The ‘Netflix’ of car insurance: How ROLLiN' is changing the Aussie car insurance landscape
Over the last year we’ve seen some pretty massive changes to the way we live, work and socialise. COVID-19 has forced us to swap offices for living rooms and well-planned holidays and events for last-minute cancellations and do-overs.
Life has become less predictable, and our workplaces and service providers are having to adapt to this new normal. Luckily for Australian drivers trying to manage car insurance premiums as their transport needs change, there’s an insurance provider who’s been offering simple, flexible service from the get-go.
Rollin' car insurance launched in 2019 and is backed by one of Australia's largest general insurance company, IAG. This exciting new player operates in a similar way to a subscription-style service like Netflix or a pay-as-you-go mobile plan, providing insurance cover that you can cancel at any time.
Rollin' customers sign up to a monthly car insurance policy that’s renewed as each new month rolls around. This way, if you find yourself in a situation where you won’t need car insurance for a certain amount of time – like if you’ve got your car parked in the garage during a lockdown or if you’re away for a few months – you can cancel your cover without penalty and pick it back up when required.
Rollin' only offers comprehensive car insurance and it doesn’t come with optional extras at an additional cost like most other car insurance policies.
Rollin’s commitment to sustainability and EVs
When it comes to the sustainable future of transport, electric vehicles (EVs) represent the green road forward for independent travel.
However, it isn’t always easier or cheap to insure electric vehicles. As a general rule, insurance pricing increases with perceived risk. The less knowledge an insurance company has about something, the more they may see it as a potential risk.
So, since many providers don’t understand EVs as well as they do traditional combustion engines, they often increase EV premiums.
Instead of shying away from the EV market, Rollin' is making it their mission to provide tailored and affordable insurance options to people driving electric-powered vehicles. They’ve identified potential for growth in this area and have become dedicated EV insurance experts through collaboration with providers like Tesla.
While EVs have obvious mechanical differences to petrol-powered cars, Rollin' insurance incorporates these requirements into the policy. You’ll find electric car batteries, charging cables, wall boxes and adapters are all covered against standard damages such as accidental collisions, fire, flooding, vandalism and theft. And you won’t need to stress if you’re leasing the equipment, as Rollin' will cover this too (unless it’s related to someone getting hurt if they trip over a cable).
Keen to learn more about this company shaking up the car insurance game? Check out Rollin’s car insurance policy details below.
Rollin' Comprehensive Car Insurance*
- Hire car cover after theft & not at fault accidents
- New-for-old car replacement (with conditions)
- $0 excess for windscreen cover
With Rollin' car insurance you’ll get new-for-old cover, meaning if you’re in an accident that’s covered by the policy and your car is written-off, your car will be replaced with a new comparable model (so long as the car has driven under 15,000km). Rollin' could also cover $500 in emergency repairs, up to $1,000 for baby seats in the car and $1,000 to replace stolen keys.
Plus, if Rollin' accepts the claim there is up to $80 a day coverage for you to hire a car (for a maximum 21 days) while yours is out of action after a theft or an accident where you were deemed not at fault.
There’s a standard $800 excess to keep things simple at claim time, but if your windscreen or window glass is damaged you won’t have to pay any excess. Rollin' says they offer this as standard since fixing windows can often cost less than the excess. Just remember, there is an additional $3,000 unlisted driver excess. So be sure to only let people who are listed on your policy drive your ride, or you may have to pay this larger sum if you make a claim for when they were behind the wheel.
*Terms, conditions, exclusions, limits and sub-limits may apply to any of the insurance products shown on the Mozo website. These terms, conditions, exclusions, limits and sub-limits could affect the level of benefits and cover available under any of the insurance products shown on the Mozo website. Please refer to the relevant Product Disclosure Statement and the Target Market Determination on the provider's website for further information before making any decisions about an insurance product.
^See information about the Mozo Experts Choice Car Insurance Awards