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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 that offers all the benefits of Comprehensive insurance for a reduced cost. Available exclusively to people who don’t drive that much, Pay As You Drive helps you save, because you only pay for the kilometres you plan to drive.

If you qualify, you can apply for the Pay As You Drive option as part of a Comprehensive car insurance policy. You’ll also need to nominate the number of kilometres you plan to drive in the year ahead, and provide your car’s ’start’ odometer reading. We will then calculate your end odometer reading.

If you are coming close to and/or think you will go over your end odometer reading, please call us beforehand on 13 19 48 to apply to increase your end odometer. There will be an additional premium that will apply when increasing your end odometer reading.

If you have an accident and make a claim, and you’re above the end odometer reading shown on your Certificate of Insurance, then you’ll need to pay the basic excess, an Outside odometer excess and any other applicable excesses at the time of a claim.

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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. It’s important if you are close to this number to contact us on 13 19 48 to increase your end odometer reading.

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

You need to contact us to increase your end odometer reading before you have reached the limit, to update the end odometer reading to a level that you are comfortable will be sufficient for the remainder of your policy period. An additional premium will be payable. The increase of the end odometer reading should suffice you for the remainder of the policy period. If you do not increase your end odometer reading, you may be liable to pay the basic excess, an Outside odometer excess and any other applicable excesses at the time of a claim.

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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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