Ozicare car insurance

Like most memberships, payments can be done through credit card or periodically through direct debit. There is also an incentive to paying for your insurance policy annually as opposed to monthly.

Ozicare car insurance does cover drivers under 25 years old. However, if these drivers are behind the wheel when an accident happens, you could face additional excess payments on top of the basic excess.

To make a claim with Ozicare Insurance, you can call their dedicated car insurance line 24/7. You will need to provide some information about your incident, including:

• Details about any other vehicles and drivers involved
• Police reports
• Receipts for towing or repairs (if the insurer didn’t organise it on your behalf)
• Photos
• Witness statements
• Dashcam footage.

A basic excess payment will apply to most cases when you make a claim, unless you’re involved in a no-fault accident with another vehicle. You may find that additional excesses apply depending on the circumstances of the claim, including:

• Unlisted driver excess if the driver at the time of the incident wasn’t listed on the policy.
• Young driver excess if the driver at the time of the incident was under 25 years old.
• Inexperienced driver excess if the driver has not held a full or open Australian licence for two years or more.

To cancel your Ozicare car insurance policy, you will need to contact Ozicare Insurance over the phone. If you cancel your policy within 21 days of purchasing or renewing your insurance, you will receive a full refund (unless you’ve already made a claim).

If you cancel after the 21-day cooling-off period, you’ll receive a refund of any premium you have paid for the unused portion of your policy. You may also be charged a cancellation fee.

If you have a comprehensive car policy with Ozicare Insurance, you may be able to choose to insure your car for an agreed value. This means that you’ll know exactly what you’ll receive in a payout should your car be written off. The agreed value normally changes every time you renew your insurance policy.