Please click on a question below to see the answer:
- Who is 1Cover?
- Who underwrites the car insurance for 1Cover?
- How can I purchase a car insurance policy?
- Is it safe to purchase car insurance online?
- What if I have to make a car insurance claim?
- What are the best ways I can save money on my car insurance?
- How long does it take to get car insurance?
- How can I pay for my car insurance securely online?
- What are the benefits of purchasing car insurance securely online?
- If I purchase car insurance securely online from 1Cover when will my insurance start?
- Are there different ways I can adjust my car insurance premium?
- What benefits should I seek out when choosing a motor vehicle insurer?
- What is the difference between a vehicle's agreed and market value?
- What is the difference between the following types of car insurance Comprehensive, Third Party Fire and Theft and Third Party Property Damage?
- What personal effects are associated with car insurance?
- What is a No Claim Bonus (NCB) and how does it affect car insurance premiums?
- Will I lose my NCD if I have a car accident?
- What happens if I don't provide full information about my driving record, past accidents or claims when I am asked?
1Cover Insurance is currently the online market leader for travel Insurance in Australia and New Zealand. Together with Allianz, we have expanded into the car insurance market in 2008, and are fast becoming a leading car insurance provider.
All of 1Cover's insurance policies are underwritten by Allianz Australia Insurance Limited, one of the country's largest general insurers. Allianz Australia is part of the Allianz group, one of the world's largest general insurance companies.
You can purchase our policies online. The online purchase process should take you about eight minutes to complete. You can also call one of our friendly call centre staff on 1300 1Cover (126837) to complete the process on the telephone. It costs exactly the same either way. Our call centre is open from 9am until 6pm (AEST).
Yes it is.
To protect your privacy when you purchase car insurance online, an SSL certificate from Verisign is used. This Verisign certificate confirms that the transaction for the insurance policy has been authenticated and verified, with all sensitive data safely encrypted.
You can do so from anywhere in Australia by contacting the Claims hotline. There is no paperwork to fill out, all you have to do is give us a call, and we will start the claims process. To assist us in processing your claim as quickly as possible, please have your policy number, insurance details and your vehicle details handy too.
To speak to a 1Cover consultant call 1300 126 837
Back to topThere are several ways you can make your premium more affordable. These include:
- Restricting drivers by age
- Increasing your excess
- Installing a combined alarm and immobiliser to reduce the risk of car theft
- Listing all potential drivers, and taking out the "Named Driver Option"
If you wish, you can spread the cost of your insurance by paying monthly instalments. This means that you are not paying for your insurance all in one payment. There is no financial penalty for doing it this way with us.
It's just another way 1Cover are making insurance easier for you.
If you wish, you can spread the cost of your insurance by paying monthly instalments. This means that you are not paying for your insurance all in one payment. There is no extra policy fee* with us.
Not long at all!
If you have all the vehicle and driver details handy, its literally just a matter of minutes either online, or over the phone with a consultant assisting you.
You can pay for your car insurance online using either a Visa or Mastercard credit card.
There are many benefits when purchasing insurance online; being able to take out insurance at a time that's suitable for you: 24 hours a day, 7 days a week. You also don't have to sign any forms, or fill out any paperwork.
Just like purchasing insurance over the phone, your insurance cover will begin on the date you request the cover to start. You will also receive your policy documents, via mail within five business days of the purchase date or you can download them online once you complete the purchase transaction.
When you buy 1Cover Car Insurance, you have the option to tailor your policy to help you get the right price. You can restrict drivers by age, which will reduce the level of perceived risk, therefore lowering the premium you need to pay. If you are a good driver and your vehicle insurer has all the right information and is evaluating your risk level effectively, you shouldn't have to pay exorbitant prices.
Other optional benefits include:
- Remove your windscreen excess
- Protect your No Claim Discount
Benefits, which could be important to you include:
- Lifetime guarantee on repairs, for as long as you own the vehicle
- Ability to nominate your preferred repairer
- Rating one for life option
- No forms to fill in, including application and claim forms
- 21 day money back guarantee, if you have not made any claim
Terms and conditions apply. (Please see our Product Disclosure Statement for details).
Market value is defined as 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 www.glassguide.com.au for more information.
Agreed value is the amount the insurer agrees to insure your vehicle for during each term of insurance. The value may change each time you renew the policy.
Please see the 1Cover car insurance Product Disclosure Statement for details.
Comprehensive vehicle insurance offers the broadest level of cover as it covers all damage to your vehicle, and subsequent third party damage or injuries. It is the complete insurance, to keep you at peace of mind.
With Third Party Fire and Theft cover, you will get Third Party Property cover below, plus cover for your own car if it is stolen or catches fire.
Third Party Property Damage is the narrowest level of cover we offer; it covers only your liability for damage caused by your vehicle to other people's property, plus a limited amount of cover for your vehicle if damaged in a not at fault accident with an uninsured vehicle.
Terms and conditions apply to each type of cover. For more details please see our Product Disclosure Statement for details.
Personal effects are your personal belongings that are in your car at the time of an accident.
With 1Cover Comprehensive Car Insurance, you will have cover for damage to your personal effects resulting from a collision involving your car. Limits do apply (Please see the 1Cover car insurance Product Disclosure Statement for details).
It is a discount on your car insurance premium. Your No Claim Bonus 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 should be rewarded from paying the full priced premium until it reaches the maximum discount (also known as Rating 1). This is because we believe you are less likely to make a claim than a less experienced driver.
You can protect your Rating 1 (maximum No Claims Bonus) by selecting our NCB protection option. This allows you to have 1 car insurance claim per 12-month period of having a 1Cover motor vehicle insurance policy, or up to 2 claims in 3 years without affecting the Rating 1.
However, you will not lose any NCB rating on renewal if the other vehicle in a collision is entirely at fault and the driver is identified to us. For other claims, your NCB may be reduced at renewal.
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, and/or your policy being cancelled.
