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Pay As You Drive Cover

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Driving less? Save more. If you're driving less than 15,000kms a year, our Pay As You Drive Cover could save you up to 30%^ compared to our regular Comprehensive cover.

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ahm & Medibank health members get 10% off¹

We money car insurance award

Award-winning car insurance!

Turns out, we're pretty good at car insurance. WeMoney(opens in a new tab) just named ahm car insurance Best for Flexibility 2026 - alongside our Best Value wins in 2024 and 2025. Three years, three awards.

Why Pay As You Drive Cover?

It's usually cheaper

Pay As You Drive Cover^ is usually cheaper than our standard Comprehensive Cover, because you're only paying for the KMs you plan to drive.

Cover that fits your lifestyle

Choose the number of kilometres that best fits your lifestyle and driving habits, rather than paying for KMs you don't drive.

A little extra flexibility

Life changes. You might drive less this year, or more next. With Pay As You Drive Cover^ you can top up the KMs you plan to drive to suit your needs.

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How Pay As You Drive Cover works

1

Start a quote and pick your KMs

When taking out an 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

Check your certificate of insurance

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

4

Need more KMs? Just top up

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.

Need help choosing cover?

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For emergency assistance call (+61) 2 4062 8737
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If you have ahm Roadside Assistance as part of your policy and need help, call us directly on (+61) 2 7247 1062

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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.1ahm and Medibank health members who hold an eligible private health insurance policy at the time of first taking out a car and/or home insurance policy receive 10% off their insurance premium, applying each policy term while remaining an ahm or Medibank health member. Discount(s) does not apply to taxes, government charges, fees or optional non-insurance services (e.g. roadside assistance). We reserve the right to withdraw or extend this discount at any time.2Benefits 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.^Saving of up to 30% derived from premium comparisons between ahm unlimited kilometre comprehensive car cover option and ahm Pay As You Drive comprehensive car cover option. Calculations based on a sample of profiles of existing ahm car insurance customers who advised they drive under 15,000 km annually. Current as at 10 September 2025. Actual savings are determined by your individual circumstances, including the kilometres selected, excess chosen and other risk factors. Kilometres can be increased during the policy period, an additional premium is payable. In event of an accident and the end odometer reading is exceeded or is below the start odometer reading on your Certificate of Insurance, an additional excess may be applied.