Bingle car insurance review

Bingle car insurance is a good option for those on a budget who just want to cover the essentials.

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James Martin's headshot
Peta Taylor's headshot

By

James Martin

&

Peta Taylor

Edited by

Jason Loewenthal

Updated

Fact checked

Bingle

Bingle logo image
Promoted
Finder Award badge
  • Lower premiums for those who drive less
  • Rewards safe drivers with lower premiums
  • $20 million legal liability cover

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Our verdict

Pros

  • Bingle's comprehensive car insurance is comparatively cheap. Our research of 37 providers shows that Bingle is the cheapest provider on average, costing approximately $862.
  • For a competitively priced premium, Bingle's comprehensive policy is good at covering the basics (e.g. damage to your car and others).
  • Bingle's product disclosure statement (PDS) is easy to read and understand with limited jargon or vague terminology.

Cons

  • Bingle's comprehensive policy covers less than its competitors' policies. For example, Budget Direct's comprehensive policy includes a new car replacement If your car is written off in the first 2 years or is under 40,000kms. New car replacement is an optional extra with Bingle.
  • Bingle is all online. This may not be ideal for those who aren't tech savvy.
  • Bingle offers cover for market value only. Those who want more control over how much their car is covered for won't be able to do this. For insurers who offer agreed value, see Budget Direct or Youi.

Finder Awards badge

Congratulations, Bingle!

Bingle won the 'Car Insurance - Low Cost' award in the 2024 Product Awards.

Full list of 2024 winners

How does Bingle compare with other insurers?

Our experts researched 30+ car insurance policies in Australia, analysing 640 different features and over 1,000 quotes. Here's how Bingle stacks up against other popular insurers.

Features

1 - 5 of 5
Updated regularly
Product FCI Finder Score Choice of repairer New Car Replacement Roadside assistance Hail, storm and flood damage
Bingle Comprehensive
Finder Award
Bingle logo
Finder Score
8.9 Great
Optional add-on
Summary: Our data shows it’s the cheapest comprehensive policy. It just covers the basics such as damage to your car, theft and storms – it doesn’t go in for add-ons and extras.

Who it might be good for: Those wanting a low-cost, no-frills policy.
View details
Budget Direct Comprehensive
Finder Award
Budget Direct logo
Finder Score
9.1 Excellent
Optional
  • If your car is written off in the first 2 years or is under 40,000kms
    • Optional
    Summary: The 2024 winner of our Best Value Car Insurance award. It's cheaper than most, plus you can lower costs by adding age restrictions.

    ⭐ Current offer: 15% off your first year's premium when you take out a policy online. T&Cs apply.

    Who it might be good for: Anyone who wants a good value policy.
    Get QuoteView details
    Youi Comprehensive
    Finder Award
    Youi logo
    Finder Score
    8.5 Great
    Optional
  • If your car is written off or stolen in the first 2 years
    • Summary: One of the only insurers to automatically include roadside assistance. It also won 12 out of the 22 categories in Finder's 2024 customer satisfaction awards.

    Winner of 12 out of the 22 categories in Finder's 2024 customer satisfaction awards. Yes, that many.
    Get QuoteView details
    NRMA Comprehensive
    NRMA logo
    Finder Score
    9.9 Excellent
    Optional
  • If your car is written off in the first 2 years
    • View details
    AAMI Comprehensive Car Insurance
    AAMI logo
    Finder Score
    8.3 Great
  • If your car is written off or stolen in the first 2 years
    • Optional
    Summary: AAMI's comprehensive policy includes cover for legal modifications and accessories and up to $20 million cover for damage to other people's property. Optional extras like windscreen and window glass cover is also available.

    ⭐ Current offers: Save $50 when you buy a new comprehensive car insurance policy online. T&Cs apply.

    Who it might be good for: Safe drivers can benefit from the AAMI Safe Driver Rewards® program.
    View details
    loading

    Finder Score for car insurance

    We analyse over 100 car insurance products and rate each one on price and features. What we get out the other end is a nice round number between 1 and 10 to help you start comparing.

    To make sure we're comparing apples with apples, we collect quotes for 8 different personas, then work out the value of 19 different car insurance features. Our team then does some fancy maths to get the Finder Score, taking both price and features into account.

    Read the full Finder Score methodology

    Price

    Keep in mind, car insurance quotes are based off a number of factors and your quote will differ.

    InsurerNSWQLDSATASVICWAAustralia averageApply
    Bingle car insurance logo$935$872$724$726$1,156$761$862More info
    Budget Direct Logo$1,148$941$978$829$1,180$880$992Get quote
    youi$1,640$1,307$1,087$1,155$1,599$1,363$1,359Get quote
    NRMA logo$2,027$1,154$1,038$1,004N/A$1,034$1,043More info
    AAMI$1,884$1,106$1,015$985$1,318$1,002$1,218More info

    About our car insurance methodology

    Customer reviews

    Recently completed a not at fault claim with Bingle, who were awesome to communicate with and efficient in assisting me through the process. Can't recommend more highly, especially for an online provider!

    Bingle car insurance user, NSW

    Bingle car insurance user, NSW

    Impossible to talk to a human.

    Bingle car insurance user, NSW

    Bingle car insurance user, NSW

    No frills, affordable car insurance with a decent customer service team. Was easy and straightforward to make a claim.

    Bingle car insurance user, NSW

    Bingle car insurance user, NSW

    Compare Bingle car insurance policies

    Product FCI Accidental damage Roadside assistance Fire and theft New Car Replacement Hire car after theft
    Bingle Comprehensive
    Finder Award
    Bingle logo
    Optional add-on
    Optional add-on
    Summary: Our data shows it’s the cheapest comprehensive policy. It just covers the basics such as damage to your car, theft and storms – it doesn’t go in for add-ons and extras.

    Who it might be good for: Those wanting a low-cost, no-frills policy.
    View details
    Bingle Third Party Property Damage
    Bingle logo
    • Who it might be good for: Drivers who want a cheap policy and cover for damage to other people’s vehicles (but not your own car). It can also cover rideshare drivers.
    View details
    loading

    What additional cover options are available?

    • New for old: If your car is determined as a total loss then Bingle will replace it with a new car of the same make and model. Refer to the PDS for limits, exclusions and T&Cs that apply.
    • Windscreen and window glass only cover: If your windscreen or window glass needs to be repaired or replaced, Bingle won't charge any excess for this claim when this option is selected.
    • Copycat cover and hire car: In the event of a claimable incident, this option will provide you the same level of insurance on the car you use while your car is off the road. Bingle will also provide you with a hire car for you to use that is of a similar make and model to your car.

    FAQs about Bingle car insurance

    Jason Loewenthal's headshot
    To make sure you get accurate and helpful information, this guide has been edited by Jason Loewenthal as part of our fact-checking process.
    James Martin's headshot
    Written by

    Editor

    James Martin was the insurance editor at Finder. He has written on a range of insurance and finance topics for over 7 years. James often shares his insurance expertise as a media spokesperson and has appeared on Prime 7 News, WIN News, Insurance News, 7NEWS and The Guardian. He holds a Tier 1 General Insurance (General Advice) certification and a Tier 1 Generic Knowledge certification, both of which meet the requirements of ASIC Regulatory Guide 146 (RG146). See full bio

    James's expertise
    James has written 212 Finder guides across topics including:
    • Car, home, life, health, travel and pet insurance
    • Managing the cost of living
    • Money-saving tips
    Peta Taylor's headshot
    Co-written by

    Publisher of Insurance

    Peta Taylor is a publisher at Finder, working across all of insurance. She's been analysing product disclosure statements and publishing articles for over 2 years. Peta is passionate about demystifying complex insurance products to help users make well educated decisions with confidence. Peta is part of Finder's insurance awards team and works alongside editorial and insights experts to bring users the best insurance products every year. See full bio

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    11 Responses

      Default Gravatar
      TerrenceAugust 27, 2024

      Which insurers insure for Rideshare (Uber) Cars?

        AvatarFinder
        SarahSeptember 9, 2024Finder

        Hi Terrence, you can review some options here. Best of luck!

      Default Gravatar
      LynetteSeptember 26, 2023

      Why is bingle trying to take more money of of bank account when it was paid less than a week ago

        AvatarFinder
        GarySeptember 29, 2023Finder

        Hi Lynette,

        Finder is a comparison site. You’ll need to contact Bingle to find out why this is happening.

        Thanks,
        Gary

        AvatarFinder
        SarahSeptember 27, 2023Finder

        Hi Lynette,

        We’re a review site and we’re not directly affiliated with Bingle, you’ll need to contact them directly for assistance with your account.

      Default Gravatar
      DiegoJuly 31, 2019

      Hi,

      I’d like to know how much Bingle charges for list a new driver or change a driver as well as third party car insurance and comprehensive car insurance, please.

        AvatarFinder
        JeniJuly 31, 2019Finder

        Hi Diego,

        Thank you for getting in touch with Finder.

        Kindly click on the get quote button to know charges from Bingle. You may also contact them directly once you’ve been redirected to their official page. Please note that you have reached Finder. We are a general information and comparison website. While we do not represent any company we feature on our pages, we can offer you general advice.

        I hope this helps.

        Thank you and have a wonderful day!

        Cheers,
        Jeni

      Default Gravatar
      GeorgeApril 14, 2019

      Looking for a recommendation for a ride share car insurance company.

        AvatarFinder
        MaiApril 15, 2019Finder

        Hi George,

        Thank you for reaching out.

        Bingle does offer rideshare insurance. You can click the ‘Get Quote’ button to check on the insurance premium and cover that they can offer based on the details that you will put in.

        Alternatively, you can also check our article on rideshare and Uber car insurance to see other providers that offers rideshare covers.

        Hope this helps.

        Kind Regards,
        Mai

      Default Gravatar
      SantoshDecember 12, 2017

      Do you have Roadside Assistance policy? Do you have car hire cover policy?

        AvatarFinder
        RenchDecember 13, 2017Finder

        Hi Santosh,

        Thanks for your inquiry.

        If you are referring to Bingle Car Insurance, it doesn’t have cover for roadside assistance. While with their Comprehensive Car Insurance, it has Hire Car cover. Please contact Bingle directly to apply for their insurance and further inquire.

        You may also check a list of car insurances with roadside assistance.

        Cheers,
        Rench

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