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Ozicare Car Insurance
Ozicare Car Insurance
Written by
Kervin Mathew
Edited by
Laura CrowdenCompare car insurance policies the easy way
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Long story short
For your peace of mind
Ozicare Insurance offers protection from accidents, theft, fire, severe weather or malicious acts, while being easier on the pocket.
Tailor your policy to fit your needs
You can opt to restrict younger drivers, lower your windscreen excess or choose your preferred repairer.
Lifetime guarantee on approved repairs
Any repairs authorised by Ozicare Insurance are guaranteed for as long as you own the car, regardless of the level of cover.
Who is Ozicare Insurance?
Ozicare Insurance is a Queensland-based insurance provider committed to taking some of the stress out of insuring your car by providing good-value car insurance at pocket-friendly prices.
Ozicare’s policies are underwritten by Auto & General Insurance Company, who are regulated by the Australian Prudential Regulation Authority (APRA) and a member of the Insurance Council of Australia.
Why consider Ozicare for your car insurance?
An Ozicare Insurance policy can offer a solid protection plan for your car. Aside from claims support, choice of annual, monthly or fortnightly premium payments and handy optional extras, a few other compelling factors make Ozicare Insurance worth considering for your car insurance needs.
Easy sign up and 21-day cooling off period
Through Ozicare’s quick and easy application process (with no forms to fill in!), you can get your car protected in minutes. And if you change your mind within 21 days of signing up, you’ll get your money back, provided you haven’t made a claim.
New car replacement
With an Ozicare standard comprehensive policy, if you purchased your car new and it becomes a total loss within the first 12 months or 20,000 km (whichever comes first) since you purchased it, you can get a brand-new vehicle of the same make and model to replace it. If a replacement car is not available, you’ll be paid the amount that you originally paid for your car. (Ozicare Gold Comprehensive has different benefits. See PDS)
Guaranteed repairs on authorised repairs
If your car is damaged, any repairs that get the go-ahead from Ozicare Insurance are guaranteed for as long as you own the car.
People take priority
The insurer supports customers going through financial hardship, domestic violence and more.
What types of plans or policies does Ozicare Insurance offer?
Ozicare Insurance believes that insurance is not a one-size-fits-all deal. That’s why they offer three levels of car insurance:
- Third party property only provides you with liability protection up to $20 million for any accidental damage your car causes to someone else’s vehicle or property.
- Third party property, fire and theft includes the benefits that come with third party property only cover, plus your car will be protected from loss or damage caused by a fire or theft. You’ll also be eligible for a hire car following a theft.
- Comprehensive Covers loss or damage to your vehicle due to an accident, theft, severe weather, malicious damage, and fire; and your liability for accidental damage your car causes to other people’s property. With Ozicare’s comprehensive cover you may get a choice of agreed value (conditions apply) or market value, and cover for trailers and personal effects. You can also choose to add-on additional extras including reduced window excess, hire car after an accident or choice of repairer.
For more details on Ozicare Car Insurance policies, have a read of their product disclosure statement (PDS) to understand what’s covered, how your policy works and any general exclusions.
Helpful tip
Windscreen damage can cost anywhere from $100 to a few thousand to repair. But with Ozicare’s reduced window glass excess optional extra with comprehensive policies, you could pay just $40 to repair or replace a damaged windscreen. It might cost a little bit more upfront but could potentially save you hundreds or more if your windscreen is damaged down the track.
Frequently asked questions
Will Ozicare Insurance cover me anywhere in Australia?
Yes. Whether it’s a drive around town or out of it, with Ozicare Car Insurance you’ll be covered Australia-wide.
How do excesses work?
All Ozicare Car Insurance policies feature a basic excess which applies to any claim that you make, unless you are deemed not at fault for the accident. Depending on the circumstances of the claim, you may have to pay additional excesses if the accident involves a driver who:
- is not listed on the policy
- is under the age of 25
- has not held a full or open Australian licence for two or more years.
With Ozicare you can choose to increase your excess in exchange for lower premiums. Though this means having a larger upfront payment if you have to make a claim, with the benefit of a lower annual premium.
How do I make a claim with Ozicare Insurance?
Making a claim on your Ozicare Car Insurance policy is as easy as picking up the phone. An Ozicare claim consultant will assist you and help get you back behind the wheel, sooner.
Before you make a claim, ensure that you:
- have evidence such as photos of the accident and the other driver’s details
- understand if you must pay an excess, whether you’re at fault or not
- have checked your policy for what you can claim and general exclusions.
You can expect an Ozicare claim consultant to get back to you with next steps within 10 business days of you making the claim.
How can I pay my bill?
With Ozicare, you can pay your premium using a nominated account, or a credit or debit card. You can choose to pay annually or in instalments, although if you opt for instalments your total premium will be higher.
You can have an automatic payment and ditch the hassle of making a payment at each instalment or every time your policy comes up for renewal.
In the unfortunate event you’re experiencing financial hardship, affected by a natural disaster or dealing with domestic or family violence, Ozicare Insurance’s team may be able to help provide additional support.
Find and compare plans
Looking for car insurance that eases your mind and is easier on the pockets? Try iSelect’s comparison tool to explore car insurance policies from Ozicare Insurance and our range of other providers.
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