Compare car insurance
At Savvy we understand that your car is a valuable asset. Motor vehicle insurance products are varied and our qualified consultants will inform you on the best options for your vehicle.
Protect your car the Savvy way
Car accidents are a fact of life. 89% of Australians believe that major accidents won’t happen to them but the truth is, tens of thousands of us are involved in road traffic accidents each year. Whether we are at fault or not, having a car insurance premium that helps you get back on the road faster is something we can’t afford not to have. Savvy helps you find a car insurance premium from many of Australia’s top insurance companies so you can save more and get the most out of your policy. We help you sign up and even assist in claims. With a broker at your back, we make claims easy. If you are buying a new car, renewing an expiring policy or just want to shop around, we can help you compare and save.
Competitive premiums, the right advice
Car insurance can be complicated. What level of cover is right for me? Do I need comprehensive insurance? Do I need GAP insurance? What about the bits and pieces of my car comprehensive insurance doesn’t cover? Our team of insurance consultants capture all your information so you can choose a policy that is not only affordable, but covers you and your family as comprehensively as possible. We take the headache out of choosing car insurance, explaining options without the bias or confusion of other “comparison” companies. Our decades of experience in car insurance make sure you get the right level of cover at a competitive price. We can find premiums with hire cars, emergency accommodation, roadside assistance, and more!
Why choose Savvy?
We are accredited with most reputable lenders in Australia giving you a fair choice to compare
How can I save on my premiums?
Some companies offer a discount for paying your premium in a lump sum instead of instalments. Having secure parking for your car, safety and security devices installed on your vehicle, and having a good driving record can all help to reduce your insurance costs. With such a wide variety of policies available, it can be confusing. It makes sense to save time and money by calling one of our experienced consultants for an obligation free appointment to determine your best options. We have many insurance products available at the best rates.
What our customers say about their finance experience
Read true stories of about customers about their finance experience with us
Do you have car insurance questions?
Find answers to all the commonly asked car insurance questions here!
Helpful information on car insurance
Your helpful guides to car insurance – everything you need to know to make sure you’re covered
How to make sure you get the right valuation
When you purchase comprehensive car insurance, you can choose two options to value your vehicle if it’s written off or stolen: agreed value and market value. Agreed value is an amount that you and your insurance company settle on, valid until your next renewal date. You must renew this each year with your insurer. It takes time, but could net you more if you claim, especially if you modify your car. Market value is an amount that the insurance company believes your car would sell for if sold at the date of premium renewal. This takes into account existing damage, make, model, year and condition. The downside to market value is they will give you the lowest possible value.
The three main levels of car insurance
Buying car insurance is easier when you know the levels of insurance coverage. There are three: third party property damage, third party fire & theft, and comprehensive cover. Third party property (3PP) damage only insures you against damage you cause to other vehicles or property. Any damage sustained to your own car is not covered. Third party fire and theft includes 3PP cover and if your car is stolen, or written off due to fire. Comprehensive cover covers you for almost all eventualities – theft, fire, and damage regardless with who was at fault. Some comprehensive cover also offers roadside assistance, hire cars, new for old replacement, and no claim bonuses.
Do you need tyre and rim insurance?
Many Australians believe comprehensive car insurance covers absolutely everything. In most cases, it doesn’t cover engine repairs, electrical shortages or most important, tyre and rim damage. Tyre and rim insurance is important because without even one of these vital car parts, your car is immobile. Tyres and rim replacements – especially on 4WDs or commercial vans – can cost well into the four figures. Coming up with money for tyres and rims on the spot can prove costly, and tyre and rim insurance can save you in the end. This kind of insurance can also include roadside assistance and hotel stays.
What is GAP insurance?
GAP insurance or Motor Equity Insurance (MEI) is an insurance policy that covers the shortfall or “gap” between what you owe on a loan and the payout amount if your car is written off as a total loss, or stolen. If you owe $15,000 and only get $10,000 from your insurer, GAP insurance covers the last $5,000 so you aren’t out of pocket. GAP insurance, in some premiums, can also cover your comprehensive car insurance excess and the costs of replacing your old car with a new one. It is a sort of “insurance against insurance” not covering the full amount to get you back on the road.