Pay As You Drive Car Insurance Q&A

Important note:

The following questions are to be used as a reference guide only and do not substitute or replace your insurance contract, the PDS or Certificate of Insurance.


What is the Pay As You Drive option?

Pay As You Drive is a unique concept in car insurance. Designed specifically for cars that are driven 15,000km per year or less, it offers all the benefits of Comprehensive insurance, but you only pay for the kilometres you plan to drive. Here's a summary of how it works:

When you buy a Pay As You Drive policy, you nominate the number of kilometres you plan to drive each year (up to 15,000km) and tell us your car’s odometer reading at the start of the policy. We add these together to calculate your End Odometer reading, which will be shown on your Certificate of Insurance.

We calculate your premium based in part on the number of kilometres you tell us you plan to drive.

At the time of a claim, if your car's odometer reading at the time of the incident is more than your Start Odometer reading and less than the End Odometer reading shown of your Certificate of Insurance, you get the same cover as you would with our Comprehensive insurance. If not, you still have the same cover, except you also pay the Outside Odometer excess ($1000). This is in addition to any other excesses which apply to the claim. In some cases, no excess is payable. At each renewal, we increase your End Odometer reading by the number of kilometres you told us you planned to drive each year. You can also ask us adjust your End Odometer reading at any time. However, your end odometer reading cannot be more than 15,000km higher than:

  • your Start Odometer reading (for new policies) or
  • your End Odometer reading immediately before your last renewal (for renewed policies).

To increase your End Odometer reading give us a call on 13 19 48 during our operating hours. See our PDS for more details.

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Do I qualify for Pay As You Drive cover?

If you are not driving frequently you could qualify for our Pay as You Drive cover and save money on your car insurance. If you are eligible for our Pay As You Drive cover when obtaining a quote, you will be offered that option.

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How do I get Pay As You Drive car insurance?

It’s easy to sign up for Pay as You Drive car insurance. Simply get a quick car insurance quote online to check if you qualify, and discover how much you could save. If you qualify, simply accept the quote, provide your car’s odometer reading when you sign up for your policy, and the Pay as You Drive option will be shown on your Certificate of Insurance.

For more information, check the Real Car Insurance Product Disclosure Statement.

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What is the starting odometer reading?

Your car’s odometer reading you provide when you first take out the Pay As You Drive cover. This reading will be shown on your Certificate of Insurance in your first period of insurance.

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What is the end odometer reading?

The end odometer reading indicates the maximum odometer reading for your car during the period of insurance and will be shown on your Certificate of Insurance.

At the time of a claim, if your car has exceeded the end odometer reading, you will need to pay an Outside odometer excess, as well as any other excesses applicable. There are some claims for which an excess does not apply.

To change your end odometer reading, please give us a call on 13 19 48.

See our PDS for more details.

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What can I do if I’m close to reaching my end odometer reading?

If you have a Pay As You Drive policy, you may be able to increase your end odometer.

There might be some instances where your end odometer reading cannot be increased. If this applies to you, please contact us.

Your end odometer reading increases at each renewal, based on how far you estimated the car will be driven each year.

To increase or decrease your end odometer reading, please contact us.

See our PDS for more details, or please give us a call on 13 19 48 during our operating hours.

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How is my end odometer reading calculated?

The end odometer is calculated when you first take up your policy, by adding the amount of kilometres you estimate you will drive to the start odometer reading you have provided. On renewal of your policy, a suggested end odometer reading (based on the previous year’s estimated range) will be suggested, which you will need to review and confirm. If on renewal you would like to increase or decrease the end odometer reading on your renewal notice, contact us on 13 19 48 to amend your policy.

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I want comprehensive cover but don’t want to worry about the kilometres I drive. What cover can I get?

Our cover options mean you can choose ‘unlimited kilometres’ Comprehensive cover and not have to worry about the amount of kilometres you drive. You can simply get a quote online or call us on 13 19 48 and ask for Comprehensive cover for your car.

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