What is the best comprehensive car insurance in Australia depends on your priorities, but Canstar, Finder and ProductReview awards for 2024-2025 consistently rank several insurers at the top. For best overall value and cheapest premiums, Budget Direct is often rated best comprehensive insurance, winning Canstar Outstanding Value awards for several years, offering up to 30% discount for online purchase and multi-policy, new car replacement for 2 years if total loss, hire car after theft, and windscreen cover. For best claims service and repair network, NRMA Insurance is considered best in NSW and ACT with over 2.4 million members, huge recommended repairer network, lifetime guarantee on repairs and 4.5 stars on ProductReview. For best for electric vehicles like Tesla, BYD, MG4 and Polestar, Allianz and NRMA are best because they include specific EV benefits like cover for charging cables, wall chargers, battery and emergency charging if you run out of charge. For best for young drivers under 30, Rollin and Youi are best with lower age excess and flexible monthly payments. For best for drivers over 50, Apia offers senior discounts. For best for choice of repairer, Youi and Suncorp allow choice of repairer as standard. A good comprehensive policy should include market or agreed value choice, hire car after theft or not-at-fault accident for 14 to 21 days, windscreen cover with no excess, new car replacement for 2 years, personal items cover up to $1,000, and emergency accommodation up to $1,000. Budget Direct, NRMA, Allianz, Youi and Suncorp all offer these features.
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