competitive premium Show details
Enthusiast Motor Insurance
We’ve taken out a new policy with Helen for our Suzuki Spacia (I think she’s from New Zealand). She was so kind and helpful; she’s a real enthusiast. Thank you, Helen. Georg and Claudia Neuhaus, Brisbane Show details
Lexus Insurance
Fantastic Service all round. The insurance claim process was easy, the people on the phone were respectful and clear, the assessor was thoughtful in… Read more
studying what needed to be done for retrospective claims and the job done by Spencer Panels in South Melbourne was exceptional.
PowerTorque Insurance
totally surprised by how easy the claim and repair process was completed Show details
Carpeesh
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Do not use this company! They are deceptive, poor customer service, even when you call to enquire about specific details of the cover they evade the… Read more
question and it is not until you need to make a claim you find out the truth.
Lesson learnt to go with more reputable companies! You get what you pay for!
Hi Nardia we are here to assist you with your claim. I… Read more (+1 reply)
RAC Car Insurance
Classic you believe you are covered, when an unfortunate car accident happens, they are not there when you need them the most. The person who… Read more
initially picked up the phone is good, once it goes to the claims team, they are horrible. They tell me the claim might not be accepted, they ignore email messages, simply because they cannot identify the driver. Their inability to find or talk to the third party who is liable for crash somehow becomes my problem.
Rude and relatively incompetent staff on the phone, when asked a simple question where they are guilty they avoid. I have already made complaints through their complaints process, a supervisor responded, I asked him to look at the recordings to see the issue, with poor customer service and not responding any emails. He claimed he was happy with it, I know he didn't even check.
Hi Raveen, thanks for taking the time to provide us… Read more (+1 reply)
APIA Car Insurance
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Not only a total waste of money but they actually block access to your vehicle so you cant get real help to fix it and its only been two months with… Read more
zero contact and more money demands. They dont allow any independant oversight. Better off spending your money on repairs yourself and not having car insurance.
AAMI Car Insurance
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They increased CTP 36% during 25-26 last year 550 thus year 750 aud Show details
NRMA Car Insurance
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Zero care for customers. Zero care for loyalty. A greedy company that knows how to exploit every loophole. They’d rob gold teeth from a gravesite…go with someone else. Show details
Hi, We appreciate you taking the time to share… Read more
RACQ Car Insurance
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It’s now 1 day short of what was to be the final stick that broke my will , my spirit and most of all what happened on the 17th August 2026. 09.27am… Read more
and ended at 10.43am. That nightmare that took place over 1hr 16mins. That incident and its events couldn’t get much worse. How wrong could I be. Being a long time member of RACQ insurance means and meant not a lot especially when you attempt to contact assistance or help when you try and ring them on the very day that your entire world in the shape of your vehicle is going up in flames and the only thing you keep encountering is not being able to get a insurance operator on the phone to answer your calls for help and assistance. When you do finally get someone your call then turns in to having to ring many times up to 4 times due to the call keep dropping out . So then you have to repeat your nightmare incident not once but four times to four different operators of which you then have to experience four types of service which are conflicting on so many levels which just adds to your ongoing frustration that you are dealing with while thus trying to get assistance from your insurance of which you are told you are a long time member and these words coming from the insurance operator. But at this point being anything other than a long time member who is a valued member is not something that you feel right there and then. You are then advised that you will be contacted when the process of what is your insurance claim is complete. Which you are just left hanging . No updates no words . NOTHING. The only thing throughout the days and what became weeks after the 17th August 2026. Was the hire company that we had which we were given while the insurance company was dealing with our claim sent us a message informing us that our hire car was due to be returned and we have to contact our insurance company to make other arrangements on the hire car. Having rang the insurance company was to then speak with a completely different operator who after reading our claim details. Was shocked amazed that our claim had not as yet been completed and we had not been able to move on with our lives . The operator then assured us that they would contact the right departments who could contact us to finally close our claim with completion assurances. Throughout this frustrating and stressful period of our lives dealing with RACQ insurance. I had put in a claim , had my complete personal space integrity insulted humiliated over the phone been advised that not only do we have to pay a excess on our insurance policy but to add insult to injury we have to pay out the complete policy on a burnt out shell of vehicle that ceased to be insured in any way logical whatsoever on the 17th August 2026. And we are long time valued members of RACQ. Which one member has been over 50yrs with RACQ. When this entire nightmare is completely over with and I get some normality again . I will hopefully be able to get a vehicle again . But as for who I allow to insure my vehicle will be something I will be really having to consider in great detail.
GIO Car Insurance
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I selected all options on platinum and paid. They sent the policy, it did not include roadside assist. I called them and they said they would add it for additional cost. It feels like a bait and switch. Show details
Shannons Car Insurance
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Had to claim a windscreen didn’t want it replaced by obrians so I got a quote 345 bucks fitted . Obrians want to fit windscreen for for over 600… Read more
bucks . I saved them money they have sent me a quote to reinsure both cars for well over $3300 . Asked about low klm insurance and and they r not interested went else ware and the premium was halved $1300 for both cars . House and contents are due in December and they won’t get my money Shannon’s going as recommend to me buy a friend it was ok until they sold out to south corp I’ve read all the reviews and they are mostly 1 star . The old saying is u reap what u sow and it’s gunna come back to haunt them. I found all there staff rude and had trouble trying to understand any of the staff that spoke to me. The last conversation I had was a person that did not introduce himself I asked him 3 times who and what company u were from and he hung up .rang back immediately and got the same person He questioned me why I didn’t go thru obtains glass at the biggest price and I said that was my choice. Then he got the shits somebody was gunna make a nice profit and it was gunna be me. Regards Damien
Bingle

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Warning: - don’t take bingle insurance Absolutely horrible scumb company . They will try to avoid or manupulate . This company and their alliance Suncrop should be ban . Show details
Should I get car insurance?
Car insurance may seem like a hefty expense. This can be especially true if you’re a young or a new driver, or pay your car insurance premium in one lump sum.
However, unexpected accidents do happen, and unless you can afford to pay for repairing another driver’s car outright - which can cost thousands - a good car insurance policy can save you from paying through the nose.
There are budget providers along with the better-known household names of insurance companies. You can also opt for a more affordable type of policy rather than comprehensive car insurance, which is pricier. With such a wide selection of policies and companies on the market, you're bound to find something that suits you.
Types of car insurance
Compulsory Third Party (CTP) Insurance: The compulsory one · See all
Compulsory Third Party Insurance, known as green slip in NSW, is the mandatory insurance you must purchase before you’re legally allowed to register a car. In NSW, you need to independently select and buy your CTP, whereas it’s included in the cost of your registration in other Australian states.
Having CTP car insurance means that if you get into an accident and the other driver sustains injuries, you won’t be held liable. Also, it will cover hospital expenses for the other party. It covers personal injury only. Your green slip won’t cover damage caused to property – namely, your car or another person’s car.
In NSW, there are five licensed green slip providers to choose from: AAMI, Allianz, GIO, NRMA Insurance and QBE. In ACT, there are four providers: NRMA, GIO, AAMI and APIA. In SA, there are also four: AAMI, Allianz, QBE and SGIC.
CTP Insurance is included in the cost of registration for the following states and territories: VIC, QLD, WA, TAS and the NT.
Third Party Property Damage Car Insurance: The lowest level of optional cover · See all
Not to be confused with Compulsory Third Party, this is the most basic level of optional cover. Third Party Property Damage insures against damage caused to another vehicle, by you. It doesn’t protect you against theft or damage caused to your car.
Best suited to drivers who:
Don’t want to foot the bill for someone else’s car repairs from their own pocket, and
Would prefer an insurance option significantly cheaper than comprehensive cover, and
Aren’t too concerned about their own car, as it’s not covered under this policy. This might be suited to drivers with cheaper, older cars they’re not sentimentally attached to - with the exception of vintage cars, which are usually expensive to insure.
Third Party Property, Fire and Theft Car Insurance: The next best thing after comprehensive cover · See all
This level includes everything provided by Third Party Property Damage Insurance. It additionally covers you if your car is stolen or burned. In limited cases, third party property, fire and theft insurance can cover you if you aren’t at fault and your car incurs damage caused by an uninsured driver.
Best suited to drivers who:
Want a higher level of cover than Third Party Property Damage Insurance, but can’t quite afford comprehensive car insurance.
Are concerned about the safety of their car, either due to location or time of day it's parked.
Are interested in Third Party Property Damage cover, but are also seeking a baseline level of protection for their own car.
Comprehensive Car Insurance: The all rounder · See all
As the top level of car insurance, a comprehensive policy offers the most protection for your car. It will cover you for everything included in the other two optional policies, and more.
This commonly includes: intentional or accidental damage to property (your car and another person’s car, regardless of fault), loss or theft of your car, vandalism, weather events such as storms, floods, fire and hail, and in some cases hire cars and emergency accommodation (The specific inclusions and exclusions will depend on your unique policy).
It's worth getting comprehensive car insurance if:
You prefer to protect your car and wallet from the widest range of possible misfortunes that could happen.
You're prepared to pay a little more than you would with another insurance type - comprehensive is the most expensive cover for your car.
Tips for comparing car insurance
1. Be clear on your excess
While it may be tempting to automatically select the cheapest car insurance policy, this isn’t necessarily the best financial decision. Lower-cost premiums equate to a higher excess, sometimes upwards of $850. If, in the event of an at-fault accident, you won’t be able to afford this expense in one hit, consider a higher premium.
2. Read the Product Disclosure Statement, or PDS
Let's face it - the majority of these are a bit long and boring. But having an informed understanding of the terms of your policy is worth it and can save you unwelcome surprises in the future. A portion of 1 star reviews of car insurance policies on ProductReview.com.au involved pain points that could have been avoided if the PDS had initially been carefully assessed.
A PDS should explain your excess and spell out in detail what you are entitled to claim under the policy. This includes any add-ons you have opted for. It should also cover policy exclusions, information about claiming, as well as contractual information about a cooling off period or policy cancellation.
3. Don’t be afraid to shop around
Compare, compare, compare. You don’t even need to pick up a phone; simply fill out online car insurance quote forms from a variety of companies. Compare both the cost and quality of cover as outlined in the PDS. Selecting a car insurance policy shouldn’t be a rush decision, as it can have considerable financial impacts down the line.
4. Review your policy annually
While it can be extremely tempting to click ‘Renew Now’ when you receive an email about your car insurance policy's imminent expiration, you'll most likely be paying more than you need to.
Often insurers make their renewing customers pay more than new customers. After a year with an insurer, first-time customer discounts no longer apply, and insurers unfortunately don’t apply discounts for customer loyalty.
As a result, the ‘Renew now’ option has been dubbed as ‘the lazy tax’ incurred for not shopping around. It might not be as convenient as clicking a button, but you’re much more likely to find a better deal.
5. Look for discounts
If you’re asking ‘How can I get the cheapest car insurance?’ keeping an eye out for discounts is one of the best ways.
This is particularly the case if have an automatically higher premium due to your demographic (for example you're a male under 25) or your circumstances (for example, you're the driver of a European, sports or vintage car). As a general rule of thumb, if the annual amount you pay for car insurance is higher than 10% of your car’s value, you’re paying too much.
Discounts can be applied for:
- Restricting the number of drivers using your car
- Restricting the age of people driving your car (e.g. no under 25s)
- Restricting the number of kilometres you drive using the vehicle, sometimes known as a ‘pay-as-you-drive’ discount
- Making no claims for a certain number of years – referred to as the 'no claims discount' or 'safe driver bonus'
- Taking out additional policies with the insurer – known as a ‘multi policy discount'
Conversely, if you prefer extra features or protection in your car insurance that’s also available - either as part of the policy package, or as an optional add-on for an extra cost.
Included Benefits or Optional Extras can include:
- Car rental excess insurance – reduces out-of-pocket expenses when you hire a rental car, after your car is damaged or stolen
- Car insurance with roadside assistance - offered as an optional extra or included as part of your policy
- Windscreen cover - offered as an included benefit with reduced excess or zero excess, or an optional extra with reduced excess or zero excess
- New for old car insurance – which may be worth it when the cost of repairs exceeds the car’s market value. If your car is 1-2 years old and it’s stolen or written off, this entitles you to a replacement car of the same value
Thanks for reading, we hope that this guide helps you choose the best car insurance policy for you, so you can enjoy driving your car confidently, knowing it is protected.
Disclaimer: The information on this website is for general information only. It should not be taken as constituting professional advice from the website owner - ProductReview.com.au. ProductReview.com.au is not a financial adviser. You should consider seeking independent legal, financial, taxation or other advice to check how the website information relates to your unique circumstances. ProductReview.com.au is not liable for any loss caused, whether due to negligence or otherwise arising from the use of, or reliance on, the information provided directly or indirectly, by use of this website.
Hi Nikhil, sorry to see your quote was too high.… Read more