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Choice runs rule over comprehensive car cover

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Perth-based insurer RAC’s comprehensive car insurance policy has topped a Choice ranking, and is among only six comprehensive offerings the consumer advocate recommends from 34 tested.

The WA mutual scores 75% on Choice’s scale, followed by APIA (73%), TIO (70%), CGU (68%), SA insurer RAA (67%) and GIO (65%).

While Youi also scored 65%, Choice has not recommended it because it could not verify the quotes it gave.

“We believe consumers should always be able to get a quote online without being subject to a call centre sales pitch,” Choice says.

At the bottom of the list are supermarket offerings from Woolworths (45%) and Coles, with its “comprehensive plus” (44%) and comprehensive (41%) policies.

Choice scores each policy according to product features (70% of the final rating), price (20%) and satisfaction (10%). It asked insurers to quote for several scenarios involving young people, families, good drivers, bad drivers and retirees.