What types of car insurance does Bingle offer?
At the time of writing, Bingle offers the following types of car insurance:
- Comprehensive car insurance—the most extensive form of optional car insurance cover, which covers accidental loss or damage to your own car and liability for accidental damage to someone else’s car or property caused by you.
- Third Party Property Damage—only provides cover for damage done to other people’s vehicles and property.
If you’re unsure about which kind of car insurance is most appropriate for you, or you’d like more information on the differences between the levels of cover, here’s our guide to the different kinds of car insurance in Australia.
What does Bingle comprehensive car insurance cover?
At the time of writing, Bingle’s comprehensive car insurance policy provides cover for the following as standard:
- Damage to your car as a result of a driving accident
- Damage to your car caused by fire (e.g. from collisions or from a bush fire)
- Damage to your car caused by a storm, such as flooding and hail damage
- Theft of your car or its contents
- Malicious damage to your car, including vandalism
- Damage to other vehicles and property that you caused in an accident
- Personal liability if you’re sued as a result of an accident
- Towing your car to a repairer or another agreed place if it can’t be driven after an accident.
- Most legal car modifications and accessories that are permanently fitted to your car (i.e. tinted windows, sound systems etc). Exclusions may apply.
- The cost to replace baby capsules or child seats (to a maximum of $500 per item for any one accident) if they’re damaged when your car is involved in an accident, or if your car is stolen.
Bingle also provides windscreen and window glass cover, hire car cover and new for old car replacement as optional extras at an additional cost.
For more detail on what is and isn’t covered under Bingle’s comprehensive car insurance, read the Product Disclosure Statement (PDS).
Does Bingle let you nominate a higher or lower excess?
Yes, Bingle lets eligible policyholders nominate a higher or lower excess amount. Bingle offers a range of standard excess amounts to choose from when you first purchase a policy.
But remember, generally the higher the excess, the lower the car insurance premiums will be and vice versa. Bingle’s car insurance standard excess can only be changed at renewal. But if you wish to change the excess at any other time, according to Bingle, you will have to cancel your existing policy and start a new one through their online portal.
Bingle’s PDS states that in addition to the standard excess that is applied to all claims, there could also be:
- An age excess applied if a driver is under 25 years of age and was using the car at the time of the incident
- An unlisted household member or regular driver excess applied if a driver using the car at the time of the incident was a household member or regular driver but not listed as such on your policy
If applicable, these excesses would be paid in addition to any standard excess, and are typically not negotiable at the time of taking out the policy.
Is it better to nominate a higher or lower excess with Bingle car insurance?
Whether it’s better to nominate a higher or lower excess for your car insurance policy will depend on your personal circumstances and preferences. If you have a higher excess, your premium costs will typically be lower, but if your excess is low, your premiums will usually be higher.
For example, if you don’t think you’ll be able to pay out the excess when and if you have to make a claim, it might be better to reduce your excess and pay for higher premiums instead.
Does Bingle car insurance include car hire after accidents?
Bingle only offers a rental car after an accident if you purchase its optional extra called ‘Keep Mobile’ with your car insurance policy.
Bingle’s Keep Mobile cover includes:
- Copycat cover—If, due to an incident covered by your car insurance policy, your car is not safe to drive or is at the repairer or has been stolen, you’ll receive the same insurance coverage for whatever car is being used in place of your car.
- Hire car—Bingle will arrange for a hire car for you to use, which can be as long as it takes for your claim to settle. The hire car will also be covered under the ‘copycat cover’.
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