Car insurance deals and offers

SHAY WARAKER
Car insurance providers commonly offer discounts and special offers to attract new customers. Whether you’re looking into car insurance for the first time or renewing your cover, it could be worth shopping around before you make a decision.

When did you last review your car insurance? You might find you could clear some space in your regular budget by comparing policies and taking a look at what’s on offer. While an upfront discount shouldn’t necessarily be the sole reason you choose one car insurance policy over another, it can be a nice cherry on top if you’ve compared policies and found the best value product for you just happens to have a sign-up offer attached.

Below are some of the discounts and incentives found on providers’ websites (at the time of writing) for buying car insurance online. The discounts are from a wide range of providers on Canstar’s database, and are typically in comparison to the standard premium paid for a new policy. Check with your provider to confirm the expiration date, eligibility criteria and any other details of any sign-up offer you are considering.

Car insurance deals and offers – October 2021

Get up to 10% off the first year’s comprehensive motor insurance premium when you take out a new policy online. Check with 1300 Insurance for eligibility requirements and other T&Cs.

Save $50 on a new comprehensive policy when you buy online, or save $20 on a new third party property damage policy by buying online. Other discounts may also apply. Check with AAMI for eligibility requirements and other T&Cs.

Get a 10% discount for having two or more eligible policies with Apia, with car insurance counting as one. An Apia Drive Less Pay Less discount is available with comprehensive car insurance if you travel under 20,000km per year. A Work Less Pay Less discount may also be applied if one or more policy holders work less than 37 hours per week. A separate discount applies to new eligible policies purchased online, but this discount cannot be used at the same time as other offers and exclusions apply. Check with Apia for eligibility requirements and other T&Cs.

Save up to 20% on your first year’s premium when you buy a new policy online (get a 10% discount for buying online, a 5% discount for excluding drivers under 25 years of age, and a 5% discount if you hold a Seniors Card). Check with Australian Seniors Insurance Agency for eligibility requirements and other T&Cs.

Save up to 15% on your first year’s premium when you buy a new comprehensive motor insurance policy online and select the named driver option as an eligible safe driver (the 15% calculation is based on data suggesting the majority of customers receive a 5% discount for safe driving, plus the 10% online discount). Check with Australian Unity for eligibility requirements and other T&Cs.

Save up to 15% on your first year’s premium when you are eligible for a safe driver discount, name your driver and buy a new comprehensive car insurance policy online. Check with BankSA for eligibility requirements and other T&Cs.

Get up to 10% off your premium when you apply online. Check with Bankwest for eligibility requirements and other T&Cs.

Beyond Bank

Get up to a 10% discount off your first year’s comprehensive car insurance premium when you apply online. Check with Beyond Bank for eligibility requirements and other T&Cs.

15% discount on the first year’s premium when you buy a new car insurance policy online. Check with Budget Direct for eligibility requirements and other T&Cs.

Bupa Health members may receive a 10% discount when buying a new car insurance policy, and Bupa Ultimate Health members may receive 15% off. Get a $50 Visa Reward Card when you take out a new comprehensive car insurance by 30 November 2021 and pay upfront. Check with Bupa for eligibility requirements and other T&Cs.

Collect double Flybuys points from shopping at Coles when you take out a Coles comprehensive car insurance policy. Maximum limits apply per policy, per month. You may also be eligible for a 10% discount if you purchase your new policy online. Check with Coles for eligibility requirements and other T&Cs.

Save up to 10% on your premium when you apply online, and get $50 cashback if you do so by 24 October. Check with Commonwealth Bank for eligibility requirements and other T&Cs.

Get 10% off when you buy a new car insurance policy online. You may also be eligible to qualify for further discounts, such as a multi-policy discount and family discount. Check with GIO for eligibility requirements and other T&Cs.

If you’re eligible, a safe driver discount of up to 10% may be applied to your new comprehensive policy. Check with HSBC for eligibility requirements and other T&Cs.

Save up to 10% off your first year’s premiums when you buy a new comprehensive car insurance policy online. You may also be eligible for up to 10% off your new policy if you meet safe driver discount requirements. Check with Hume Bank for eligibility requirements and other T&Cs.

Save up to 15% of your first year’s base premium when you buy an eligible car insurance policy online. Check with ING for eligibility requirements and other T&Cs.

Save up to 10% off your first year’s premiums when you buy an eligible policy online (made up of a 5% online discount and a further 5% discount for excluding drivers under 25), and receive a $50 credit for Kogan.com when you buy a new pay-as-you-drive or comprehensive car insurance policy. Check with Kogan for eligibility requirements and other T&Cs.

Save up to 10% off the first year’s premiums when you buy a new comprehensive car insurance policy online. If you’re eligible, a safe driver discount of up to 10% may also apply. You may also reduce your premiums by naming the drivers on your policy. Check with NAB for eligibility requirements and other T&Cs.

Purchase a new comprehensive car insurance policy online and save up to 10% on your first year’s premium. If you’re eligible, a safe driver discount of up to 10% may be applicable for comprehensive car insurance policies. Check with National Seniors Insurance for eligibility requirements and other T&Cs.

Save up to 10% on your first year’s premium when you buy a new comprehensive car insurance policy online. If you’re eligible, a safe driver discount of up to 10% may also be applicable for new comprehensive car insurance policies. Check with Over Fifty Insurance for eligibility requirements and other T&Cs.

PD Insurance offers a number of discounts on car insurance premiums that you may be eligible for, such as a claims-free discount, an annual payment discount for paying your entire yearly premium upfront, an early shopper discount if you get a quote before your existing policy expires, and an exclusive-driver discount if you’re the only driver of your car. Check with PD Insurance for eligibility requirements and other T&Cs.

Get up to 20,000 Qantas Points when you join or switch to Qantas car insurance (minimum spend of $1,550 required to earn 20,000 points). Earn one Qantas Point per $1 spent on your membership when you purchase roadside assistance. Check with Qantas Insurance for eligibility requirements and other T&Cs.

Save $75 when you buy a new comprehensive car insurance policy online. Check with QBE for eligibility requirements and other T&Cs.

Save 10% on each policy if you hold three or more insurance policies with RAA (excluding travel insurance). If you hold a Seniors Card, you may also receive a 10% discount on your car insurance premiums. Check with RAA for eligibility requirements and other T&Cs.

Get up to $100 off your first year’s premium when you switch to RAC comprehensive car insurance online, or $30 when you switch online to RAC’s third party or third party fire and theft car insurance policies. Plus, get up to 25% off comprehensive car insurance for a low-emissions car. Member savings apply for comprehensive car insurance. Check with RAC for eligibility requirements and other T&Cs.

Get a $50 discount when you buy comprehensive car insurance online. Other discounts, such as a multi-policy discount, a no-claim discount and a roadside assistance discount are also available. Check with RACQ for eligibility requirements and other T&Cs.

Save up to 10% off the first year’s premium when you buy online (consists of 5% for applying online and 5% for excluding drivers under 25). Check with Real Insurance for eligibility requirements and other T&Cs.

Customers with a SGIC CTP policy who choose to take out a new comprehensive car insurance policy by 24 October may receive a Visa $100 eGift Card. Check with SGIC for eligibility requirements and other T&Cs.

Multi-vehicle discounts, multi-policy discounts and no-claims discounts can apply with Shannons car insurance. Customers may also be eligible for limited use, laid-up and club plate special premium rates. Check with Shannons for eligibility requirements and other T&Cs.

Save up to 15% on your first year’s premium for buying a new comprehensive car insurance policy online with a safe driver discount. The 15% calculation is based on data suggesting the majority of customers receive a 5% discount for safe driving. Check with St.George for eligibility requirements and other T&Cs.

Get $50 off when you buy comprehensive car insurance online. Alternatively, get $20 off when you buy third party property damage or third party fire and theft insurance online. If you combine three or more eligible policies, you can get a 15% multi-policy discount. Check with Suncorp for eligibility requirements and other T&Cs.

New customers who purchase a comprehensive car insurance policy before 30 November may receive a $100 e-gift card. Save 15% on your first year’s premium when you purchase a new eligible car insurance policy online. Discount does not apply to renewals. Check with Virgin Money for eligibility requirements and other T&Cs.

Save up to 15% on a new comprehensive car insurance policy on your first year’s premium for buying online with a safe driver discount. The 15% calculation is based on data suggesting the majority of customers receive a 5% discount for safe driving. Check with Westpac for eligibility requirements and other T&Cs.

Woolworths offers ‘price beat’ on comparable comprehensive car insurance renewal offers for drivers aged 25 and over, plus save up to 15% on the first year’s premiums when you buy online (made up of a 5% promotional discount, a 5% online application discount and a 5% discount for excluding drivers under 25). Drive Less Pay Less cover is also available. You can also receive 10% off your Woolworths grocery shop once a month, up to a value of $500 in a single transaction if you are a Woolworths insurance policyholder (excludes Tasmania). Check with Woolworths for eligibility requirements and other T&Cs.

Source: Providers’ websites. Information gathered correct as of 8 October, 2021.

NOTE: Some of these discounts might not apply to extra premiums for optional covers (such as windscreen cover). Also, the discount or saving often only applies to the first year of premiums. Be sure to read the full terms and conditions of the offers before you apply.

Keep in mind…

While discounts and bonuses can sound great, keep in