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ozinsure60
 Budget Direct Insurance
Owned By: Underwritten By: AAMI (Australian Associated Motor Insurers Limited)

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Established in 1995, Just Car Insurance is an authorised representative of, and fully underwritten by AAMI. Just Car was created to offer specialist insurance for young drivers, modified cars, high performance cars and imported cars. Just Car Insurance offers insurance cover totally tuned to younger drivers. They understand that being a young driver doesn't mean you're a bad driver. If you've made mistakes in the past, they understand that accidents do happen. So if you’re into cars, just got your license, first car or new car – Just Car could be just for you. Source: Just Car
Comprehensive Motor
Underwritten by:
AAMI (Australian Associated Motor Insurers Limited)
Pay by the Month:
Yes
Cooling off period:
14 days
24 Hour help line:
Yes
Sum Insured:
Agreed
NCB preserved - if at fault:
Only if you have NCB Protection
NCB preserved - if not at fault:
Yes (conditions)
Rating 1 Protection:
Optional
Maximum No claim bonus:
70%
Uninsured Motorist Cover:
Full Cover
Maximum Claims for one event:
$20,000,000
Public liability cover available:
Yes
Death:
No
Legal Costs:
Yes (defending claim only)
Substitute Vehicle Cover:
No
Cover if driver not nominated:
Yes (see excess)
Ability to choose repairer:
No
Lifetime guarantee on repairs:
Yes
New Car Replacement:
No
Essential Repairs:
No
Emergency Accommodation &/or Transport:
No
Recovery, towing and storage after accident:
Towing
Accident Clean Up:
No
Personal effects covered in Collision &/or theft:
$200 (clothing) $1000 ($500 max 1 item)
Baby Captual & Child Seat:
No
Trailer cover available:
Yes
Relacement Keys:
No
Rental car following theft:
14 days
Rental car after accident:
No
Restricted Driver Discounts:
No
Windscreen Excess Reduction:
No
Variable excess to reduce premium:
Yes
Remove excess for a fee:
No
Source:
online discount
Third Party Property Motor
Underwritten by:
AAMI (Australian Associated Motor Insurers Limited)
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:
N/A (only comprehensive)
NCB preserved - if not at fault:
N/A (only comprehensive)
Rating 1 Protection:
N/A (only comprehensive)
Maximum No claim bonus:
N/A (only comprehensive)
Uninsured Motorist Cover:
3000 but must get $1500 back from uninsured driver
Maximum Claims for one event:
$20,000,000
Public liability cover available:
Yes
Death:
No
Legal Costs:
Yes (defending claim only)
Substitute Vehicle Cover:
No
Cover if driver not nominated:
Yes (see excess)
Ability to choose repairer:
No
Lifetime guarantee on repairs:
Yes
New Car Replacement:
No
Essential Repairs:
No
Emergency Accommodation &/or Transport:
No
Recovery, towing and storage after accident:
Towing (uninsured motorist at fault)
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
Source:
Online Discount
Third Party Property (Fire & Theft) Motor
Underwritten by:
AAMI (Australian Associated Motor Insurers Limited)
Pay by the Month:
Yes
Cooling off period:
14 days
24 Hour help line:
Yes
Sum Insured:
Market (max $10000)
NCB preserved - if at fault:
N/A (only comprehensive)
NCB preserved - if not at fault:
N/A (only comprehensive)
Rating 1 Protection:
N/A (only comprehensive)
Maximum No claim bonus:
N/A (only comprehensive)
Uninsured Motorist Cover:
3000 but must get $1500 back from uninsured driver
Maximum Claims for one event:
$20,000,000
Public liability cover available:
Yes
Death:
No
Legal Costs:
Yes (defending claim only)
Substitute Vehicle Cover:
No
Cover if driver not nominated:
Yes (see excess)
Ability to choose repairer:
No
Lifetime guarantee on repairs:
Yes
New Car Replacement:
No
Essential Repairs:
No
Emergency Accommodation &/or Transport:
No
Recovery, towing and storage after accident:
Towing
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
Source:
Online Discount
Excess
Remove Excess
No
Basic Excess
TAS/SA/QLD: $400, WA: $450, VIC: $500, NSW: $600
Male 16-21
TAS: $400, NSW: $500, QLD: $600, SA/WA: $650, VIC: $700
Male 22-24
TAS: $300, QLD: $350, NSW: $400, SA: $550, VIC/WA: $600
Female 16-21
SA/TAS: $350, WA: $400, NSW: $450, QLD: $550, VIC: $550
Female 22-24
SA: $250, NSW/TAS/QLD: $300, NSW: $350, VIC: $550
Variable Excess
Yes (only comprehensive)
No Claims Discount (ncd)
Not your Fault (no-fault)
No change (conditions)
Your Fault (at-fault)
Downgrade NCD if you don't hold NCD protection
NCD Protection
Optional