Rates and fees verified as correct at 23 January, 2021. Other information correct at the time of writing. Advertiser disclosure.
|Product||Monthly premiums available||Maximum no claim discount||Online discount||Choice of repairer|
|Comprehensive Car Insurance|| |
Yes costs extra
|Go to site|
Any information provided on this page should be considered a summary and general advice only. All information should be verified before purchase via the relevant Product Disclosure Statement (PDS).
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1st For Women’s insurance policies are underwritten by the Auto & General Insurance Company, which has been operating in Australia since 2000. Auto & General underwrites a number of big brands including Budget Direct, Ozicare, Qantas and Virgin Money.
1st For Women offers third party and comprehensive car insurance. Plus, roadside assistance which is available as an optional extra.
Comprehensive car insurance is the highest level of cover 1st For Women offers. Its policy includes:
Access to a 24-hour phone claims service
Up to $20 million legal liability
New car replacement - If your new car is written off within 12 months of purchasing it or with only 20,000 kilometres on the clock.
Up to $300 of emergency transport and accommodation cover ($100 per day)
Personal effects cover up to $250 - includes items such as child seats and baby capsules
Trailer cover up to $500
Hire car cover following a no fault accident or theft.
1st For Women also has a money back guarantee, if you change your mind and cancel your policy within 21 days of purchasing it. So long as you haven’t made any claims, you should be able to get a full refund.
For a bit of extra cover you can also add these optional extras onto your comprehensive policy. Just remember that any additional coverage will increase the cost of your premium.
Reduced windscreen excess. By varying your premium, you can reduce your windscreen excess.
Hire car cover for up to 14 days, following an at fault accident.
Roadside assistance cover
Choice of repairer
No claims discount protection (only available if you are on rating one).
Similar to other car insurers, 1st For Women’s roadside assistance is available as an optional extra and you can purchase it for around $89.95 per year. To be eligible your wheels must be less than 16 years old, not be driven for commercial or business purposes and have less than 250,000 kilometres on the clock at the time you purchase your cover.
If your car meets all that criteria and you do wind up paying for this additional cover, you’ll receive roadside assistance with:
A flat battery
Lost or locked out keys
Changing a tyre
Getting emergency fuel
Minor mechanical repairs - this could include fuses and repairs to hoses
Towing after a breakdown.
With this cover you’ll be able to make up to six roadside callouts per year and have access to a 24-hour helpline.
If you’ve ever taken out an insurance policy before, then you’ll know that there are always general exclusions to look out for. Some things 1st For Women’s comprehensive car insurance will not cover you for are:
General wear and tear of your vehicle
Improvements to your car
If your car reduces in value as a result of a repair
Tyre damage from punctures, cuts or bursts
If your car is damaged after using the wrong fuel
If your wheels are damaged as the result of wilful or reckless behaviour.
Read the product disclosure statement for a full list of exclusions that apply to 1st For Women’s comprehensive car insurance policy. This can be found on the insurer’s website (note - insurers should always provide a copy of the PDS on their website!).
First of all 1st For Women offers two types of third party car insurance - third party property and third party fire and theft.
The most basic level of cover 1st For Women offers, third party property includes:
Up to $20 million of legal liability
Up to $3,000 of uninsured motorist damage cover - that is if your car is involved in a no fault accident with an uninsured vehicle
Access to 1st For Women’s 24-hour claims helpline
It should be noted that besides the ‘uninsured motorist damage’ cover, this type of insurance is not designed to provide cover for your own wheels. Its main purpose is to provide cover for any damage you might cause to someone else’s vehicle.
Third party fire and theft, however, does provide a little bit of protection for your own vehicle. As well as the above, it offers:
Cover if your car is damaged in a fire or as the result of a theft or attempted theft
Up to $1,000 of cover for a hire car following a theft, for a maximum of 14 days
Yes, 1st For Women does offer a no claims discount with comprehensive policies. The no claims discount is designed to reward good driving history and 1st For Women may even offer it to you, if you had it with your previous insurer.
So how does it work? Well for each year that you do not make an ‘at fault’ claim, your no claims discount will increase by one level. The levels are rated from one to six, with one being the biggest discount you can receive and six being the lowest. The ratings are as follows:
Rating 1 - 15%
Rating 2 - 12%
Rating 3 - 9%
Rating 4 - 6%
Rating 5 - 3%
Rating 6 - 0%
For each ‘at fault’ claim that you make your no claims discount will be reduced by two ratings, in your next insurance period. However, there are some instances in which your no claims discount won’t be reduced. That is if you make a claim for:
Window glass only
A ‘no fault’ accident
Damage caused by a storm, wind or hail
If you are on rating one, you may also be given the option to purchase ‘no claims discount protection.’
Yes, you can opt to lower the excess that applies to your windscreen (so if it gets damaged you’ll pay less or nothing at all), hire car cover for when a thief steals your car (Ts and Cs apply) and No Claim Discount Protection (which protects your record if you make one claim a year, or two claims in three years) for a higher premium.
It’s simply the amount you’re required to pay before 1st for Women would step in and pay the rest if you’re involved in a incident. For instance, let’s say a tree branch fell on your car and dented it. If your excess was $700 and the repairs cost $1,000, you’d pay the excess while 1st For Women would fork out $300 (provided your claim went through).
With 1st For Women you choose for your excess, which can range from $650 - $1,850. If you’re a young driver or only recently started hitting the roads, you may be given a designated excess. Remember, as a rule of thumb, the higher the excess, the lower your premium will be because you’re accepting more risk financially.
Simply head to 1st For Women’s official site and follow the prompts on the application page. The cost of your premium will depend on how you answer key questions, such as the make and model of your car and where you park your set of wheels at night. If you’re looking for the cheapest quote possible and fit the criteria you can put an age restriction on your policy. Best of luck!
You can lodge a ‘quick claim notification’ via 1st For Women’s website. Just make sure you have your policy number and personal details to hand.
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