High quality car insurance cover that rewards smart choices and good driving. Because the insurer makes smart choices about who to insure, you don't pay for higher risk drivers.

1Cover Car Insurance has the cover features you'd expect of a leading insurer, and it also offers insurance choices that really put you in the driver's seat. The policy choices give you a range of options to reduce your premium or add to your cover. For example, by using the variable Excess feature you can choose to increase your excess to reduce your car insurance premium even further – another example of 1Cover tailored policies is the option to restrict the age of the youngest driver on your policy to 25, 30 or 40 years old. This level of personalised policy helps you drive the cost of your car insurance even lower.

We've all got different priorities when it comes to car insurance - which is why 1Cover policies have been developed to offer a range of flexible options so you can reduce or adjust your car insurance premium to suit your own individual priorities and maximise savings.

You can choose to insure your car for its current market value or for an alternative amount agreed on by you and the insurer.

Maximum No Claim Discount Protection entitles you to make 1 claim during your current insurance period or 2 claims in a three-year period without affecting your Maximum No Claim Discount (Rating 1).

Choose to reduce your windscreen excess by varying your premium.

You can choose to restrict the age of the drivers of your vehicle to receive a lower insurance premium. 1Cover lets you restrict the youngest drivers age to 25, 30 or 40 years of age, once again helping you tailor your motor vehicle insurance policy to your specific circumstances to help you reduce your premium.

With 1Cover's variable excess function you can vary the amount of excess you pay in the event of a car insurance claim to reduce your insurance premium. It's completely up to you. At the end of an online quote use the Policy Excess drop down box to vary your excess level to reduce or raise your premium. If you're doing a phone quote ask the 1Cover representative about the variable excess options.

For peace of mind, you can also choose to take out A P Fleet Breakdown Recovery cover.

1Cover's premiums are highly competitive but the benefits of a 1Cover Car Insurance policy don't stop there. There's a 21-day Money Back Guarantee * on all car insurance policies, a completely paperless application and claims system, annual or monthly payment options, market or agreed value policies, the freedom to nominate your preferred repairer and 24-hour car insurance quote and purchase online. For those who prefer to use the telephone, call centre hours are 8am-8pm Monday to Friday and 8am-5pm Saturday EST.

Good drivers make good choices. If you're a good driver, you're less of a risk for the insurer, so we can offer you a lower car insurance premium. That's the bottom line.

But it's not just about low premiums - our car insurance backs that up with smarter policies and gives you access to high quality claims service and other rewards that really make a difference.

Our insurer is expert at recognising good drivers and has developed one of the industry's most sophisticated assessment and underwriting systems, which allows them to pinpoint risk more accurately and give good drivers the lower vehicle insurance premiums they deserve.

If you're a good driver you'll be amazed at how much you could save on your car insurance.

The 1Cover Car Insurance call centre offers helpful and candid customer service focused on providing a high quality, efficient and stress-free experience.

At 1Cover, we think if you're the driver, you should be in the driver's seat - which is why we put you in control when it comes to buying your car insurance. When you buy 1Cover car insurance, you benefit from a 21-day Money Back Guarantee* on all car insurance policies, a completely paperless application and claims system, monthly or annual payment options and a 24-hour online car insurance quote and purchase service or the option to quote and buy over the phone.

* If you cancel the policy within 21 days from the date of purchase and do not make a claim on the policy, we will give you a full refund.

** Terms & Conditions apply. Please read the 1Cover Car Insurance Product Disclosure Statement for full terms and conditions.

If you are not completely satisfied with 1Cover Car Insurance, you can cancel your policy within 21 days of purchasing it provided you haven't made a claim and we'll refund the premium. That's how confident we are about the quality and price of our car insurance.

We offer a completely paperless system which means you'll never waste time filling in complicated insurance paperwork.

With 1Cover car insurance, in most cases you can make car insurance claim requests over the phone. You can also nominate your own preferred repairer, just another example of our understanding approach to claims.

Don't have time to call? With 1Cover car insurance you can get an online quote in about 4 minutes and purchase securely over the internet, 24-hours a day, 7 days a week.

To purchase a policy securely online complete the online car insurance quote. Once the quote is complete simply follow the 'How to apply online' instructions. Our online quote and purchase system is secure, convenient and simple to use.

Our policies also give you the option to choose a car insurance payment system that suits your individual needs and cash-flow requirements. You can choose between a lump sum annual payment or monthly installment system.