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Why Choose 1Cover Car Insurance? 


1 Million Customers

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


Agreed Or Market Value

1Cover will allow you to adjust the value of your car to an agreed value to keep your premiums low.^ 


Lifetime Guarantee

1Cover offers a lifetime guarantee on all car insurance policies on authorised repairs to your vehicle for as long as you own the car.^

Choose The Right Policy To Suit You



Gold Comprehensive is our highest level of cover. Get a quote in under 5 minutes.


Standard Comprehensive 

Standard Comprehensive policies feature extensive cover at a very competitive price. 

Third Party

 Third Party Fire & Theft 

Get a little extra cover with a Third Party Fire and Theft policy, without the price tag. 


 Third Party

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

Cover Summary

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

  • 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. 


  • Are There Different Ways I Can Adjust My Car Insurance Premium?
  • 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 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. 


  • 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 five business days of the purchase date or you can download them online once you complete the purchase transaction. 


  • What Are The Benefits Of Purchasing Car Insurance 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. You also don't have to sign any forms or fill out any paperwork. You can also save 10% on your car insurance when you purchase online.


  • How Can I Pay For My Car Insurance Securely Online, And Is This Safe?
  • You can pay for your car insurance online using either a Visa or Mastercard. To protect your privacy when you purchase car insurance online, an SSL certificate from Verisign is used. This Verisign certificate confirms that the transaction for the insurance policy has been authenticated and verified, with all sensitive data safely encrypted.


  • How Long Does It Take To Get Car Insurance?
  • Not long at all! If you have all the vehicle and driver details handy, it's literally just a matter of minutes either online, or over the phone with a consultant assisting you. 


  • What If I Have To Make A Car Insurance Claim?
  • You can do so from anywhere in Australia by contacting the Claims hotline. There is no paperwork to fill out, all you have to do is give us a call, and we will start the claims process. To assist us in processing your claim as quickly as possible, please have your policy number, insurance details and your vehicle details handy too. To speak to a 1Cover consultant call 1300 715 914. 


  • How Can I Purchase A Car Insurance Policy?
  • 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 9am until 6pm (AEST).


  • Who Underwrites The Car Insurance For 1Cover
  • 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 we will pay 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
  • 1Cover car insurance offers cover for legal costs ($20 million), substitute vehicle and uninsured motorist damage. Following the event of fire or theft, we will pay for the towing costs for your vehicle, trying to make things as stress free as possible for you. 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

If you have any questions about your car insurance policy or would like to purchase over the phone please call 1300 715 914.

Make A Claim

Make A Claim

To make a car insurance claim, simply call 1300 885 996 with your claim details and the friendly customer service staff will guide you through the process.




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*Discounts apply to the premium paid for a new 1Cover Insurance policy initiated online on or after 30 March 2017. The discount applies to Gold Comprehensive, Third Party Property and Third Party Fire & Theft Car Insurance. We reserve the right to change the offer without notice. Base rate premiums subject to change. The discount does not apply to any renewal offer of 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.