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Poncho Comprehensive Car Insurance

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Important information on terms, conditions and sub-limits
Monthly premiums available
Maximum no claim discount
Not Published
Online discount
Choice of repairer
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Mozo editorial review Poncho Comprehensive Car Insurance

Last updated: 28 January 2021.

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What's hot
  • Monthly premiums available at no extra cost
  • $0 excess for windscreen cover
  • 24/7 claims service
What's not
  • $3,000 unlisted drivers excess
Mozo snapshot

Looking for a car insurance policy that’s transparent and keeps things easy to understand? Then Poncho Car Insurance could be exactly what you’re looking for. Not only will you have a 24/7 claims service on your side, but Poncho has a simplified $800 excess for all listed drivers, and if you’ve got more than one driver in the family, you’ll be able to have more than one car or driver on the same policy!

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Key features

Poncho Car Insurance are all about changing up the way Aussie drivers look at car insurance, starting with their simple car insurance policy. This comprehensive car insurance policy will cover any loss or damage to your car in the event of an accident, storm, theft and much more. 

While you won’t have your choice of repairer, Poncho has an Australian-wide network of authorised repairers that provider a lifetime guarantee on all repairs. And if you do get into an accident and have a claim, you'll have transport included, or if your car cannot be repaired, Poncho will treat you to a brand new car, so long as your old car has less than 15,000km on the odometer.

One of the special parts about this car insurance policy is the $0 excess for windscreen cover as well as the monthly premiums, which Poncho says works more like a monthly subscription with no lock-in contract or cancellation fee. 

You can also say goodbye to complex excess options, as Poncho offers a flat $800 excess for all listed drivers on the policy. However, just keep in mind that if any unlisted drivers cause an accident, you’ll have to pay a $3,000 excess. There is also no roadside assistance included in this policy.

Who is it good for

The Poncho Car Insurance policy could be a great choice for Aussie drivers who like the idea of paying their premium monthly and want to insure more than one driver or car under the same policy. 

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Any catches

If you aren’t going to be the only person driving the car, be sure to list them on your policy. Otherwise if they get into an accident, you’ll have to pay a $3,000 excess.


Rates and fees information correct as at 6 May 2021. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Discounts and excesses
  • Yes

  • $800 flat excess fee

  • No additional excess for young drivers. $3,000 for unlisted drivers

  • Not Published

  • n/a

  • n/a

  • n/a

  • No

  • n/a

Service features
  • No

  • No

  • Yes

  • n/a

  • n/a

Coverage summary
  • Agreed

  • Yes - within 15,000km of original registration

  • No

  • Yes - $0 windscreen excess

  • Up to $500

  • Reasonable costs. Up to $500 accommodation and travel cost if greater than 200km from home

  • Yes - Up to 21 days, max $80 per day

  • Yes - Up to 21 days, max $80 per day

  • No

  • Up to $1,000 for trailer only.

  • Up to $1,000 if stolen

  • Up to $1,000

  • Covered only if agreed in writing.

  • No

  • No

*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 on the provider's website for further information before making any decisions about an insurance product.

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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