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Poncho Comprehensive Car Insurance

Monthly premiums available
Maximum no claim discount
Not Published
Online discount
Choice of repairer

Mozo editorial review Poncho Comprehensive Car Insurance

Last updated: 21 May 2020.

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What's hot
  • 30% temporary premium reduction from May 2020
  • Monthly premiums available
  • $0 excess for windscreen cover
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 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! Plus in light of the COVID-19 lockdown, Poncho are currently offering a temporary 30% premium reduction for new and existing customers from May 2020.

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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 hand-picks their repairers, which they say helps to keep costs low. And if you get into an accident and your car cannot be repaired, Poncho will treat you to a brand new car, so long as your old car is within 15,000km of the original registration. 

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 say work more like a monthly subscription with no lock-in contract or cancellation fee. Poncho also take the hassle out of multiple excesses by offering a flat $800 excess for all listed drivers. 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. 

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 26 May 2020. 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
  • $800

  • $3,000 for unlisted drivers

  • Not Published

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Service features
  • n/a

  • n/a

Coverage summary
  • Market

  • - within 15,000km of original registration

  • No

  • Yes - $0 windscreen excess

  • Up to $500

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

  • - Up to 14 days, max $50 per day

  • - Up to 14 days, max $50 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.

  • Optional Extra

*as voted by the Mozo community

Customer Reviews

This product is not currently reviewed.