Why you might want to give Pay As You Drive cover^ a spin when it comes to your car insurance

If your car spends more time napping in the garage than hitting the open road, Pay As You Drive cover^ (PAYD) might be the car insurance option you’ve been looking for. Especially if you’re after Comprehensive car cover that suits different budgets and lifestyles. 

Here’s a quick look at what Pay As You Drive cover^ is, how it works, and what some of the benefits are.

Pay As You Drive cover is a flexible car insurance option where your premium is based on ​​​​how much you plan to drive^. ​​​​Yep - no more paying the same as someone clocking 20,000km a year if you’re only doing a few short drives a week.

: if your driving habits have changed - maybe you’re no longer commuting daily or taking long road trips - Pay As You Drive Cover could be a better fit. It lets you choose a yearly kilometre limit that reflects ​​​​how much you plan to drive, ​​​​​​so your premium is more suited to your lifestyle compared to standard comprehensive ​​cover.

1. Start a quote and pick your kilometres 


​​​When taking out ahm Comprehensive car insurance and you choose anywhere between 1,000 and 15,000 kilometres per year, you are eligible for Pay As you Drive Cover^. Not sure how many kms you’ll use? That's ok,​​​​​​ you can look at topping up your kms later if you need to. Just keep in mind that we'll need to adjust your premium, too.

2. Send us your start odometer reading 


You’ll have 14 days from the start date of your policy to let us know your start ​​​​​​odometer reading. We’ll then calculate your “end” odometer ​​​​reading based on the number of kilometres you’ve chosen.

3. You’ll get a certificate of insurance 


This includes your start odometer reading, the number of kilometres ​​​​you plan to travel, and your expected end odometer reading.

Planning a spontaneous trip up the coast? ​​You can look to top up your kilometres during your cover period either online or by giving us a quick call at 1300 518 049. Your premium might change, but we’ll keep it straightforward.

To make sure everything runs smoothly, it’s important to double-check your odometer readings in your account or on your Certificate of Insurance. ​​If you need to make a claim and your odometer reading at the time of the claim is less than your start odometer reading or greater than your end odometer reading as noted on your Certificate of Insurance, an additional excess will be applied.

What are some of the benefits of Pay As You Drive cover^?


Pay As You Drive cover^ is usually cheaper than standard ahm Comprehensive cover*, because you’re only paying for the kilometres ​​​​you plan to drive.


Life changes. You might drive less this year, or more next. With Pay As You Drive cover^ you can look to adjust the kilometres you plan to drive to suit your ​​​​lifestyle.


You choose ​​​​how much you plan to drive - which may reduce how much you pay. It’s cover that puts you in control.

So, if your car is more “quick coffee run” than “coast-to-coast road trip,” Pay As You Drive cover^ could be a great way to help you stay protected on the road while also helping you save on costs. It’s comprehensive, flexible, and built for the ​​​​way you actually use your car and the kilometres you plan to drive.

 (PDS) so you know exactly what’s included and if a product is right for you.

 today and see if you could be saving more - just by driving less.

If your car spends more time parked than on the road, then ahm Pay As You Drive cover^ could be your new best friend. Instead of paying a flat fee no matter how much you drive, Pay As You Drive cover^ lets you pay based on how many kilometres you’ll actually clock.

Pay as you drive car insurance  

ahm health insurance is a business of Medibank Private Limited (ABN 47 080 890 259), who is the promoter of this insurance, as an authorised representative of Open Insurance Pty Ltd ABN 23 166 949 444 AFSL No. 451712 (Open) under AR 000286089. This insurance is issued by Open on behalf of the insurer, The Hollard Insurance Company Pty Ltd ABN 78 090 584 473 AFSL No. 241436. Medibank Private Limited and Open act as agents of Hollard and not on your behalf. Any information or advice provided is general information only and doesn’t consider your objectives, financial situation or needs. You should carefully read the relevant combined ​​

Product Disclosure Statement and Financial Services Guide

 to help you decide if the product is right for you.

​Cars are great - until they’re not. Comprehensive car insurance can help you deal with some of life’s little bumps, from accidental damage to theft. So you can hit the road with less worries, and more peace of mind.

So, what’s Comprehensive car insurance cover* exactly? And how might it help in those “oh no” moments that seem to happen when you least expect them? Buckle up - we're here to help break it all down.

​​Comprehensive car insurance gives you extra peace of mind by helping protect your car - and other people’s property - if something goes wrong, even if it’s your fault. Depending on the situation, it can cover things like:

Accidents (including with uninsured drivers)

Damage to your car when it’s parked and unattended

It’s our most thorough cover, helping take some of the stress out of life’s little (and not-so-little) bumps on the road.


From hailstorms to potholes, some things are out of your control. ahm Comprehensive car cover* can help with certain unexpected events, so that you and your car can keep moving.


If your car is stolen, storm-damaged, or vandalised, ahm Comprehensive cover* can help with repairs or a replacement vehicle.

3. A little extra ​​​​peace of mind goes a long way


With cover that goes beyond the basics, comprehensive cover with ahm car insurance can help you hit the road with less worries, so you can feel a bit more prepared for whatever comes your way.

What’s included with ahm Comprehensive car insurance*?

With ahm Comprehensive car insurance*, you can enjoy features like:

​​​​​Cover for accidental damage to your car

Damage to other vehicles or property, including legal costs, up to $20 million

​​​​​New car replacement for vehicles up to 24 months old

​​​​​Optional add-ons like ​​​​​​roadside assistance or excess-free​​​​ windscreen cover

​​​Now that you’ve seen what’s included, you can explore your options with ahm car insurance by getting a 

Roadside Assistance is a separate service provided by Digicall Assist. Read the Roadside Assistance 

Cars don’t always play nice. One minute you’re cruising, the next ​​​​our bumper’s got a new dent or a rogue trolley’s trying out for a paint job. ​​​​ahm’s Comprehensive car insurance* is straight up, flexible, and here to help.

Comprehensive car insurance

So, you’ve passed your test (nice one!), got your Ps, and maybe even picked up your first set of wheels. Whether it’s a hand-me-down family sedan or a zippy little hatchback, there’s one not-so-fun-but-totally-necessary thing you need to sort out: 

.

If you're under 25, you're probably already hearing that car insurance can be pricey, confusing, and a bit of a headache to navigate. But don’t worry - we’re here to help it make a bit more sense (and maybe even save you a few bucks).

Here’s the deal: your premium is calculated based on a number of criteria, such as:

your car’s accessories or accepted modifications; and

factors relating to the drivers of your car, such as their age and driving history.

We also look at the value of your car, and other factors that increase or decrease the risk of claim. Your premium will also include amounts covering government charges, taxes or levies we are responsible for, such as GST and Stamp Duty. This information will be shown on your Certificate of Insurance. 

​​​Ever heard of the young driver age excess? Pretty much this means if you’re under 25, some insurers may charge an additional excess on top of your standard excess if you need to make a claim. ahm Car Insurance includes two types of excesses that may apply depending on the driver’s age:

: This applies if the driver is under 25 and has been declared as a driver on your Certificate of Insurance. This excess is $800 for drivers aged 21 to 24, and $1,200 for drivers under 21. This excess does not apply to a learner driver.

This applies if a driver is under 25 and has not been declared as a driver on your Certificate of Insurance. This excess is $1,600 for drivers aged 21 to 24, and $2,000 for drivers under 21. This excess does not apply to a learner driver.

Before you start shopping around, here’s a quick rundown of the different ahm car insurance cover options you can chose from:

Covers damage to other people’s cars and property.

Cheapest option but doesn’t cover damage to your own car.

For an additional premium this can be extended to cover your car for Fire and Theft/Attempted Theft, for the car’s market value up to $10,000.

Protection for your car, damage to other people’s car or property, fire, theft, and more.

Pay As You Drive cover^ option if you’re driving l​​​​ess than 15,000kms a year.

​​​​​Some ways you could look to save on your car insurance

Now for the good stuff - how to help keep your premium from eating your entire pay cheque:

 - Smaller engines, lower value, no modifications usually mean a smaller premium. Your turbo dream Ute might have to wait.

 - Choosing to pay a higher excess (the amount you pay if you make a claim) can help to lower your premium: but choose thoughtfully, as this will impact you at claim time.

- If you plan to drive​​​​ less than 15,000 km a year, ahm Pay As You Drive cover^ could save you up to 30% compared to our ahm’s unlimited KM comprehensive cover.

 - Having an older, experienced driver listed on your policy may help bring the price down. Just make sure you’re still the main driver (using the car the most).

 - If you're with ahm or Medibank health insurance you enjoy 10% off* your car insurance premium every year - winning.

Now that you know a bit more about the ins and outs of under 25s car insurance, check out your options with ahm car insurance by getting a ​​

You should carefully read the relevant combined ​​

If you’re under 25 and thinking about car insurance, you’ve probably asked yourself:


Why does insurance cost so much for us? Am I actually covered under my parents’ policy? What kind of insurance do I even need?

If you're a young driver under 25 and trying to figure out what kind of insurance makes sense (without the insurance speak), you're in the right spot.

Car insurance for under 25s 

Planning a babymoon before bub arrives? Visiting family across the country? Or squeezing in one last overseas getaway before nappies and night feeds take over? Whatever your plan, travelling while pregnant can be a beautiful experience - if you’re prepared. 

And no, we’re not just talking about packing snacks and compression socks. We’re talking about travel insurance for pregnancy - your added safety net when travel plans meet real life. 

Good news - travelling while pregnant can be possible - but it’s important to plan ahead*! Plenty of people travel safely during pregnancy, especially in that sweet spot of the second trimester. But before you hit "book now" make sure to:

Chat with your doctor to get the green light.

Check airline rules (some have restrictions after certain weeks). These restrictions may be different to the terms and conditions set out in your travel insurance.

Research medical facilities and costs at your destination.

Because while spontaneous travel is fun, it’s even better when you’ve thought through the "what ifs".

Why travel insurance for pregnancy is something to consider

Pregnancy comes with enough surprises - your travel plans shouldn’t be one of them. Here’s why travel insurance for pregnant travellers can help add some peace of mind:

Coverage for certain pregnancy complications

: Some travel insurance policies may cover unexpected pregnancy complications up to a certain stage. Routine care, childbirth, and newborn care are usually not included, so it can be helpful to check the limits of any policy you’re considering.

 Some policies might cover prepaid costs like flights, tours, or accommodation if a covered pregnancy complication affects your travel plans. Policy details and exclusions vary, so the Product Disclosure Statement (PDS) is the best place to check.

For pregnancies beyond a certain stage, childbirth and newborn care overseas are usually not covered, and related costs can be significant. Being aware of this can help when comparing policies.

Travel insurance may also cover unexpected events not related to pregnancy, like lost or stolen luggage, missed connections, or medical emergencies. Coverage varies depending on the policy.

What to look out for in pregnancy travel insurance

Not all travel insurance policies automatically cover pregnancy, so it’s worth doing a little homework before you go:

: Some insurers cover up to a certain number of weeks.

: It can help to get a sense of what your policy does or doesn’t cover for your pregnancy - so there are no surprises later. A good place to start is the PDS, or you can give your insurance provider a quick call if you have questions.

 In some case, the pregnancy may need to be declared as an Existing Medical Condition (EMC).

A few minutes of research now can help save a lot of stress later.

Travelling while pregnant can be possible* - it just takes a little extra planning. Whether you’re hopping on a short domestic flight or jetting off overseas, travel insurance for pregnancy can help protect you (and bump) from the unexpected.

Planning that trip before bub arrives? Check out 

Travelling while pregnant can still be an adventure with the right planning. Explore helpful tips, airline guidelines, health considerations, and ahm travel insurance options to help you feel prepared for the journey ahead.

Travelling while pregnant: why travel insurance might be your best travel buddy

Limits, sub-limits, conditions and exclusions apply.

This is general advice only. This product is distributed by Australian Health Management Group Pty Limited (ABN 96 003 683 298, AR 266711) and administered by Travel Insurance Partners Pty Limited (ABN 73 144 049 230, AFSL 360138). Travel insurance is underwritten by Zurich Australian Insurance Limited (ABN 13 000 296 640, AFSL 232507). Please consider your own needs and the 

 to decide if this product is right for you. For information on the Target Market and 

ahm.com.au/travel-insurance/forms-and-guides

Here’s a quick guide to a few familiar breeds - from the chill to the chaotic (in the best way):

 Known to some as the classic all-rounder. Labs are friendly, loyal, and always ready for a game (or a snack). Big hearts, big energy, and a love for tennis balls that borders on obsession.

 Small frame, big personality. These snorty little snugglers are equal parts couch potatoes and class clowns.

Usually smarter than all of us, honestly. Collies are focused, fast, and always one step ahead - usually wondering why you haven’t organized a group activity.

: A golden ray of sunshine. Gentle, goofy, and always up for a cuddle. You’ll rarely see a Golden without a grin… or something stolen in its mouth.

A little bundle of energy and affection. Curious, playful, and happiest when part of whatever’s going on around them.

Why your dog’s breed matters (for more than just cuddles)

Every dog breed usually comes with its own personality, energy, and some little quirks. Some pups prefer lounging on the couch, while others thrive on zoomies and staying busy - every breed’s got their own thing.

Knowing a bit about what makes your dog tick, can help make life with them even more entertaining - like figuring out why your Lab can’t resist every possum or why your Chihuahua runs the show like a tiny CEO!

Matching your dog’s personality with your lifestyle

Beyond the breed, a dog’s happiness often depends on how their energy and personality fit with your groove. Some pups may enjoy daily adventures and brain teasers, while others prefer slow mornings, long naps, and the occasional snack break. When your dog’s personality rhythm matches yours, life tends to run a bit smoother (and the tail wags usually follow).

Life’s full of surprises. Sometimes fun, sometimes not so much! Vet bills can pop up when you least expect it, which is where pet insurance might come in handy - helping you manage those unexpected furry friend mishaps.

Thinking about pet insurance? Thanks to ahm, you can get 

, just use the code AHM2MF when getting a quote before 7 May 2026. As a Petinsurance.com.au policy holder, you also get access to things like GapOnly®**, myPetPass^ and Live Vet Support~.

Whether you’re planning to welcome a new four-legged friend or just starting to explore dog breeds, knowing a bit about different breeds can be handy. Pet insurance may also help lend a paw with vet visits and those unexpected moments along the way.

The ultimate guide to dog breeds 

 policies entered into for the first time prior to 7 November 2023 and subsequent renewals of those policies are issued by The Hollard Insurance Company Pty Ltd ABN 78 090 584 473, AFSL 241436, arranged and administered by PetSure (Australia) Pty Ltd ABN 95 075 949 923, AFSL 420183 (PetSure) and promoted and distributed by PetSure’s Authorised Representative (AR) Pet Insurance Pty Ltd ABN 38 607 160 930, AR 1234944 (PIPL), Medibank Private Limited ABN 47 080 890 259, AR 286089 trading as ahm Health Insurance (ahm), and PIPL’s authorised distribution partners. Petinsurance.com.au policies entered into for the first time on or after 7 November 2023 and subsequent renewals of those policies are issued by PetSure and promoted and distributed by PetSure’s AR, PIPL, Medibank Private Limited ABN 47 080 890 259, AR 286089 trading as ahm Health Insurance (ahm), and PIPL’s authorised distribution partners. Any advice provided is general only and does not take into account your individual objectives, financial situation or needs. Please consider the Product Disclosure Statement (PDS) to ensure this product meets your needs before purchasing or choosing to continue with the product. 

Instead of paying the full amount upfront and then waiting to be reimbursed, GapOnly® allows you to claim on the spot, so you only pay the gap (the difference between the vet’s invoice and your eligible claim benefit) instead of the full bill upfront.

That said, any exclusions on your Petinsurance.com.au policy will still apply, whether or not you’re using GapOnly® to claim. Petinsurance.com.au policies don’t cover items such as:

Please note that this list is not exhaustive. Refer to the 

If you’re keen to explore what cover options are available, you can head online 

 and have a look at the different cover options available that might suit your furry friend.

How does GapOnly®** work with pet insurance?

If your vet offers GapOnly®, here’s the quick run-down:

When you and your furry friend visit the vet, just let your vet know you want to use GapOnly®.

Your vet will submit the claim on your behalf while you’re still in the clinic.

The claim is usually assessed within about 5 minutes.

Where eligible, you then just pay the difference between the total bill and what’s covered by the policy.

With GapOnly®, you focus more on the important stuff, like belly rubs.

Not all vet clinics are set up to offer GapOnly®, so it’s worth checking before you visit. If you’re not sure, simply ask your vet whether they participate in the program - they’ll be happy to let you know.

 to see which clinics near you are part of the network. This makes it easy to find a participating vet, whether it’s your regular clinic or a new one nearby.

Ready to explore pet insurance with GapOnly®**?

Whether your furry mate is pulling off impressive balancing acts or staging sneaky snack raids, unexpected vet visits can happen. GapOnly®** is available for Petinsurance.com.au policy holders, to help make those unexpected vet visits a little easier to manage.

Considering pet insurance for your furry friend? Thanks to ahm, you can get 

, just use the code AHM2MF when getting a quote before 7 May 2026. As a Petinsurance.com.au policy holder, you also get access to things like GapOnly®**, myPetPass^ and Vet Chat~.

Vet bills can catch you by surprise - much like your pet’s unexpected antics. GapOnly® works with eligible claims at participating vets. You pay the gap (the difference between the vet’s invoice and your eligible claim benefit) and off you go, which means that you can focus more on your furry friend.

A quick guide to GapOnly® pet insurance claims 

Not all pets are built for the nomadic lifestyle. Some adapt to travel like pros, others not so much. If your pet gets anxious in the car or has some health issues, taking them with you on holidays might not be the easiest option! That’s when a pet sitter and a comfy staycation at home could be the perfect alternative.

Not leaving home without them? Keep reading!

Before you hit the road (or runway), it’s helpful to check if your furry friend has the basics covered:

Bowls (collapsible ones can help make travelling easier)

If you’re driving, a pet seatbelt or travel crate can help with safety

When you’re booking a stay, try looking for spots that really roll out the welcome mat for your furry friend. Some let pets hang inside, others might be “outside only” stays. Checking size limits, extra fees and house rules beforehand may save you from any last-minute headaches and help keep tails wagging.


Road tripping with your dog (or cat)? Safety first.

In Australia, your furry copilot needs to be safely buckled up - no dogs on laps or cats roaming free through the car cabin. A pet seatbelt harness, carrier, or crate can help keep paws and claws cozy, which might help make the trip a bit smoother for everyone.


Flying with your pet? Some tips to help get them ready for take-off

If you’re thinking about flying with pets, it’s worth knowing that not all airlines treat pets the same - and most four-legged travellers usually fly in the cargo hold. You might need an airline-approved crate, and there could be some paperwork involved too. A quick chat with the airline you’re travelling with or your vet before you head off could help you and your furry friend be more prepared for the trip. 


Before you hit the road (or skies), it could be worth checking in with Live Vet Support~

Whether it’s a car trip or a short domestic flight, if you hold a Petinsurance.com.au, you get access to Live Vet Support~. With Live Vet Support, you can speak with an experienced vet via video call or online chat – you can ask for tips regarding motion sickness, necessary vaccinations, and guidance on any health paperwork you might need. You can also use GapOnly’s 

 to locate a participating vet nearby while travelling within Australia**. And with Petinsurance.com.au, you could claim up to 80% back on eligible vet bills⁺ so you can focus on taking care of your furry mate when it matters most.

Getting your pet ready for take-off (or road trip naps)

Travelling with your pet can be a mix of fun, cuddles, and chaos. Whether it’s a case of dodgy holiday snacks, a surprise vet visit or a bit too much excitement at the beach, pet insurance may help cover unexpected costs while you’re away. That way, you can focus on the fun stuff - not the bill.

, just use the code AHM2MF when getting a quote before 7 May 2026. As a Petinsurance.com.au policy holder, you also get access to things like GapOnly®**, myPetPass^ and Live Vet Support~. 

Planning a getaway with your furry friend? Whether it’s a weekend road trip or a longer adventure, travelling with pets can take a bit of prep. Here’s some tips on how to help keep tails wagging (and stress levels low).

A quick guide to travelling with pets 

The safety net you didn’t know you might need

Picture this: you’re hiking in the stunning Swiss Alps, enjoying the fresh mountain air, when...bam, your ankle gives out because you didn’t bother to invest in the fancy hiking boots your friend told you to pack. Ouch! Overseas medical costs can get pretty expensive, especially if you need to stay a few nights in hospital or need surgery. That’s where 

 comes in, it can help cover you for those unexpected medical expenses you didn’t see coming.

We’ve all had that moment when your bag decides to take its own detour, like hanging out in Bangkok while you’re in London. If your luggage has gone AWOL, don’t stress! ahm International Comprehensive travel insurance has things sorted. If luggage is delayed over 12 hours, essentials may be replaced up to $300 per item, with a total limit of $1,000. No need to worry about rinsing socks in a hotel sink. Crisis averted!

Don’t panic. If your luggage is permanently MIA, ahm travel insurance Luggage and Personal Effects benefit with International Comprehensive or Domestic cover has things sorted. Because let’s be honest - surprise, minimalism isn’t always fun!

When life throws you a curveball - sudden illness, family emergencies, or even a surprise natural disaster- travel insurance can be here to help... it may cover things like non-refundable flights and accommodation, making it easy to bounce back and plan your next trip. It’s like getting a do-over for your holiday!

Adrenalin seeker: more thrills, fewer bills

Planning on surfing, bungee jumping, or whitewater rafting? Feel confident exploring new adventures, knowing your policy can provide support if things don’t go as planned.

Not all travel insurance is the same, so don’t skip the fine print. Be sure to review your coverage to ensure it meets your needs during your trip and includes any activities you have planned. It’s like peeking at the secret menu - make sure you know what’s in store before diving in!

So, should you consider travel insurance?

Think of travel insurance as your ticket to helping have stress-free travels. It can be a small price to pay compared to the potential costs of unexpected emergencies. It’s like buying a little slice of calm for your trip. After all, stuff happens, even on holidays.

Planning your next trip? Whether you’re jetting off to Bali for some beach vibes, hitting the slopes in New Zealand, or exploring Europe, you might be wondering: 'Do I need travel insurance?'. Let’s break down the world of travel insurance and see if it’s the essential sidekick you should be considering!

5 ways travel insurance could help secure your trip

Before you dive into the travel insurance world, take a moment to map out your trip.

: Travel costs and healthcare vary by country. Check visa and health requirements for each destination to avoid any surprises!

: The length of your trip matters for travel insurance and most insurers require you to enter your dates of travel.

: Planning to hit the slopes or enjoy a cruise on the high seas? Be prepared by adding on any extra cover options that suit your itinerary.

Understanding these basics can help you choose the right travel insurance policy without all the added stress.

Now that you know some of what to consider, it’s time to find an appropriate option. Think of it as choosing the perfect holiday spot - this time, you’re comparing travel insurance policies.

Here’s what ahm Comprehensive travel insurance can offer:

ahm International Comprehensive cover includes unlimited^ overseas medical and hospital expense cover, because unexpected incidents or accidents can happen anywhere.

If things go sideways, even before you leave for your trip, ahm travel insurance cancellation cover can help you recoup some of those costs, so you’re not left completely out of pocket.

If your bags decide to play hide and seek, ahm travel insurance has you sorted - no more wearing the same outfit for days! ahm travel insurance policies can include cover for lost, damaged or stolen goods*. And for lost or stolen items, no depreciation applies for items less than 2 years old.

No matter the time or where you are in the world, you can call our team for 24/7 emergency assistance. ahm travel insurance is here to help with those "oh crikey" moments abroad.

 Give the policy details a good squiz. It’s like checking your travel plans and making sure you’re across the finer details.

 When buying travel insurance, make sure to fill out your quote with all the correct details. Accuracy is key to ensuring you get the coverage you need and avoid any issues down the road. Double-check your info to keep your trip smooth and stress-free!

 Grab your proof of insurance and make sure everything’s spot on. If you need to make any changes after you’ve purchased it, you can always get in touch with the ahm travel insurance team to help.

 Keep a copy of your policy handy while you’re jet-setting. And don’t forget to check any travel warnings and save the emergency contact numbers - better safe than sorry.

With everything sorted, you can kick back and enjoy your trip with less worries thanks to ahm travel insurance! 🌍✈️🗺️

Travelling should be a thrill, not a hassle, right? But sorting out travel insurance can sometimes feel like hunting for the exit in the shopping centre. No worries - ahm travel insurance is here to help!

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