Please click on a question below to see the answer:

1. Who is 1Cover?
2. Who underwrites the car insurance for 1Cover?
3. How can I purchase a car insurance policy?
4. Is it safe to purchase car insurance online?
5. What if I have to make a car insurance claim?
6. What are the best ways I can save money on my car insurance?
7. How long does it take to get car insurance?
8. How can I pay for my car insurance securely online?
9. What are the benefits of purchasing car insurance securely online?
10. If I purchase car insurance securely online from 1Cover when will my insurance start?
11. Are there different ways I can adjust my car insurance premium?
12. What benefits should I seek out when choosing a motor vehicle insurer?
13. What is the difference between a vehicle's agreed and market value?
14. What is the difference between the following types of car insurance Comprehensive, Third Party Fire and Theft and Third Party Property Damage?
15. What personal effects are associated with car insurance?
16. What is a No Claim Discount (NCD) and how does it affect car insurance premiums?
17. What is the difference between a Rating 1, No Claim Discount and No Claim Bonus?
18. Will I lose my NCD if I have a car accident?
19. 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.

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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

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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 8am until 6pm (AEST).

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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.

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If you need to make a car insurance claim call 1300 126 837 and a claims consultant will help you to 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.

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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 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.

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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.

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You can pay for your car insurance online using either a Visa or Mastercard credit card.

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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.

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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.

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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 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

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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, 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).

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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 www.glassguide.com.au.

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.

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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.

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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).

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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.

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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.

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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.

However, you will not lose any NCD on renewal 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.

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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.

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