car insurance


1Cover no longer offers car insurance to new customers...

...but our existing customers still enjoy the same great benefits 



1.5 Million Customers

1Cover has provided insurance to over 1 million customers. Founded in 2003, 1Cover has 10 years’ experience in insurance.



Reputable underwriters

Underwritten by Auto & General Insurance Company Limited, security and protection are assured.


Lifetime Guarantee

A lifetime guarantee on all car insurance policies on authorised repairs to your vehicle for as long as you own the car.^


Different policies, different cover



Gold Comprehensive is our highest level of cover. 


Standard Comprehensive 

Standard Comprehensive policies are our general level of cover. 

Third Party

 Third Party Fire & Theft 

Third Party Fire and Theft policy offers extra peace of mind. 


 Third Party

Get behind the wheel knowing you are covered with 1Cover’s Third Party Property Insurance.

Cover Summary for existing 1Cover car insurance

Features Gold
Third Party
Fire & Theft
Third Party

New Car Replacement

24 months/40,000 km

12 months


Emergency Transport & Overnight Accommodation

$100 per day
up to $850

$100 per day
up to $300


$1,000 Cover (Limit 14 Days) For Hire Vehicle Following Theft

Yes Yes Yes No

Lifetime Guarantee On Repairs For As Long As You Own The Car

Yes Yes Yes Yes

Security Device Discount (Approved System)

Yes Yes Yes No

Personal Effects Cover In The Event Of A Collision




Damage To A Trailer Or Caravan
Belonging To You In The Event Of A Collision


(Trailer Only)


Freedom To Nominate Your Preferred Repairer

Yes Yes Yes Yes

No Excess To Pay When Third Party Is Identified And At Fault

Yes Yes No No

No Claim Discount Preserved When Third Party Is Identified And At Fault

Yes Yes No No

$3,000 Cover For Uninsured Motorists Extension

No No Yes Yes

Lump Sum Or Instalment Payment



Yes Yes


Car Insurance FAQs

  • Why is 1Cover no longer selling Home & Contents and Motor Insurance?
  • 1Cover has made a strategic business decision to no longer offer Home and Motor Insurance, focusing instead on our core offerings.

  • What will happen to my existing 1Cover insurance from 6th June 2018?
  • Your existing 1Cover policy is underwritten by Auto & General Insurance Company Limited (“the Insurer”). Your policy and any claims will continue to be administered by Auto & General Services Pty Ltd (“Auto & General”) until it becomes due for renewal at the end of its 12 month cover period. At this time, if you wish to renew your policy, you will be transitioned to an Auto & General insurance policy. For more information on Auto & General please click here. 

  • Who is Auto & General?
  • Auto & General is regulated by APRA and is a member of the Insurance Council of Australia. The company is part of the international BHL Group of companies headquartered in the British Isles.  The group has been providing cover and service for over 35 years. Internationally the group administers more than 6.8 million policies and write in excess of $2 billion in premiums annually.  Auto & General has specialised in the sale, management and underwriting of insurance products in Australia since 2000. Auto & General insurance products include Car and Home & Contents. For more information on Auto & General please click here. 

  • Who should I contact to make changes or updates to my 1Cover policy from 6th june 2018?
  • Please contact Auto & General on 1300 858 747. Please note, you will no longer be able to purchase insurance from 1Cover after 6 June 2018.

  • 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.

  • 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. 

  • Can I Adjust My Car Insurance Premium?
  • You have the option to tailor your policy. 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. You can also remove the excess on your policy which will increase your premium, or increase the excess on your policy which will lower your premium. 

  • What If I Have To Make A Car Insurance Claim?
  • Please contact Auto & General on 1300 885 996. 

  • Who Underwrites 1Cover Car Insurance?
  • 1Cover Car Insurance policies are underwritten by Auto & General Insurance Company. Auto & General Insurance Company is an Australian incorporated general insurer that has a long-term commitment to the Australian marketplace.

  • What Does Third Party, Fire And Theft Car Insurance Cover?
  • Third party property damage fire and theft (TPFT) covers the insured's vehicle for loss of damage caused by fire or theft. TPFT cover will also pay the reasonable cost of recovery, towing and storage of the vehicle if it was unsafe to drive as a result of the damage. TPFT also covers the insured's legal liability for accidental loss or damage caused by the use of the car. The maximum amount that will be paid for the total of all liability claims against us arising from one event, is $20 million.

  • What Are The Benefits Of Third Party, Fire and Theft Coverage?
  • Legal costs ($20 million), substitute vehicle and uninsured motorist damage. Following the event of fire or theft, your towing costs will be paid. As far as protection goes, we will cover your damage up to $3000 or the market value of your car, whichever is lesser. 


More Info

Contact Us

Contact Us

Please call Auto & General on 1300 858 747. Please note, you will no longer be able to purchase insurance from 1Cover after 6 June 2018.

Make A Claim

Make A Claim

Please contact Auto & General on
1300 885 996. 




car insurance


^The above is a summary only, please refer to our product PDS for full terms and conditions.

1Cover General Insurance Pty Ltd (ACN 104 729 955 AR NO 269304) and 1Cover Pty Ltd (ACN 105 954 265 AR No 269304) (collectively known as 1Cover) are authorised representatives of Auto & General Services Pty Ltd (AGS) (AFSL 241 411, ACN 003 617 909). Auto & General Services arrange the Car and Home insurance on behalf of the insurer Auto & General Insurance Company Limited.  AGS pays 1Cover a commission which is a percentage of your premium. 1Cover acts as an agent for AGS not as your agent. Any advice here does not take into consideration your objectives, financial situation or needs, which you should consider before acting on our recommendations. You should read and consider the Product Disclosure Statement and Financial Service Guide (FSG) before deciding whether to acquire any product mentioned here. For further details see our FSG. Terms & Conditions apply.