BestBuy Car Insurance

Cheaper Car Insurance for Better Drivers

Safer drivers equal less risk. As our clients are generally over 25 with a history of good quality driving, we receive fewer claims and can afford to pass on these savings to you.

Get a Quote
  • Lifetime Guarantee on repairs
  • 21-day Money Back Guarantee
  • Flexible Payment Terms
  • After-hours Claims Helpline
  • Powered by Auto and General Services Pty Ltd

Cheaper Car Insurance for Better Drivers

Safer drivers equal less risk. As our clients are generally over 25 with a history of good quality driving, we receive fewer claims and can afford to pass on these savings to you.

Get a Quote
  • Lifetime Guarantee on repairs
  • 21-day Money Back Guarantee
  • Flexible Payment Terms
  • After-hours Claims Helpline
  • Powered by Auto and General Services Pty Ltd

Cheaper Car Insurance for Better Drivers

Safer drivers equal less risk. As our clients are generally over 25 with a history of good quality driving, we receive fewer claims and can afford to pass on these savings to you.

Get a Quote
  • Lifetime Guarantee on repairs
  • 21-day Money Back Guarantee
  • Flexible Payment Terms
  • After-hours Claims Helpline
  • Powered by Auto and General Services Pty Ltd

Product Benefits

All of our car insurance policies offer a great range of standard benefits.

Comprehensive

Comprehensive Car Insurance covers you no matter who's at fault for maximum peace of mind.

Third Party

Covers you for damage caused by your car to other people's property.

Third Party Fire & Theft

Gives you Third Party Property as well as cover for your own car if it is stolen or catches fire.

New Car Replacement 12 months
Hire vehicle following theft $1,000
(limit 14 days)
$1,000
(limit 14 days)
Emergency transport and overnight accommodation $100 a day ($300 in total)
Security device discount (approved system)
Flexible payment options
Legal Liability Cover $20 million
Repairs guaranteed for as long as you own the car
Personal effects $250
(damage only)
Damage to your caravan or trailer in a collision $500
(trailer only)
No excess when identified third party is at fault
No Claim Discount preserved when third party is identified and at fault
Damage to or theft of child seats/baby capsule in your car
Debris removal
Death benefit
Replacement keys/remote
After-hours claims helpline
View More Benefits ▼
Get a Quote Get a Quote Get a Quote

Comprehensive

Comprehensive Car Insurance covers you no matter who's at fault for maximum peace of mind.

Third Party

Covers you for damage caused by your car to other people's property.

Third Party Fire & Theft

Gives you Third Party Property as well as cover for your own car if it is stolen or catches fire.

New Car Replacement 12 months
Hire vehicle following theft $1,000
(limit 14 days)
$1,000
(limit 14 days)
Emergency transport and overnight accommodation $100 a day ($300 in total)
Security device discount (approved system)
Flexible payment options
Legal Liability Cover $20 million
Repairs guaranteed for as long as you own the car
Personal effects $250
(damage only)
Damage to your caravan or trailer in a collision $500
(trailer only)
No excess when identified third party is at fault
No Claim Discount preserved when third party is identified and at fault
Damage to or theft of child seats/baby capsule in your car
Debris removal
Death benefit
Replacement keys/remote
After-hours claims helpline
View More Benefits ▼
Get a Quote Get a Quote Get a Quote

Comprehensive

Comprehensive Car Insurance covers you no matter who's at fault for maximum peace of mind.

Third Party

Covers you for damage caused by your car to other people's property.

Third Party Fire & Theft

Gives you Third Party Property as well as cover for your own car if it is stolen or catches fire.

New Car Replacement 12 months
Hire vehicle following theft $1,000
(limit 14 days)
$1,000
(limit 14 days)
Emergency transport and overnight accommodation $100 a day ($300 in total)
Security device discount (approved system)
Flexible payment options
Legal Liability Cover $20 million
View More Benefits ▼
Get a Quote Get a Quote Get a Quote

Optional Benefits

As well as our standard policy benefits, we also offer a range of policy options so you can tailor your car insurance policy to suit your needs and your budget.

Restricted Driver Discounts

No-one under 25 driving your car? Let us know and we can give you a lower premium. You can restrict the youngest driver age to 21, 25, 30 or even 40.

Roadside Assistance

If you don't want a breakdown, flat tyre, flat battery or anything else leaving you stranded, our Roadside Assistance may be just what you need.

Variable excess to reduce premium

If you're pretty sure you won't be in an accident you can raise your excess, which will lower your premium.

Optional Benefits

As well as our standard policy benefits, we also offer a range of policy options so you can tailor your car insurance policy to suit your needs and your budget.

Restricted Driver Discounts

No-one under 25 driving your car? Let us know and we can give you a lower premium. You can restrict the youngest driver age to 21, 25, 30 or even 40.

Roadside Assistance

If you don't want a breakdown, flat tyre, flat battery or anything else leaving you stranded, our Roadside Assistance may be just what you need.

Variable excess to reduce premium

If you're pretty sure you won't be in an accident you can raise your excess, which will lower your premium.

About Us

About Best Buy Insurance

At BestBuy, we believe that good quality drivers should not have to pay more to subsidise drivers that represent a higher risk. Our policies are underwritten by Auto & General Insurance Company Ltd. The underwriting is more comprehensive that most other insurers. This allows us to provide good quality drivers, like you, more competitive rates.

We are very focused on ensuring that the individual risks are identified accurately and assessed correctly, so that we are able to provide the right price for each of our clients.

Our History

BestBuy is part of an International Group of Companies that began in the early 1980s and has grown to become an innovator in personal lines insurance. From the very beginning, the Group has introduced new methods for selling and administering insurance. We have made it easy for you to buy insurance, and have set new standards for the industry in the United Kingdom, South Africa and Australia.

We are the largest direct personal motor vehicle insurer in South Africa, and one of the largest personal lines intermediaries in the United Kingdom. The Group administers over 1.5 million policies worldwide and more than AUD$1 billion in annual premium income.

In 1999 we expanded our operations to include Australia, and to date, we have experienced exceptional growth. Combining international experience and knowledge with our high quality service standards, we are well positioned to repeat and continue the Group's success.

In Australia, the policies are underwritten by Auto & General Insurance Company Ltd, which is authorised to conduct insurance business in Australia by the Australian Prudential Regulatory Authority (ARPA).

Auto & General Insurance Company Ltd is a member of the Insurance Council of Australia and participates in the Insurance Code of Practice.

FAQ

Frequently Asked Questions

Tap a heading to read the answer.

Who is BestBuy?

BestBuy forms part of an international group of companies, which first began operating as an insurer in the early 1980s.

Since then the Group has grown to become an international innovator in personal insurance, and is the largest direct personal motor vehicle insurer in South Africa, and one of the largest personal lines intermediaries in the United Kingdom. The Group administers over 1.5 million policies worldwide and more than AUD$1 billion in annual premium income.

In 1999 the Group expanded its operations to include Australia, and Auto & General Services Pty Ltd was established to handle policies for BestBuy Car Insurance and a variety of market segments. To date the Group has experienced exceptional growth and is well positioned to continue its success in Australia.

How do I purchase a policy?

To take out a BestBuy car insurance policy all you have to do is call one of our helpful consultants on 1800 208 228. There is no need for you to fill in any forms or leave your home as everything can be done over the phone!

Our call centre is open Monday to Friday between 8.00am and 8.00pm (EST) and Saturday 8.00am to 5.00pm (EST). You can also get a quote online in less than four minutes to find out if you could be saving both money and time. Click here for a quote.

How long does it take to get insured?

In most cases you can be insured in one easy phone call. You should have at hand details of your car and driving record and it won't take long at all. You can be insured the day you call and take out a policy, or you can choose a later date for your cover to begin.

You can take out insurance now by calling 1800 208 228. Or you can get a quote online in just four minutes. Get a quote now.

What are the best ways I can save money on my car insurance?

There are several ways to make your premium more affordable. These include: restricting drivers by age, increasing your excess, and by installing a combined alarm and immobiliser to reduce the risk of car theft.

Another option is to pay by instalment and spread the cost of your insurance. This means you are not paying for your insurance all in one payment.

Are there different ways I can adjust my car insurance premium?

To help you get the right price, we give you the option of tailoring your policy.

You can restrict drivers by age, which will reduce the level of perceived risk, therefore lowering the premium you need to pay.

At BestBuy we believe if your car insurance company has all the right information and is evaluating your risk level effectively you should not have to pay exorbitant prices.

Other optional benefits include:
  • Reduce your windscreen excess
  • Protect your No Claim Discount. T&Cs apply, please see the PDS.

What benefits are available when choosing a motor vehicle insurer?

Benefits which could be important to you include, but are not limited to:
  • Lifetime guarantee on repairs for as long as you own the vehicle
  • Nominate your preferred repairer
  • Rating one for life option
  • No forms to fill in ever, including application and claim forms
  • 21 day money back guarantee if you cancel your policy

Terms and conditions apply (Please see our Product Disclosure Statement for details).

What are some of the factors which contribute to why I have a different premium to my friends?

Car insurance premiums are calculated based on the level of 'risk' the insurance underwriters associate with you and your car. So simple factors that differentiate you and someone else contribute to the perception of 'risk'.

Risk is primarily affected by the make and model of the car, the age of the driver/s and the driver's history, as well as residence. For example, not all insurers treat each suburb the same. In addition, where you park the car at night will often affect your premium.

The frequency of claims is also considered carefully. Our underwriting is more comprehensive than most other car insurers, which allows us to offer more competitive rates to Australian drivers.

What is the difference between agreed and market value?

Market value is the reasonable cost to replace your vehicle with one of the same make, model, age and condition as your vehicle at the time of loss or damage. It does not include any allowance for warranty, stamp duty or transfer costs.

Agreed value is the amount we agree to insure your vehicle for during each term of insurance. The value may change each time you renew the policy.

What is the difference between Comprehensive, Third Party Fire and Theft and Third Party Property Damage?

Comprehensive offers the greatest level of cover as it covers damage to your car and the third party's car.

With Third Party Fire and Theft cover, you will get third party property cover, plus cover for your own car if it is stolen or catches fire.

Third Party Property Damage Only, is the lowest level of cover we offer; it doesn't cover any damage done to the insured car, only damage to the third party's car.

For more details click here

What are personal effects?

Personal effects are your personal belongings that are in your car at the time of an accident.

At BestBuy we provide cover for damage to your personal effects resulting from a collision involving your car. Limits do apply (Please see our Product Disclosure Statement for details).

Why do we record our telephone conversations?

Telephone calls are recorded to allow us to avoid all the paperwork you might otherwise encounter. It also means we can offer immediate cover, as we are not waiting on forms to be filled out and processed.

Another reason is that it allows us to undertake service quality assessments, which helps us ensure all our operators are focusing on delivering you the best possible customer service.

What is a No Claim Discount (NCD)?

It is a discount on your insurance premium. Your No Claim Discount is calculated on your years of driving experience and your claims record.

It means as you gain more years of claim-free driving experience you receive a discount from the full priced premium until it reaches a maximum discount (also known as Rating 1). This is because we believe you are less likely to make a claim than an inexperienced driver.

What is the difference between a Rating 1, No Claim Discount and No Claim Bonus?

They are different terms for a scale that insurers use to rank your driving history and risk. Rating 1, NCD and NCB, all refer to a discount that is applied to the full premium.

Will I lose my NCD if I have an accident?

You can protect your Rating 1 (maximum No Claims Discount) by selecting our NCD protection option. This allows you to have 1 claim per 12-month period of having a BestBuy Car Insurance policy, or up to 2 claims in 3 years without affecting the Rating 1.

If you have NCD protection with us for 2 consecutive claim-free years, you will qualify for a Rating 1 for life. (Which means all claims have no effect on your NCD). However, you will not lose any NCD on renewal following a window glass claim, or if the other vehicle in a collision is entirely at fault and the driver is identified to us. For other claims, your NCD may be reduced at renewal.

What happens if I don't tell BestBuy about my driving record, past accidents and claims if I am asked?

This is called non-disclosure and affects an insurer's ability to accurately assess your risk or calculate the correct premium. It can lead to a claim being paid only in part, or not paid at all.

If I choose market value how do I know how much my car is insured for?

Market value is the reasonable cost to replace your vehicle with one of the same make, model, age and condition as your vehicle at the time of loss or damage. It does not include any allowance for warranty, stamp duty or transfer costs.

If you want an idea of what your car may be worth you can search for your car on Redbook's website.

Who is the underwriter for BestBuy Car Insurance?

BestBuy Car Insurance policies are underwritten by Auto & General Insurance Company Ltd. Auto & General Insurance Company Ltd is an Australian Insurer authorised to conduct insurance business in Australia by the Australian Prudential Regulatory Authority (APRA).

What if I have to make a claim?

If you need to make a claim call 1300 304 341 and one of our claims consultants will help you get back on the road as soon as possible.

In most cases you will be able to deal with all claims requests over the phone. We aim to have all claims processed promptly to avoid any inconvenience.

About Us

About Best Buy Insurance

At BestBuy, we believe that good quality drivers should not have to pay more to subsidise drivers that represent a higher risk. Our policies are underwritten by Auto & General Insurance Company Ltd. The underwriting is more comprehensive that most other insurers. This allows us to provide good quality drivers, like you, more competitive rates.

We are very focused on ensuring that the individual risks are identified accurately and assessed correctly, so that we are able to provide the right price for each of our clients.

Our History

BestBuy is part of an International Group of Companies that began in the early 1980s and has grown to become an innovator in personal lines insurance. From the very beginning, the Group has introduced new methods for selling and administering insurance. We have made it easy for you to buy insurance, and have set new standards for the industry in the United Kingdom, South Africa and Australia.

We are the largest direct personal motor vehicle insurer in South Africa, and one of the largest personal lines intermediaries in the United Kingdom. The Group administers over 1.5 million policies worldwide and more than AUD$1 billion in annual premium income.

In 1999 we expanded our operations to include Australia, and to date, we have experienced exceptional growth. Combining international experience and knowledge with our high quality service standards, we are well positioned to repeat and continue the Group's success.

In Australia, the policies are underwritten by Auto & General Insurance Company Ltd, which is authorised to conduct insurance business in Australia by the Australian Prudential Regulatory Authority (ARPA).

Auto & General Insurance Company Ltd is a member of the Insurance Council of Australia and participates in the Insurance Code of Practice.

FAQ

Frequently Asked Questions

Tap a heading to read the answer.

Who is BestBuy?

BestBuy forms part of an international group of companies, which first began operating as an insurer in the early 1980s.

Since then the Group has grown to become an international innovator in personal insurance, and is the largest direct personal motor vehicle insurer in South Africa, and one of the largest personal lines intermediaries in the United Kingdom. The Group administers over 1.5 million policies worldwide and more than AUD$1 billion in annual premium income.

In 1999 the Group expanded its operations to include Australia, and Auto & General Services Pty Ltd was established to handle policies for BestBuy Car Insurance and a variety of market segments. To date the Group has experienced exceptional growth and is well positioned to continue its success in Australia.

How do I purchase a policy?

To take out a BestBuy car insurance policy all you have to do is call one of our helpful consultants on 1800 208 228. There is no need for you to fill in any forms or leave your home as everything can be done over the phone!

Our call centre is open Monday to Friday between 8.00am and 8.00pm (EST) and Saturday 8.00am to 5.00pm (EST). You can also get a quote online in less than four minutes to find out if you could be saving both money and time. Click here for a quote.

How long does it take to get insured?

In most cases you can be insured in one easy phone call. You should have at hand details of your car and driving record and it won't take long at all. You can be insured the day you call and take out a policy, or you can choose a later date for your cover to begin.

You can take out insurance now by calling 1800 208 228. Or you can get a quote online in just four minutes. Get a quote now.

What are the best ways I can save money on my car insurance?

There are several ways to make your premium more affordable. These include: restricting drivers by age, increasing your excess, and by installing a combined alarm and immobiliser to reduce the risk of car theft.

Another option is to pay by instalment and spread the cost of your insurance. This means you are not paying for your insurance all in one payment.

Are there different ways I can adjust my car insurance premium?

To help you get the right price, we give you the option of tailoring your policy.

You can restrict drivers by age, which will reduce the level of perceived risk, therefore lowering the premium you need to pay.

At BestBuy we believe if your car insurance company has all the right information and is evaluating your risk level effectively you should not have to pay exorbitant prices.

Other optional benefits include:
  • Reduce your windscreen excess
  • Protect your No Claim Discount

What benefits should I seek out when choosing a motor vehicle insurer?

Benefits, which could be important to you include:
  • Lifetime guarantee on repairs for as long as you own the vehicle
  • Nominate your preferred repairer
  • Rating one for life option
  • No forms to fill in ever, including application and claim forms
  • 21 day money back guarantee if you cancel your policy

Terms and conditions apply (Please see our Product Disclosure Statement for details).

What are some of the factors which contribute to why I have a different premium to my friends?

Car insurance premiums are calculated based on the level of 'risk' the insurance underwriters associate with you and your car. So simple factors that differentiate you and someone else contribute to the perception of 'risk'.

Risk is primarily affected by the make and model of the car, the age of the driver/s and the driver's history, as well as residence. For example, not all insurers treat each suburb the same. In addition, where you park the car at night will often affect your premium.

The frequency of claims is also considered carefully. Our underwriting is more comprehensive than most other car insurers, which allows us to offer more competitive rates to Australian drivers.

What is the difference between agreed and market value?

Market value is the reasonable cost to replace your vehicle with one of the same make, model, age and condition as your vehicle at the time of loss or damage. It does not include any allowance for warranty, stamp duty or transfer costs.

Agreed value is the amount we agree to insure your vehicle for during each term of insurance. The value may change each time you renew the policy.

What is the difference between Comprehensive, Third Party Fire and Theft and Third Party Property Damage?

Comprehensive offers the greatest level of cover as it covers damage to your car and the third party's car.

With Third Party Fire and Theft cover, you will get third party property cover, plus cover for your own car if it is stolen or catches fire.

Third Party Property Damage Only, is the lowest level of cover we offer; it doesn't cover any damage done to the insured car, only damage to the third party's car.

For more details click here

What are personal effects?

Personal effects are your personal belongings that are in your car at the time of an accident.

At BestBuy we provide cover for damage to your personal effects resulting from a collision involving your car. Limits do apply (Please see our Product Disclosure Statement for details).

Why do we record our telephone conversations?

Telephone calls are recorded to allow us to avoid all the paperwork you might otherwise encounter. It also means we can offer immediate cover, as we are not waiting on forms to be filled out and processed.

Another reason is that it allows us to undertake service quality assessments, which helps us ensure all our operators are focusing on delivering you the best possible customer service.

What is a No Claim Discount (NCD)?

It is a discount on your insurance premium. Your No Claim Discount is calculated on your years of driving experience and your claims record.

It means as you gain more years of claim-free driving experience you receive a discount from the full priced premium until it reaches a maximum discount (also known as Rating 1). This is because we believe you are less likely to make a claim than an inexperienced driver.

What is the difference between a Rating 1, No Claim Discount and No Claim Bonus?

They are different terms for a scale that insurers use to rank your driving history and risk. Rating 1, NCD and NCB, all refer to a discount that is applied to the full premium.

Will I lose my NCD if I have an accident?

You can protect your Rating 1 (maximum No Claims Discount) by selecting our NCD protection option. This allows you to have 1 claim per 12-month period of having a BestBuy Car Insurance policy, or up to 2 claims in 3 years without affecting the Rating 1.

If you have NCD protection with us for 2 consecutive claim-free years, you will qualify for a Rating 1 for life. (Which means all claims have no effect on your NCD). However, you will not lose any NCD on renewal following a window glass claim, or if the other vehicle in a collision is entirely at fault and the driver is identified to us. For other claims, your NCD may be reduced at renewal.

What happens if I don't tell BestBuy about my driving record, past accidents and claims if I am asked?

This is called non-disclosure and affects an insurer's ability to accurately assess your risk or calculate the correct premium. It can lead to a claim being paid only in part, or not paid at all.

If I choose market value how do I know how much my car is insured for?

Market value is the reasonable cost to replace your vehicle with one of the same make, model, age and condition as your vehicle at the time of loss or damage. It does not include any allowance for warranty, stamp duty or transfer costs.

If you want an idea of what your car may be worth you can search for your car on Redbook's website.

Who is the underwriter for BestBuy Car Insurance?

BestBuy Car Insurance policies are underwritten by Auto & General Insurance Company Ltd. Auto & General Insurance Company Ltd is an Australian Insurer authorised to conduct insurance business in Australia by the Australian Prudential Regulatory Authority (APRA).

What if I have to make a claim?

If you need to make a claim call 1300 304 341 and one of our claims consultants will help you get back on the road as soon as possible.

In most cases you will be able to deal with all claims requests over the phone. We aim to have all claims processed promptly to avoid any inconvenience.

See how much you could save

Get a Quote

See how much you could save

Get a Quote