Compare your renewal and two new quotes at the same level of cover by premium, total excess and insured value against a claim you choose.
Use this tool when you have your renewal notice and one or two new quotes for the same car, drivers, garaging address, use and level of cover. Enter each annual premium as the full amount you would pay for 12 months, including GST, state stamp duty and any fees. Enter the total excess that would apply to the claim you are testing: the basic excess plus any age, inexperienced or unlisted driver excess. In the limit field enter the agreed value, or your best estimate of market value if the policy is market value.
How it works. For each quote the tool works out what the insurer pays: the claim minus the excess, capped at the limit. Your share is the claim minus that payment. It adds your share to the premium and sorts the quotes from the lowest total to the highest.
Worked example (illustrative). With a $4,000 at-fault repair: the renewal costs $1,240 + $800 = $2,040; quote A costs $1,010 + $1,600 = $2,610; quote B costs $1,105 + $800 = $1,905. With no claim, quote A is cheapest at $1,010. Now test a total loss of $24,000: quote B pays only $22,500 - $800 = $21,700, so your share is $2,300 and B's total is $3,405, while the renewal's total is $1,240 + $800 = $2,040. The lower agreed value on quote B matters only in a write-off.
Limits. The tool assumes one claim and ignores the effect on your no claim bonus and future premiums. It does not read exclusions, hire car terms, storm waiting periods or windscreen excesses. To compare different levels of cover, use the cover level comparison. All defaults are illustrative, not real quotes.
Cover types, costs and 2026 rules
How agreed value and market value work on Australian comprehensive car insurance, worked total loss payouts, finance gaps, new car replacement and what to check at renewal.
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How an Australian car insurance premium is made up of base premium, GST and state stamp duty, with worked examples by state and what it means when you compare quotes.
Worked quotes and renewal checklists
The types of car insurance excess in Australia, how they stack in a claim, a break-even calculation for choosing a higher excess and when the excess is waived.
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How Australian car insurance no claim bonuses and ratings work, what an at-fault claim can cost over several years, NCB protection, lifetime rating 1 and transferring your rating.
Worked quotes and renewal checklists
A full worked example comparing an Australian car insurance renewal with two new comprehensive quotes, adjusting for excess, agreed value, extras and a claim.
Worked quotes and renewal checklists
How to switch car insurance in Australia before renewal, how pro-rata refunds and cancellation fees work, storm waiting periods and the order of steps to avoid a gap.
