Carl Makes It Easy for Aussies to Find the Right Car Insurance.
Let us connect you with a licensed insurance provider without unhelpful comparison tools, 23 tabs open, and spam from call centres.
Takes less than 60 seconds. No impact to your current policy. Not financial advice. Referral recommendations are general in nature and based on your answers.
Carl Makes It Easy for Aussies to Find the Right Car Insurance.
Carl will connect you with a licensed insurance provider... Without unhelpful comparison tools, 23 tabs open, and spam from call centres.
Takes less than 60 seconds. No impact to your current policy. Not financial advice. Referral recommendations are general in nature and based on your answers.
Cut Through the BS
At Covered by Carl, we help everyday Aussies cut through the confusion and get in touch with real, licensed experts.
No spam. No call centres. No pressure. Just a clear path to professional help.
- Simple
- Fast
- No Pressure
- 100% Safe & Free
- Simple
- Fast
- No Pressure
- 100% Safe & Free
How It Works
Answer a Few Quick Questions
We'll ask some simple, everyday questions to understand what you need, and what you don’t.
Connect With a Licensed Professional
You’ll speak with a real, licensed Australian insurance provider who knows the rules and helps you make a confident decision.
Fully Licensed Providers Only
Every provider we refer you to holds an Australian Financial Services Licence (AFSL) and is registered with ASIC.
Finalise Your Cover (If You Choose To)
If you're happy with an option presented to you, your provider will guide you through next steps, and always on your terms.
Why Choose Carl?
No More Confusion
Forget online comparison tools that make you do all the work. Carl connects you to a real expert who handles it for you.
Fully Licensed Providers Only
Every provider we partner with holds an Australian Financial Services Licence (AFSL) and is registered with ASIC.
Zero Cost to You
Our service is free to use. If you choose to go ahead and speak with a provider, we may receive a referral fee, at no cost to you.
Human Support
No call centres. No spam. No endless calls from unknown numbers. Just a real Aussie ready to help you get sorted.
Get the Auto Insurance You Deserve
Who Is This Carl Guy, Anyway?
Let’s be honest…
Most car insurance comparison sites feel like they were built by a spreadsheet.
You click one ad, and suddenly you’re juggling 17 tabs, dodging spam calls from “No Caller ID,” and trying to decode fine print that might as well be written in Latin.
We got sick of that. So we built Carl.
Carl’s not a bot. He’s not a call centre. And he’s definitely not one of those platforms that sells your info to 12 companies and calls it a “free service.”
He’s just a mate who connects you with a real, licensed Aussie expert. Someone who actually listens, explains your options, and helps you get sorted.
Carl exists for people who want clarity, not chaos. Without hard selling, without trick questions, and without pressure.
Frequently Asked Questions
What is Covered by Carl?
Covered by Carl is a marketing platform that connects Australians with licensed car insurance providers.
We’re not an insurer or broker ourselves. Instead, we help you skip the overwhelm of comparison tools by putting you directly in touch with licensed professionals who can help.
Do you provide car insurance?
No. We don’t provide car insurance or financial advice.
We simply connect you with providers who hold an Australian Financial Services Licence (AFSL) and are registered with ASIC.
Is this service free?
Yes. Covered by Carl is 100% free to use.
If you choose to go ahead and speak with a provider we refer you to, they may pay us a referral fee. This never affects the price you pay and there’s no obligation to proceed.
How do you choose which providers to refer me to?
We only work with licensed, compliant providers who we’ve established referral partnerships with.
Each one holds an AFSL and complies with all relevant Australian laws and regulations. We may match you based on factors like your location, needs, and availability.
Will I get multiple calls?
Nope. Only one licensed provider will contact you.
We don’t sell your details to multiple companies. You’ll hear from a single, matched provider who can answer your questions and help you move forward. No spam, no pressure.
What types of insurance do your partners offer?
Our referral partners can assist with a wide range of personal car insurance options, including:
Comprehensive cover
Third party fire and theft
Third party property damage
Policies for full license and P-plate drivers
Some may also assist with business-use vehicles
Final offerings will vary depending on the provider you’re matched with.
How fast will I hear from someone?
Usually within a few hours during business hours.
If you submit your details outside business hours, you’ll typically be contacted the next business day.
Am I obligated to purchase anything?
No. There’s absolutely no obligation.
You’re free to explore your options and walk away at any time. Our goal is to give you access to someone who can help you make an informed decision on whether or not you move forward.
Is my personal information safe?
Yes. We take data privacy extremely seriously.
When you submit your details, we securely pass them to a single Australian provider who holds an Australian Financial Services Licence (AFSL).
We don’t share your information with multiple companies, and we never spam you.
Your data is handled in accordance with our Privacy Policy and is only used to connect you with someone who can assist.
We comply with the Australian Consumer Law, the Privacy Act 1988, and all applicable regulations.
Covered by Carl is a marketing platform that connects Australian consumers with licensed insurance professionals.
We are not an insurance provider or broker and do not provide financial product advice. Any information provided on this website is general in nature and does not take into account your personal objectives, financial situation, or needs.
You should consider whether any product is appropriate for your circumstances and read the relevant Product Disclosure Statement (PDS) before making any decisions.
We only refer to Australian Financial Services Licence (AFSL) holders who are registered with the Australian Securities and Investments Commission (ASIC). If you choose to proceed with one of our partners, we may receive a referral fee. This is at no cost to you.
© 2025 Covered by Carl. All rights reserved.
6365 Rue Marquette, Montreal, QC, Canada H2G 2Y3
Operated by Jeremy Essers, a Canadian registered company, and a proud Aussie.