15 Best Comprehensive Car Insurance in Australia (2025)

Comparing “comprehensive” car insurance shouldn’t require a law degree, yet rising premiums, fiddly exclusions and wildly different add‑ons make it easy to overpay or underinsure. Whether you drive a new car under finance, an EV with a home charger, carry an occasional under‑25 driver or use your vehicle for rideshare, the right policy can save you thousands—and the wrong one can sting when you need it most.

This guide cuts through the noise with a curated list of the 15 best comprehensive car insurance options in Australia for 2025. We assessed value for money (premium versus scope of cover), breadth of protection (storm, flood, theft, vandalism, new‑car replacement, windscreen and personal items), flexibility (agreed vs market value, excess choices, pay‑by‑month fees), after‑accident care (hire car, roadside assistance), claims support and customer satisfaction. For each pick you’ll see: why it stands out, core cover and optional extras, who it’s best for, what to keep in mind, and how to get a quote. Always check the PDS and TMD to confirm suitability for your situation. Ready to find the right fit? Let’s get started.

1. National Cover (price-beat guarantee specialist)

If you’re chasing best‑value comprehensive cover without the haggle, National Cover leads with a Price‑Beat Guarantee and specialist know‑how across private, rideshare and commercial vehicles. It blends sharp pricing with hands‑on claims help, so you don’t trade service for savings.

Why it stands out

National Cover’s edge is equal parts pricing discipline and practical support. Here’s what that looks like in real life for drivers shopping for the best comprehensive car insurance:

Price‑Beat Guarantee: Upload a genuine competitor quote and they’ll beat it.
Data‑driven premiums: Pricing shaped by ASIC‑licensed analysts monitoring the market.
Specialist motor focus: Private cars plus rideshare, taxi, courier, commercial and fleets.
Fast, guided claims: 365‑day assistance; 99% of claims lodged within 12–24 hours.
After‑accident care: Replacement car for not‑at‑fault claims, 24/7 towing, dedicated support.
Repair confidence: Lifetime warranty on all repairs via their network; excess discount with preferred repairers.
Recognised service: 2022 Mozo People’s Choice Award for Outstanding Customer Satisfaction.

Core cover and optional extras

Its comprehensive policy is built for everyday risks, with bolt‑ons for business use when you need them.

Comprehensive cover: Accidental damage, theft, vandalism, fire, storms and floods, plus third‑party property damage.
Liability: Up to $20,000,000 for third‑party property damage.
New‑for‑old replacement: If your car is written off and under two years old (eligibility applies).
Windscreen and glass: Repair or replacement for chips and cracks.
Business upgrades: Rideshare/taxi/courier/commercial vehicle cover; optional public liability; marine transit/cargo protection.
Convenience benefits: Replacement car when you’re not at fault; 24/7 towing; lifetime repair warranty.

Best for

Price‑sensitive drivers who want a low premium without trimming core protection.
Rideshare, courier and business operators needing explicit cover for commercial use.
Switchers who want pro‑rata refunds and help moving early from an existing policy.
Drivers who value guided claims and repair guarantees.

Keep in mind

Price‑Beat conditions apply: You’ll need a formal competitor quote for verification.
Network perks: Excess discounts and lifetime warranties apply when you use preferred repairers.
Eligibility matters: New‑for‑old replacement and business covers have criteria—check the PDS/TMD.

How to get a quote

Start an online quote with your vehicle and driver details, then upload any competitor’s written quote to trigger the Price‑Beat. National Cover verifies and adjusts your premium on the spot. Prefer to switch mid‑term? They’ll calculate any unused premium on a pro‑rata basis and help you move across, with support available by phone or email 365 days a year.

2. Budget Direct

When you want sharp pricing without skimping on cover, Budget Direct is a perennial front‑runner. Canstar names it an Outstanding Value winner in 2025 (for the 19th consecutive year), and there’s a straightforward 15% online discount for new policies—handy if you’re trimming premiums while hunting the best comprehensive car insurance.

Why it stands out

Budget Direct’s appeal is consistent value and a smooth digital experience backed by around‑the‑clock support.

Awarded value: Canstar’s 2025 Outstanding Value Award, 19 years running.
Instant savings: 15% off your first year’s premium when you buy online (T&Cs apply).
Always on: 24/7 phone and online claims support.
Flexible payout basis: Choose between agreed value and market value on eligible policies.

Core cover and optional extras

Budget Direct’s comprehensive policy covers loss or damage to your own car and the damage it causes to other people’s cars and property, with practical extras available.

Comprehensive cover: Accidental damage to your vehicle plus liability for third‑party property damage.
Agreed or market value: Pick the settlement basis that suits your situation.
New car replacement: If written off before the earlier of 24 months or 40,000 km (eligibility applies).
24/7 claims: Lodge and manage claims anytime online or by phone.

Best for

Value seekers who want award‑recognised cover at a competitive price.
Online buyers chasing a quick quote and the first‑year online discount.
New‑car owners who could benefit from the early write‑off replacement window.

Keep in mind

Discount timing: The 15% saving applies to the first year for new online purchases only.
Eligibility rules: New‑for‑old replacement and agreed value options have criteria—check the PDS/TMD.
Coverage specifics: Limits, sub‑limits and exclusions apply; review before you buy.

How to get a quote

Complete a quick quote online with your car and driver details, select agreed or market value, and apply the online purchase to secure the 15% first‑year discount. You can bind cover immediately and access 24/7 claims if you ever need help.

3. Youi

If you want a policy that’s tailored to how you actually drive, Youi builds flexibility into its comprehensive cover and backs it with around‑the‑clock help. Recognised by Canstar in 2025 for Most Satisfied Customer Car Insurance in NSW, VIC and SA, Youi combines personalisation with practical perks like included roadside assistance and 24/7 claims support.

Why it stands out

Youi leans into customisation and service, making it a strong contender for best comprehensive car insurance if you value hands‑on support.

Customer satisfaction: Canstar’s 2025 Most Satisfied Customer Car Insurance – NSW, VIC, SA.
Included help: 24/7 Roadside Assist is included with comprehensive (exclusions, limits, T&Cs apply).
Round‑the‑clock claims: Lodge with advisors any time, day or night.
Early write‑off support: New car replacement within the first two years (T&Cs apply).
Weather protection: Cover for storm, hail and flood damage, plus accidental damage and theft.

Core cover and optional extras

Youi’s comprehensive policy focuses on the key risks Aussie drivers face, with service baked in.

Comprehensive cover: Accidental damage to your car, theft and vandalism, and damage from storms, hail and floods.
New‑for‑old window: Replacement if written off within two years (eligibility applies).
Roadside included: 24/7 assistance bundled with comprehensive (conditions apply).
Claims support: 24/7 claims lodgement with human advisors.

Best for

Drivers who want tailored cover built around their usage and needs.
Those who value service, from included roadside assistance to 24/7 claims.
Owners of newer cars who could benefit from the two‑year new‑car replacement window.
Drivers in NSW, VIC and SA seeking an insurer with strong customer satisfaction signals.

Keep in mind

T&Cs apply to roadside assistance and new‑car replacement—check eligibility, limits and exclusions in the PDS/TMD.
Coverage specifics vary by profile and vehicle; confirm limits and any excesses before you buy.

How to get a quote

Complete Youi’s quick questionnaire online or request a call to fine‑tune details like where and how you drive. You can bind cover once you’re happy and access 24/7 claims and included roadside assistance from day one (subject to policy terms).

4. Bingle

Bingle keeps things simple and cheap, which is exactly why it routinely lands on shortlists for the best comprehensive car insurance. It’s an online-first insurer with streamlined cover and sharp pricing, and it’s been recognised for value by independent researchers in 2025.

Why it stands out

Low-cost leader: 2025 Finder Award winner for Low Cost policy, with simple, affordable cover and fast online quotes.
Awarded value: Recognised by Canstar in 2025 as an Outstanding Value performer, retaining its National Award and winning Western Australia.
Digital convenience: All online, from quoting to policy management, helping keep premiums down.

Core cover and optional extras

Bingle focuses on essentials and lets you add only what you need, keeping premiums lean.

Comprehensive cover: Protects your own car and covers damage to other people’s property.
Third Party Property Damage: Budget-friendly liability cover for damage you cause to others.
Optional extras:
- Unlimited excess‑free windscreen and window glass cover (optional).
- Hire car cover options.
- New‑car replacement when written off if your car is less than three years old (eligibility applies).

Best for

Price-focused drivers who want no‑frills comprehensive cover at a lower cost.
Online shoppers who are happy to quote, buy and manage their policy digitally.
Owners of newer vehicles who might benefit from the <3‑year new‑car replacement window.

Keep in mind

Extras are pared back: Roadside assistance and some after‑accident care aren’t bundled and may not be available, or may cost extra.
Self‑service model: Most tasks are done online; check you’re comfortable managing your policy this way.
Eligibility applies: New‑car replacement and other add‑ons have criteria—always review the PDS/TMD.

How to get a quote

Get a fast online quote by entering your vehicle and driver details, then tailor optional add‑ons like windscreen or hire‑car cover to suit your needs. You’ll purchase and manage everything online, and you can lodge claims digitally 24/7.

5. ROLLiN’ Insurance

ROLLiN’ is built for flexibility and price, offering month‑to‑month comprehensive cover that routinely undercuts the market. In 2025 it retained Canstar’s National Outstanding Value Award and added State Awards across NSW, VIC, TAS, SA and QLD—strong validation if you’re chasing the best comprehensive car insurance without annual lock‑ins.

Why it stands out

ROLLiN’ focuses on low, simple pricing and fewer gotchas, paired with flexible monthly billing.

Awarded value: Canstar 2025 Outstanding Value (national) plus multiple state wins.
Month‑to‑month: Only monthly premiums are offered—no big annual outlay.
No age‑based excess: Under‑25s aren’t slugged an additional age excess.
Glass perk: No excess on your first covered windscreen repair.
Agreed value simplicity: Claims are settled on an agreed value basis.

Core cover and optional extras

You get streamlined comprehensive protection with a couple of standout inclusions; check the PDS for any add‑ons you may need.

Comprehensive cover: Accidental damage to your car plus third‑party property damage.
Agreed value only: Set a clear sum insured upfront.
New‑car replacement (eligibility applies): If written off before 14,999 km, replacement terms can apply.
Windscreen benefit: First covered repair attracts no excess.

Best for

Price‑first drivers who want competitive premiums and clean, simple cover.
Younger drivers benefiting from no age‑based excess.
People who prefer monthly billing over paying annually.
Switchers who value flexibility without long commitments.

Keep in mind

Monthly only: There’s no pay‑annually option (and no annual‑pay discount).
Agreed value only: No market‑value option if that’s your preference.
Replacement threshold: The new‑car replacement trigger is km‑based (14,999 km), not time‑based.
Feature set is lean: Some after‑accident extras may not be bundled—confirm specifics in the PDS/TMD.

How to get a quote

Complete a quick online quote, choose your agreed value and start cover on a monthly basis. The month‑to‑month setup keeps upfront costs down and makes it easy to adjust or cancel in line with policy terms; review your PDS/TMD to understand limits, exclusions and any cooling‑off period.

6. QBE

QBE brings big‑brand stability with flexible policy settings and around‑the‑clock claims support—useful if you want the confidence of a long‑standing insurer while you compare the best comprehensive car insurance for features that matter day‑to‑day.

Why it stands out

QBE blends practical value with service signals you can point to, making it a solid shortlist pick.

Flexible cover, 24/7 claims: Help when you need it, any time.
Online saving: Save $75 on new Comprehensive policies purchased online (conditions apply).
Agreed or market value: Choose the settlement basis that suits your budget and car.
Extended replacement window: New‑car replacement if written off before the earlier of 36 months or 60,000 km (eligibility applies).

Core cover and optional extras

At its core, QBE’s comprehensive policy covers accidental damage to your own car and damage you cause to other people’s property, with the option to tailor key settings.

Comprehensive protection: Accidental damage, theft and cover for third‑party property damage (see PDS for limits and exclusions).
Settlement choice: Pick agreed value or market value on eligible policies.
New‑for‑old replacement: Early write‑off window of up to 3 years/60,000 km (whichever comes first), subject to criteria.
Digital convenience: Buy online to access the current $75 saving (T&Cs apply).

Best for

New‑car owners who value a longer new‑for‑old replacement window.
Drivers who want control over payout basis (agreed vs market value).
People who prioritise access to 24/7 claims support from a major insurer.

Keep in mind

Offer caveats: The $75 online saving has conditions; check the fine print.
Replacement criteria: The 36‑month/60,000 km rule is strict—exceed either and eligibility can lapse.
Read the documents: Limits, excesses and exclusions apply—always review the PDS and TMD for your situation.

How to get a quote

Complete a quick quote online, select agreed or market value, and—if eligible—apply the $75 online saving before you purchase. Once covered, you’ll have access to 24/7 claims support, with policy docs delivered straight to your inbox.

7. Allianz

Allianz blends big‑brand stability with a polished claims experience, making it a dependable pick when shortlisting the best comprehensive car insurance for 2025. Its claims journey is well‑rated (an average 4.4 out of 5 over the last 12 months) and cover stretches from everyday drivers to EV owners, with practical after‑accident care.

Why it stands out

You get a trusted name, strong service signals and cover that reflects how Australians actually drive and charge today.

Proven claims experience: Customers rated comprehensive claims an average 4.4/5 over the past 12 months.
EV‑ready protection: Support for batteries, charging cables, wall chargers and mounts (policy terms apply).
Practical after‑care: Choice of repairer or approved network with workmanship guarantees.
Big‑brand confidence: Recognised service and broad national footprint.

Core cover and optional extras

Allianz’s comprehensive policy covers accidental damage to your car and damage you cause to other people’s property, with useful inclusions and add‑ons to tailor your policy.

Comprehensive protection: Collision, theft, vandalism, fire, storm, hail and flood events.
Liability cover: Up to $20,000,000 for third‑party property damage.
Mobility support: Hire car when you’re not at fault or a $50/day travel allowance if a similar hire isn’t available (eligibility and limits apply).
Repair options: Choice of repairer or access to approved workshops with guaranteed workmanship.
Broader options: Commercial motor/fleet solutions and CTP in select states.

Best for

Drivers who value a smooth claims journey with big‑insurer backing.
EV owners wanting cover that contemplates home charging hardware.
Families and commuters who want straightforward, well‑rounded protection.

Keep in mind

Eligibility and limits apply to hire‑car benefits and EV components—check the PDS/TMD.
Choice of repairer may be subject to conditions; approved networks often unlock guarantees.
State availability for CTP varies; confirm for your location.

How to get a quote

Complete an instant quote online with your vehicle and driver details, choose annual or monthly payments, and review options like choice of repairer and hire‑car benefits. Bind cover digitally and receive your policy documents by email, with 24/7 claims support on standby if you need it.

8. AAMI

AAMI is a long‑standing Australian insurer with straightforward, well‑rounded cover that’s easy to quote and manage online. If you’re shortlisting the best comprehensive car insurance for everyday driving, AAMI’s blend of heritage, practical features and broad repair support makes it a dependable, no‑nonsense option.

Why it stands out

Trusted heritage: A familiar brand Australians have relied on for decades, backed by Suncorp’s financial strength.
Simple, solid cover: Comprehensive protection without needless complexity.
Nationwide support: Access to an extensive network of approved repairers with quality guarantees.

Core cover and optional extras

AAMI’s Comprehensive Car Insurance covers accidental loss or damage to your car, plus the damage your car causes to other people’s vehicles and property, with useful ways to tailor protection.

Comprehensive protection: Accidental damage, theft, fire, weather events, and third‑party property damage.
New‑for‑old replacement: If your vehicle is written off within two years of manufacture (eligibility and limits apply).
Choice of repairer: Or use AAMI’s preferred network with guaranteed workmanship.
Popular add‑ons:
- Windscreen and window glass cover (often with reduced or waived excess, subject to options).
- Roadside assistance for breakdown help.
- Accident hire‑car cover to keep you mobile during repairs.

Best for

Drivers who want an established insurer with strong repairer access and clear processes.
Families and commuters seeking dependable, all‑round comprehensive cover.
Owners of newer cars who could benefit from the two‑year new‑for‑old window.

Keep in mind

Eligibility and limits apply to new‑car replacement and add‑ons—check the PDS/TMD.
Excesses and sub‑limits vary by option; confirm what you’ll pay at claim time.
Feature selections matter: Choose add‑ons you’ll actually use to avoid overpaying.

How to get a quote

Use AAMI’s online quoting tool to enter your car and driver details and see an instant premium. Tailor add‑ons (windscreen, roadside, hire car) before you bind cover. If you hold other policies with related brands, check for potential multi‑policy savings, and consider annual payment or safe‑driver settings to help sharpen the price.

9. Suncorp

Suncorp is a household name with straightforward options and solid brand trust—handy if you’re shortlisting the best comprehensive car insurance without overcomplicating the decision. It’s an award‑winning insurer five years in a row and lets you get Comprehensive or Third Party cover online in minutes, ideal for busy drivers who want a clean, no‑nonsense path to protection.

Why it stands out

Award‑winning consistency: Recognised as an award‑winning insurer five years in a row.
Simple choices: Pick Comprehensive or Third Party cover without needless complexity.
Digital convenience: Fast, user‑friendly online quotes and policy setup.

Core cover and optional extras

Suncorp keeps the core choices clear, with scope to tailor during the quote. Always check the PDS/TMD for what’s included for your situation.

Comprehensive cover: Accidental loss or damage to your car, plus damage your car causes to other people’s property.
Third Party Property Damage: Liability cover if you damage another person’s vehicle or property.
Tailoring options: You can generally adjust excesses and select policy options during the quote—confirm availability, limits and exclusions in the PDS.

Best for

Drivers who want a big‑brand insurer with a clean, online process.
Families and commuters seeking dependable, broad cover without complexity.
Budget‑conscious buyers who value clear choices and an easy quote.

Keep in mind

Details vary by profile and state: Limits, excesses and exclusions apply—review the PDS/TMD.
Add‑ons and discounts change: Confirm any current offers at quote time.
Feature depth: If you need niche features (e.g., specific replacement windows or fee‑free monthly billing), compare specifics before you commit.

How to get a quote

Enter your vehicle and driver details in Suncorp’s online tool, choose Comprehensive or Third Party, and adjust your excess and options to match your budget. Review the summary, read the PDS/TMD, then bind cover digitally—your docs arrive by email, so you’re set to drive with confidence.

10. NRMA Insurance

NRMA has been a household name for NSW and QLD drivers for generations, pairing motor insurance with one of Australia’s most established roadside assistance networks. If you want comprehensive cover backed by member perks, fast help when things go wrong and an insurer with deep local roots (dating back to 1925), NRMA is an easy shortlist pick.

Why it stands out

NRMA blends dependable cover with real‑world support that goes beyond a policy document.

Member perks and roadside: Priority breakdown support and complimentary towing allowances (often up to 20 km per incident) for members.
Help when stranded: Options for emergency accommodation on selected tiers.
Trusted heritage: Serving NSW/QLD motorists for around a century.
Everyday value: Multi‑vehicle savings and member discounts commonly available.

Core cover and optional extras

Comprehensive protects your own car and covers damage you cause to others, with simple ways to tailor the policy.

Comprehensive cover: Accidental damage, theft, fire, weather events and third‑party property damage.
Third Party Property Damage: Budget option covering damage you cause to others.
Popular add‑ons:
- New‑for‑old replacement on cars under two years (eligibility applies).
- Windscreen and window glass cover.
- Choice of repairer or approved network.
- Roadside assistance upgrades, plus battery service, lockout and key rescue.
- Hire car after an accident to keep you mobile.

Best for

Service‑first drivers who value quick breakdown help and member benefits.
NSW/QLD motorists seeking a local stalwart with broad repair networks.
Families and multi‑car households looking for savings across vehicles.

Keep in mind

Perks vary by tier: Towing distances, accommodation limits and assistance benefits depend on membership level—check details.
Add‑ons cost extra: Hire car, glass, roadside upgrades and choice‑of‑repairer can affect premium.
Eligibility applies: New‑for‑old and other benefits have criteria—review the PDS/TMD.

How to get a quote

Complete NRMA’s online quote with your vehicle and driver details, then tailor excess and add‑ons to suit your budget. Log in or provide your member number to see any available member pricing, and check for multi‑vehicle savings before you bind cover and receive your documents by email.

11. Coles Insurance

Coles pairs supermarket simplicity with a compelling value pitch, making it a handy shortlist option when you’re hunting for the best comprehensive car insurance and a sharp online deal. It offers flexible settlement options and an early write‑off replacement window—useful for newer cars—plus a headline discount for first‑year online buyers.

Why it stands out

Coles’ proposition is clean and value‑forward, with recognition for strong features and a clear online saving.

15% online discount: Save 15% off your first year’s premium when you buy a new policy online (T&Cs apply).
Flexible payout basis: Agreed or market value available on eligible policies.
Early write‑off support: New car replacement if written off before the earlier of 24 months or 40,000 km (eligibility applies).
Award signals: 2025 Finder Award Winner for Best Features, and noted as one of the cheaper insurers according to Finder research.

Core cover and optional extras

Coles’ comprehensive policy is built around protecting your own vehicle and your liability to others, with the flexibility to choose how your car is valued at claim time.

Comprehensive protection: Accidental loss or damage to your car and damage your car causes to other people’s property.
Agreed or market value: Pick the settlement basis that matches your priorities.
New‑for‑old window: Replacement if written off within 24 months/40,000 km (criteria apply).
Add‑ons and limits: Optional extras, limits and exclusions apply—review the PDS/TMD for specifics.

Best for

Online bargain‑hunters who want to lock in the first‑year 15% discount.
New‑car owners likely to benefit from the 24‑month/40,000 km replacement window.
Drivers who value payout flexibility via agreed or market value choices.
Shoppers prioritising features (backed by Finder’s Best Features award).

Keep in mind

Discount scope: The 15% saving applies to the first year for new policies purchased online and is subject to T&Cs.
Eligibility matters: The new‑for‑old replacement has strict time/km thresholds.
Know your costs: Confirm excesses, sub‑limits and any instalment fees before you buy.
Read the fine print: Always check the PDS and TMD for what is and isn’t covered.

How to get a quote

Complete a quick online quote with your vehicle and driver details, select agreed or market value, and—if eligible—apply the 15% online first‑year discount at checkout. Review the PDS/TMD, confirm excess and payment frequency, and bind cover digitally in minutes.

12. Qantas Insurance

If you’re a value seeker who also loves a points boost, Qantas Insurance brings a compelling blend of comprehensive cover features and headline promotions. You can choose agreed or market value, access an early write‑off replacement window for newer cars, and (subject to offer periods) pick up a sizeable serve of Qantas Points alongside a first‑year online saving.

Why it stands out

Points power: Earn up to 50,000 Qantas Points with every comprehensive policy (offer noted as ending 30 October; T&Cs apply).
Intro saving: 15% off your first year’s premium when you purchase online (T&Cs apply).
Payout flexibility: Choose agreed or market value on eligible policies.
New‑car support: New car replacement if written off before the earlier of 24 months or 40,000 km (eligibility applies).

Core cover and optional extras

Qantas Comprehensive Cover focuses on protecting your own car and your liability to others, with clear settlement choices and support for newer vehicles.

Comprehensive protection: Covers accidental loss or damage to your car and damage your car causes to other people’s property.
Agreed or market value: Select the settlement basis to suit your priorities.
New‑for‑old window: Replacement if written off within 24 months/40,000 km (criteria apply).
Add‑ons and limits: Optional extras, limits and exclusions apply—confirm in the PDS/TMD.

Best for

Qantas Frequent Flyers chasing points with their insurance spend.
New‑car owners who value an early write‑off replacement window.
Online buyers looking to leverage a first‑year discount.

Keep in mind

Promos change: Points and 15% online offers are promotional and subject to dates and T&Cs—check current availability.
Eligibility thresholds: The 24‑month/40,000 km replacement window is strict.
Settlement choice impact: Agreed vs market value affects premium and potential payout—pick with care.
Read the docs: Always review the PDS and TMD for cover limits, exclusions and excesses.

How to get a quote

Complete a quick online quote, choose agreed or market value, and (if available) apply the 15% online saving at checkout. If you’re targeting the points offer, ensure you meet any promotional conditions at purchase. Review the PDS/TMD, confirm your excess and payment frequency, then bind cover in minutes.

13. Huddle Insurance

Huddle is a clean, no‑fuss option to add to your shortlist when comparing the best comprehensive car insurance. It keeps the important levers in your hands—how your car is valued, and what happens if a newer vehicle is written off—without overcomplicating the decision.

Why it stands out

Huddle focuses on the big decisions that matter at claim time rather than flashy add‑ons.

Settlement control: Choose between agreed or market value on eligible policies.
New‑car support: New car replacement if your vehicle is written off within 24 months (eligibility applies).
Straightforward proposition: Comprehensive cover built around the core risks Australian drivers face.

Core cover and optional extras

You get comprehensive protection for your car and your liability to others, plus the ability to tailor the value basis. Always confirm specifics in the PDS/TMD.

Comprehensive protection: Accidental loss or damage to your car and damage your car causes to other people’s property.
Agreed or market value: Pick the payout basis that best fits your priorities.
Early write‑off replacement: Replacement within 24 months if written off (criteria apply).
Options vary: Check the PDS for available add‑ons, limits, excesses and exclusions.

Best for

Drivers who want payout flexibility (agreed vs market value).
Owners of newer vehicles looking for a 24‑month write‑off replacement window.
Shoppers who prefer simple, comprehensive cover without unnecessary frills.

Keep in mind

Eligibility thresholds apply to new‑for‑old replacement—exceed the window and it may not apply.
Feature depth varies: Confirm any extras you rely on (e.g., hire car, glass, choice of repairer) in the PDS/TMD.
Know your costs: Review excess options, instalment fees and sub‑limits before you buy.

How to get a quote

Complete a quick online quote with your car and driver details, select agreed or market value, and review the 24‑month replacement criteria. Read the PDS/TMD carefully, choose your excess and payment frequency, then bind cover digitally in minutes.

14. ING Car Insurance

If you’re comparing the best comprehensive car insurance for strong value without the fluff, ING deserves a look. It’s a white‑label of Budget Direct and, according to Canstar, retains a comparable value proposition in 2025—pairing competitive premiums with high levels of cover.

Why it stands out

ING’s appeal is its combination of price and breadth of cover, backed by independent recognition.

Outstanding value lineage: Recognised by Canstar in 2025; a white‑label of Budget Direct’s consistently awarded offering.
Value-forward settings: Built to deliver a strong cover‑to‑price ratio across common driver profiles.
Simple to shortlist: A credible alternative if you’re weighing Budget Direct against other value brands.

Core cover and optional extras

Expect comprehensive protection designed for everyday risks, with the specifics set out in the PDS/TMD.

Comprehensive protection: Covers accidental loss or damage to your car and damage your car causes to other people’s property.
Feature depth: Check the PDS for details on settlement options, glass cover, hire‑car benefits and any new‑car replacement terms.
Support and claims: Review claims lodgement hours, excess choices and repair arrangements before you buy.

Best for

Value‑seekers chasing competitive premiums with robust cover.
Everyday drivers who want straightforward, comprehensive protection.
Shoppers comparing Budget Direct with a like‑for‑like white‑label alternative.

Keep in mind

White‑label basics: Always check who issues the policy and handles claims in the PDS/TMD.
Feature verification: Don’t assume parity—confirm payout basis, replacement windows, limits and exclusions.
Offer variance: Discounts and promotions can differ by brand and timing; validate at quote.

How to get a quote

Start an online quote with your vehicle and driver details, then review the PDS/TMD to confirm key settings (excess, settlement basis, hire‑car and glass cover). Compare the premium and features against your shortlist before binding cover, and choose a payment frequency that fits your budget.

15. Virgin Money Car Insurance

Virgin Money rounds out our list as a value‑led option that’s easy to shortlist when you’re comparing the best comprehensive car insurance for 2025. Backed by a white‑label partnership with Budget Direct, it emphasises competitive premiums paired with broad cover.

Why it stands out

Virgin Money’s pitch is simple: strong cover at a sharp price, validated by independent research.

Outstanding Value recognition: Canstar notes Virgin Money as offering outstanding value in 2025.
Budget Direct lineage: A white‑label of Budget Direct, known for competitive pricing and robust features.

Core cover and optional extras

Expect a straightforward comprehensive policy focused on everyday risks and liability protection. Always confirm specifics in the PDS/TMD.

Comprehensive protection: Accidental damage to your vehicle, theft and vandalism, weather events (e.g., storm, hail, flood), and cover for damage to other people’s property.
Optional extras: Availability and limits vary—check for add‑ons like windscreen, hire‑car and repairer options in the policy documents.
Excess and limits: Pick an excess that suits your budget; review any sub‑limits that could apply at claim time.

Best for

Value seekers who want a competitively priced, full‑featured comprehensive policy.
Shoppers comparing Budget Direct but preferring Virgin Money branding or service touchpoints.
Everyday drivers wanting clear, comprehensive protection without overcomplicating the setup.

Keep in mind

White‑label specifics: Features and claims handling are set by the issuer—read the PDS/TMD to confirm who underwrites and manages claims.
Feature parity isn’t guaranteed: Don’t assume identical settings to Budget Direct; verify settlement basis, add‑ons, and replacement terms.
Promotions vary: Discounts and offers change—validate any savings at quote time.

How to get a quote

Complete a quick online quote with your vehicle and driver details, then review the PDS/TMD to confirm key settings (excess, settlement basis, any add‑ons). Compare the premium and inclusions against your shortlist—especially Budget Direct—before binding cover and choosing a payment frequency that suits your cashflow.

Next steps

You’ve now got a clear picture of who offers standout value, which features matter, and where the gotchas live. To lock in the right policy at the right price, keep momentum while details are fresh and your vehicle profile is handy.

Shortlist 3–5 quotes that meet your needs, not just the cheapest headline price.
Pick your payout basis (agreed vs market value) and confirm the write‑off replacement window.
Set an excess you can afford at claim time and check for any age or additional excesses.
Add only must‑have extras (glass, hire car, roadside) and watch for monthly fees.
Read the PDS and TMD so limits, exclusions and conditions don’t surprise you later.
Secure any discounts or a Price‑Beat if you have a competing written quote.

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