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 Budget Direct Insurance
Owned By: Over Fifty Group Limited (ASX Code: OFG) Underwritten By: Allianz Australia Insurance Limited (S&P rating: AA-)

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Dating back to their beginnings in 1980, the Over Fifty Group have continually provided financial solutions to the over 50s community. They have achieved this under a number of brands; The Over 50's Friendly Society then Over 50s Mutual Friendly Society, then OFM Investment Group and more recently Over Fifty Group.

Whether you are over fifty, a senior or a pensioner, Over Fifty Insurance has been designed to protect your car and most importantly you. Our experience in providing insurance for people aged 50 and over shows them that on average our customers claims costs are lower than homeowners aged under 50. At Over Fifty insurance, they aim to reflect this in your premium.

Source: Over Fifty Group

Comprehensive Over Fifty Prestige
Owned by:
Over Fifty Group Limited (ASX Code: OFG)
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:
$500
Emergency Accommodation &/or Transport:
$800 (split b/w transport & accom)
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:
$1000
Relacement Keys:
$1000
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 (Fire & Theft) Motor
Owned by:
Over Fifty Group Limited (ASX Code: OFG)
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:
$4000
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:
Over Fifty Group Limited (ASX Code: OFG)
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:
$4000
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
Not at fault claims
No Excess
Basic Excess
$500
Variable Excess
Yes
<25 years old
$500
Remove Excess
No
Licensed <2 years
$500
Theft Excess
Yes
Not Nominated
Nominated Driver policy only - excess is $5,000
Years to Rating 1
5 years
<25 & Not Nominated
$900
Window & Glass
Optional (1 free)
No Claims Discount (ncd)
Rating 2
TAS: 60%, SA/VIC: 55%, NSW/WA/QLD: 50%
Window & Glass
No change if not at fault
Rating 3
TAS: 50%, SA/VIC: 45%, NSW/WA/QLD: 40%
Not your Fault (no-fault)
No change if not at fault
Rating 4
TAS: 40%, VIC: 35%, SA: 33%, NSW/WA/QLD: 30%
Your Fault (at-fault)
downgrade NCD if you don't hold NCD protection
Rating 5
TAS: 30%, VIC: 25%, SA/NSW/WA/QLD: 20%
Lifetime rating 1
No
Rating 6
Zero (0%)
NCD Protection
Optional (rating 1 only)
Rating 1
SA/VIC/TAS: 65%, NSW/WA/QLD: 60%