Pay As You Drive Cover is Comprehensive Insurance for those who spend less time behind the wheel.

As you sign up, you can purchase between 1,000 km and 15,000 km per year, depending on how many kilometres you think you'll drive during the period of insurance.

We'll then ask you for your start odometer reading within 14 days of the start date of your policy. Your end odometer reading will be your start odometer reading plus the number of kilometres you purchased.

Your Certificate of Insurance will show:

• the start odometer reading you gave us;
• the number of kilometres you purchased; and
• your end odometer reading

Don't worry, if you think you’ll drive more than the number of kilometres you bought, you can apply to top up your kilometres during the term. Just log in to your car insurance account to make the change. Keep in mind that we'll need to adjust your premium too. Check out our PDS for more details.

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, a $1,000 additional excess will apply.

Make sure you give us your start odometer reading within 14 days of the start date of your policy. If you need to make a claim after this time and you have not given us your start odometer reading, the $1,000 additional excess will apply. 

Lucky for you, we’ve done the hard work for you. We work closely with a network of repairers to provide you with quality repairs in a timely manner. We’ll arrange for repairs with a member of our trusted network.

You can view our car repairer network(opens in a new tab) across Australia here.

We insure licensed drivers as well as learner drivers, as long as they are older than the minimum age listed on your Certificate of Insurance and are following the requirements of their learner licence.

Internationally licensed drivers are also insured, as long as the road traffic authority in the state or territory that they drive the car in recognises the international licence and the driver complies with their license conditions.

This depends on a few things like the type of cover you need, the make/model of the car you’re insuring, how many KMs you drive every year. You can also choose an excess option to suit your budget needs, which will affect the premium. It’s best to get a quote and see what suits your needs.

The choice is yours to pick an excess from $500 up to $5,000. If you opt for a lower excess your premium will be higher, and vice versa, so choose which suits your lifestyle best. Make sure you keep in mind what you can afford in the event you do need to claim