IN THIS REPORT: CAR INSURANCE COMPARISON. Increases are three times the level of current inflation. Report No. 7 March 2013

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1 Report No. 7 March 2013 IN THIS REPORT: We shadow shop 28,880 quotes, to research & rate 61 car insurance policies from 42 institutions to determine the car insurers offering outstanding value. We also look at how the claims service stacks up, with a major award in this area reflecting the results of our driver survey Increases are three times the level of current inflation. Average car insurance premiums across Australia have increased by more than three times the inflation rate over the past 12 months. Insurance s are undoubtedly a of living pressure for many Australian households and ensuring that policies chosen represent good value for money is ever important. While insurance premiums overall have increased, it s interesting to note the significant state-by-state fluctuations av. premium 2013 av. premium 1 year change NSW/ACT $1, $1, % QLD $ $ % VIC $1, $1, % WA $ $ % SA $ $ % TAS $ % CAR INSURANCE COMPARISON Each year, CANSTAR undertakes a comprehensive review of car insurance options in Australia. This year we have shadow-shopped 28,880 quotations of 61 insurance policies across 42 car insurers. We researched all states (please note that ACT and NSW results are reported together), including both metropolitan and regional postcodes. Importantly, we recognize that the age and life stage of drivers will influence the combination of product features and coverage that will best suit their needs; as such we compared each policy s price and features across seven common driver profiles: <25 Female <25 Male Female Male Family Mature >60 YOUR GUIDE TO PRODUCT EXCELLENCE

2 OUTSTANDING VALUE ACROSS THE BOARD When it comes to car insurance, savvy drivers can find great value by shopping around. This year, our research has found that two insurers provide outstanding value for money across all Australia: Budget Direct and QBE. Both insurers rank highly across pricing, features and claims satisfaction; additional recognition is also due to Budget Direct who have remained in our top award since we commenced rating car insurance in CANSTAR congratulates Budget Direct and QBE on providing outstanding value for money, Australia-wide. The overall national winners are judged based on the combination of consumer reach and the sum of points scored by individual products of the company across all profiles and states. On a state-by-state level, Budget Direct blitzed four out of six states, coming first in Victoria, New South Wales, Western Australia and Tasmania. NRMA triumphed in Queensland and SGIC was overall winner in South Australia. Congratulations also to these two excellent organisations. State Awards NSW QLD VIC WA SA TAS Budget Direct NRMA Budget Direct Budget Direct SGIC Budget Direct WE ROAD TEST THE CLAIMS SERVICE Recognising the importance placed on the claims experience by customers, CANSTAR has undertaken a separate consumer study to ascertain the level of claims service provided by insurers. This study enhances the value of the car insurance star ratings to consumers. We asked 4,071 motorists whether they had made a car insurance claim in the last three years. Of the 1,131 who responded yes, we asked them about their overall claims experience including factors such as the ease of the claims lodgment process, speed of response, quality and timeliness of the repair and how well the insurer communicated with them during the process. Finally we asked how satisfied they were with their claims experience and their likelihood of renewing with their current insurer. QBE have repeated their success of last year, again achieving the highest claims satisfaction score and winning the award for Outstanding Claims Service across Australia. We congratulate QBE for achieving such an impressive hat trick: first on value and satisfaction! YOUR GUIDE TO PRODUCT EXCELLENCE 2

3 HOW DOES YOUR CAR INSURER RATE? Australians love their cars, with over one million new vehicles hitting the road each year. Without the right insurance though, a car accident can set you back serious dollars. Then there is the risk of theft: according to the National Motor Vehicle Theft Reduction Council, a vehicle is stolen every ten minutes in Australia. Car insurance is not a one-size-fits-all product. Your age, stage of life, location, and choice of vehicle will all affect your choice of cover. Collating data from over 28,000 quotes, the CANSTAR star ratings report is a valuable resource for all motorists. COPYRIGHT CANSTAR Pty Ltd ABN , The recipient must not reproduce or transmit to third parties the whole or any part of this work, whether attributed to CANSTAR or not, unless with prior written permission from CANSTAR, which if provided, may be provided on conditions. DISCLAIMER To the extent that any CANSTAR data, ratings or commentary constitutes general advice, this advice has been prepared by CANSTAR Pty Ltd ABN AFSL and does not take into account your individual investment objectives, financial circumstances or needs. Information provided does not constitute financial, taxation or other professional advice and should not be relied upon as such. CANSTAR recommends that, before you make any financial decision, you seek professional advice from a suitably qualified adviser. A Product Disclosure Statement relating to the product should also be obtained and considered before making any decision about whether to acquire the product. CANSTAR acknowledges that past performance is not a reliable indicator of future performance. Please refer to CANSTAR s FSG for more information at YOUR GUIDE TO PRODUCT EXCELLENCE 3

4 Drivers New South Wales ««Budget Direct - Standard Comprehensive Either m GE Money - Comprehensive Either m Ozicare - Standard Comprehensive Either m Virgin Money - Comprehensive Either m «1300 Insurance - Gold Comprehensive Either m 1300 Insurance - Standard Comprehensive Either m AUSTRALIA POST - Comprehensive Either m Budget Direct - Gold Comprehensive Either m cashback - Accelerator Comprehensive Either m ibuyeco - Comprehensive Car Either m 1COVER DIRECT INSURANCE - Comprehensive Either m AAMI - Comprehensive Agreed m Allianz Australia - SureCover Plus Either m ANZ - Comprehensive Either m AON - Comprehensive Either m Australian Unity Insurance - Comprehensive Either m Bendigo Bank - Comprehensive Either m CGU - Comprehensive Either m Coles Insurance - Comprehensive Either y Commonwealth Bank - Comprehensive Either m GIO - Comprehensive Agreed m HBF Financial Services - Comprehensive Either m Hume Building Society - Comprehensive Either y Just Car Insurance - Comprehensive Agreed m K-Mart Tyre & Auto Service - Comprehensive Either m Myer Insurance - Comprehensive Either m Car Insurance Star Ratings page 1

5 Drivers New South Wales nab - Comprehensive Either m NRMA Insurance - Comprehensive NSW/ACT/TAS Either m NRMA Insurance - Comprehensive PLUS NSW/ACT/TAS Agreed m OnePath - Comprehensive Either m People's Choice Credit Union - Comprehensive Either m QBE - Comprehensive Either m Real Insurance - Comprehensive Agreed m St.George Bank - Comprehensive Either m Suncorp Bank - Comprehensive Agreed m Westpac - Comprehensive Either y Woolworths Limited - Comprehensive Agreed m Car Insurance Star Ratings page 2

6 Family with Young Drivers - New South Wales ««Budget Direct - Standard Comprehensive Either m Ozicare - Standard Comprehensive Either m QBE - Comprehensive Either m «1300 Insurance - Gold Comprehensive Either m 1300 Insurance - Standard Comprehensive Either m AUSTRALIA POST - Comprehensive Either m Budget Direct - Gold Comprehensive Either m GE Money - Comprehensive Either m ibuyeco - Comprehensive Car Either m Virgin Money - Comprehensive Either m 1COVER DIRECT INSURANCE - Comprehensive Either m AAMI - Comprehensive Agreed m Allianz Australia - SureCover Plus Either m ANZ - Comprehensive Either m AON - Comprehensive Either m Australian Unity Insurance - Comprehensive Either m Bendigo Bank - Comprehensive Either m cashback - Accelerator Comprehensive Either m CGU - Comprehensive Either m Coles Insurance - Comprehensive Either y Commonwealth Bank - Comprehensive Either m GIO - Comprehensive Agreed m HBF Financial Services - Comprehensive Either m Hume Building Society - Comprehensive Either y Just Car Insurance - Comprehensive Agreed m K-Mart Tyre & Auto Service - Comprehensive Either m Car Insurance Star Ratings page 3

7 Family with Young Drivers - New South Wales Myer Insurance - Comprehensive Either m nab - Comprehensive Either m NRMA Insurance - Comprehensive NSW/ACT/TAS Either m NRMA Insurance - Comprehensive PLUS NSW/ACT/TAS Agreed m OnePath - Comprehensive Either m People's Choice Credit Union - Comprehensive Either m Real Insurance - Comprehensive Agreed m St.George Bank - Comprehensive Either m Suncorp Bank - Comprehensive Agreed m Westpac - Comprehensive Either y Woolworths Limited - Comprehensive Agreed m Car Insurance Star Ratings page 4

8 Mature Drivers >60 - New South Wales ««Budget Direct - Standard Comprehensive Either m GE Money - Comprehensive Either m Real Insurance - Comprehensive Agreed m «1300 Insurance - Gold Comprehensive Either m 1300 Insurance - Standard Comprehensive Either m AUSTRALIA POST - Comprehensive Either m Budget Direct - Gold Comprehensive Either m Ozicare - Standard Comprehensive Either m Virgin Money - Comprehensive Either m Woolworths Limited - Comprehensive Agreed m 1COVER DIRECT INSURANCE - Comprehensive Either m AAMI - Comprehensive Agreed m Allianz Australia - SureCover Plus Either m ANZ - Comprehensive Either m AON - Comprehensive Either m APIA - Comprehensive Either m Australian Unity Insurance - Comprehensive Either m Bendigo Bank - Comprehensive Either m cashback - Accelerator Comprehensive Either m CGU - Comprehensive Either m Coles Insurance - Comprehensive Either y Commonwealth Bank - Comprehensive Either m GIO - Comprehensive Agreed m HBF Financial Services - Comprehensive Either m Hume Building Society - Comprehensive Either y ibuyeco - Comprehensive Car Either m Car Insurance Star Ratings page 5

9 Mature Drivers >60 - New South Wales Just Car Insurance - Comprehensive Agreed m K-Mart Tyre & Auto Service - Comprehensive Either m Myer Insurance - Comprehensive Either m nab - Comprehensive Either m NRMA Insurance - Comprehensive PLUS NSW/ACT/TAS Agreed m NRMA Insurance - Comprehensive NSW/ACT/TAS Either m OnePath - Comprehensive Either m People's Choice Credit Union - Comprehensive Either m QBE - Comprehensive Either m St.George Bank - Comprehensive Either m Suncorp Bank - Comprehensive Agreed m Westpac - Comprehensive Either y Car Insurance Star Ratings page 6

10 Female Driver New South Wales ««1st for Women - Comprehensive Either m Budget Direct - Standard Comprehensive Either m NRMA Insurance - Comprehensive NSW/ACT/TAS Either m Virgin Money - Comprehensive Either m «1300 Insurance - Gold Comprehensive Either m AUSTRALIA POST - Comprehensive Either m Budget Direct - Gold Comprehensive Either m GE Money - Comprehensive Either m ibuyeco - Comprehensive Car Either m Ozicare - Standard Comprehensive Either m 1300 Insurance - Standard Comprehensive Either m 1COVER DIRECT INSURANCE - Comprehensive Either m AAMI - Comprehensive Agreed m Allianz Australia - SureCover Plus Either m ANZ - Comprehensive Either m AON - Comprehensive Either m Australian Unity Insurance - Comprehensive Either m Bendigo Bank - Comprehensive Either m cashback - Accelerator Comprehensive Either m CGU - Comprehensive Either m Coles Insurance - Comprehensive Either y Commonwealth Bank - Comprehensive Either m GIO - Comprehensive Agreed m HBF Financial Services - Comprehensive Either m Hume Building Society - Comprehensive Either y Just Car Insurance - Comprehensive Agreed m Car Insurance Star Ratings page 7

11 Female Driver New South Wales K-Mart Tyre & Auto Service - Comprehensive Either m Myer Insurance - Comprehensive Either m nab - Comprehensive Either m NRMA Insurance - Comprehensive PLUS NSW/ACT/TAS Agreed m OnePath - Comprehensive Either m People's Choice Credit Union - Comprehensive Either m QBE - Comprehensive Either m Real Insurance - Comprehensive Agreed m St.George Bank - Comprehensive Either m Suncorp Bank - Comprehensive Agreed m Westpac - Comprehensive Either y Woolworths Limited - Comprehensive Agreed m Car Insurance Star Ratings page 8

12 Male Driver New South Wales ««Budget Direct - Standard Comprehensive Either m GE Money - Comprehensive Either m Ozicare - Standard Comprehensive Either m Virgin Money - Comprehensive Either m «1300 Insurance - Gold Comprehensive Either m 1300 Insurance - Standard Comprehensive Either m AUSTRALIA POST - Comprehensive Either m Budget Direct - Gold Comprehensive Either m cashback - Accelerator Comprehensive Either m ibuyeco - Comprehensive Car Either m 1COVER DIRECT INSURANCE - Comprehensive Either m AAMI - Comprehensive Agreed m Allianz Australia - SureCover Plus Either m ANZ - Comprehensive Either m AON - Comprehensive Either m Australian Unity Insurance - Comprehensive Either m Bendigo Bank - Comprehensive Either m CGU - Comprehensive Either m Coles Insurance - Comprehensive Either y Commonwealth Bank - Comprehensive Either m GIO - Comprehensive Agreed m HBF Financial Services - Comprehensive Either m Hume Building Society - Comprehensive Either y Just Car Insurance - Comprehensive Agreed m K-Mart Tyre & Auto Service - Comprehensive Either m Myer Insurance - Comprehensive Either m Car Insurance Star Ratings page 9

13 Male Driver New South Wales nab - Comprehensive Either m NRMA Insurance - Comprehensive NSW/ACT/TAS Either m NRMA Insurance - Comprehensive PLUS NSW/ACT/TAS Agreed m OnePath - Comprehensive Either m People's Choice Credit Union - Comprehensive Either m QBE - Comprehensive Either m Real Insurance - Comprehensive Agreed m St.George Bank - Comprehensive Either m Suncorp Bank - Comprehensive Agreed m Westpac - Comprehensive Either y Woolworths Limited - Comprehensive Agreed m Car Insurance Star Ratings page 10

14 Young Female Driver <25 - New South Wales ««HBF Financial Services - Comprehensive Either m Just Car Insurance - Comprehensive Agreed m NRMA Insurance - Comprehensive NSW/ACT/TAS Either m «1st for Women - Comprehensive Either m Bendigo Bank - Comprehensive Either m CGU - Comprehensive Either m Commonwealth Bank - Comprehensive Either m NRMA Insurance - Comprehensive PLUS NSW/ACT/TAS Agreed m St.George Bank - Comprehensive Either m 1300 Insurance - Standard Comprehensive Either m 1300 Insurance - Gold Comprehensive Either m 1COVER DIRECT INSURANCE - Comprehensive Either m AAMI - Comprehensive Agreed m Allianz Australia - SureCover Plus Either m ANZ - Comprehensive Either m AON - Comprehensive Either m AUSTRALIA POST - Comprehensive Either m Australian Unity Insurance - Comprehensive Either m Budget Direct - Gold Comprehensive Either m Budget Direct - Standard Comprehensive Either m cashback - Accelerator Comprehensive Either m Coles Insurance - Comprehensive Either y GE Money - Comprehensive Either m GIO - Comprehensive Agreed m Hume Building Society - Comprehensive Either y ibuyeco - Comprehensive Car Either m Car Insurance Star Ratings page 11

15 Young Female Driver <25 - New South Wales K-Mart Tyre & Auto Service - Comprehensive Either m Myer Insurance - Comprehensive Either m nab - Comprehensive Either m OnePath - Comprehensive Either m Ozicare - Standard Comprehensive Either m People's Choice Credit Union - Comprehensive Either m QBE - Comprehensive Either m Real Insurance - Comprehensive Agreed m Suncorp Bank - Comprehensive Agreed m Virgin Money - Comprehensive Either m Westpac - Comprehensive Either y Woolworths Limited - Comprehensive Agreed m Car Insurance Star Ratings page 12

16 Young Male Driver <25 - New South Wales ««Just Car Insurance - Comprehensive Agreed m NRMA Insurance - Comprehensive PLUS NSW/ACT/TAS Agreed m NRMA Insurance - Comprehensive NSW/ACT/TAS Either m «AUSTRALIA POST - Comprehensive Either m Budget Direct - Standard Comprehensive Either m Budget Direct - Gold Comprehensive Either m GE Money - Comprehensive Either m HBF Financial Services - Comprehensive Either m Ozicare - Standard Comprehensive Either m Virgin Money - Comprehensive Either m 1300 Insurance - Standard Comprehensive Either m 1300 Insurance - Gold Comprehensive Either m 1COVER DIRECT INSURANCE - Comprehensive Either m AAMI - Comprehensive Agreed m Allianz Australia - SureCover Plus Either m ANZ - Comprehensive Either m AON - Comprehensive Either m Australian Unity Insurance - Comprehensive Either m Bendigo Bank - Comprehensive Either m cashback - Accelerator Comprehensive Either m CGU - Comprehensive Either m Coles Insurance - Comprehensive Either y Commonwealth Bank - Comprehensive Either m GIO - Comprehensive Agreed m Hume Building Society - Comprehensive Either y ibuyeco - Comprehensive Car Either m Car Insurance Star Ratings page 13

17 Young Male Driver <25 - New South Wales K-Mart Tyre & Auto Service - Comprehensive Either m Myer Insurance - Comprehensive Either m nab - Comprehensive Either m OnePath - Comprehensive Either m People's Choice Credit Union - Comprehensive Either m QBE - Comprehensive Either m Real Insurance - Comprehensive Agreed m St.George Bank - Comprehensive Either m Suncorp Bank - Comprehensive Agreed m Westpac - Comprehensive Either y Woolworths Limited - Comprehensive Agreed m Car Insurance Star Ratings page 14

18 Drivers Queensland ««Allianz Australia - SureCover Plus Either m GE Money - Comprehensive Either m NRMA Insurance - Comprehensive QLD Either m «1300 Insurance - Standard Comprehensive Either m 1300 Insurance - Gold Comprehensive Either m AUSTRALIA POST - Comprehensive Either m Budget Direct - Standard Comprehensive Either m Ozicare - Standard Comprehensive Either m Virgin Money - Comprehensive Either m 1COVER DIRECT INSURANCE - Comprehensive Either m AAMI - Comprehensive Agreed m ANZ - Comprehensive Either m AON - Comprehensive Either m Australian Unity Insurance - Comprehensive Either m Bendigo Bank - Comprehensive Either m Budget Direct - Gold Comprehensive Either m cashback - Accelerator Comprehensive Either m CGU - Comprehensive Either m Coles Insurance - Comprehensive Either y Commonwealth Bank - Comprehensive Either m HBF Financial Services - Comprehensive Either m Hume Building Society - Comprehensive Either y ibuyeco - Comprehensive Car Either m Just Car Insurance - Comprehensive Agreed m K-Mart Tyre & Auto Service - Comprehensive Either m Myer Insurance - Comprehensive Either m Car Insurance Star Ratings page 15

19 Drivers Queensland nab - Comprehensive Either m NRMA Insurance - Comprehensive PLUS QLD Agreed m OnePath - Comprehensive Either m People's Choice Credit Union - Comprehensive Either m QBE - Comprehensive Either m RACQ - Comprehensive Either m Real Insurance - Comprehensive Agreed m St.George Bank - Comprehensive Either m Suncorp Bank - Comprehensive Agreed m Westpac - Comprehensive Either y Woolworths Limited - Comprehensive Agreed m Car Insurance Star Ratings page 16

20 Family with Young Drivers - Queensland ««1300 Insurance - Standard Comprehensive Either m AAMI - Comprehensive Agreed m GE Money - Comprehensive Either m QBE - Comprehensive Either m «1300 Insurance - Gold Comprehensive Either m AUSTRALIA POST - Comprehensive Either m Budget Direct - Standard Comprehensive Either m Budget Direct - Gold Comprehensive Either m Ozicare - Standard Comprehensive Either m Virgin Money - Comprehensive Either m 1COVER DIRECT INSURANCE - Comprehensive Either m Allianz Australia - SureCover Plus Either m ANZ - Comprehensive Either m AON - Comprehensive Either m Australian Unity Insurance - Comprehensive Either m Bendigo Bank - Comprehensive Either m cashback - Accelerator Comprehensive Either m CGU - Comprehensive Either m Coles Insurance - Comprehensive Either y Commonwealth Bank - Comprehensive Either m HBF Financial Services - Comprehensive Either m Hume Building Society - Comprehensive Either y ibuyeco - Comprehensive Car Either m Just Car Insurance - Comprehensive Agreed m K-Mart Tyre & Auto Service - Comprehensive Either m Myer Insurance - Comprehensive Either m Car Insurance Star Ratings page 17

21 Family with Young Drivers - Queensland nab - Comprehensive Either m NRMA Insurance - Comprehensive PLUS QLD Agreed m NRMA Insurance - Comprehensive QLD Either m OnePath - Comprehensive Either m People's Choice Credit Union - Comprehensive Either m RACQ - Comprehensive Either m Real Insurance - Comprehensive Agreed m St.George Bank - Comprehensive Either m Suncorp Bank - Comprehensive Agreed m Westpac - Comprehensive Either y Woolworths Limited - Comprehensive Agreed m Car Insurance Star Ratings page 18

22 Mature Drivers >60 - Queensland ««NRMA Insurance - Comprehensive QLD Either m QBE - Comprehensive Either m Real Insurance - Comprehensive Agreed m «1300 Insurance - Standard Comprehensive Either m 1300 Insurance - Gold Comprehensive Either m Budget Direct - Standard Comprehensive Either m Commonwealth Bank - Comprehensive Either m GE Money - Comprehensive Either m Woolworths Limited - Comprehensive Agreed m 1COVER DIRECT INSURANCE - Comprehensive Either m AAMI - Comprehensive Agreed m Allianz Australia - SureCover Plus Either m ANZ - Comprehensive Either m AON - Comprehensive Either m APIA - Comprehensive Either m AUSTRALIA POST - Comprehensive Either m Australian Unity Insurance - Comprehensive Either m Bendigo Bank - Comprehensive Either m Budget Direct - Gold Comprehensive Either m cashback - Accelerator Comprehensive Either m CGU - Comprehensive Either m Coles Insurance - Comprehensive Either y HBF Financial Services - Comprehensive Either m Hume Building Society - Comprehensive Either y ibuyeco - Comprehensive Car Either m Just Car Insurance - Comprehensive Agreed m Car Insurance Star Ratings page 19

23 Mature Drivers >60 - Queensland K-Mart Tyre & Auto Service - Comprehensive Either m Myer Insurance - Comprehensive Either m nab - Comprehensive Either m NRMA Insurance - Comprehensive PLUS QLD Agreed m OnePath - Comprehensive Either m Ozicare - Standard Comprehensive Either m People's Choice Credit Union - Comprehensive Either m RACQ - Comprehensive Either m St.George Bank - Comprehensive Either m Suncorp Bank - Comprehensive Agreed m Virgin Money - Comprehensive Either m Westpac - Comprehensive Either y Car Insurance Star Ratings page 20

24 Female Driver Queensland ««1st for Women - Comprehensive Either m GE Money - Comprehensive Either m NRMA Insurance - Comprehensive QLD Either m «AUSTRALIA POST - Comprehensive Either m Budget Direct - Gold Comprehensive Either m Budget Direct - Standard Comprehensive Either m Commonwealth Bank - Comprehensive Either m Ozicare - Standard Comprehensive Either m Virgin Money - Comprehensive Either m 1300 Insurance - Gold Comprehensive Either m 1300 Insurance - Standard Comprehensive Either m 1COVER DIRECT INSURANCE - Comprehensive Either m AAMI - Comprehensive Agreed m Allianz Australia - SureCover Plus Either m ANZ - Comprehensive Either m AON - Comprehensive Either m Australian Unity Insurance - Comprehensive Either m Bendigo Bank - Comprehensive Either m cashback - Accelerator Comprehensive Either m CGU - Comprehensive Either m Coles Insurance - Comprehensive Either y HBF Financial Services - Comprehensive Either m Hume Building Society - Comprehensive Either y ibuyeco - Comprehensive Car Either m Just Car Insurance - Comprehensive Agreed m K-Mart Tyre & Auto Service - Comprehensive Either m Car Insurance Star Ratings page 21

25 Female Driver Queensland Myer Insurance - Comprehensive Either m nab - Comprehensive Either m NRMA Insurance - Comprehensive PLUS QLD Agreed m OnePath - Comprehensive Either m People's Choice Credit Union - Comprehensive Either m QBE - Comprehensive Either m RACQ - Comprehensive Either m Real Insurance - Comprehensive Agreed m St.George Bank - Comprehensive Either m Suncorp Bank - Comprehensive Agreed m Westpac - Comprehensive Either y Woolworths Limited - Comprehensive Agreed m Car Insurance Star Ratings page 22

26 Male Driver Queensland ««GE Money - Comprehensive Either m NRMA Insurance - Comprehensive QLD Either m Ozicare - Standard Comprehensive Either m Virgin Money - Comprehensive Either m «1300 Insurance - Standard Comprehensive Either m 1300 Insurance - Gold Comprehensive Either m AUSTRALIA POST - Comprehensive Either m Budget Direct - Gold Comprehensive Either m Budget Direct - Standard Comprehensive Either m ibuyeco - Comprehensive Car Either m 1COVER DIRECT INSURANCE - Comprehensive Either m AAMI - Comprehensive Agreed m Allianz Australia - SureCover Plus Either m ANZ - Comprehensive Either m AON - Comprehensive Either m Australian Unity Insurance - Comprehensive Either m Bendigo Bank - Comprehensive Either m cashback - Accelerator Comprehensive Either m CGU - Comprehensive Either m Coles Insurance - Comprehensive Either y Commonwealth Bank - Comprehensive Either m HBF Financial Services - Comprehensive Either m Hume Building Society - Comprehensive Either y Just Car Insurance - Comprehensive Agreed m K-Mart Tyre & Auto Service - Comprehensive Either m Myer Insurance - Comprehensive Either m Car Insurance Star Ratings page 23

27 Male Driver Queensland nab - Comprehensive Either m NRMA Insurance - Comprehensive PLUS QLD Agreed m OnePath - Comprehensive Either m People's Choice Credit Union - Comprehensive Either m QBE - Comprehensive Either m RACQ - Comprehensive Either m Real Insurance - Comprehensive Agreed m St.George Bank - Comprehensive Either m Suncorp Bank - Comprehensive Agreed m Westpac - Comprehensive Either y Woolworths Limited - Comprehensive Agreed m Car Insurance Star Ratings page 24

28 Young Female Driver <25 - Queensland ««Just Car Insurance - Comprehensive Agreed m NRMA Insurance - Comprehensive QLD Either m RACQ - Comprehensive Either m «Allianz Australia - SureCover Plus Either m Bendigo Bank - Comprehensive Either m HBF Financial Services - Comprehensive Either m NRMA Insurance - Comprehensive PLUS QLD Agreed m People's Choice Credit Union - Comprehensive Either m St.George Bank - Comprehensive Either m 1300 Insurance - Gold Comprehensive Either m 1300 Insurance - Standard Comprehensive Either m 1COVER DIRECT INSURANCE - Comprehensive Either m 1st for Women - Comprehensive Either m AAMI - Comprehensive Agreed m ANZ - Comprehensive Either m AON - Comprehensive Either m AUSTRALIA POST - Comprehensive Either m Australian Unity Insurance - Comprehensive Either m Budget Direct - Standard Comprehensive Either m Budget Direct - Gold Comprehensive Either m cashback - Accelerator Comprehensive Either m CGU - Comprehensive Either m Coles Insurance - Comprehensive Either y Commonwealth Bank - Comprehensive Either m GE Money - Comprehensive Either m Hume Building Society - Comprehensive Either y Car Insurance Star Ratings page 25

29 Young Female Driver <25 - Queensland ibuyeco - Comprehensive Car Either m K-Mart Tyre & Auto Service - Comprehensive Either m Myer Insurance - Comprehensive Either m nab - Comprehensive Either m OnePath - Comprehensive Either m Ozicare - Standard Comprehensive Either m QBE - Comprehensive Either m Real Insurance - Comprehensive Agreed m Suncorp Bank - Comprehensive Agreed m Virgin Money - Comprehensive Either m Westpac - Comprehensive Either y Woolworths Limited - Comprehensive Agreed m Car Insurance Star Ratings page 26

30 Young Male Driver <25 - Queensland ««Just Car Insurance - Comprehensive Agreed m NRMA Insurance - Comprehensive QLD Either m RACQ - Comprehensive Either m «AAMI - Comprehensive Agreed m Allianz Australia - SureCover Plus Either m Bendigo Bank - Comprehensive Either m CGU - Comprehensive Either m HBF Financial Services - Comprehensive Either m People's Choice Credit Union - Comprehensive Either m St.George Bank - Comprehensive Either m 1300 Insurance - Standard Comprehensive Either m 1300 Insurance - Gold Comprehensive Either m 1COVER DIRECT INSURANCE - Comprehensive Either m ANZ - Comprehensive Either m AON - Comprehensive Either m AUSTRALIA POST - Comprehensive Either m Australian Unity Insurance - Comprehensive Either m Budget Direct - Gold Comprehensive Either m Budget Direct - Standard Comprehensive Either m cashback - Accelerator Comprehensive Either m Coles Insurance - Comprehensive Either y Commonwealth Bank - Comprehensive Either m GE Money - Comprehensive Either m Hume Building Society - Comprehensive Either y ibuyeco - Comprehensive Car Either m K-Mart Tyre & Auto Service - Comprehensive Either m Car Insurance Star Ratings page 27

31 Young Male Driver <25 - Queensland Myer Insurance - Comprehensive Either m nab - Comprehensive Either m NRMA Insurance - Comprehensive PLUS QLD Agreed m OnePath - Comprehensive Either m Ozicare - Standard Comprehensive Either m QBE - Comprehensive Either m Real Insurance - Comprehensive Agreed m Suncorp Bank - Comprehensive Agreed m Virgin Money - Comprehensive Either m Westpac - Comprehensive Either y Woolworths Limited - Comprehensive Agreed m Car Insurance Star Ratings page 28

32 Drivers South Australia ««Budget Direct - Standard Comprehensive Either m GE Money - Comprehensive Either m SGIC - Comprehensive Either m «1300 Insurance - Standard Comprehensive Either m 1300 Insurance - Gold Comprehensive Either m Allianz Australia - SureCover Plus Either m AUSTRALIA POST - Comprehensive Either m Budget Direct - Gold Comprehensive Either m Ozicare - Standard Comprehensive Either m Virgin Money - Comprehensive Either m 1COVER DIRECT INSURANCE - Comprehensive Either m AAMI - Comprehensive Agreed m ANZ - Comprehensive Either m AON - Comprehensive Either m Australian Unity Insurance - Comprehensive Either m Bendigo Bank - Comprehensive Either m cashback - Accelerator Comprehensive Either m CGU - Comprehensive Either m Coles Insurance - Comprehensive Either y Commonwealth Bank - Comprehensive Either m HBF Financial Services - Comprehensive Either m Hume Building Society - Comprehensive Either y ibuyeco - Comprehensive Car Either m Just Car Insurance - Comprehensive Agreed m K-Mart Tyre & Auto Service - Comprehensive Either m Myer Insurance - Comprehensive Either m Car Insurance Star Ratings page 29

33 Drivers South Australia nab - Comprehensive Either m OnePath - Comprehensive Either m People's Choice Credit Union - Comprehensive Either m QBE - Comprehensive Either m RAA - Comprehensive Market m Real Insurance - Comprehensive Agreed m SGIC - Comprehensive PLUS Agreed m St.George Bank - Comprehensive Either m Suncorp Bank - Comprehensive Agreed m Westpac - Comprehensive Either y Woolworths Limited - Comprehensive Agreed m Car Insurance Star Ratings page 30

34 Family with Young Drivers - South Australia ««Budget Direct - Standard Comprehensive Either m Ozicare - Standard Comprehensive Either m QBE - Comprehensive Either m «1300 Insurance - Standard Comprehensive Either m AUSTRALIA POST - Comprehensive Either m Budget Direct - Gold Comprehensive Either m GE Money - Comprehensive Either m ibuyeco - Comprehensive Car Either m Virgin Money - Comprehensive Either m 1300 Insurance - Gold Comprehensive Either m 1COVER DIRECT INSURANCE - Comprehensive Either m AAMI - Comprehensive Agreed m Allianz Australia - SureCover Plus Either m ANZ - Comprehensive Either m AON - Comprehensive Either m Australian Unity Insurance - Comprehensive Either m Bendigo Bank - Comprehensive Either m cashback - Accelerator Comprehensive Either m CGU - Comprehensive Either m Coles Insurance - Comprehensive Either y Commonwealth Bank - Comprehensive Either m HBF Financial Services - Comprehensive Either m Hume Building Society - Comprehensive Either y Just Car Insurance - Comprehensive Agreed m K-Mart Tyre & Auto Service - Comprehensive Either m Myer Insurance - Comprehensive Either m Car Insurance Star Ratings page 31

35 Family with Young Drivers - South Australia nab - Comprehensive Either m OnePath - Comprehensive Either m People's Choice Credit Union - Comprehensive Either m RAA - Comprehensive Market m Real Insurance - Comprehensive Agreed m SGIC - Comprehensive PLUS Agreed m SGIC - Comprehensive Either m St.George Bank - Comprehensive Either m Suncorp Bank - Comprehensive Agreed m Westpac - Comprehensive Either y Woolworths Limited - Comprehensive Agreed m Car Insurance Star Ratings page 32

36 Mature Drivers >60 - South Australia ««Budget Direct - Standard Comprehensive Either m QBE - Comprehensive Either m SGIC - Comprehensive Either m «1300 Insurance - Gold Comprehensive Either m 1300 Insurance - Standard Comprehensive Either m Allianz Australia - SureCover Plus Either m Commonwealth Bank - Comprehensive Either m GE Money - Comprehensive Either m Ozicare - Standard Comprehensive Either m 1COVER DIRECT INSURANCE - Comprehensive Either m AAMI - Comprehensive Agreed m ANZ - Comprehensive Either m AON - Comprehensive Either m APIA - Comprehensive Either m AUSTRALIA POST - Comprehensive Either m Australian Unity Insurance - Comprehensive Either m Bendigo Bank - Comprehensive Either m Budget Direct - Gold Comprehensive Either m cashback - Accelerator Comprehensive Either m CGU - Comprehensive Either m Coles Insurance - Comprehensive Either y HBF Financial Services - Comprehensive Either m Hume Building Society - Comprehensive Either y ibuyeco - Comprehensive Car Either m Just Car Insurance - Comprehensive Agreed m K-Mart Tyre & Auto Service - Comprehensive Either m Car Insurance Star Ratings page 33

37 Mature Drivers >60 - South Australia Myer Insurance - Comprehensive Either m nab - Comprehensive Either m OnePath - Comprehensive Either m People's Choice Credit Union - Comprehensive Either m RAA - Comprehensive Market m Real Insurance - Comprehensive Agreed m SGIC - Comprehensive PLUS Agreed m St.George Bank - Comprehensive Either m Suncorp Bank - Comprehensive Agreed m Virgin Money - Comprehensive Either m Westpac - Comprehensive Either y Woolworths Limited - Comprehensive Agreed m Car Insurance Star Ratings page 34

38 Female Driver South Australia ««1st for Women - Comprehensive Either m Ozicare - Standard Comprehensive Either m SGIC - Comprehensive Either m Virgin Money - Comprehensive Either m «1300 Insurance - Standard Comprehensive Either m AUSTRALIA POST - Comprehensive Either m Budget Direct - Standard Comprehensive Either m Budget Direct - Gold Comprehensive Either m Commonwealth Bank - Comprehensive Either m GE Money - Comprehensive Either m 1300 Insurance - Gold Comprehensive Either m 1COVER DIRECT INSURANCE - Comprehensive Either m AAMI - Comprehensive Agreed m Allianz Australia - SureCover Plus Either m ANZ - Comprehensive Either m AON - Comprehensive Either m Australian Unity Insurance - Comprehensive Either m Bendigo Bank - Comprehensive Either m cashback - Accelerator Comprehensive Either m CGU - Comprehensive Either m Coles Insurance - Comprehensive Either y HBF Financial Services - Comprehensive Either m Hume Building Society - Comprehensive Either y ibuyeco - Comprehensive Car Either m Just Car Insurance - Comprehensive Agreed m K-Mart Tyre & Auto Service - Comprehensive Either m Car Insurance Star Ratings page 35

39 Female Driver South Australia Myer Insurance - Comprehensive Either m nab - Comprehensive Either m OnePath - Comprehensive Either m People's Choice Credit Union - Comprehensive Either m QBE - Comprehensive Either m RAA - Comprehensive Market m Real Insurance - Comprehensive Agreed m SGIC - Comprehensive PLUS Agreed m St.George Bank - Comprehensive Either m Suncorp Bank - Comprehensive Agreed m Westpac - Comprehensive Either y Woolworths Limited - Comprehensive Agreed m Car Insurance Star Ratings page 36

40 Male Driver South Australia ««Ozicare - Standard Comprehensive Either m SGIC - Comprehensive Either m Virgin Money - Comprehensive Either m «1300 Insurance - Standard Comprehensive Either m 1300 Insurance - Gold Comprehensive Either m AUSTRALIA POST - Comprehensive Either m Budget Direct - Gold Comprehensive Either m Budget Direct - Standard Comprehensive Either m GE Money - Comprehensive Either m ibuyeco - Comprehensive Car Either m 1COVER DIRECT INSURANCE - Comprehensive Either m AAMI - Comprehensive Agreed m Allianz Australia - SureCover Plus Either m ANZ - Comprehensive Either m AON - Comprehensive Either m Australian Unity Insurance - Comprehensive Either m Bendigo Bank - Comprehensive Either m cashback - Accelerator Comprehensive Either m CGU - Comprehensive Either m Coles Insurance - Comprehensive Either y Commonwealth Bank - Comprehensive Either m HBF Financial Services - Comprehensive Either m Hume Building Society - Comprehensive Either y Just Car Insurance - Comprehensive Agreed m K-Mart Tyre & Auto Service - Comprehensive Either m Myer Insurance - Comprehensive Either m Car Insurance Star Ratings page 37

41 Male Driver South Australia nab - Comprehensive Either m OnePath - Comprehensive Either m People's Choice Credit Union - Comprehensive Either m QBE - Comprehensive Either m RAA - Comprehensive Market m Real Insurance - Comprehensive Agreed m SGIC - Comprehensive PLUS Agreed m St.George Bank - Comprehensive Either m Suncorp Bank - Comprehensive Agreed m Westpac - Comprehensive Either y Woolworths Limited - Comprehensive Agreed m Car Insurance Star Ratings page 38

42 Young Female Driver <25 - South Australia ««1COVER DIRECT INSURANCE - Comprehensive Either m Just Car Insurance - Comprehensive Agreed m SGIC - Comprehensive Either m «AAMI - Comprehensive Agreed m Allianz Australia - SureCover Plus Either m Bendigo Bank - Comprehensive Either m HBF Financial Services - Comprehensive Either m Hume Building Society - Comprehensive Either y nab - Comprehensive Either m People's Choice Credit Union - Comprehensive Either m 1300 Insurance - Gold Comprehensive Either m 1300 Insurance - Standard Comprehensive Either m 1st for Women - Comprehensive Either m ANZ - Comprehensive Either m AON - Comprehensive Either m AUSTRALIA POST - Comprehensive Either m Australian Unity Insurance - Comprehensive Either m Budget Direct - Gold Comprehensive Either m Budget Direct - Standard Comprehensive Either m cashback - Accelerator Comprehensive Either m CGU - Comprehensive Either m Coles Insurance - Comprehensive Either y Commonwealth Bank - Comprehensive Either m GE Money - Comprehensive Either m ibuyeco - Comprehensive Car Either m K-Mart Tyre & Auto Service - Comprehensive Either m Car Insurance Star Ratings page 39

43 Young Female Driver <25 - South Australia Myer Insurance - Comprehensive Either m OnePath - Comprehensive Either m Ozicare - Standard Comprehensive Either m QBE - Comprehensive Either m RAA - Comprehensive Market m Real Insurance - Comprehensive Agreed m SGIC - Comprehensive PLUS Agreed m St.George Bank - Comprehensive Either m Suncorp Bank - Comprehensive Agreed m Virgin Money - Comprehensive Either m Westpac - Comprehensive Either y Woolworths Limited - Comprehensive Agreed m Car Insurance Star Ratings page 40

44 Young Male Driver <25 - South Australia ««1COVER DIRECT INSURANCE - Comprehensive Either m Allianz Australia - SureCover Plus Either m Just Car Insurance - Comprehensive Agreed m nab - Comprehensive Either m «AAMI - Comprehensive Agreed m Bendigo Bank - Comprehensive Either m Hume Building Society - Comprehensive Either y People's Choice Credit Union - Comprehensive Either m SGIC - Comprehensive Either m 1300 Insurance - Gold Comprehensive Either m 1300 Insurance - Standard Comprehensive Either m ANZ - Comprehensive Either m AON - Comprehensive Either m AUSTRALIA POST - Comprehensive Either m Australian Unity Insurance - Comprehensive Either m Budget Direct - Standard Comprehensive Either m Budget Direct - Gold Comprehensive Either m cashback - Accelerator Comprehensive Either m CGU - Comprehensive Either m Coles Insurance - Comprehensive Either y Commonwealth Bank - Comprehensive Either m GE Money - Comprehensive Either m HBF Financial Services - Comprehensive Either m ibuyeco - Comprehensive Car Either m K-Mart Tyre & Auto Service - Comprehensive Either m Myer Insurance - Comprehensive Either m Car Insurance Star Ratings page 41

45 Young Male Driver <25 - South Australia OnePath - Comprehensive Either m Ozicare - Standard Comprehensive Either m QBE - Comprehensive Either m RAA - Comprehensive Market m Real Insurance - Comprehensive Agreed m SGIC - Comprehensive PLUS Agreed m St.George Bank - Comprehensive Either m Suncorp Bank - Comprehensive Agreed m Virgin Money - Comprehensive Either m Westpac - Comprehensive Either y Woolworths Limited - Comprehensive Agreed m Car Insurance Star Ratings page 42

46 Drivers Tasmania ««1300 Insurance - Standard Comprehensive Either m Budget Direct - Standard Comprehensive Either m GE Money - Comprehensive Either m NRMA Insurance - Comprehensive NSW/ACT/TAS Either m «AUSTRALIA POST - Comprehensive Either m Budget Direct - Gold Comprehensive Either m Ozicare - Standard Comprehensive Either m Suncorp Bank - Comprehensive Agreed m Virgin Money - Comprehensive Either m 1300 Insurance - Gold Comprehensive Either m 1COVER DIRECT INSURANCE - Comprehensive Either m AAMI - Comprehensive Agreed m Allianz Australia - SureCover Plus Either m ANZ - Comprehensive Either m AON - Comprehensive Either m Australian Unity Insurance - Comprehensive Either m Bendigo Bank - Comprehensive Either m cashback - Accelerator Comprehensive Either m CGU - Comprehensive Either m Coles Insurance - Comprehensive Either y Commonwealth Bank - Comprehensive Either m HBF Financial Services - Comprehensive Either m Hume Building Society - Comprehensive Either y ibuyeco - Comprehensive Car Either m Just Car Insurance - Comprehensive Agreed m K-Mart Tyre & Auto Service - Comprehensive Either m Car Insurance Star Ratings page 43

47 Drivers Tasmania Myer Insurance - Comprehensive Either m nab - Comprehensive Either m NRMA Insurance - Comprehensive PLUS NSW/ACT/TAS Agreed m OnePath - Comprehensive Either m People's Choice Credit Union - Comprehensive Either m QBE - Comprehensive Either m Real Insurance - Comprehensive Agreed m St.George Bank - Comprehensive Either m Westpac - Comprehensive Either y Woolworths Limited - Comprehensive Agreed m Car Insurance Star Ratings page 44

48 Family with Young Drivers - Tasmania ««Budget Direct - Standard Comprehensive Either m GE Money - Comprehensive Either m QBE - Comprehensive Either m «1300 Insurance - Standard Comprehensive Either m AAMI - Comprehensive Agreed m AUSTRALIA POST - Comprehensive Either m Budget Direct - Gold Comprehensive Either m Ozicare - Standard Comprehensive Either m Virgin Money - Comprehensive Either m 1300 Insurance - Gold Comprehensive Either m 1COVER DIRECT INSURANCE - Comprehensive Either m Allianz Australia - SureCover Plus Either m ANZ - Comprehensive Either m AON - Comprehensive Either m Australian Unity Insurance - Comprehensive Either m Bendigo Bank - Comprehensive Either m cashback - Accelerator Comprehensive Either m CGU - Comprehensive Either m Coles Insurance - Comprehensive Either y Commonwealth Bank - Comprehensive Either m HBF Financial Services - Comprehensive Either m Hume Building Society - Comprehensive Either y ibuyeco - Comprehensive Car Either m Just Car Insurance - Comprehensive Agreed m K-Mart Tyre & Auto Service - Comprehensive Either m Myer Insurance - Comprehensive Either m Car Insurance Star Ratings page 45

49 Family with Young Drivers - Tasmania nab - Comprehensive Either m NRMA Insurance - Comprehensive PLUS NSW/ACT/TAS Agreed m NRMA Insurance - Comprehensive NSW/ACT/TAS Either m OnePath - Comprehensive Either m People's Choice Credit Union - Comprehensive Either m Real Insurance - Comprehensive Agreed m St.George Bank - Comprehensive Either m Suncorp Bank - Comprehensive Agreed m Westpac - Comprehensive Either y Woolworths Limited - Comprehensive Agreed m Car Insurance Star Ratings page 46

50 Mature Drivers >60 - Tasmania ««1300 Insurance - Standard Comprehensive Either m Budget Direct - Standard Comprehensive Either m GE Money - Comprehensive Either m QBE - Comprehensive Either m «AAMI - Comprehensive Agreed m APIA - Comprehensive Either m AUSTRALIA POST - Comprehensive Either m Budget Direct - Gold Comprehensive Either m Ozicare - Standard Comprehensive Either m Virgin Money - Comprehensive Either m 1300 Insurance - Gold Comprehensive Either m 1COVER DIRECT INSURANCE - Comprehensive Either m Allianz Australia - SureCover Plus Either m ANZ - Comprehensive Either m AON - Comprehensive Either m Australian Unity Insurance - Comprehensive Either m Bendigo Bank - Comprehensive Either m cashback - Accelerator Comprehensive Either m CGU - Comprehensive Either m Coles Insurance - Comprehensive Either y Commonwealth Bank - Comprehensive Either m HBF Financial Services - Comprehensive Either m Hume Building Society - Comprehensive Either y ibuyeco - Comprehensive Car Either m Just Car Insurance - Comprehensive Agreed m K-Mart Tyre & Auto Service - Comprehensive Either m Car Insurance Star Ratings page 47

51 Mature Drivers >60 - Tasmania Myer Insurance - Comprehensive Either m nab - Comprehensive Either m NRMA Insurance - Comprehensive NSW/ACT/TAS Either m NRMA Insurance - Comprehensive PLUS NSW/ACT/TAS Agreed m OnePath - Comprehensive Either m People's Choice Credit Union - Comprehensive Either m Real Insurance - Comprehensive Agreed m St.George Bank - Comprehensive Either m Suncorp Bank - Comprehensive Agreed m Westpac - Comprehensive Either y Woolworths Limited - Comprehensive Agreed m Car Insurance Star Ratings page 48

52 Female Driver Tasmania ««1300 Insurance - Standard Comprehensive Either m 1st for Women - Comprehensive Either m Budget Direct - Standard Comprehensive Either m NRMA Insurance - Comprehensive NSW/ACT/TAS Either m «AAMI - Comprehensive Agreed m AUSTRALIA POST - Comprehensive Either m GE Money - Comprehensive Either m Ozicare - Standard Comprehensive Either m Suncorp Bank - Comprehensive Agreed m Virgin Money - Comprehensive Either m 1300 Insurance - Gold Comprehensive Either m 1COVER DIRECT INSURANCE - Comprehensive Either m Allianz Australia - SureCover Plus Either m ANZ - Comprehensive Either m AON - Comprehensive Either m Australian Unity Insurance - Comprehensive Either m Bendigo Bank - Comprehensive Either m Budget Direct - Gold Comprehensive Either m cashback - Accelerator Comprehensive Either m CGU - Comprehensive Either m Coles Insurance - Comprehensive Either y Commonwealth Bank - Comprehensive Either m HBF Financial Services - Comprehensive Either m Hume Building Society - Comprehensive Either y ibuyeco - Comprehensive Car Either m Just Car Insurance - Comprehensive Agreed m Car Insurance Star Ratings page 49

53 Female Driver Tasmania K-Mart Tyre & Auto Service - Comprehensive Either m Myer Insurance - Comprehensive Either m nab - Comprehensive Either m NRMA Insurance - Comprehensive PLUS NSW/ACT/TAS Agreed m OnePath - Comprehensive Either m People's Choice Credit Union - Comprehensive Either m QBE - Comprehensive Either m Real Insurance - Comprehensive Agreed m St.George Bank - Comprehensive Either m Westpac - Comprehensive Either y Woolworths Limited - Comprehensive Agreed m Car Insurance Star Ratings page 50

54 Male Driver Tasmania ««1300 Insurance - Standard Comprehensive Either m Budget Direct - Standard Comprehensive Either m GE Money - Comprehensive Either m «AUSTRALIA POST - Comprehensive Either m Budget Direct - Gold Comprehensive Either m NRMA Insurance - Comprehensive NSW/ACT/TAS Either m Ozicare - Standard Comprehensive Either m Suncorp Bank - Comprehensive Agreed m Virgin Money - Comprehensive Either m 1300 Insurance - Gold Comprehensive Either m 1COVER DIRECT INSURANCE - Comprehensive Either m AAMI - Comprehensive Agreed m Allianz Australia - SureCover Plus Either m ANZ - Comprehensive Either m AON - Comprehensive Either m Australian Unity Insurance - Comprehensive Either m Bendigo Bank - Comprehensive Either m cashback - Accelerator Comprehensive Either m CGU - Comprehensive Either m Coles Insurance - Comprehensive Either y Commonwealth Bank - Comprehensive Either m HBF Financial Services - Comprehensive Either m Hume Building Society - Comprehensive Either y ibuyeco - Comprehensive Car Either m Just Car Insurance - Comprehensive Agreed m K-Mart Tyre & Auto Service - Comprehensive Either m Car Insurance Star Ratings page 51

55 Male Driver Tasmania Myer Insurance - Comprehensive Either m nab - Comprehensive Either m NRMA Insurance - Comprehensive PLUS NSW/ACT/TAS Agreed m OnePath - Comprehensive Either m People's Choice Credit Union - Comprehensive Either m QBE - Comprehensive Either m Real Insurance - Comprehensive Agreed m St.George Bank - Comprehensive Either m Westpac - Comprehensive Either y Woolworths Limited - Comprehensive Agreed m Car Insurance Star Ratings page 52

56 Young Female Driver <25 - Tasmania ««AAMI - Comprehensive Agreed m Coles Insurance - Comprehensive Either y HBF Financial Services - Comprehensive Either m NRMA Insurance - Comprehensive NSW/ACT/TAS Either m «Bendigo Bank - Comprehensive Either m CGU - Comprehensive Either m Just Car Insurance - Comprehensive Agreed m People's Choice Credit Union - Comprehensive Either m St.George Bank - Comprehensive Either m 1300 Insurance - Standard Comprehensive Either m 1300 Insurance - Gold Comprehensive Either m 1COVER DIRECT INSURANCE - Comprehensive Either m 1st for Women - Comprehensive Either m Allianz Australia - SureCover Plus Either m ANZ - Comprehensive Either m AON - Comprehensive Either m AUSTRALIA POST - Comprehensive Either m Australian Unity Insurance - Comprehensive Either m Budget Direct - Gold Comprehensive Either m Budget Direct - Standard Comprehensive Either m cashback - Accelerator Comprehensive Either m Commonwealth Bank - Comprehensive Either m GE Money - Comprehensive Either m Hume Building Society - Comprehensive Either y ibuyeco - Comprehensive Car Either m K-Mart Tyre & Auto Service - Comprehensive Either m Car Insurance Star Ratings page 53

57 Young Female Driver <25 - Tasmania Myer Insurance - Comprehensive Either m nab - Comprehensive Either m NRMA Insurance - Comprehensive PLUS NSW/ACT/TAS Agreed m OnePath - Comprehensive Either m Ozicare - Standard Comprehensive Either m QBE - Comprehensive Either m Real Insurance - Comprehensive Agreed m Suncorp Bank - Comprehensive Agreed m Virgin Money - Comprehensive Either m Westpac - Comprehensive Either y Woolworths Limited - Comprehensive Agreed m Car Insurance Star Ratings page 54

58 Young Male Driver <25 - Tasmania ««AAMI - Comprehensive Agreed m HBF Financial Services - Comprehensive Either m Just Car Insurance - Comprehensive Agreed m NRMA Insurance - Comprehensive NSW/ACT/TAS Either m «Allianz Australia - SureCover Plus Either m Bendigo Bank - Comprehensive Either m CGU - Comprehensive Either m Hume Building Society - Comprehensive Either y People's Choice Credit Union - Comprehensive Either m St.George Bank - Comprehensive Either m 1300 Insurance - Gold Comprehensive Either m 1300 Insurance - Standard Comprehensive Either m 1COVER DIRECT INSURANCE - Comprehensive Either m ANZ - Comprehensive Either m AON - Comprehensive Either m AUSTRALIA POST - Comprehensive Either m Australian Unity Insurance - Comprehensive Either m Budget Direct - Standard Comprehensive Either m Budget Direct - Gold Comprehensive Either m cashback - Accelerator Comprehensive Either m Coles Insurance - Comprehensive Either y Commonwealth Bank - Comprehensive Either m GE Money - Comprehensive Either m ibuyeco - Comprehensive Car Either m K-Mart Tyre & Auto Service - Comprehensive Either m Myer Insurance - Comprehensive Either m Car Insurance Star Ratings page 55

59 Young Male Driver <25 - Tasmania nab - Comprehensive Either m NRMA Insurance - Comprehensive PLUS NSW/ACT/TAS Agreed m OnePath - Comprehensive Either m Ozicare - Standard Comprehensive Either m QBE - Comprehensive Either m Real Insurance - Comprehensive Agreed m Suncorp Bank - Comprehensive Agreed m Virgin Money - Comprehensive Either m Westpac - Comprehensive Either y Woolworths Limited - Comprehensive Agreed m Car Insurance Star Ratings page 56

60 Drivers Victoria ««GE Money - Comprehensive Either m Ozicare - Standard Comprehensive Either m Virgin Money - Comprehensive Either m «1300 Insurance - Gold Comprehensive Either m 1300 Insurance - Standard Comprehensive Either m AUSTRALIA POST - Comprehensive Either m Budget Direct - Gold Comprehensive Either m Budget Direct - Standard Comprehensive Either m Real Insurance - Comprehensive Agreed m 1COVER DIRECT INSURANCE - Comprehensive Either m AAMI - Comprehensive Agreed m Allianz Australia - SureCover Plus Either m ANZ - Comprehensive Either m AON - Comprehensive Either m Australian Unity Insurance - Comprehensive Either m Bendigo Bank - Comprehensive Either m cashback - Accelerator Comprehensive Either m CGU - Comprehensive Either m Coles Insurance - Comprehensive Either y Commonwealth Bank - Comprehensive Either m GIO - Comprehensive Agreed m HBF Financial Services - Comprehensive Either m Hume Building Society - Comprehensive Either y ibuyeco - Comprehensive Car Either m Just Car Insurance - Comprehensive Agreed m K-Mart Tyre & Auto Service - Comprehensive Either m Car Insurance Star Ratings page 57

61 Drivers Victoria Myer Insurance - Comprehensive Either m nab - Comprehensive Either m OnePath - Comprehensive Either m People's Choice Credit Union - Comprehensive Either m QBE - Comprehensive Either m RACV - Comprehensive Either m RACV - Complete Care Agreed m St.George Bank - Comprehensive Either m Suncorp Bank - Comprehensive Agreed m Westpac - Comprehensive Either y Woolworths Limited - Comprehensive Agreed m Car Insurance Star Ratings page 58

62 Family with Young Drivers - Victoria ««Ozicare - Standard Comprehensive Either m QBE - Comprehensive Either m Virgin Money - Comprehensive Either m «1300 Insurance - Standard Comprehensive Either m 1300 Insurance - Gold Comprehensive Either m AAMI - Comprehensive Agreed m AUSTRALIA POST - Comprehensive Either m Budget Direct - Gold Comprehensive Either m GE Money - Comprehensive Either m ibuyeco - Comprehensive Car Either m 1COVER DIRECT INSURANCE - Comprehensive Either m Allianz Australia - SureCover Plus Either m ANZ - Comprehensive Either m AON - Comprehensive Either m Australian Unity Insurance - Comprehensive Either m Bendigo Bank - Comprehensive Either m Budget Direct - Standard Comprehensive Either m cashback - Accelerator Comprehensive Either m CGU - Comprehensive Either m Coles Insurance - Comprehensive Either y Commonwealth Bank - Comprehensive Either m GIO - Comprehensive Agreed m HBF Financial Services - Comprehensive Either m Hume Building Society - Comprehensive Either y Just Car Insurance - Comprehensive Agreed m K-Mart Tyre & Auto Service - Comprehensive Either m Car Insurance Star Ratings page 59

63 Family with Young Drivers - Victoria Myer Insurance - Comprehensive Either m nab - Comprehensive Either m OnePath - Comprehensive Either m People's Choice Credit Union - Comprehensive Either m RACV - Complete Care Agreed m RACV - Comprehensive Either m Real Insurance - Comprehensive Agreed m St.George Bank - Comprehensive Either m Suncorp Bank - Comprehensive Agreed m Westpac - Comprehensive Either y Woolworths Limited - Comprehensive Agreed m Car Insurance Star Ratings page 60

64 Mature Drivers >60 - Victoria ««APIA - Comprehensive Either m QBE - Comprehensive Either m Real Insurance - Comprehensive Agreed m Woolworths Limited - Comprehensive Agreed m «1300 Insurance - Standard Comprehensive Either m AAMI - Comprehensive Agreed m GE Money - Comprehensive Either m Ozicare - Standard Comprehensive Either m Virgin Money - Comprehensive Either m 1300 Insurance - Gold Comprehensive Either m 1COVER DIRECT INSURANCE - Comprehensive Either m Allianz Australia - SureCover Plus Either m ANZ - Comprehensive Either m AON - Comprehensive Either m AUSTRALIA POST - Comprehensive Either m Australian Unity Insurance - Comprehensive Either m Bendigo Bank - Comprehensive Either m Budget Direct - Gold Comprehensive Either m Budget Direct - Standard Comprehensive Either m cashback - Accelerator Comprehensive Either m CGU - Comprehensive Either m Coles Insurance - Comprehensive Either y Commonwealth Bank - Comprehensive Either m GIO - Comprehensive Agreed m HBF Financial Services - Comprehensive Either m Hume Building Society - Comprehensive Either y Car Insurance Star Ratings page 61

65 Mature Drivers >60 - Victoria ibuyeco - Comprehensive Car Either m Just Car Insurance - Comprehensive Agreed m K-Mart Tyre & Auto Service - Comprehensive Either m Myer Insurance - Comprehensive Either m nab - Comprehensive Either m OnePath - Comprehensive Either m People's Choice Credit Union - Comprehensive Either m RACV - Complete Care Agreed m RACV - Comprehensive Either m St.George Bank - Comprehensive Either m Suncorp Bank - Comprehensive Agreed m Westpac - Comprehensive Either y Car Insurance Star Ratings page 62

66 Female Driver Victoria ««1st for Women - Comprehensive Either m AAMI - Comprehensive Agreed m Commonwealth Bank - Comprehensive Either m RACV - Comprehensive Either m «AUSTRALIA POST - Comprehensive Either m Budget Direct - Gold Comprehensive Either m Budget Direct - Standard Comprehensive Either m GE Money - Comprehensive Either m Ozicare - Standard Comprehensive Either m Virgin Money - Comprehensive Either m 1300 Insurance - Standard Comprehensive Either m 1300 Insurance - Gold Comprehensive Either m 1COVER DIRECT INSURANCE - Comprehensive Either m Allianz Australia - SureCover Plus Either m ANZ - Comprehensive Either m AON - Comprehensive Either m Australian Unity Insurance - Comprehensive Either m Bendigo Bank - Comprehensive Either m cashback - Accelerator Comprehensive Either m CGU - Comprehensive Either m Coles Insurance - Comprehensive Either y GIO - Comprehensive Agreed m HBF Financial Services - Comprehensive Either m Hume Building Society - Comprehensive Either y ibuyeco - Comprehensive Car Either m Just Car Insurance - Comprehensive Agreed m Car Insurance Star Ratings page 63

67 Female Driver Victoria K-Mart Tyre & Auto Service - Comprehensive Either m Myer Insurance - Comprehensive Either m nab - Comprehensive Either m OnePath - Comprehensive Either m People's Choice Credit Union - Comprehensive Either m QBE - Comprehensive Either m RACV - Complete Care Agreed m Real Insurance - Comprehensive Agreed m St.George Bank - Comprehensive Either m Suncorp Bank - Comprehensive Agreed m Westpac - Comprehensive Either y Woolworths Limited - Comprehensive Agreed m Car Insurance Star Ratings page 64

68 Male Driver Victoria ««Budget Direct - Standard Comprehensive Either m GE Money - Comprehensive Either m Ozicare - Standard Comprehensive Either m Virgin Money - Comprehensive Either m «1300 Insurance - Gold Comprehensive Either m 1300 Insurance - Standard Comprehensive Either m AAMI - Comprehensive Agreed m AUSTRALIA POST - Comprehensive Either m Budget Direct - Gold Comprehensive Either m cashback - Accelerator Comprehensive Either m ibuyeco - Comprehensive Car Either m RACV - Comprehensive Either m 1COVER DIRECT INSURANCE - Comprehensive Either m Allianz Australia - SureCover Plus Either m ANZ - Comprehensive Either m AON - Comprehensive Either m Australian Unity Insurance - Comprehensive Either m Bendigo Bank - Comprehensive Either m CGU - Comprehensive Either m Coles Insurance - Comprehensive Either y Commonwealth Bank - Comprehensive Either m GIO - Comprehensive Agreed m HBF Financial Services - Comprehensive Either m Hume Building Society - Comprehensive Either y Just Car Insurance - Comprehensive Agreed m K-Mart Tyre & Auto Service - Comprehensive Either m Car Insurance Star Ratings page 65

69 Male Driver Victoria Myer Insurance - Comprehensive Either m nab - Comprehensive Either m OnePath - Comprehensive Either m People's Choice Credit Union - Comprehensive Either m QBE - Comprehensive Either m RACV - Complete Care Agreed m Real Insurance - Comprehensive Agreed m St.George Bank - Comprehensive Either m Suncorp Bank - Comprehensive Agreed m Westpac - Comprehensive Either y Woolworths Limited - Comprehensive Agreed m Car Insurance Star Ratings page 66

70 Young Female Driver <25 - Victoria ««Commonwealth Bank - Comprehensive Either m People's Choice Credit Union - Comprehensive Either m RACV - Comprehensive Either m «AAMI - Comprehensive Agreed m Allianz Australia - SureCover Plus Either m Bendigo Bank - Comprehensive Either m Hume Building Society - Comprehensive Either y Just Car Insurance - Comprehensive Agreed m St.George Bank - Comprehensive Either m 1300 Insurance - Gold Comprehensive Either m 1300 Insurance - Standard Comprehensive Either m 1COVER DIRECT INSURANCE - Comprehensive Either m 1st for Women - Comprehensive Either m ANZ - Comprehensive Either m AON - Comprehensive Either m AUSTRALIA POST - Comprehensive Either m Australian Unity Insurance - Comprehensive Either m Budget Direct - Gold Comprehensive Either m Budget Direct - Standard Comprehensive Either m cashback - Accelerator Comprehensive Either m CGU - Comprehensive Either m Coles Insurance - Comprehensive Either y GE Money - Comprehensive Either m GIO - Comprehensive Agreed m HBF Financial Services - Comprehensive Either m ibuyeco - Comprehensive Car Either m Car Insurance Star Ratings page 67

71 Young Female Driver <25 - Victoria K-Mart Tyre & Auto Service - Comprehensive Either m Myer Insurance - Comprehensive Either m nab - Comprehensive Either m OnePath - Comprehensive Either m Ozicare - Standard Comprehensive Either m QBE - Comprehensive Either m RACV - Complete Care Agreed m Real Insurance - Comprehensive Agreed m Suncorp Bank - Comprehensive Agreed m Virgin Money - Comprehensive Either m Westpac - Comprehensive Either y Woolworths Limited - Comprehensive Agreed m Car Insurance Star Ratings page 68

72 Young Male Driver <25 - Victoria ««Commonwealth Bank - Comprehensive Either m Just Car Insurance - Comprehensive Agreed m RACV - Comprehensive Either m «1300 Insurance - Gold Comprehensive Either m 1300 Insurance - Standard Comprehensive Either m AAMI - Comprehensive Agreed m Allianz Australia - SureCover Plus Either m Hume Building Society - Comprehensive Either y People's Choice Credit Union - Comprehensive Either m 1COVER DIRECT INSURANCE - Comprehensive Either m ANZ - Comprehensive Either m AON - Comprehensive Either m AUSTRALIA POST - Comprehensive Either m Australian Unity Insurance - Comprehensive Either m Bendigo Bank - Comprehensive Either m Budget Direct - Standard Comprehensive Either m Budget Direct - Gold Comprehensive Either m cashback - Accelerator Comprehensive Either m CGU - Comprehensive Either m Coles Insurance - Comprehensive Either y GE Money - Comprehensive Either m GIO - Comprehensive Agreed m HBF Financial Services - Comprehensive Either m ibuyeco - Comprehensive Car Either m K-Mart Tyre & Auto Service - Comprehensive Either m Myer Insurance - Comprehensive Either m Car Insurance Star Ratings page 69

73 Young Male Driver <25 - Victoria nab - Comprehensive Either m OnePath - Comprehensive Either m Ozicare - Standard Comprehensive Either m QBE - Comprehensive Either m RACV - Complete Care Agreed m Real Insurance - Comprehensive Agreed m St.George Bank - Comprehensive Either m Suncorp Bank - Comprehensive Agreed m Virgin Money - Comprehensive Either m Westpac - Comprehensive Either y Woolworths Limited - Comprehensive Agreed m Car Insurance Star Ratings page 70

74 Drivers Western Australia ««Budget Direct - Standard Comprehensive Either m Ozicare - Standard Comprehensive Either m Virgin Money - Comprehensive Either m «1300 Insurance - Gold Comprehensive Either m 1300 Insurance - Standard Comprehensive Either m AUSTRALIA POST - Comprehensive Either m Budget Direct - Gold Comprehensive Either m cashback - Accelerator Comprehensive Either m GE Money - Comprehensive Either m SGIO - Comprehensive Either m 1COVER DIRECT INSURANCE - Comprehensive Either m AAMI - Comprehensive Agreed m Allianz Australia - SureCover Plus Either m ANZ - Comprehensive Either m AON - Comprehensive Either m Australian Unity Insurance - Comprehensive Either m Bendigo Bank - Comprehensive Either m CGU - Comprehensive Either m Coles Insurance - Comprehensive Either y Commonwealth Bank - Comprehensive Either m GIO - Comprehensive Agreed m HBF Financial Services - Comprehensive Either m Hume Building Society - Comprehensive Either y ibuyeco - Comprehensive Car Either m Just Car Insurance - Comprehensive Agreed m K-Mart Tyre & Auto Service - Comprehensive Either m Car Insurance Star Ratings page 71

75 Drivers Western Australia Myer Insurance - Comprehensive Either m nab - Comprehensive Either m OnePath - Comprehensive Either m People's Choice Credit Union - Comprehensive Either m QBE - Comprehensive Either m RAC - Comprehensive Either m Real Insurance - Comprehensive Agreed m SGIO - Comprehensive PLUS Agreed m St.George Bank - Comprehensive Either m Suncorp Bank - Comprehensive Agreed m Westpac - Comprehensive Either y Woolworths Limited - Comprehensive Agreed m Car Insurance Star Ratings page 72

76 Family with Young Drivers - Western Australia ««Budget Direct - Standard Comprehensive Either m Ozicare - Standard Comprehensive Either m QBE - Comprehensive Either m Virgin Money - Comprehensive Either m «1300 Insurance - Gold Comprehensive Either m AUSTRALIA POST - Comprehensive Either m Budget Direct - Gold Comprehensive Either m GE Money - Comprehensive Either m ibuyeco - Comprehensive Car Either m SGIO - Comprehensive Either m 1300 Insurance - Standard Comprehensive Either m 1COVER DIRECT INSURANCE - Comprehensive Either m AAMI - Comprehensive Agreed m Allianz Australia - SureCover Plus Either m ANZ - Comprehensive Either m AON - Comprehensive Either m Australian Unity Insurance - Comprehensive Either m Bendigo Bank - Comprehensive Either m cashback - Accelerator Comprehensive Either m CGU - Comprehensive Either m Coles Insurance - Comprehensive Either y Commonwealth Bank - Comprehensive Either m GIO - Comprehensive Agreed m HBF Financial Services - Comprehensive Either m Hume Building Society - Comprehensive Either y Just Car Insurance - Comprehensive Agreed m Car Insurance Star Ratings page 73

77 Family with Young Drivers - Western Australia K-Mart Tyre & Auto Service - Comprehensive Either m Myer Insurance - Comprehensive Either m nab - Comprehensive Either m OnePath - Comprehensive Either m People's Choice Credit Union - Comprehensive Either m RAC - Comprehensive Either m Real Insurance - Comprehensive Agreed m SGIO - Comprehensive PLUS Agreed m St.George Bank - Comprehensive Either m Suncorp Bank - Comprehensive Agreed m Westpac - Comprehensive Either y Woolworths Limited - Comprehensive Agreed m Car Insurance Star Ratings page 74

78 Mature Drivers >60 - Western Australia ««1300 Insurance - Gold Comprehensive Either m 1300 Insurance - Standard Comprehensive Either m Budget Direct - Standard Comprehensive Either m GE Money - Comprehensive Either m QBE - Comprehensive Either m «AAMI - Comprehensive Agreed m AUSTRALIA POST - Comprehensive Either m Budget Direct - Gold Comprehensive Either m Ozicare - Standard Comprehensive Either m SGIO - Comprehensive Either m Virgin Money - Comprehensive Either m 1COVER DIRECT INSURANCE - Comprehensive Either m Allianz Australia - SureCover Plus Either m ANZ - Comprehensive Either m AON - Comprehensive Either m APIA - Comprehensive Either m Australian Unity Insurance - Comprehensive Either m Bendigo Bank - Comprehensive Either m cashback - Accelerator Comprehensive Either m CGU - Comprehensive Either m Coles Insurance - Comprehensive Either y Commonwealth Bank - Comprehensive Either m GIO - Comprehensive Agreed m HBF Financial Services - Comprehensive Either m Hume Building Society - Comprehensive Either y ibuyeco - Comprehensive Car Either m Car Insurance Star Ratings page 75

79 Mature Drivers >60 - Western Australia Just Car Insurance - Comprehensive Agreed m K-Mart Tyre & Auto Service - Comprehensive Either m Myer Insurance - Comprehensive Either m nab - Comprehensive Either m OnePath - Comprehensive Either m People's Choice Credit Union - Comprehensive Either m RAC - Comprehensive Either m Real Insurance - Comprehensive Agreed m SGIO - Comprehensive PLUS Agreed m St.George Bank - Comprehensive Either m Suncorp Bank - Comprehensive Agreed m Westpac - Comprehensive Either y Woolworths Limited - Comprehensive Agreed m Car Insurance Star Ratings page 76

80 Female Driver Western Australia ««1st for Women - Comprehensive Either m Budget Direct - Standard Comprehensive Either m Coles Insurance - Comprehensive Either y GE Money - Comprehensive Either m «1300 Insurance - Standard Comprehensive Either m 1300 Insurance - Gold Comprehensive Either m K-Mart Tyre & Auto Service - Comprehensive Either m RAC - Comprehensive Either m SGIO - Comprehensive Either m Virgin Money - Comprehensive Either m 1COVER DIRECT INSURANCE - Comprehensive Either m AAMI - Comprehensive Agreed m Allianz Australia - SureCover Plus Either m ANZ - Comprehensive Either m AON - Comprehensive Either m AUSTRALIA POST - Comprehensive Either m Australian Unity Insurance - Comprehensive Either m Bendigo Bank - Comprehensive Either m Budget Direct - Gold Comprehensive Either m cashback - Accelerator Comprehensive Either m CGU - Comprehensive Either m Commonwealth Bank - Comprehensive Either m GIO - Comprehensive Agreed m HBF Financial Services - Comprehensive Either m Hume Building Society - Comprehensive Either y ibuyeco - Comprehensive Car Either m Car Insurance Star Ratings page 77

81 Female Driver Western Australia Just Car Insurance - Comprehensive Agreed m Myer Insurance - Comprehensive Either m nab - Comprehensive Either m OnePath - Comprehensive Either m Ozicare - Standard Comprehensive Either m People's Choice Credit Union - Comprehensive Either m QBE - Comprehensive Either m Real Insurance - Comprehensive Agreed m SGIO - Comprehensive PLUS Agreed m St.George Bank - Comprehensive Either m Suncorp Bank - Comprehensive Agreed m Westpac - Comprehensive Either y Woolworths Limited - Comprehensive Agreed m Car Insurance Star Ratings page 78

82 Male Driver Western Australia ««1300 Insurance - Gold Comprehensive Either m 1300 Insurance - Standard Comprehensive Either m Budget Direct - Standard Comprehensive Either m GE Money - Comprehensive Either m «AUSTRALIA POST - Comprehensive Either m Budget Direct - Gold Comprehensive Either m ibuyeco - Comprehensive Car Either m Ozicare - Standard Comprehensive Either m RAC - Comprehensive Either m Virgin Money - Comprehensive Either m 1COVER DIRECT INSURANCE - Comprehensive Either m AAMI - Comprehensive Agreed m Allianz Australia - SureCover Plus Either m ANZ - Comprehensive Either m AON - Comprehensive Either m Australian Unity Insurance - Comprehensive Either m Bendigo Bank - Comprehensive Either m cashback - Accelerator Comprehensive Either m CGU - Comprehensive Either m Coles Insurance - Comprehensive Either y Commonwealth Bank - Comprehensive Either m GIO - Comprehensive Agreed m HBF Financial Services - Comprehensive Either m Hume Building Society - Comprehensive Either y Just Car Insurance - Comprehensive Agreed m K-Mart Tyre & Auto Service - Comprehensive Either m Car Insurance Star Ratings page 79

83 Male Driver Western Australia Myer Insurance - Comprehensive Either m nab - Comprehensive Either m OnePath - Comprehensive Either m People's Choice Credit Union - Comprehensive Either m QBE - Comprehensive Either m Real Insurance - Comprehensive Agreed m SGIO - Comprehensive Either m SGIO - Comprehensive PLUS Agreed m St.George Bank - Comprehensive Either m Suncorp Bank - Comprehensive Agreed m Westpac - Comprehensive Either y Woolworths Limited - Comprehensive Agreed m Car Insurance Star Ratings page 80

84 Young Female Driver <25 - Western Australia ««Coles Insurance - Comprehensive Either y K-Mart Tyre & Auto Service - Comprehensive Either m RAC - Comprehensive Either m «AAMI - Comprehensive Agreed m Bendigo Bank - Comprehensive Either m CGU - Comprehensive Either m HBF Financial Services - Comprehensive Either m SGIO - Comprehensive Either m St.George Bank - Comprehensive Either m 1300 Insurance - Standard Comprehensive Either m 1300 Insurance - Gold Comprehensive Either m 1COVER DIRECT INSURANCE - Comprehensive Either m 1st for Women - Comprehensive Either m Allianz Australia - SureCover Plus Either m ANZ - Comprehensive Either m AON - Comprehensive Either m AUSTRALIA POST - Comprehensive Either m Australian Unity Insurance - Comprehensive Either m Budget Direct - Standard Comprehensive Either m Budget Direct - Gold Comprehensive Either m cashback - Accelerator Comprehensive Either m Commonwealth Bank - Comprehensive Either m GE Money - Comprehensive Either m GIO - Comprehensive Agreed m Hume Building Society - Comprehensive Either y ibuyeco - Comprehensive Car Either m Car Insurance Star Ratings page 81

85 Young Female Driver <25 - Western Australia Just Car Insurance - Comprehensive Agreed m Myer Insurance - Comprehensive Either m nab - Comprehensive Either m OnePath - Comprehensive Either m Ozicare - Standard Comprehensive Either m People's Choice Credit Union - Comprehensive Either m QBE - Comprehensive Either m Real Insurance - Comprehensive Agreed m SGIO - Comprehensive PLUS Agreed m Suncorp Bank - Comprehensive Agreed m Virgin Money - Comprehensive Either m Westpac - Comprehensive Either y Woolworths Limited - Comprehensive Agreed m Car Insurance Star Ratings page 82

86 Young Male Driver <25 - Western Australia ««AAMI - Comprehensive Agreed m Coles Insurance - Comprehensive Either y RAC - Comprehensive Either m SGIO - Comprehensive Either m «Bendigo Bank - Comprehensive Either m CGU - Comprehensive Either m HBF Financial Services - Comprehensive Either m Just Car Insurance - Comprehensive Agreed m People's Choice Credit Union - Comprehensive Either m St.George Bank - Comprehensive Either m 1300 Insurance - Gold Comprehensive Either m 1300 Insurance - Standard Comprehensive Either m 1COVER DIRECT INSURANCE - Comprehensive Either m Allianz Australia - SureCover Plus Either m ANZ - Comprehensive Either m AON - Comprehensive Either m AUSTRALIA POST - Comprehensive Either m Australian Unity Insurance - Comprehensive Either m Budget Direct - Gold Comprehensive Either m Budget Direct - Standard Comprehensive Either m cashback - Accelerator Comprehensive Either m Commonwealth Bank - Comprehensive Either m GE Money - Comprehensive Either m GIO - Comprehensive Agreed m Hume Building Society - Comprehensive Either y ibuyeco - Comprehensive Car Either m Car Insurance Star Ratings page 83

87 Young Male Driver <25 - Western Australia K-Mart Tyre & Auto Service - Comprehensive Either m Myer Insurance - Comprehensive Either m nab - Comprehensive Either m OnePath - Comprehensive Either m Ozicare - Standard Comprehensive Either m QBE - Comprehensive Either m Real Insurance - Comprehensive Agreed m SGIO - Comprehensive PLUS Agreed m Suncorp Bank - Comprehensive Agreed m Virgin Money - Comprehensive Either m Westpac - Comprehensive Either y Woolworths Limited - Comprehensive Agreed m Car Insurance Star Ratings page 84

CAR INSURANCE STAR RATINGS. Road death numbers have been falling for some years now, which is undoubtedly. Accidents do happen

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