Ozicare is part of an international network of insurance companies established in the 1980s, with car insurance policies underwritten by Auto & General Insurance Company. It hit Australian shores in 2001, and since then has been keeping Aussies’ vehicles safe and sound.
Read on for the most important details of an Ozicare car insurance policy.
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Comprehensive Car Insurance
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You’ll probably want to know just exactly what kind of cover you’re going to get. So here’s an overview of some of the coverage you’ll receive with an Ozicare comprehensive policy:
Keep in mind that conditions apply to many of these benefits and you should always read your PDS carefully.
Like most car insurance policies, there are some things that aren’t covered with Ozicare. Some are general exclusions, such as accidents that happen when:
Others are more specific exclusions under an Ozicare policy, including:
As with most car insurers, you can choose a low or high premium option when you buy a policy with Ozicare. One thing to keep in mind is that if you opt for lower excess, then you’ll get a bigger pay out if you ever have to make a claim, but you will pay higher premiums upfront.
On the other hand, if you opt for high excess, then you’ll pay a lower premium up front, but if you ever do have an accident, your claim will cover less of the costs.
Your car insurance premium generally reflects the likelihood that you will make a claim in the future - the more likely you are to claim, the more you’ll pay.
Insurers work this out based on a number of different factors. Some of the things used to determine your Ozicare car insurance premium include:
It’s handy to have some flexibility with paying your premium, so you can better fit it into your budget. With Ozicare, you can opt to pay all in one lump, annual sum, or you can pay in monthly instalments. But if you choose the monthly option, keep in mind you’ll pay extra for the convenience.
Another way to make your car insurance premium fit into your budget a little better? Discounts. At Ozicare, make sure to cash in on your no claims discount.
Generally speaking, there are a few things you should make sure you have so that car insurance claims go as smoothly as possible. These include:
To make a claim on your Ozicare car insurance, you’ll need to call the customer service phone line.