Some of the benefits available to our customers include:
To purchase Ozicare Insurance, you can get a quote online in just a few minutes, or call us and we can arrange it all over the phone.
We can deal with your claim request over the phone, and will process it as quickly as possible.
You can make your premium more affordable by:
To help you get the best cover for both your needs and your budget, we let you tailor your policy.
For example, you can restrict drivers by age. This lowers the level of perceived risk, which can in turn lower the premium you need to pay.
You can also tailor your policy by:
Market value is what it would cost to replace your vehicle with one of the same make, model, age and condition at the time of the loss or damage.
Agreed value is the amount we agree to insure your vehicle for during each insurance period. (Note: The value may change each time you renew the policy.)
is our least expensive car insurance option. However, it only covers the damage done to the third party's car. It does not cover any damage done to your own. If your car is involved in a no fault accident with an uninsured vehicle, we'll cover you for up to $5,000 (including recovery, towing and storage costs).
car insurance not only covers the damage done to the third party's car, but also provides cover for your own car if it's stolen or catches fire. If your car is involved in a no fault accident with an uninsured vehicle, and you can prove it's uninsured, we'll cover you for up to $5,000 (including recovery, towing and storage costs).
car insurance gives you the greatest level of protection, covering not only the damage done to the third party's car but also the damage done to yours.
Personal effects are any of your personal belongings in your car at the time of an accident.
At Ozicare we provide limited cover for damage to your personal effects resulting from a collision involving your car. See our Product Disclosure Statement for more details.
A no-claim discount (NCD) is a discount on your Comprehensive Car Insurance premium that increases each year you don’t make an at-fault claim (it’s also sometimes called a no-claim bonus or no-claims entitlement). The more consecutive years you’re insured and remain claim-free, the bigger your discount.
Ratings start at 6 (0% discount) and decrease for each consecutive year you don’t make a claim. Our NCD is capped at 5 years and when you reach this, we apply the maximum no-claim discount, Rating 1 (15% discount). If you make one or more at fault claims, on renewal your NCD will reduce by 2 levels for each claim and the discount on your insurance will decrease accordingly. Different terms apply if you have purchased the NCD Protection option or have Rating 1 for Life.
Full details on how your No Claims Discount works is available in our Car Insurance Premium, Excess and Discount Guide.
Unless NCD Protection is shown as included on your insurance certificate, each time you lodge an at fault claim with Ozicare your NCD will be reduced by two years on renewal of your policy.
For example, if you had a Rating 1 (maximum no claim discount) and you made one at fault claim in a given year, your rating would drop to 3.
This means the discount on your Ozicare Comprehensive Car Insurance premium would fall from 15% (Rating 1) to 9% (Rating 3).
(If it’s not already shown on your insurance certificate, NCD Protection cannot be added to your policy after 28 September 2020.)
They're all terms insurers use to rank your driving history and risk, and refer to the discount applied to your full premium.
Each time you lodge a claim with Ozicare, your no claim discount (NCD) is reduced by two years on renewal of your policy, unless:
In all other claims scenarios, your NCD would be reduced.
Not telling us this information (non-disclosure) can affect our ability to accurately assess your risk or calculate the correct premium. It could lead to your claim being paid only in part, or not at all.
Market value is what it would cost to replace your vehicle with one of the same make, model, age and condition at the time of the loss or damage.
To get an idea of what your car may be worth, you could take a look at the Redbook website.
Ozicare car insurance policies are underwritten by Auto & General Insurance Company Ltd, an Australian insurer authorised to conduct insurance business in Australia by the Australian Prudential Regulatory Authority (APRA).
The underwriters calculate your car insurance premium according to the level of risk they associate with you and your car. The higher the risk, the higher the premium.
Factors that could go into measuring this level of risk include:
The good news is our underwriting is more comprehensive than many other car insurers, which means we can offer competitive rates to drivers like you.
See our Product Disclosure Statement for more details.
Under a standard Home and/or Contents Insured policy we cover you for events such as:
Limits and exclusions may apply, so make sure you read the Product Disclosure Statement.
For an additional premium, you can get optional ‘Flood Cover’ for your home and/or contents.
We define flood as:
The covering of normally dry land by water that has escaped or been released from the normal confines of any: lake, river, creek or other natural watercourse (whether or not they’ve been altered or modified) or reservoir, canal, or dam.
You can apply for Flood Cover at any time. If your application meets our underwriting criteria, we’ll accept it.
On 28 June 2018, Ozicare temporarily stopped offering life insurance to new customers.
We apologise for any inconvenience this causes you.
(Though we’ve temporarily stopped offering life insurance to new customers, existing policyholders will continue to be covered.)
Ozicare Life Cover helps you protect your loved one’s financial future should something happen to you, by providing them with a lump sum benefit in the event of terminal illness or death.
While all causes of death are covered by Ozicare Life Cover, suicide or self-inflicted injuries are covered only from 13 months of commencing the policy.
Please refer to the Product Disclosure Statement for full terms and conditions and exclusions.
Ozicare Life Cover pays a lump sum benefit to your beneficiaries should you pass away or be diagnosed with a terminal illness. The lump sum can be used to cover expenses such as funeral and legal costs, pay down debts or pay for everyday expenses (rent, mortgage, car payment, childcare, school fees, groceries etc) – or be passed down as an inheritance.
Ultimately, should something happen to you, Ozicare Life Cover provides peace of mind that your family is looked after.
Ozicare TPD Cover provides a lump sum benefit if you suffer an injury which results in a total and permanent disability, but not resulting in your death. The payment can be used to pay down debts or pay for everyday expenses (rent, mortgage, car payment, childcare, school fees, groceries etc). It could also be used to purchase or modify a home (to accommodate a disability) or pay expenses such as an in-home carer or cover ongoing medical treatment.
Ozicare Trauma & Trauma Plus Cover provide short-term financial assistance if you are seriously ill or injured. This can help meet mortgage repayments or rent, medical costs and rehabilitation, or compensate for unpaid leave for yourself or your partner during recovery.
Ozicare Children’s Cover pays a lump sum benefit should your child be diagnosed with a terminal illness, suffer a serious illness/injury, or if they pass away. This benefit helps ease the financial burden due to the loss of income when tending to a sick child and having additional expenses such as medical bills.
We provide cover for the following regions and countries:
| Pacific |
|---|
| Includes American Samoa, Cook Islands, Fiji Islands, French Polynesia (including Tahiti), Kiribati, New Caledonia, Niue, Samoa, Solomon Islands, Tonga, Tuvalu, Vanuatu, New Zealand, Papua New Guinea; and domestic cruises within Australian territorial waters. |
| Asia |
| Includes Bangladesh, Brunei, Cambodia, China, Hong Kong, India, Indonesia, Japan, Laos, Malaysia, Maldives, Myanmar, Nepal, Philippines, Singapore, South Korea, Sri Lanka, Taiwan, Thailand, and Vietnam only. |
| Europe/Africa |
| Includes countries in Africa, Europe, Scandinavia, the Middle East, the Caribbean, and Russia. |
| Americas |
| Includes United States of America, Canada, Mexico, Central and South America and Antarctica (Antarctic cruises only). |
| Not covered |
We do not cover travel to countries:
|
We cover more than 90 sports and activities; and you can get optional cover for more than 12 snow sports. For details, please see the Product Disclosure Statement.
Ozicare travel insurance covers 27 pre-existing health conditions. You must tell us about a pre-existing cover before you commence travel. For more information, please read the Product Disclosure Statement.
If you have a pre-existing medical condition that is not covered, you can still be covered for claims not related to your condition.
With Ozicare, you can get cover for up to 10 adults and 20 dependent children on one travel insurance policy.
An Ozicare single-trip policy can cover you for up to 12 months if you’re aged 65 or under; or up to 90 days if you’re aged between 66 and 100.
An Annual Multi-Trip policy lasts for 12 months, though each trip must be 30 days or less.
You can pay for your Ozicare travel insurance by credit card (Visa or Mastercard).
Yes – if you change your mind within 14 days of buying your Ozicare travel insurance policy, you can cancel it and – as long as your trip has not started and you have not made a claim – get your money back.
Depending on the type of Ozicare travel insurance you buy, you can change the following details in your policy at the following times:
| At time of purchase | Before your trip starts – and within 14 days of the purchase date | After your trip has started | |
|---|---|---|---|
|
Excess |
Yes | No | No |
|
Travellers on your policy |
Yes | No | No |
|
Departure date |
Yes | Yes | No |
|
Optional extras |
Yes | Yes | No |
|
Travel destinations |
Yes | Yes | Yes |
Except for the excess, you can make these changes by calling us on 1800 694 227 (within Australia) or +61 7 3707 3463 (outside Australia); or emailing travelhelp@ozicare.com.au
For an additional premium, you can add optional Additional Specified Items Cover to your Comprehensive or Annual Multi-Trip policy.
This cover allows you to insure an item (or pair or set of items) for more than the standard benefit limit of $750.
The item is specified on your policy and given an individual description and value, up a maximum of $4,000 per item and $6,000 in total.
You can add this cover when you get a quote and buy a policy or by calling us on 1800 694 227 (within Australia) or +61 7 3707 3463 (outside Australia); or emailing travelhelp@ozicare.com.au
(Our Essential, Last Minute, and Domestic policies cover luggage and personal effects up to a limit of $500 per item or pair or set of items; Last Minute excludes cover for valuable items.)
Yes – all Ozicare international travel insurance policyholders get access to a 24/7, global network of medical and emergency assistance providers.
If you get sick or injured, lose your passport, or need evacuating, for example, we can get you the help you need.
If you need to lodge a claim with us, you must do so within 30 days of returning to Australia.
A quick and easy way of doing this is to claim online.
Alternatively, you can:
You can also lodge your claim over the telephone. Call us on 1800 694 227 (within Australia) or +61 7 3707 3463 (outside Australia) and a member of our team will help you lodge your claim over the phone.
Depending on the benefit you’re claiming, your excess will be either $200 or $0; or range from $250 to $500 for a handful of the 90+ sports and activities we cover.
For an additional premium, you can halve the excess (where it applies) to $100; or choose to have no excess.
You can do this when you get a quote and buy a policy (but not afterwards).
For more information, please read the Product Disclosure Statement.