Comprehensive Car Insurance

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Bingle offers low cost car insurance with a lifetime repair guarantee. Get a car insurance quote online. Bingle.com Pty Ltd (ABN 93 121 114 574, AR No. 312546) is an authorised representative of Australian Associated Motor Insurers Ltd (AAMI) (ABN 92 004 791 744 AFSL 238173), the issuer of this product. Other options for car insurance are also available.

Average annual premium savings featured in advertisements are based on a Nielsen survey of 880 customers who achieved a saving by switching to Bingle comprehensive car insurance during the months of June to October 2010 inclusive, when compared with the previous annual premium charged by their previous comprehensive car insurer. Please read the Product Disclosure Statement available on this website before buying this insurance and consider whether it is right for you.

Comprehensive car insurance is the most extensive type of coverage you can get for your vehicle. While your Green Slip will cover you if someone is injured when you cause an accident, comprehensive coverage will go much further than that.

The Basics of Comprehensive Coverage

Comprehensive coverage has two defining characteristics:

• It offers the most coverage
• It is usually the most expensive type of insurance

This type of insurance is the one type most likely to keep you on the road if something goes wrong with your vehicle. It will cover you in the event that your car is stolen, damaged from many different possible causes and if you end up causing damage to a trailer that you’re towing when you get in an accident. This type of insurance oftentimes comes in different packages, as well, that offer varying degrees of coverage for different prices.

Some Advantages

Some of the advantages of comprehensive insurance include the ways that you can get discounts. For example, you’ll usually get a discount on your coverage if you have an anti-theft device installed in your car. If you go ahead and take care of this, the insurance company will drop your rates, in most cases, because your car is at a much lower risk of being stolen than it would be otherwise. Of course, this means that you also get the benefit of simply having a car that is not an appealing target to thieves! Discounts such as these, over time, can pay for the cost of the improvements to your vehicle.

You’ll also find that some comprehensive insurance policies offer handy features that may end up saving you quite a bit of money. For instance, some policies will pay to have new keys made for your vehicle if you lose yours or even for a new remote if you have a remote-operated system on your vehicle. These features can end up saving you thousands of dollars if you have a very expensive vehicle that is also expensive to service.

Most comprehensive policies will also cover your belongings. If your car stereo is stolen, for instance, these policies will oftentimes cover the costs of getting a new one, which can save you a lot of money if you have a good system. Your insurance may also offer you extra guarantees. For example, some of these policies will put a guarantee on any work that you have done that is approved by the insurance company to fix the damage caused by an accident. In these cases, you’ll end up potentially saving a lot of money in having bad repair work redone.

One of the major benefits of comprehensive insurance is that it can also cover transportation in the event that your car is stolen. If your car is stolen, you’ll probably need to rent a vehicle until you can replace it. Having this covered for you can make life a lot easier. You may also be covered for emergency lodging and transportation in the event that you break down on the side of the road.

It’s important to ask your insurer whether or not they offer coverage in these areas. Your motor insurance may be cheaper from some providers than it would be from others, but there may be a significant trade-off in terms of what’s actually covered by the policy. Remember to ask about the extent of coverage and whether there is a way that you can get your premiums discounted. You can sometimes get significant discounts because of having a clean driving record or from keeping your car garaged at night, reducing the risk of theft and vandalism.