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ozinsure60
 Budget Direct Insurance
Owned By: 1Cover Pty Limited Underwritten By: Allianz Australia Insurance Limited (S&P rating: AA-)

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1Cover is an NSW based Insurance intermediary offering top quality insurance policies at some of the lowest rates in Australia. 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.

1Cover offers 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 is an innovative brand which also specialises in travel insurance.

Source: 1Cover

Comprehensive Motor
Owned by:
1Cover Pty Limited
Underwritten by:
Allianz Australia Insurance Limited (S&P rating: AA-)
Owner of Underwriter:
Allianz Group
Pay by the Month:
Yes
Cooling off period:
Cooling off period
24 Hour help line:
Yes
Sum Insured:
Market or Agreed (agreed not available for all vehicles)
NCB preserved - if at fault:
Only if you have NCD Protection
NCB preserved - if not at fault:
Yes
Rating 1 Protection:
Yes
Maximum No claim bonus:
65%
Uninsured Motorist Cover:
Full Cover
Maximum Claims for one event:
$20,000,000
Public liability cover available:
Yes
Death:
No
Legal Costs:
Yes (conditions)
Substitute Vehicle Cover:
3rd Party Property
Cover if driver not nominated:
yes (no cover if: restricted driver option is chosen and driver is
Ability to choose repairer:
Yes
Lifetime guarantee on repairs:
Yes
New Car Replacement:
2 years old
Essential Repairs:
$350
Emergency Accommodation &/or Transport:
$200 (transport)
Recovery, towing and storage after accident:
Yes
Accident Clean Up:
No
Personal effects covered in Collision &/or theft:
$500
Baby Captual & Child Seat:
No
Trailer cover available:
$500
Relacement Keys:
$500
Rental car following theft:
$75 per day (14 Days)
Rental car after accident:
Optional
Restricted Driver Discounts:
Yes
Windscreen Excess Reduction:
Yes
Variable excess to reduce premium:
Yes
Remove excess for a fee:
No
Third Party Property Motor
Owned by:
1Cover Pty Limited
Underwritten by:
Allianz Australia Insurance Limited (S&P rating: AA-)
Owner of Underwriter:
Allianz Group
Pay by the Month:
Yes
Cooling off period:
14 days
24 Hour help line:
Yes
Sum Insured:
Market
NCB preserved - if at fault:
NCB is for Comprehensive Only
NCB preserved - if not at fault:
NCB is for Comprehensive Only
Rating 1 Protection:
NCB is for Comprehensive Only
Maximum No claim bonus:
NCB is for Comprehensive Only
Uninsured Motorist Cover:
$3000
Maximum Claims for one event:
$20,000,000
Public liability cover available:
Yes
Death:
No
Legal Costs:
Yes (conditions)
Substitute Vehicle Cover:
3rd Party Property
Cover if driver not nominated:
yes (no cover if: restricted driver option is chosen and driver is
Ability to choose repairer:
Yes (uninsured motorist cover)
Lifetime guarantee on repairs:
Yes (uninsured motorist cover)
New Car Replacement:
No
Essential Repairs:
No
Emergency Accommodation &/or Transport:
No
Recovery, towing and storage after accident:
No
Accident Clean Up:
No
Personal effects covered in Collision &/or theft:
No
Baby Captual & Child Seat:
No
Trailer cover available:
No
Relacement Keys:
No
Rental car following theft:
No
Rental car after accident:
No
Restricted Driver Discounts:
No
Windscreen Excess Reduction:
No
Variable excess to reduce premium:
No
Remove excess for a fee:
No
Third Party Property (Fire & Theft) Motor
Owned by:
1Cover Pty Limited
Underwritten by:
Allianz Australia Insurance Limited (S&P rating: AA-)
Owner of Underwriter:
Allianz Group
Pay by the Month:
Yes
Cooling off period:
14 days
24 Hour help line:
Yes
Sum Insured:
Market (max $5000)
NCB preserved - if at fault:
NCB is for Comprehensive Only
NCB preserved - if not at fault:
NCB is for Comprehensive Only
Rating 1 Protection:
NCB is for Comprehensive Only
Maximum No claim bonus:
NCB is for Comprehensive Only
Uninsured Motorist Cover:
$3000
Maximum Claims for one event:
$20,000,000
Public liability cover available:
Yes
Death:
No
Legal Costs:
Yes (conditions)
Substitute Vehicle Cover:
3rd Party Property
Cover if driver not nominated:
yes (no cover if: restricted driver option is chosen and driver is
Ability to choose repairer:
Yes
Lifetime guarantee on repairs:
Yes
New Car Replacement:
No
Essential Repairs:
No
Emergency Accommodation &/or Transport:
No
Recovery, towing and storage after accident:
Yes
Accident Clean Up:
No
Personal effects covered in Collision &/or theft:
No
Baby Captual & Child Seat:
No
Trailer cover available:
No
Relacement Keys:
No
Rental car following theft:
No
Rental car after accident:
No
Restricted Driver Discounts:
No
Windscreen Excess Reduction:
No
Variable excess to reduce premium:
No
Remove excess for a fee:
No
Excess
Remove Excess
No
Basic Excess
TAS=$350, SA/WA: $400, VIC/QLD: $500, NSW: $600
Years to Rating 1
5 years
<21 years old
$700
21-25 years old
$500
Licensed <2 years
$300
Not Nominated
$500
Not at fault claims
No Excess
Variable Excess
Yes
No Claims Discount (ncd)
Window & Glass
No change
Not your Fault (no-fault)
No change
Your Fault (at-fault)
2 year reduction per claim
Lifetime rating 1
No
NCD Protection
Optional (rating 1 only)