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Oceania Car Insurance
Oceania Car Insurance
Written by
Kervin Mathew
Edited by
Ellie GarranCompare car insurance policies the easy way
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Long story short
Oceania Insurance is a digital-first insurer
It offers online support via their customer portal, live chat, WhatsApp, Messenger, and Apple Messages.
You get a lifetime guarantee on authorised repairs
Oceania Insurance policyholders get a lifetime guarantee on the quality of all authorised repairs for as long as they own the car.
Comprehensive cover comes with smart extras
It includes new car replacement, hire car cover after theft, and an optional reduced window glass excess of $40.
Claiming is easy and hassle-free
Lodge and manage claims entirely online. You can expect an initial response within two business days and regular SMS updates on your claim status.
Your policy coverage moves with you
Oceania Insurance covers your car if you are travelling across Australia, and their comprehensive cover includes up to $1,000 for emergency travel and accommodation if your car is undrivable.*
Who is Oceania Insurance?
Making their debut in 2021, Oceania Insurance is a relatively new operator with a fresh take on the insurance industry. The team at Oceania Insurance believe that life should be about enjoying its best moments, and not about spending time on hold with customer service.
So, Oceania Insurance decided to adopt a digital first approach. The insurer uses live chat and online support to bring efficiency and convenience to their customer service.
Oceania Insurance is backed by Auto & General, who has been meeting the insurance needs of more than a million Aussies since 2000.
What are some of the benefits of insuring with Oceania Insurance?
Oceania Insurance combines the ease of online access with simple yet solid car insurance to offer a range of benefits.
Repairs guaranteed for life
All authorised repairs are guaranteed for life (as long as you own the car).
Multi-platform support
You can access Oceania Insurance’s customer service via live chat on everyday messaging platforms such as WhatsApp, Messenger, and Apple Messages.
Find answers 24/7
No matter what time of day, Oceania’s online systems can support you through managing and renewing your policy or making a claim.
Flexible payment options
You get the benefit of choosing to pay your premiums fortnightly, monthly, or annually – whatever suits your lifestyle and budget.
What car insurance policies does Oceania Insurance offer?
Oceania Insurance offers the typical trio of car insurance policies dressed up in the insurer’s overarching ‘digital first’ theme.
Digital First Comprehensive
The most popular level of car insurance among Oceania Insurance’s customers, comprehensive offers the highest level of cover, including loss or damage to your car and new car replacement if your car becomes a total loss within two years or 40,000km (whichever comes first) of the original registration. With Oceania Insurance’s comprehensive cover, you have the option to pay a higher excess to reduce your premium and can even add-on optional extras like reduced window glass excess.
Digital First Third-Party Property, Fire, and Theft
With Oceania Insurance’s third party property, fire and theft cover, you’ll be covered if you cause damage to another person’s property, including their car. Plus, if your car is damaged by fire or is stolen, you’ll be covered for the cost of repairs or replacement, towing and up to $1,500 for a hire car following theft.
Digital First Third-Party Property Only
If your car causes accidental damage to someone else’s car or property, you’ll be covered for up to $20 million for legal liability with Oceania Insurance’s third party property insurance.
While these details provide a snapshot of the different levels of cover Oceania Insurance offers, it’s always a good idea to read through the product disclosure statement (PDS) to understand what’s covered by your policy, as well as any general exclusions.
Helpful tip
If you’re involved in a crash with another driver, it’s important that you try to collect as much information about the incident as you can – photos, location and the other driver’s details (including their driver’s licence and number plate). When you make your claim, these details can help Oceania Insurance determine whether or not you’re at fault.
Frequently asked questions
Will Oceania Insurance cover me anywhere in Australia?
Yes. You can get Oceania Insurance to cover you and your car regardless of where you live in Australia. Oceania Insurance’s comprehensive policy will pay you up to $1,000 if your caravan or trailer, while attached to the insured car, is damaged in a collision. If your comprehensively insured car is damaged and undriveable, you are covered for emergency transportation and accommodation costs. Terms, conditions, limits and exclusions apply. See PDS for details.
How do excesses work with Oceania Insurance?
An excess is an amount you agree to pay your insurer if you need to make a claim. With Oceania Insurance’s comprehensive cover, you can adjust your excess amount. If you can afford to pay a higher excess in the event of a claim, you will enjoy lower premiums in return.
With Oceania Insurance, like many other insurers, you may need to pay a basic excess for any claims that you make – except when you’re involved in a no fault accident*. Additional excesses may apply if your car is involved in an accident while being driven by a person who:
- is not listed driver on your policy
- is under 25 years of age
- has not held a full or open Australian licence for two or more years.
You’ll even come across reduced window glass excess option with Oceania Insurance’s comprehensive car cover.
*An accident where, given all available evidence, it is reasonable for Oceania to decide the driver of another vehicle, or another person, is entirely at fault, and you tell them, or they can obtain, their full name, residential address and vehicle registration number.
How do I make a claim on my Oceania Insurance policy?
Too easy! If you’re involved in an accident and need to make a claim, all you’ll need is a computer or mobile device, a steady internet connection, and you’re good to go.
Here’s how a making a claim would typically play out with Oceania:
- Make contact – Get on to the Policy Manager portal or contact an Oceania Insurance team member via their website.
- Q&A time – You’ll then need to answer a few questions that will help set things up.
- Book in repairs – You’ll be able to book a date and time with a repairer.
- Claim received – Oceania Insurance will send you an SMS letting you know that your claim is officially lodged.
- Pay your excess – Now it’s time to pay your agreed excess. You can do this either by debit or credit card and you’ll get payment confirmation via SMS.
- Claim review – In about two business days, Oceania Insurance will let you know how your claim is going and if they need more details.
- Claim accepted – Oceania Insurance will be in touch to let you know what happens next.
Can I access my Oceania Insurance account online?
Using the Oceania Insurance’s online Policy Manager, you’ll be able to access your account in a jiffy and get support, lodge a claim, and much more.
Here are some other tasks you can perform using Oceania’s Policy Manager:
- View or edit policy details
- Request to resend policy documents
- Postpone your payment date by up to 14 days
- Cancel your policy
How do I pay for my Oceania Insurance policy?
Oceania Insurance has flexible payment options. You can pay your premiums using your Visa, Master Card, or Amex card, or via Direct Debit. Oceania Insurance also has processes in place to support customers experiencing financial hardship or domestic and family violence.
Find and compare plans
Looking for car insurance that gives you peace of mind at a competitive price? Try iSelect’s comparison tool to explore car insurance policies from Oceania Insurance and our range of other providers.
*Refer to the Product Disclosure Statement (PDS) and Target Market Determination (TMD) for full terms and conditions.
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