Bingle Car Insurance is a budget-friendly, fully online car insurer owned by Suncorp Group (underwritten by AAI Limited) that offers two no-frills cover types — Comprehensive and Third Party Property Damage — and it has won Canstar’s Outstanding Value award every year since 2026, 2025, 2024, 2023, 2022, 2021, 2020 and 2018.
Bingle Car Insurance At A Glance
| Stat | Detail |
|---|---|
| Parent company | Suncorp Group (underwritten by AAI Limited) |
| Founded | 2007 |
| Cars insured since launch | Over 715,000* |
| Claims paid since launch | Over 165,000* |
| Cover types | Comprehensive, Third Party Property Damage |
| Canstar Outstanding Value Award | Won in 2026, 2025, 2024, 2023, 2022, 2021, 2020 and 2018 |
| Finder Awards 2026 | Highly Commended – Best Value Car Insurance; Highly Commended – Best Low Cost Car Insurance |
| Customer service | 100% online, no phone claims |
| Trustpilot rating | Rated “Bad” (around 1.7/5)* |
| Roadside assistance | Not included as standard |
| Discounts offered | None advertised as of this writing |
What Is Bingle Car Insurance?
- Bingle Car Insurance is an Australian car insurance brand that sells policies exclusively online — no call centre small talk, no paperwork mountains.
- It’s part of the Suncorp Group family, one of Australia’s largest insurance groups, so the money backing your claim comes from a genuinely big, financially stable player.
- The pitch is simple: strip out the extras nobody uses, keep the price low, and let customers self-serve everything from quotes to claims through the website.
- It launched in 2007 and has grown into one of the most awarded “value” car insurers in the country, picking up Canstar’s Outstanding Value gong almost every year since.
- Think of it as the no-frills flight of car insurance — you get from A to B safely, but don’t expect a hot towel and a snack basket along the way.
The Story Behind Bingle Car Insurance
- Bingle Car Insurance launched in 2007 as one of Australia’s earlier attempts at a fully digital, direct-to-consumer car insurance brand, at a time when most people still expected to ring a call centre for everything.
- The brand built its entire identity around being the “no fluffy bits” option — a deliberately stripped-back alternative to insurers piling on optional extras and charging accordingly.
- Being folded into Suncorp Group gave Bingle the backing of a major, ASX-listed insurer, while letting it keep operating as a lean, digital-only brand with its own pricing and processes.
- Since launch, Bingle says it has insured over 715,000 cars and paid out more than 165,000 claims, numbers that reflect a genuinely large, established customer base rather than a niche startup.
- Nearly two decades in, the brand’s core pitch hasn’t really changed: simple comprehensive car insurance, priced low, managed entirely online.
Bingle Car Insurance Website And App Experience
- Everything happens through Bingle’s website and online portal — getting a quote, buying a policy, updating your details, and lodging a claim.
- The quote process is designed to take just a few minutes, with straightforward questions about your car, your driving history, and where you park overnight.
- Once you’re a policyholder, the “My Policy” portal lets you view your documents, pay your excess, track a repair, and update listed drivers without waiting on hold.
- There’s no dedicated mobile app in the traditional sense — the mobile-friendly website effectively acts as the app, which works fine for most tasks but can feel limiting if you prefer a native app experience.
- For naturally tech-comfortable customers, this self-service setup is a genuine time-saver. For anyone who prefers talking things through with a real person, it can feel like a gap, especially mid-claim.
Bingle Car Insurance Cover Types
Bingle Car Insurance keeps things deliberately simple with just two levels of cover.
1. Comprehensive Car Insurance
- Covers accidental loss or damage to your own car, including accidents, fire, storms, theft, and malicious damage.
- Covers your legal liability for damage you accidentally cause to someone else’s car or property, up to $20 million.
- Pays out up to your car’s market value at the time of the incident (not an “agreed value” like some insurers offer).
- Includes cover for permanently fitted modifications and accessories without needing to list them separately.
- Comes with a lifetime guarantee on repairs completed by an authorised Bingle repairer, for as long as you own the car.
- Bingle chooses the repairer — you don’t get to pick your own mechanic under the standard policy.
2. Third Party Property Damage
- Covers only the cost of damage you cause to someone else’s car or property.
- Does not cover damage to your own vehicle.
- It’s the cheapest tier of car insurance available, aimed at older or lower-value cars where comprehensive cover might not make financial sense.
What’s Covered vs What’s Not
| Feature | Comprehensive | Third Party Property Damage |
|---|---|---|
| Damage to your own car | Yes | No |
| Damage to someone else’s property | Yes, up to $20 million | Yes, up to $20 million |
| Theft and attempted theft | Yes | No |
| Fire and storm damage | Yes | No |
| Modifications and accessories | Covered automatically | Not applicable |
| New for old replacement | Available (limits apply) | No |
| Roadside assistance | Not included as standard | Not included |
| Hire car / hire car cover | Optional extra only | Not available |
| Windscreen and glass excess removal | Optional extra only | Not available |
How Much Does Bingle Car Insurance Cost?
- Bingle Car Insurance is consistently ranked among the cheapest comprehensive car insurance options in independent comparisons, including Finder’s Insurance Awards research.
- Your actual premium depends on a mix of factors, not a flat rate — so two drivers can pay very different amounts for what looks like the same cover.
Bingle vs Other Popular Car Insurers
Here’s how Bingle Car Insurance stacks up against other well-known Australian providers on cover features that matter most to everyday drivers.
| Feature | Bingle | Budget Direct | Youi | NRMA |
|---|---|---|---|---|
| Roadside assistance included | No | Optional extra | Yes (comprehensive) | Optional extra |
| Choice of repairer | No | Often yes | Often yes | Often yes |
| Agreed vs market value | Market value only | Choice available | Choice available | Choice available |
| Hire car after at-fault accident | Optional extra | Often included | Often included | Often included |
| Known for | Rock-bottom pricing | Balanced pricing and features | Personalised pricing | Strong brand trust, wide network |
| Customer service channel | Online only | Phone and online | Phone and online | Phone and online |
How To Make A Claim With Bingle
- All claims are lodged 100% online, 24 hours a day, 7 days a week — there’s no phone line for lodging a new claim.
- Typical claim steps:
- Log in to your Bingle account or the claims portal.
- Enter details of the incident, including date, location, and what happened.
- Upload supporting documents like photos, a police report reference, or other driver’s details.
- Pay your excess when required.
- Track your repair status and communicate through the online portal.
- Once approved, repairs are carried out at a Bingle-selected repairer, and completed work is backed by a lifetime repair guarantee for as long as you own the car.
- Some customer reviews describe long wait times and limited direct contact during more complex claims, particularly where parts are on backorder or a claim needs escalation — a trade-off worth knowing about before you buy purely on price.
Who Is Bingle Car Insurance Best For?
- Confident, comfortable-online drivers who don’t mind managing everything themselves through a website or app.
- Budget-conscious drivers who want solid comprehensive cover without paying for extras they’ll never use, like roadside assistance they already get through their car manufacturer or a motoring club.
- Owners of newer or mid-value cars where market value cover is a reasonable trade-off.
- People who rarely claim and mostly want peace of mind at the lowest possible price.
7 Tips To Get The Cheapest Bingle Car Insurance Quote
- Choose a higher excess if you can comfortably afford to pay it out of pocket after a claim — it usually lowers your premium.
- Only add optional extras like Keep Mobile or glass cover if you genuinely think you’ll use them.
- List all regular household drivers accurately to avoid unlisted driver excess surprises later.
- Compare your Bingle Car Insurance quote against at least two other insurers before locking anything in.
- Review your policy every year at renewal instead of letting it auto-renew without checking the price.
- Keep your car details (garaging address, estimated annual kilometres) accurate and updated.
- If you’re a safe driver with a clean history, ask whether that history is reflected in your quote before accepting the first price shown.
Conclusion
- Bingle Car Insurance is one of the cheapest, most consistently awarded comprehensive car insurance options in Australia, backed by the financial strength of Suncorp Group.
- It offers two straightforward cover types — Comprehensive and Third Party Property Damage — plus a small set of optional extras like hire car cover and glass excess removal.
- The trade-off for the low price is a fully online, no-phone-support service model, which shows up clearly in mixed customer reviews, especially around claims handling.
- Bingle Car Insurance suits confident, budget-focused, self-service drivers best, while those who want repairer choice, bundled roadside assistance, or phone-based support may prefer a fuller-service insurer.
- Always check the current Product Disclosure Statement and get a personalised quote before deciding, since pricing, discounts, and inclusions can change.
Frequently Asked Questions
1. Is Bingle Car Insurance actually cheap?
Yes — independent comparison sites like Canstar and Finder have repeatedly rated Bingle among the cheapest comprehensive car insurance options in Australia, awarding it Outstanding Value multiple years running.
2. Who owns Bingle Car Insurance?
Bingle is part of the Suncorp Group and is underwritten by AAI Limited, giving it the financial backing of one of Australia’s largest insurance groups.
3. Does Bingle Car Insurance include roadside assistance?
No, roadside assistance is not included as standard with Bingle Car Insurance and isn’t currently offered as an add-on either — you’d need to arrange this separately.
4. Can I choose my own repairer with Bingle?
No, under the standard Bingle Car Insurance policy, the insurer selects the repair shop rather than letting you choose your own mechanic.
5. Does Bingle offer agreed value cover?
No, Bingle Car Insurance only offers market value cover, meaning your payout reflects your car’s value at the time of the incident, not a value you nominate in advance.
Thank you for reading, Samajho Bima.
If you found this helpful, check out our previous blog on:
- Softlogic Life Insta Claim
- Norka Insurance
- Mpro Max Life Insurance
- Icici Lombard Bike Insurance
- Ageas Federal Life Insurance
- Volo Health Insurance
- Royal Sundaram Health Insurance Renewal
- Religare Health Insurance
- Urgent Loan For Cibil Defaulters
- Edelweiss Tokio Life Insurance
- United India Insurance Renewal
