S
Sentinel Insurance
Comprehensive Plus
12 monthsChoice of repairerAgreed valueRoadside
$98
/mo est.
save ~$240/yr
Car Insurance
Compare car insurance
Car insurance premiums can vary widely for near-identical cover. Compare comprehensive policies on price, excess and the inclusions that actually matter if you claim.
H
Harbour Cover
Comprehensive
12 monthsChoice of repairerRoadside
$86
/mo est.
save ~$180/yr
A
Anchor Auto
Essentials Comp
12 monthsAgreed value
$74
/mo est.
save ~$132/yr
B
Beacon Mutual
Comprehensive Care
12 monthsChoice of repairerAgreed valueRoadside
$112
/mo est.
save ~$96/yr
D
Drift Insurance
Market Value Comp
12 monthsRoadside
$68
/mo est.
save ~$156/yr
C
Citadel
Comprehensive
12 monthsChoice of repairerAgreed value
$129
/mo est.
save ~$60/yr
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Estimated savings
$420 / yr
Typical annual saving identified when a driver compares comprehensive policies at renewal rather than auto-renewing the existing one.
Understand the category
What actually drives value here
Two comprehensive policies can look similar on price but differ sharply in the detail — the excess you'd pay, whether you can choose your own repairer, and whether you're covered for agreed or market value. We compare those inclusions side by side so price isn't the only thing you weigh.
Agreed vs market value
Agreed value fixes your payout; market value depends on the car's worth at claim time. We flag which a policy offers — it changes the premium and the risk.
Choice of repairer
Some policies let you pick your own repairer, others choose for you. If that matters to you, we make it easy to filter for.
Mind the excess
A low premium with a high excess can cost more if you claim. We show both so you can weigh the real trade-off.
Questions
Car Insurance FAQs
Premiums reflect your car, location, driving history, chosen excess and the level of cover. Small differences in these inputs can move the price significantly, which is why comparing pays off.
Not necessarily. A cheaper premium can come with a higher excess or fewer inclusions. We show excess and key inclusions alongside price so you can judge value, not just cost.
Agreed value sets your payout amount up front; market value is assessed at the time of a claim based on the car's worth. Agreed value usually costs a little more.
No. Comparing quotes is just research — your existing policy is unaffected until you choose to switch.
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