Car Insurance Awards 2021

A big round of applause for the winners of the 2021 Mozo Experts Choice Awards for Car Insurance. This year’s stand-outs were recognised in two main categories; Exceptional Value and Exceptional Quality. Our Exceptional Value awards commended those car insurers who brought the best value to the table, offering competitively priced policies on a variety of different scenarios. Our Exceptional Quality winners were judged on being market leaders in their generosity of premium benefits and their flexibility of options regardless of cost.

Mozo Experts Choice Awards 2021 Badge

What are the Mozo Experts Choice Awards?

Now in their eighth year, the Mozo Experts Choice Awards provide a platform to highlight products in the marketplace we believe offer great value to Australians.

For the 2021 Car Insurance Awards, the Mozo Expert Judges turned their attention to finding the best value and highest quality policies with the broadest range of features, collecting pricing and policy information from 57 car insurance providers.

"With the use of motor vehicles changing dramatically since the coronavirus pandemic began, reviewing your car insurance policy could be a smart move that could save you money,” Mozo Experts Judge Peter Marshall said. 

“It’s important to ensure your car insurance policy is still suitable for your needs as a driver as well as your budget. Comparing our winners list is a great way to begin researching your options,” Marshall said.

For a more in-depth look at how we crunched the numbers and determined the award winners, see our Mozo Experts Choice Car Insurance Awards methodology report, or get more info about our judging criteria by reading the FAQs at the bottom of this page.

 

Value Insurance Provider of the Year

 

Budget Direct logo

 

With wins in Exceptional Value categories across our consumer insurance awards, Budget Direct has once again been crowned our Value Insurance Provider of the Year for 2021. Their offerings continue to deliver more often than not lower prices, while maintaining solid cover limits. This marks a massive three years in a row for Budget Direct taking out a major Mozo award title, a commendable achievement on their behalf.

 

Quality Insurance Provider of the Year

 

NRMA insurance

 

Again taking out Exceptional Quality several awards in various categories this year, made choosing NRMA as the Quality Insurance Provider of the Year for 2021 a very easy decision. Even NRMA’s ‘second tier’ comprehensive car insurance policy, which offers slightly more limited benefits for a lower premium, qualified for a win in our Exceptional Quality awards. For those willing to pay a bit more for the assurance of top level insurance cover, NRMA is the one to beat in 2021.

 

 

Exceptional Value Car Insurance

For drivers seeking out comprehensive car insurance offering the broadest range of features for the most affordable premiums, the winners below are a great place to start. Our judges assessed more than 10,000 unique quotes to find the insurance providers which often offer like-for-like policies at lower premiums than the competition.

 

Budget Direct logo

Budget Direct

Gold Comprehensive Car Insurance

Huddle logo

Huddle

Comprehensive Car Insurance

ROLLiN' logo

ROLLiN'

Comprehensive Car Insurance

QBE logo

QBE

Comprehensive Car Insurance

RAC logo

RAC

Comprehensive Car Insurance

RACV logo

RACV

Comprehensive Car Insurance

SGIO logo

SGIO

Comprehensive Car Insurance

Woolworths logo

Woolworths

Comprehensive Car Insurance

Exceptional Value Young Driver Insurance

Finding an insurance policy for drivers aged under 25 that’s competitively priced while also avoiding an age or experience-based high excesses can be challenging. This year our judges applied our Value analysis to identify which policies most often have the best prices and manageable excesses to find the winners below.

 

Budget Direct logo

Budget Direct

Comprehensive Car Insurance

ING logo

ING

Comprehensive Car Insurance

ROLLiN' logo

ROLLiN'

Comprehensive Car Insurance

Virgin Money logo

Virgin Money

Price Saver Comprehensive

Exceptional Value Senior Driver Insurance

Seniors looking for comprehensive car insurance at a competitive price may want to consider these winning policies for a great place to start their search. We applied a cost assessment across thousands of quotes for drivers over the age of 55, and like our other Value awards, we compared this against acceptable minimum cover levels to find the best of the bunch.

 

Huddle logo

Huddle

Comprehensive Car Insurance

SGIO logo

SGIO

Comprehensive Car Insurance

Youi logo

Youi

Comprehensive Car Insurance

Exceptional Quality Car Insurance

Our assessment of Exceptional Quality is based on how well the policy scores across a range of factors.

For car insurance, this includes things like what options there are if your car is written-off, whether or not a rental car is covered during repairs (including time and price limits) and the excess choices available at claim time. The judges also considered whether or not the policy covers genuine parts to repair your car, the amount of personal property cover included, and other influential policy features. Of the 69 policies assessed, we found these to offer the most generous levels of cover.

 

GIO logo

GIO

Platinum Car Insurance

NRMA logo

NRMA

Comprehensive Car Insurance

NRMA logo

NRMA

Comprehensive Plus Car Insurance

RAA logo

RAA

Comprehensive Car Insurance

RAC logo

RAC

Comprehensive Car Insurance

RACV logo

RACV

Complete Care Car Insurance

SGIC logo

SGIC

Comprehensive Plus Car Insurance

Shannons logo

Shannons

Comprehensive Motor Vehicle Insurance

Suncorp Insurance logo

Suncorp Insurance

Comprehensive Advantages Car Insurance

Frequently Asked Questions

What’s the Judging Criteria for the awards?

Established in 2014, the Mozo Experts Choice Awards recognise products that deliver exceptional value or benefits to consumers.

The information collection for this award category was conducted in July 2021. For a car insurance policy to be considered for inclusion in these awards, all information must be readily available on the insurance provider’s website and the policy available to the general public without being a previously established member or customer. Products are considered and awards are made irrespective of a product provider’s commercial relationship with Mozo.

See our Mozo Experts Choice Car Insurance Awards methodology report for more detailed information on how we performed the price comparisons and determined the final winners list for these awards.

Did you compare all car insurance policies in the market for these awards?

We collected pricing and cover information for 69 car insurance policies from 57 insurance providers. We aim to include most providers in the market in the Mozo Experts Choice Awards. However, not every product in the market will be included in our review.

How do I find the cheapest car insurance policy?

A great place to start is by checking out the winners in the Exceptional Value categories. Our experts analysed the pricing and product data and determined these as the insurance policies offering the broadest range of insurance features at the most affordable price point when compared to similar products.

It’s important to understand that several factors go into determining the cost of car insurance, such as your driving history, location and vehicle make and model. So, you’ll still need to compare features and options to find a policy that is right for you and then get quotes to check prices.

What product features or benefits did you consider for the Exceptional Quality Awards?

Our assessment of Quality is based on how well the product scores on a large range of different factors including the nature and extent of the insurance cover, and the inclusion of added benefits. The full list of factors considered is included in our methodology report. We relied on product information in each insurance provider’s product disclosure statements (PDS) and on their websites to assess cover and benefits.

Who are Mozo’s experts?

The Mozo Experts Choice Awards are overseen by AJ Duncanson and Peter Marshall. AJ is Mozo’s Data Director. He is a data scientist and actuary, and has worked in financial services and product comparison for over 30 years. Peter has been in the industry even longer, and as Research Manager he leads Mozo’s team of analysts that perform all the analysis behind the Mozo Experts Choice Awards.

I work for an insurance company, how do we promote our win?

Please get in touch with our account management team to discuss promotion options.