Frequently Asked Questions

Comprehensive Car Insurance provides cover for when your car is stolen, for accidental loss or damage caused by natural disasters. It also provides cover for accidental damage to other people's cars or property caused by the use of your car up to $20 million.

Things you're covered for:

• Driving accidents
• Car theft and malicious damage
• Accidental damage to other people's cars or property up to $20 million
• Damage from storms, hail or fire

Need more info? Visit our Comprehensive Car Insurance page to learn more about policy coverage and optional extras.

Bingle's Third Party Property Damage Car Insurance gives you protection if the use of your car causes damage to someone else's property. Bingle does not offer a Third Party Fire and Theft policy - this means if you want this level of cover, you might want to take a look at our Comprehensive Car Insurance.

Agreed value is the value of a car that a customer and an insurance company both agree on - it will stay the same for the term of the policy. At Bingle we don't offer agreed value - we only offer market value cover (comprehensive policies only). Market value means the amount that the market would pay for the car. The market value of the car includes many factors such as age, make, model, kilometres travelled and general condition of the car. The market value of your car can change over time. Depending on the age of your car you may want to add New for Old cover as an optional extra. With New for Old cover, if your car is a write-off we'll replace it with a brand new car of the same make and model (where available). This is only available for cars up to 3 years old. For more information on market value and New for Old cover, read the PDS.

To add hire car to your policy, you can add our Keep Mobile cover as an optional extra when you get a quote. You can also add this to an existing policy by logging in to manage your policy. This cover means we will arrange a hire car if you can't drive your car after an incident. You'll also have the same insurance cover (limited to the market value) which you normally hold for whatever car you're driving while your car is unavailable - whether it is a hire car, your partner's car, your friend's car, and so on. Your listed drivers will also be considered listed drivers when driving that car too.

Of course, you'll need to have the Keep Mobile option on your policy before any incident takes place, you can't add it after an event and have it cover you for that same event.

Depending on the age of your car you may want to add New for Old cover as an optional extra. This is only available for cars up to 3 years old and is only available with Comprehensive Car Insurance policies. With New for Old cover, if your car is deemed to be a write-off after an accident or incident, we'll replace it with a brand new car of the same make and model (where available). You can add this cover as an optional extra when you get a quote for a new policy or update an existing policy in self-service if your car is eligible (i.e. if it's 3 years old or less).

Of course, you'll need to have the option on your policy before any incident takes place, you can't add it after an event and have it cover you for that same event. For more information on New for Old cover, read the PDS.

No - currently Bingle does not offer a roadside assist product.

We cover you and other drivers that you allow to drive your car for legal liability for accidental damage to someone else's car or property.

However, an additional excess will apply to claims, if the driver of your vehicle is:

• under 25 years of age, and/or
• a household member or unlisted regular driver that is not listed on your policy. This will not apply to learner drivers as long as another driver listed on your policy is a passenger in your car.

Need to change your policy's listed drivers? Too easy - simply log in to Bingle.

Listing an additional driver may mean you will have a higher premium. But doing so may reduce your risk of extra out-of-pocket costs, should you make a claim involving an unlisted driver.

In short, we cover you and other drivers that you allow to drive your car for legal liability for accidental damage to someone else's car or property. But an additional excess will apply to claims, if the driver of your vehicle is:

• under 25 years of age, and/or
• a household member or unlisted regular driver that is not listed on your policy. This will not apply to learner drivers as long as another driver listed on your policy is a passenger in your car.

If you need to change your policy's listed drivers, simply log in to Bingle.

Listing an additional driver may contribute to a higher premium. But doing so may reduce your risk of extra out-of-pocket costs, should you make a claim involving an unlisted driver.

When you take out car insurance with Bingle, you will be able to list yourself and any other people who will be using your car on your policy. Here at Bingle we think that if someone drives your car once a week or more, then they are a regular driver of your car. An unlisted driver excess applies to any household member or regular driver who is not listed on your policy. To avoid this excess make sure these are the drivers you have listed on your policy. For example if your mate (who doesn't live with you) borrows your car once, if there was an accident and you made a claim, you wouldn't be charged the unlisted driver excess in this scenario. Note the unlisted driver excess won't apply to learner drivers, if another listed driver is in car when the incident occurs.

No Bingle doesn't offer Compulsory Third Party (CTP) or Greenslip insurance.

The highest level of car insurance Bingle offers is Comprehensive Car Insurance. This covers you for a range of scenarios, including: accidental loss or damage to your car including theft and natural events, plus accidental damage to other people's vehicles and property that occurs while using your car. Need a higher level of insurance? You can also add optional extras like Windscreen and Glass cover, Keep Mobile cover which gives you a hire car in the event of an incident, and New for Old (for cars 3 years old and under) which means if your car is a write-off we will replace it with a brand new car of the same make and model (where available).

Report the incident immediately to the police if your car is stolen or attempts have been made to steal or damage your car. They'll give you an incident number which you can give us when you lodge your claim online (for comprehensive car insurance).

Bingle's Comprehensive Car Insurance provides cover for a range of scenarios, including theft and vandalism. Our Third Party Property Car Insurance product does not cover theft or vandalism - it only provides cover for accidental damage to other people's cars and property if you (or someone using your car with your permission) are the at fault driver. Bingle does not offer a Third Party Fire and Theft product (we only have Third Party Car Insurance) so if you want cover if your car is stolen, you might want to take a look at our Comprehensive Car Insurance.

Both Comprehensive Car Insurance and Third Party Property Damage Insurance cover accidental damage to other people's property caused by the use of your car, up to $20 million.

You can add Windscreen and Glass cover when you get a quote for Comprehensive Car Insurance (not available as an optional extra for Third Party Car Insurance.) You can also add it to your existing car insurance policy by logging in to self-service. Of course, you'll need to have the Windscreen and Window Glass only optional extra on your policy before any incident takes place, you can't add it after an event and have it cover you for that same event.

Bingle is an online-only insurer which means we don't have call centres. This helps us keep our prices affordable. We also don't do expensive TV ads and huge marketing campaigns. We keep our insurance products simple by only offering Comprehensive Car Insurance and Third Party Property Damage Insurance.

No - Bingle doesn't cover your personal items if they are damaged in an accident or if your car is stolen. However, we do cover baby capsules and/or child seats if they are stolen or damaged in an incident, up to a maximum of $500 per item for any one incident.

We will cover modifications (e.g. tinted windows) or accessories (e.g. sound system, child car seats) that you have permanently fitted to your car. These will form part of your car's market value. You don't need to tell us about these modifications - you're automatically covered for them when you buy a policy with us. There are some exceptions like roll bars, custom paint and nitro or hydrogen fuel - get a quote to see a full list of what's excluded.

To buy car insurance, get an online quote with us to check your eligibility. From there, it's quick and easy to buy car insurance online.

Yes, Bingle has several optional extras on offer. You have the option to select these when you take up Comprehensive Car Insurance - you can add them when you get a quote or add them later in self-service to an existing policy. We offer Windscreen and Glass cover which means if you have this option and need to make a claim we'll replace your broken windscreen, sunroof or windows without you having to pay an excess. We also have Keep Mobile cover which provides you with a hire car in the event of an incident. Is your car 3 years old or less? You can choose to take up New for Old which means if your car is determined by us to be a write-off we will replace it with a brand new car of the same make and model (where available).

Of course, you'll need to have the option on your policy before any incident takes place, you can't add it after an event and have it cover you for that same event. Once you have purchased an optional extra you will not be able to remove it from your policy during the period of insurance.

No - we only offer car insurance in Australia.

Yes, Bingle covers learner drivers (people on their Ls). There needs to be a listed driver in the car at the time of the incident to avoid the unlisted driver excess. The learner driver will then be treated as a listed driver, an age excess will apply if they are under the age of 25 at the time of the incident. Once the learner driver is on their Ps you may want to list them as a driver on your policy. Otherwise an unlisted driver excess might apply.

If you just need to make a change to your policy, you won't need to cancel it. You can swap your car, update your personal details, change your car's rego number, add optional extras and more. If you still need to cancel your policy, you can log in to self-service. If you get stuck doing this, you can read our How do I cancel my policy Help article.

Note - you can't change your policy from Comprehensive Car Insurance to Third Party Property cover - in that case, you would need to cancel.

It's easy to manage your policy online. Log in to self-service to update your details, add or remove listed drivers, add optional extras, pay your renewal and more.

With Bingle you can organise your new car insurance up to 45 days before you pick up your new car. Bingle only offers Comprehensive Car Insurance or Third Party Property Damage Insurance. You will need to get compulsory third party (CTP) insurance (if required in your state or territory) with another provider.

We'll do our best to help. If you traded details at the incident and your details were included when the claim was lodged – we'll call you soon after the claim has been lodged.

We'll assess the damage to your car and provide information on the next steps to getting you back on the road.

See how to make a car insurance claim online for more information.

A certificate of currency is a document which provides proof that your car is insured - it states the time period and amount your car is insured for. You can download this document if needed from your self service account - you may require one if you are buying a car on finance. It tells the finance company that your car is fully insured if it was written off in an accident (comprehensive policies only).

You can swap your car by logging in to self-service - that way you can keep the remainder of your current car insurance policy. The cover of your old car will stop when we start covering your new car, basically we only cover one car at a time. Plus, if you've already paid an annual premium, we'll put that towards your new car, or give you a refund if your new car is cheaper to insure (#winning). For monthly instalment policies we'll adjust your payment amount to suit your new car.

We don't offer motorcycle insurance to customers. However, if you need car insurance for your car, we're happy to assist! Compare our car insurance products, and choose from Comprehensive Car Insurance or Third Party Car Insurance.

We may only be online, but we're here to help 24/7. We don't have costly call centres to pay for, which helps to keep our insurance premiums low. Our online Policy Self Service puts you in control of your policy, and you can update almost everything yourself, from changing drivers to updating your payment or contact details.

Take me to Policy Self Service

If you need some help, Bingle has answers to your questions in our Help Centre (or in the Help widget on this page). For step-by-step guides on everything from cancelling your policy to paying your overdue instalments, it's all there!

Take me to the Help Centre

To access your policy online you can register online.

If you don't know your policy number, our Policy Finder can help.

Bingle is an online-only insurer. We don't have costly call centres to pay for, which helps keep our insurance premiums low.

Our online Policy Self Service puts you in control of your policy. You can update almost everything yourself, from changing drivers to updating your payment or contact details.

Easy-peasy! you can Log in to Bingle to make changes or manage your policy. You can:

• add a new driver
• change your address
• swap your car
• pay your premium, and
• download insurance documents.

If you're stuck, click on the “Help” widget or visit our Help Centre.

Supporting our gender diverse community. We're committed to ensuring our products and services reflect the diversity of our community.

We're reviewing our systems as they currently only request Male and Female. If you don't identify as Male or Female and you would like to purchase a policy, please select the gender you are most comfortable with to proceed, finalise and record the policy number, then submit a request.

This will allow us to acknowledge your correct gender and ensure you are included in future system changes. If you are an existing policy holder, please submit a request.

It's easy! You can lodge a claim online quickly. Here's some of what we'll ask you for:

• details of what happened and where
• details of anyone else involved, e.g. other drivers or property owners
• any photos of the damage from the incident

We'll guide you through the claims process and keep you updated every step of the way.

After an accident or incident, we know you want your car fixed and back on the road as soon as possible. That's why we use our own trusted repairs network. We've got over 300 repairers nationwide - the same repairers as AAMI and Suncorp Insurance (who, along with Bingle, are part of the Suncorp Network). You can have peace of mind knowing that once your car is repaired, you've got our lifetime repair guarantee on all repairs we've authorised.

Bingle uses the same repairer network as Suncorp Insurance, AAMI, Apia, and GIO. With over 300 repairers nationwide and a lifetime repair guarantee on repairs we authorise, you can feel confident in our repairers if your car is damaged in an incident.

We cover the reasonable costs of towing your car to our repairer or other agreed location. You can get in touch with us if you need to organise a tow. If your car has already been towed, you can upload the invoice/paperwork when you make a claim.

The excess amount for a driver under 25 years is $600 - you'll need to pay this in addition to the standard excess and any other excess that applies.

Yes! Bingle offers a lifetime repair guarantee on all repairs we've authorised.

The standard excess applies to all claims unless otherwise stated in the PDS. Your excess can be found in your Insurance Schedule.

Compare our Comprehensive Car Insurance and Third Party Property Damage Car Insurance to see the different options. Read the PDS to see the different excesses that may apply if you need to make a claim.

Claims Payment examples and information about Excesses can be found in the relevant Premiums, Excess and Claims Guide (PED) for that product.

We have an optional extra called Windscreen and Window Glass Only Cover that can be added to your Comprehensive Car Insurance policy. If you have this extra, you won't have to pay an excess if the only damage is to your car's window/windscreen/sunroof glass is broken and you make a claim.

Yes. An excess may apply.

It depends – we'll waive your excess if you provide the other driver's name, address & rego, and you didn't contribute to the accident.

You'll need to lodge a claim, and if we determine your car to be a total loss we will settle your claim by paying you a total loss payment. This will be based on your car's market value. If you have New for Old as an optional extra (available on Comprehensive Car Insurance policies if your car is 3 years old or less), we will replace your car with a brand new car of the same make and model (if available).

An excess is the amount you have to pay for each claim. Here at Bingle we have three types of excess:

• A standard excess that applies to all claims, unless otherwise stated in your Product Disclosure Statement (PDS)
• An age excess, which applies if you, or the driver using your car at the time of the incident, is under 25 years old, and
• An unlisted driver excess which applies if the driver using your car at the time of the incident was a household member or regular driver, and who was not a listed driver on your policy. This excess will not apply to learner drivers as long as another driver listed on the policy is a passenger in your car.

Read our Comprehensive Car Insurance and Third Party Property Damage Car Insurance PDS to see the different excesses that may apply if you need to make a claim.

More information about the different excesses that may apply if you need to make a claim can be found in the relevant Premiums, Excess and Claims Guide (PED) for that product.

It's best to lodge a car insurance claim as soon as you can after an accident or other insured event (a hail storm, for example). Here's why:

1. The events will be fresh in your mind and you'll usually be able to give more detail.
2. Our ability to assess your car and find out who was at fault may decrease as time passes.
3. If your car isn't repaired and you keep driving it around, you could cause further damage to your car. Additional damages that occur after the accident will not be covered in the initial claim. Plus, if you're driving around with dings all over your car, you may start hearing jokes like "that car has had more hits than Elvis Presley" and similar.
4. When you are up for renewal, the new policy won't cover your car for pre-existing damage.
5. The sooner you lodge your claim, the sooner your car can be repaired and back on the road in its usual condition!

• Make sure everyone is safe, move away from passing traffic as much as you can. Move to the side of the road, or side street if possible.
• Where possible, exchange details with any other people involved – full name, address, phone number, who they are insured with, and their car registration number. Give your details to them.
• Take plenty of photos of the accident and damage.
• You may find it helpful to write down when the accident occurred and exactly what happened so you can recall it later.
• Lodge your claim with us, simply log on to self-service and follow the prompts.
• If you have Comprehensive Car Insurance with us, you can arrange a tow if needed – find out more. If you've already been towed, you can claim the cost as part of your claim – just keep your receipt.

Ultimately it will depend on your circumstances and what happened. It is up to you to make the decision based on your own personal circumstances. To help you make your decision, find out more about our claims process.

We are entitled to investigate your claim, to make sure your claim is genuine and falls within the scope of the policy. You will be asked to prove that you have suffered loss covered by your policy. This includes establishing that the loss occurred in circumstances consistent with the other known and confirmed evidence, and that your version of events is credible. We base this on your responsibilities to provide relevant information to assess your claim under General Insurance Code of Practice.

When investigating a claim, you will typically be asked for:

• financial records including bank statements, credit card statements, loan statements, lines of credit and mortgage documents;
• information relating to the insured property, such as proof of registration and service records in a motor vehicle claim;
• telephone records; and
• criminal history or driving history where you were required to disclose this information when you purchased the policy

If you want to know more about Bingle, check out our About Us page or read some reviews from real customers.

If you experience a problem, are not satisfied with our products or services or a decision we have made, please visit our Customer Relations & Complaints page to access more information.

We're online-only here at Bingle, which is why our customer service team have created Buddy, the Bingle chatbot. Powered by artificial intelligence, think of Buddy as your digital concierge. Buddy can assist with things like updating your policy, claim-related tasks, understanding excesses and renewing or cancelling your policy. If you're having issues with Bingle Self Service or have a general cover-related question, Buddy can try to help, or point you in the right direction.

If Buddy can't understand, they can also direct you to our Help Centre.

To chat to Buddy, head to our Help Centre and look out for the chat icon in the bottom right-hand corner of the page.

A duty to take reasonable care not to make a misrepresentation applies to Consumer Insurance Contracts. To meet this duty, it is important that you answer questions truthfully and accurately.