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Car insurance

Know your worth! Switch to car insurance through the Better Big Bank.

Why choose car insurance through us?

Insurance you can rely on is worth its weight in gold.
And when it’s arranged by Australia’s Most Trusted Bank^, you can be confident it’s insurance worth having.

Repairs your way

For a lifetime guarantee on authorised repairs for as long as you own the vehicle, choose between our national network of trusted repairers, or select your own licensed repairer.

Drive less, pay less

A popular policy option with our Comprehensive cover, available for cars. Tailor your cover and save.

No Claim Bonus discount**

A reward worth having. We offer six levels of discount with comprehensive cover for a good claims' history.

You're in capable hands

Australia’s Most Trusted Bank^ has partnered with IAG, Australia and New Zealand’s largest general insurer.

Get a quick quote today

Choose your cover type

Choose when you want your cover to start

Note: this must be within 90 days of today's date.

Different policies to suit your needs

If you own a vehicle in NSW, you need Compulsory Third Party insurance (CTP or Green Slip) as part of your vehicle registration. Read our Car Insurance PDS for the full breakdown of this cover option.

Managing your insurance policy

Remember to review your policy regularly. It helps to do a few things at renewal time that could help reduce costs and manage your insurance policy.
Right level of cover

Make sure that you select the right cover to suit your needs and budget from
the different levels of cover offered. You can choose from comprehensive, third-party fire and theft & third-party property damage.

Payment frequency

There's no extra charge if you pay fortnightly or monthly. Adjusting your payment frequency to suit you could make it easier to manage your finances.


If you can afford to pay a higher excess when making a claim, increasing your excess may lower the premium you pay.

Easy to deal with, ready to help.

Get a quick quote online or if you prefer, speak to our dedicated insurance team over the phone today. Call 1300 557 155 between 8am–8pm (AEST/AEDT) weekdays. The team are insurance specialists who can support you directly and make sure you’ve got the level of cover you need.


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I cannot thank you enough for protecting me!

I've been under insured for years. I believed because I'm a careful driver I really didn't need comprehensive cover. Deb talked to me about why quality cover matters, I thought about it and decided to take it out. Fast forward 12months and I've recently been involved in an accident, my car is a write-off. I'm just so grateful to Deb because I'd be in a very different position now if I didn't have this cover. The CGU claims experience was really good too so again, thank you!

Helen, WA


It’s important to choose the right car insurance policy. Our Frequently Asked Questions will help you.

This depends on the policy you’ve chosen. With our Comprehensive Motor Vehicle Insurance Policy, your car is covered no matter who’s behind the wheel (some exclusions apply).

With our Nominated Driver policies, drivers under 25 years of age aren’t covered (except for learner drivers accompanied by a fully licensed driver aged 25 years or more). Anyone that’s not listed on your policy will incur a higher excess in the event of a claim. Your Product Disclosure Statement details who is included as a driver in your policy.

We consider the following factors in calculating insurance policy premiums:

  • the age, experience and driving history of the drivers
  • the type of insurance you choose and the optional extras you want
  • the kind of vehicle you are insuring and how much it would cost to repair or replace it
  • your location, where your vehicle is parked and risk of theft

Yes they are. If you’ve chosen one of our Nominated Driver policies, the learner driver must be accompanied by a fully licensed driver aged 25 years or more.

You can choose your own repairer, as long as they are licensed to carry out repairs, or you can choose one of our trusted repair partners to undertake your repairs.

There are four excesses that may be payable for a car insurance claim:

  • basic excess - which you pay if you are deemed at fault and claim under the terms of your policy
  • age excess - for drivers under 25 years
  • inexperienced driver excess - for drivers 25 years and over who have not held a driver’s licence for two consecutive years
  • additional excess - when we have agreed to cover under special terms specific to your policy

If you have a nominated driver policy and someone else under 25 drives the car, you will not be covered for any loss, damage or liability, unless the car is being parked by a valet, repaired, serviced, tested or used in a medical emergency. If the driver is over 25 a double excess is applied.

If you exceed the 10,000 kilometre limit, you may also need to pay an additional premium.

Things you should know

^ Roy Morgan Risk Monitor 2023. Customers of Bendigo and Adelaide Bank Limited.

Bendigo and Adelaide Bank Limited (Bendigo Bank) ABN 11 068 049 178, AFSL 237879 acts under its own AFSL and under an agreement with the issuer Insurance Australia Limited trading as CGU Insurance ABN 11 000 016 722, AFSL 227681. Any advice provided is general advice only and does not take into account your individual objectives, financial situation or needs (“your personal circumstances”). Before using this advice to decide whether to purchase a product, you should consider your personal circumstances and the relevant the Product Disclosure Statement and Target Market Determinations available on this website.

**Any applicable discounts may be subject to minimum premiums. Discounts only apply until a minimum premium is reached. When the issuer Insurance Australia Limited trading as CGU Insurance ABN 11 000 016 722, AFSL 227681 determine your premium on renewal, they may also limit any increases or decreases in your premium by considering factors such as your previous year’s premium amount.

Bendigo and Adelaide Bank acknowledges Aboriginal and Torres Strait Islander peoples as the First Peoples of this nation and the Traditional Custodians of the land where we live, learn and work. We pay our respects to Elders past and present as it is their knowledge and experience that holds the key to the success of future generations.

Bendigo and Adelaide Bank Limited, ABN 11 068 049 178 AFSL / Australian Credit Licence 237879. Any advice provided on this website is of a general nature only and does not take into account your personal needs, objectives and financial circumstances. You should consider whether it is appropriate for your situation. Please read the applicable Disclosure Documents before acquiring any product described on this website. Please also review our Financial Services Guide (FSG) before accessing information on this website. Information on this page can change without notice to you.

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