Flexible car insurance

Whether you’re driving thousands of kms, or just a few, we’ve got cover to suit.

  • Instant cover - get set up with a policy in minutes
  • Flexible excess - adjustable excess options to suit different budgets
  • 24/7 emergency help - because accidents don't just happen from 9-5
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ahm and Medibank health members get up to 15% off!

car keys

Drive less? Save more.

If you drive less than 15,000 km a year, our Pay As You Drive Cover could save you up to 30% compared to our regular comprehensive cover.

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Choose cover that works for you

Comprehensive cover

Protection for your car, and cover in case you damage someone else’s car or property.

What’s included


You can choose to opt for a higher excess and reduce your premiums.

Up to $20m liability cover

We’ll pay up to $20 million if your car damages someone else’s vehicle or property.

24/7 emergency help

Call us any time. We’re always here to help you stay safe and organise your car to be towed, no matter the time.

Additional benefits

Cover for trailers, caravans, personal property, child safety seats and more.

Theft and damage cover

Cover for damage or loss caused by theft, attempted theft, collision, malicious damage, fire, and natural events.

New for old car replacement

We’ll replace your car with a new car of the same value if it’s under 2 years old, has been written off and you’re the first registered owner or the car was a dealer demonstrator model when you bought it.

Add ons

Pay As You Drive Cover Cheaper!

Simple cover for when you don’t spend too much time behind the wheel.

Roadside assistance

Essential roadside assistance to get you back on the road.

This is a separate service provided to you by Allianz Global Assist. Read the Roadside Assistance Terms & Conditions(opens in a new tab)

Hire car

We’ll help with the bill for a hire car if your claim for theft or damage is covered.

Kanga cover

We’ll repair or replace your car, excess-free, for your first animal collision claim each year.

Sports gear cover

Up to $3,000 to cover your sports gear while it’s in, or on, your car.

Excess-free windscreen

We’ll repair or replace your windscreen, excess-free.

Easy claiming 24/7

Most claims can be lodged online 24/7. In some cases you’ll even get a decision within minutes.

Need a quick answer?

Find out more about our car insurance product, how to make a claim and how to manage your policy.

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Common questions

Things you should know

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 and consider the Target Market Determination to help you decide if the product is right for you.


The up to 15% discount for ahm car insurance consists of 2 parts. A 5% new policy discount, applies for the first year of the policy only. ahm and Medibank health members receive a further 10% off, applies each year for the life of the policy. Minimum premiums may reduce savings discounts. We reserve the right to withdraw or extend this discount at any time.


Benefits subject to terms and conditions, including exclusions and limits (and sub-limits) of the insurance policy. When making decisions about the product you should always refer to the Product Disclosure Statement and Financial Services Guide and the relevant Target Market Determination.


Not all claims will receive a decision in minutes. Actual experience and outcome will vary depending on the circumstances and information provided.