You can save 17% on your premium if you pay annually.
Stella's comprehensive car insurance policy includes a new car replacement if yours is written off in the first 3 years of registration. Other insurers cap this at the first 2 years.
Stella will waive the excess if your car is damaged in a domestic violence incident - check the PDS for full details.
Cons
We compared 37 comprehensive car insurance policies. On average, 29 brands offered cheaper comprehensive cover than Stella.
Stella's product disclosure statement includes vague terminology like 'reasonable costs'. This makes it difficult to know exactly what exactly you're covered for.
Some common customisations aren't available. For example, you can't choose your own repairer and you can only insure your car for agreed value, not market.
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.
Stella exclusively offers comprehensive car insurance. If you're looking for third party or third party fire and theft cover - for example, your car may be low-value - you'll have to look elsewhere.
What additional cover options are available?
Stella offers some optional extras so you can strengthen your policy, if you prefer.
Roadside assistance. Australia-wide roadside assistance with unlimited call-outs 24/7, 365 days a year. Covers flat batteries, emergency fuel, flat tyres, lost or locked-in keys, towing, minor technical advice and more.
No-excess windscreen. Avoid paying an excess if your car's windscreen, sunroof or window glass is damaged in an insured incident and requires replacement.
Hire-car after at-fault accident. Extend your hire car benefits to include situations when you were at fault and your car is out of action. Reasonable costs are covered for up to two weeks.
FAQs
Stella car insurance is underwritten by Virginia Surety Company, Inc.
Yes. Although Stella is a female-focused brand, it does insure men and has thousands of male customers.
To start the claims process with Stella, call 1300 633 811. Stella's claims team is available 24/7.
Nicola Middlemiss is a contributing writer at Finder, with a special interest in personal finance and insurance. Formerly a business and finance journalist, Nicola has written thousands of articles helping Australians better understand insurance and grow their personal wealth. She has contributed to a wide range of publications, including Domain, the Educator, Financy, Fundraising and Philanthropy, Insurance Business, MoneyMag, Mortgage Professional, Yahoo Finance, Your Investment Property, and Wealth Professional. Nicola has a Tier 1 General Insurance (General Advice) certification and a Bachelor's degree from the University of Leeds. See full bio
Nicola's expertise
Nicola has written 237 Finder guides across topics including:
Personal finance
Personal insurance, including car, health, home, life, pet and travel insurance
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