Name: Stella car insurance
Brand: Stella
Rating: 2.8 (2 reviews)

Stella car insurance

Comprehensive Car Insurance

Monthly premiums

Yes costs extra

Choice of repairer

No

Choice of excess

$800 - $2,500

Agreed or market value

Agreed
Available discounts

No claim discount
No Partner link

Monthly premiums available

Yes costs extra

Choice of repairer

No

Choice of excess

$800 - $2,500

Agreed or market value

Agreed

Discounts available

-

States where offered

SA VIC NT TAS NSW ACT QLD WA

Roadside assistance

Optional Extra

Genuine parts

Yes - within 3 years of original registration

New car if written off

Yes - within 3 years and 60,000 km of original registration

Windscreen cover

Yes - no excess for repairs. Option to reduce windscreen excess to $0 on every windscreen claim for an additional premium.

Personal property cover

Up to $1,000 if damaged or stolen.

Replacement key cover

Yes if stolen.

Baby capsule or child seat cover

Up to $2,000

Trailer or caravan cover

Up to $1,000

Modifications

Covered only if agreed in writing.

Emergency repairs

Up to $500

Emergency options

Reasonable towing costs. Up to $1,000 travel and accommodation costs if greater than 100 km from home.

Rental car after theft

Yes - Up to 14 days.

Rental car after accident

Not at fault - yes. At fault - Optional Extra. Up to 14 days.

Rental car liability

No

Legal liability cover

$20,000,000

Accidental death of driver

No

Young driver excess imposed

$600 for listed drivers under 25. $1,600 for unlisted drivers under 25

Rideshare cover

No

Other restrictions

-

Other benefits

-

Online discount

n/a

Multi-policy discount

-

No claim discount

Up to $100 off your basic excess for up to three years, for every year you dont make a claim

Low km discount

No

Terms, conditions, exclusions, limits and sub-limits may apply to any of the insurance products shown on the Mozo website. These terms, conditions, exclusions, limits and sub-limits could affect the level of benefits and cover available under any of the insurance products shown on the Mozo website. Please refer to the relevant Product Disclosure Statement and the Target Market Determination on the provider's website for further information before making any decisions about an insurance product.

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Customer reviews

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Cielo

Victoria - 3 months ago

0.5

Poor service

Do not be misled by the 5-star reviews. These reviews clearly haven’t been written by anyone who has actually had to make a claim. My experience with Stella Car Insurance has been nothing short of a nightmare, and I would strongly advise against choosing them. My crash claim has taken over a month to process due to an incredibly slow and disorganized process. They don't respond to emails, so I’m forced to keep calling them for updates, and even then, it takes a week for them to get back to me. They claim to offer 24/7 assistance, but that is a lie. After 5 PM, no one answers the phone, and it’s clear they are severely understaffed. There’s also a huge communication breakdown between their outsourced teams. One staff member arranged for a car hire and allowed us to pick up the car, but then another called and said the crash team wanted the hire car returned and a different one delivered. This constant back-and-forth was extremely confusing and unprofessional. To make things worse, the tow company lost some of our personal items from the car, and instead of helping us resolve the situation, Stella asked us to provide photos to prove that we had the items inside the car. It was a completely unreasonable request and made an already stressful situation even worse. Stella might seem like a cheap option, but it is far more stressful than it’s worth. Don't wait for an issue to arise—go with a more reliable insurance provider. The reviews that rave about them clearly haven’t experienced the reality of dealing with a claim.

Service

0.5
Convenience

0.5
Trust

0.5

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Disclaimer

Important information on terms, conditions and sub-limits

Terms, conditions, exclusions, limits and sub-limits may apply to any of the insurance products shown on the Mozo website. These terms, conditions, exclusions, limits and sub-limits could affect the level of benefits and cover available under any of the insurance products shown on the Mozo website. Please refer to the relevant Product Disclosure Statement and the Target Market Determination on the provider's website for further information before making any decisions about an insurance product.

Stella car insurance

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