Car insurance deals and offers

While an upfront discount or offer shouldn’t be the sole reason you choose one car insurance policy over another, it can be a sweetener worth considering. Especially if you’ve compared policies and found the best-value product for you happens to have a sign-up offer or deal attached.

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Below are some of the discounts and incentives found on the websites of a wide range of providers (at the time of writing) when you buy car insurance online.

You’ll need to check with the provider to confirm how any discount is applied, especially multiple discounts as they may be applied in a predetermined way that’s not necessarily just adding them together to get one combined discount.

The discount may also apply before any other benefits, taxes and government charges are applied, and there could be a minimum premium limit.

Check also with your provider to confirm the expiration date, eligibility criteria and other details of any sign-up offer you are considering.

So what’s new…?

Car insurance deals and offers – April 2024

AAMI

Save $50 on a new comprehensive car insurance policy when you buy online, or save $20 on a new third-party property damage policy you buy online. Check with AAMI for eligibility requirements and other T&Cs.

Apia

Get a 10% discount for having two or more eligible policies with Apia, with car insurance counting as one. A 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 policyholders work less than 37 hours per week. A separate 10% discount applies to eligible new comprehensive policies you buy online, but this discount cannot be used at the same time as other offers. Exclusions may apply. Check with Apia for eligibility requirements and other T&Cs.

Australia Post

Get $75 off your first year’s premium when you buy comprehensive car insurance online. Check with Australia Post for eligibility requirements and other T&Cs.

Australian Seniors

Get at a 5% discount on your premium if you hold a Seniors Card. Check with Australian Seniors for eligibility requirements and other T&Cs.

Australian Unity

Save up to 15% on your first year’s premium when you buy a new comprehensive motor insurance policy online as an eligible safe driver (based on a 10% discount for buying online, and an estimated 5% for the safe driver discount). Its Comprehensive Motor Insurance policy also has an optional “Named Driver” discount available if you name all drivers on your policy, but a high excess will be charged for any claims under an unnamed driver. Check with Australian Unity for eligibility requirements and other T&Cs.

BankSA

Save up to 10% on your first year’s premium when you buy a new comprehensive motor insurance policy online. You may also be eligible for a safe driver discount. Conditions apply as to how discounts may be combined. Check with BankSA for eligibility requirements and other T&Cs.

Bankwest

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

Budget Direct

Receive a 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

Bupa Health members may receive a 10% discount when buying a car insurance policy, and Bupa Ultimate Health members may receive up to 15% off each year. Check with Bupa for eligibility requirements and other T&Cs.

Coles

Collect double Flybuys points from shopping at Coles when you take out a Coles comprehensive car insurance policy and link your Flybuys number. Maximum limits apply per policy, per month. You may also be eligible for a 15% discount if you buy a new policy online. Check with Coles for eligibility requirements and other T&Cs.

Commonwealth Bank

Save up to 10% on your premium when you buy online. Check with Commonwealth Bank for eligibility requirements and other T&Cs.

GIO

Get a 10% discount on your premium when you buy a new car insurance policy online. You can also get a 10% multi-policy discount for combining three or more eligible GIO policies at the same time, with car insurance counting as one. If you’re a driver under age 25, you can get a 10% family discount if your parents are also with GIO. For those in NSW, you may also be eligible for a $50 discount on your GIO Platinum or Comprehensive premium if you combine it with a GIO NSW CTP Green slip on the same car and registration. Check with GIO for eligibility requirements and other T&Cs.

HSBC

Get up to a 10% discount on your first year’s premium when you buy a new comprehensive car insurance policy online. You may be able to get a safe driver discount of up to 10% on your new comprehensive policy, based on the insurance and driving history of all drivers on your policy. Check with HSBC for eligibility requirements and other T&Cs.

Huddle Insurance

Save up to 30% on your premium if you drive 15,000km or less each year compared to regular comprehensive cover. Check with Huddle Insurance for eligibility requirements and other T&Cs.

Hume Bank

Save up to 10% off your first year’s premium 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.

ING

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

Kogan Insurance

Get $75 off the first year’s premium when you buy a new comprehensive car insurance policy online. It is not available with any other offers and does not apply to policy renewals. Offer ends 24 April 2024. Kogan Insurance is also offering $5 Kogan.com credit for single purchases of $100 or more when you complete an insurance quote, as well as $10 off Kogan.com purchases of over $100 every month until you cancel your policy. Check with Kogan Insurance for eligibility requirements and other T&Cs.

NAB

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

National Seniors Insurance

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 be applicable for comprehensive car insurance policies. Check with National Seniors Insurance for eligibility requirements and other T&Cs.

NRMA

Those living in eligible states can save up to 12.5% on your car insurance through a loyalty discount if you stay with NRMA a number of years, and an extra discount may apply if you have other eligible policies. For those living in SA, WA and NT, you may be able to save up to 10% on your first year’s premium if you buy online. Check with NRMA for eligibility requirements and other T&Cs.

Over Fifty Insurance

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.

Qantas Insurance

Get up to 20,000 Qantas Points after 60 days when you join or switch to Qantas car insurance (minimum spend of $1,550 required to earn 20,000 points), offer ends 22 April 2024. Earn one Qantas Point per $1 spent on your premium and an additional 2,600 points a year by using the Qantas Wellbeing App and regularly completing car safety checks and reaching your sleep goals. Check with Qantas Insurance for eligibility requirements and other T&Cs.

QBE

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

RAA

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. RAA also offers a loyalty discount to those with at least one RAA Road Service product and one RAA insurance product (with the exception of travel insurance). The discount amount will depend on how long you have been a RAA member. Check with RAA for eligibility requirements and other T&Cs.

RAC

Get up to 25% off comprehensive car insurance premiums for an eligible low-emissions car. Member savings of up to 10% also apply for comprehensive car insurance. Check with RAC for eligibility requirements and other T&Cs.

RACQ

Get a $25 discount when you buy comprehensive car insurance online. Other discounts, such as a multi-policy discount, no-claim discount and roadside assistance discount, are also available to eligible customers. Member savings of up to 17.5% could also apply for those with RACQ roadside assistance. Check with RACQ for eligibility requirements and other T&Cs.

RACT

Combine your comprehensive car insurance with home and contents for a 10% discount on your premium. Check with RACT for eligibility requirements and other T&Cs.

RACV

Get a 10% discount on your car insurance and any other eligible multi-policy insurance when you take out two or more eligible policies. Depending on your membership tier, member savings of up to 20% also apply on all car insurance. Check with RACV for eligibility requirements and other T&Cs.

Real Insurance

Save up to $220 based on a Pay As You Drive profile. Actual savings are determined by your individual circumstances. Check with Real Insurance for eligibility requirements and other T&Cs.

Retirease Insurance

You may be eligible for a number of discounts, for example, if you restrict the age of drivers and drive less than 10,000km a year. Check with Retirease Insurance for eligibility requirements and other T&Cs.

Shannons

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

St.George

Save up to 10% on your first year’s premium if you buy a new comprehensive car insurance policy online. You could also reduce your premium by choosing to list all drivers on the policy, but a high excess will be charged for any claims under an unnamed driver. You may also be eligible for a safe driver discount. Conditions apply as to how discounts may be combined. Check with St.George for eligibility requirements and other T&Cs.

Suncorp

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 (with car insurance counting as one policy), you can get a 15% multi-policy discount. Additionally, if you’re under 25 and your parent has a Suncorp comprehensive car insurance, you’ll receive a 10% discount on your own comprehensive premium. Check with Suncorp for eligibility requirements and other T&Cs.

TIO

Get up to a 5% discount on comprehensive car insurance if you name all the drivers covered on the policy. Check with TIO for eligibility requirements and other T&Cs.

Virgin Money

Save 15% on your first year’s premium when you buy online. Check with Virgin Money for eligibility requirements and other T&Cs.

Westpac

Save up to 10% on a new comprehensive car insurance policy on your first year’s premium. You may also be eligible for a safe driver discount. By choosing to list all drivers on your policy, you could reduce your premium, but a high excess will be charged for any claims under an unnamed driver. Conditions apply as to how discounts may be combined. Check with Westpac for eligibility requirements and other T&Cs.

Woolworths (Everyday Insurance)

Save up to $282 on comprehensive car insurance if you drive less than 15,000km a year. Save 10% of your grocery shop once a month as an Everyday Car Insurance customer. Check with Woolworths (Everyday Insurance) for eligibility requirements and other T&Cs.

Source: Providers’ websites. Information gathered on 2 April 2024.

This is not a comprehensive list and you may be able to find other car insurance deals and discounts. Discounts and deals listed are also subject to change.

Some of these discounts might not apply to extra premiums for optional covers (such as windscreen cover). Also, the discount or saving often only apply to the first year of premiums. Be sure to read the full terms and conditions of the offers and any relevant documents, such as the product disclosure statement (PDS) and target market determination documents (TMD), before you apply.

→ Read more: 10 tips to save money on your car insurance

Keep in mind…

While discounts and bonuses can sound great, keep in mind that a policy offering an online discount isn’t always better value than one that doesn’t offer one. It’s important to take into account the quality of the coverage you’re getting for your money.

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