An Insurance Rate That's Flexible to Fit Your Needs

Your insurance rate doesn't come under a one-size-fits-all arrangement and ultimately depends on the information you supply coupled with the level of policy and options you choose.

Car Insurance Options

Choices that affect your car insurance rate include choosing between our top-level Prestige or extensive Classic cover, between Comprehensive, Third Party, Fire and Theft or Third Party Only, and choosing options such as accidental windscreen and glass damage, agreed or market value, and the restricted driver option.

By housing your vehicle overnight in a locked garage or secured area and fitting security devices will reduce your car insurance rate, and of course the make, model and age of your vehicle will also impact on your premium.

Home Insurance Options

1Cover home and contents insurance offers three levels of cover - Vital which provides you with exception coverage to protect your most valuable investment as well as the furniture and special items and special touches that make your home a treasured place. Classic and Prestige are the next level up offering higher levels of compensation.

The value of your home, whether it is owner occupied or a rental investment, whether security locks and deadlocks are fitted as well as the construction, such as weatherboard or brick veneer, all influence your final home insurance rate.

Travel Insurance Options

Travel insurance offers a wide range of choice, everything from fully comprehensive cover to medical only, single to family or group travel, business trips to winter wonderland getaways in the snow and each option comes with a different rate.

Insurance rates can also be affected by the area or areas you'll be travelling through. Travelling closer to home in the Southeast Asia or South Pacific Island region or across the Tasman to New Zealand will be cheaper than to the USA and Canada due to the difference in cost of hospital care and evacuation back to Australia.

Life Insurance Options

At 1Cover we offer life insurance up to $500,000 online without a medical assessment, plus you can choose terminal illness and accidental injury, resulting in permanent inability to work, to provide financial assistance during a time of great stress for you and your family and to allow you lifestyle choices.

Your insurance rate will depend on the level of cover you decide to take out as well as your age at the time you commence your policy. All policies come with guaranteed benefit increase and are indexed to inflation.