Explore Car Insurance

Ozicare car insurance at a glance

  • Underwritten by Auto & General Insurance
  • Fortnightly, monthly and annual payment options.
  • 21-day cooling-off period
  • New car replacement with comprehensive cover

About Ozicare Insurance

Starting operations in 2001, Ozicare prides itself on providing its customers with hassle-free car insurance at a price that won’t break the bank. They believe that safer drivers in Australia should not have to pay high prices for cover. Ozicare can achieve this with policies underwritten by Auto & General Insurance.

Beyond car insurance, Ozicare Insurance also sells home and travel insurance.

Ozicare’s car insurance policies

Ozicare Insurance offers three different levels of cover: Comprehensive, Third Party Property, Fire and Theft and Third Party Property Only. The table below shows which policies cover what events, damages and expenses you could face with your car.

What’s covered?ComprehensiveThird Party Property, Fire and TheftThird Party Property Only
Accidental damage to your car✔ (fire and theft only)
Fire damage
Damage or loss to someone else’s property
New car replacement*✔(12 mths/20,000 km)
Damage to your car caused by an uninsured driver
Towing✔ (fire and theft only)
Hire car following no-fault accident
Hire car following theft✔$1,000 (up to 14 days)✔$1,000 (up to 14 days)
Emergency transport and accommodation
Baby capsules and personal effects
Damage to a trailer towed by the car
Essential repairs
Lost keys replacement
*Includes registration, compulsory third-party insurance and on-road costs.
To learn more about benefits and accurate inclusions for Ozicare car insurance policies, read the Product Disclosure Statement (PDS) and Target Market Determination (TMD).

Why choose Ozicare car insurance?

Many Australians choose Ozicare because they provide no-nonsense car insurance that gives customers peace of mind. Australians also choose Ozicare Insurance for the following extra reasons:

  • Restricted driver options to help lower premiums
  • Window glass excess reduction
  • No paper forms to fill-in
  • Multiple excess options, which can reduce your premiums
  • All authorised repairs are guaranteed for as long as you own the car
  • 24/7 claims over the phone or online.

Frequently asked questions

How can I pay for my Ozicare car insurance and is it cheaper to pay my premium annually?

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.

Does Ozicare car insurance cover under 25’s?

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.

How do I make a car insurance claim with Ozicare insurance?

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

What is the excess on Ozicare car insurance?

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.

How do I cancel my Ozicare car insurance?

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.

Can I choose to insure my car for an agreed value with Ozicare Insurance?

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.

Compare car insurance

Looking for a new policy or simply wanting to switch from your current one? We can help you to look for cover to suit you in just minutes.

By using our car insurance comparison service, you can compare policies from Ozicare Insurance, along with other reputable providers on our panel, with ease. Comparing a range of policies all in one place can save you time and help you weigh up coverage benefits, prices, extras, excesses and more.

See what we have to offer and compare today!

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