- FAQ's
Please click on a question below to see the answer:
General questions
- Who is 1Cover?
- Why are your telephone conversations recorded?
- Is your call centre in Australia?
- Who is the underwriter for 1Cover's car insurance?
Car Insurance questions
- 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?
- Can I buy car insurance online?
- 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 are some of the factors, which contribute to why I have a different car insurance premium to my friends?
- 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 Discount (NCD) and how does it affect car insurance premiums?
- What is the difference between a Rating 1, No Claim Discount and No Claim Bonus?
- 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?
- I am having trouble purchasing securely online, what should I do?
General questions & answers
1. Who is 1Cover?
1Cover Insurance is an NSW based Insurance intermediary offering
top quality insurance policies at some of the lowest rates in Australia.
The market leader in online Travel Insurance, over 200,000 Australians have
used 1Cover Insurance and counting. Join the ever growing 1Cover
membership and get low cost insurance for all your needs.
1Cover Car Insurance Pty Ltd (ABN 85 104 729 955; AR No 313028) is an authorised representative of A&G Insurance Services Pty Ltd (ABN 61 003 617 909; AFSL 241411). The insurance policies are arranged by A&G Insurance Services on behalf of the insurer, Auto & General Insurance Company Limited (ABN 42 111 586 353; AFSL 285571).
A&G Insurance Services arranges the car insurance on behalf of the insurer and handles car insurance claims on behalf of the insurer. It also operates the 1Cover Car Insurance call centre.
2. Why are your telephone conversations recorded?
Telephone calls are recorded for a number of reasons. This is to allow you to avoid all the paperwork
you might otherwise encounter. It allows you to arrange the insurance immediately over the phone without
delay and helps to keep an accurate record of the information you submitted when you arranged your insurance.
It also allows the insurer to manage the claims process and to undertake service quality assessments which helps
to ensure the call centre operators are focussing on delivering you the best possible customer service.
3. Is your call centre in Australia?
As a 1Cover customer you will be pleased to know that you'll be assisted by friendly
car and home & contents insurance contact centre staff in a state-of-the-art call
centre facility located on the Sunshine Coast in Queensland, Australia.
4. Who is the underwriter for 1Cover's car insurance?
1Cover's car insurance policies are underwritten by Auto & General Insurance
Company Limited. Auto & General Insurance Company Limited is an Australian Insurer
authorised to conduct insurance business in Australia by the Australian Prudential
Regulatory Authority (APRA). Auto & General Insurance Company Limited is a
member of the Insurance Council of Australia and participates in the Insurance Code
of Practice.
Car Insurance questions & answers
1. How can I purchase a car insurance policy?
You have three options to choose from when purchasing 1Cover car insurance:
- Quote and then buy 24 hours a day, 7 days a week, securely online
- Complete a quote online then simply call one of the helpful consultants on the number provided at the end of the quote to complete the purchase of your policy
- Call a helpful consultant on 1800 010 795 to get a quote and purchase over the phone
To purchase a policy securely online click here and complete an online quote. Once the quote is complete simply follow the 'How to apply online' instructions. Purchasing insurance online with 1Cover is easy and available 24 hours a day! The online quote and purchase system is secure, convenient and simple to use.
To get an online quote and then purchase over the phone click here. To purchase the policy please call the 1800 number provided at the end of the online quote process. Make sure you have the quote reference number given when getting the online quote when you call. The call centre is open Monday to Friday between 8.00am and 8.00pm (EST) and Saturday 8.00am to 2.00pm (EST).
If you wish to take out a 1Cover car insurance policy over the phone, call a friendly consultant on 1800 010 075 and let them take you through the quote and purchase process. With 1Cover Car Insurance there are no forms to fill in - even if you make a claim. The call centre is open Monday to Friday between 8.00am and 8.00pm (EST) and Saturday 8.00am to 2.00pm (EST)
2. Is it safe to purchase car insurance online?
To protect your confidential data when you purchase car insurance online, an SSL certificate
from Verisign will be used. This Verisign certificate confirms that the webpages for transacting the insurance
have been authenticated and verified and sensitive data is safely encrypted.
3. What if I have to make a car insurance claim?
If you need to make a car insurance claim call 1300 885 996 and a claims
consultant will help you get back on the road as soon as possible.
In most cases you will be able to deal with any car insurance claims requests over the phone. The insurer aims to have all claims processed promptly to avoid any inconvenience.
4. What are the best ways I can save money on my car insurance?
There are several ways to make your premium more affordable. These include: restricting
drivers by age, increasing your excess, and by installing a combined alarm and
immobiliser to reduce the risk of car theft.
If you wish, you can spread the cost of your insurance by paying by monthly instalments. This means you are not paying for your insurance all in one payment.
5. How long does it take to get car insurance?
In most cases you can be insured in one easy online session or phone call. You should
have at hand details of your car and driving record and it won't take long at all.
You can be insured the day you go online or call and take out a policy, or you can
choose a later date for your cover to begin.
6. Can I buy car insurance online?
Yes you can. To find out how click here.
7. How can I pay for my car insurance securely online?
You can pay for your car insurance online using either a Visa or Mastercard credit card.
8. What are the benefits of purchasing car insurance securely online?
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
- Don't have to sign any forms - ever
- Purchasing car insurance online can be up to 20% faster than doing it over the phone
9. If I purchase car insurance securely online from 1Cover when will my insurance start?
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 5 business days of the purchase date.
10. Are there different ways I can adjust my car insurance premium?
When you buy 1Cover Car Insurance, you have the option of tailoring 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 car 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:
- Reduce your windscreen excess.
- Protect your No Claim Discount
11. What benefits should I seek out when choosing a motor vehicle insurer?
Benefits, which could be important to you include:
- Lifetime guarantee on repairs for as long as you own the vehicle
- Nominate your preferred repairer
- Rating one for life option
- No forms to fill in ever, including application and claim forms
- 21 day money back guarantee if you cancel your policy and have not made a claim
Terms and conditions apply. (Please see our Product Disclosure Statement for details).
12. What are some of the factors, which contribute to why I have a different car insurance premium to my friends?
Car insurance premiums are calculated based on the level of 'risk' the insurance
underwriters associate with you and your car. So simple factors that differentiate
you and someone else contribute to the assessment of 'risk'.
Risk is primarily affected by the make and model of the car, the age of the driver's and the driver's history, as well as residence. For example, not all insurers treat each suburb the same. In addition where you park the car at night will often affect your premium.
Your driving history and the frequency of claims are also considered carefully.
The insurer's underwriting is more comprehensive than most other car insurers, which allows us to offer more competitive rates to Australian drivers.
13. What is the difference between a vehicle's agreed and market value?
Market value is 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 for your car on Redbooks website.
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.
14. What is the difference between the following types of car insurance Comprehensive, Third Party Fire and Theft and Third Party Property Damage?
Comprehensive offers the broadest level of cover as it covers damage caused by
the car to other people's property, plus cover for to the car up to the value
you insure it for.
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 the car to other people's property, plus a limited amount of cover for the car if damaged in a no 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.
15. What personal effects are associated with car insurance?
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).
16. What is a No Claim Discount (NCD) and how does it affect car insurance premiums?
It is a discount on your car insurance premium. Your No Claim Discount 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 receive a
discount from the full priced premium until it reaches a 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.
17. What is the difference between a Rating 1, No Claim Discount and No Claim Bonus?
They are different terms for a scale that insurers use to rank your driving
history and risk. Rating 1, NCD and NCB, all refer to a discount that is applied
to the full premium.
18. Will I lose my NCD if I have a car accident?
You can protect your Rating 1 (maximum No Claims Discount) by selecting our
NCD protection option. This allows you to have 1 car insurance claim per
12-month period of having a 1Cover car insurance policy, or up to 2 claims in 3
years without affecting the Rating 1.
If you have NCD protection while holding your 1Cover Car Insurance policy for 2 consecutive claim free years, you will qualify for a Rating 1 for life. (Which means all car insurance claims have no effect on your NCD for as long as you have NCD protection). However, you will not lose any NCD on renewal following a window glass claim, or if the other vehicle in a collision is entirely at fault and the driver is identified to us. For other claims, your NCD may be reduced at renewal.
19. What happens if I don't provide full information about my driving record, past accidents or claims when I am asked?
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.
20. I am having trouble purchasing securely online, what should I do?
If you are having trouble purchasing online please call 1800 010 795 with your quote
reference number to hand and our friendly call staff will be able to help.
The 1cover car insurance call centre is open Monday to Friday between 8.00am and 8.00pm (EST) and Saturday 8.00am to 2.00pm (EST).
