Bingle Questions & Answers (page 3 of 3)

A lot of companies have the policy that if you're not at fault and can provide the details of the other driver, you will get your excess back. With Bingle, the policy is you will get your excess back once they have recouped their cost from the at-fault driver. Not sure about damage repairs, but they paid me out for my write-off; although it has been over 18 months and I have not received my excess back, even though I was demonstrably not at fault, and provided damning evidence against the other driver. Also, even though I was not at fault, I still pay a higher premium for having made a claim. Their system does not account for who is at fault, it just comes down to: 1. Have you made a claim in the last three years? 2. Have they recouped their losses for that claim? Answers: 1. Yes = pay a higher premium. 2. No = kiss your excess goodbye.

Mel I think you need to shop around. I read Bingle's PDS and got an online quote for as close to the same cover as possible as I got online quotes from GIO, Suncorp and AAMI. Let me assure you that Bingle is not cheap for the cover they offer.
I or family members have had claims with these other insurers and got total satisfaction every time. Not one of them ever asked for excess payments up front. When an excess was payable, it was paid directly to the repairer on completion of repairs to my satisfaction. With both GIO and Suncorp (and I have proven this three times in as many years) there is no excess payable if the other driver is at fault AND you provide their name & address or their car registration plate number. I know this is a while since you posted your question, but I hope this helps.

You can call about claims 1300 246 453. I think it is only for policy stuff that it is online only