Car Insurance

How do I get a quote for OnePath’s Car Insurance in Australia?

• Get a Car Insurance quote online
• Call Customer Services on 132 062, weekdays from 8am to 8pm (Sydney time)

How long does it take to become insured?

You can be rest assured you will have immediate cover. The date your car insurance cover commences will be shown on the Policy Schedule we will send you.

What if I change my mind? Do you offer a money back guarantee?

You have 21 days from the commencement date displayed on your Policy Schedule to be sure you have the right car insurance cover. If it is not the cover you require, you can cancel the insurance policy. You will receive a full refund of the premium paid, providing you have not made a claim.

How can I renew my vehicle insurance policy?

To renew your existing car or vehicle insurance policy, we will send you a Renewal Schedule approximately six weeks before your policy is due for renewal. You will then need to follow the payment instructions on your Renewal Schedule to renew your car insurance policy.

If you pay your car insurance by the month, your insurance policy will be automatically renewed. You will need to contact us if you would like to discontinue your direct debits.

How can I pay my car insurance premium?

You may pay your Car Insurance premium by any of the following methods:

• Credit card
• Direct debit from a nominated bank account

You can also choose to pay your premium in monthly instalments by direct debit from a cheque or savings account or from your credit card, at no extra cost.

Can I pay by instalment?

You can choose to pay your Car Insurance premium in monthly instalments, by direct debit from a cheque or savings account, or from your credit card.

What if I have to make a car insurance claim?

To make a car insurance claim in Australia with OnePath, call Customer Services on 132 062 (24 hours a day, 7 days a week) when something happens that you believe you can claim for.

What happens if my car is involved in an accident?

When your car is damaged in an accident, we can provide you with recommended repairers ready to start work on your car as soon as possible assist in arranging for your car to be towed, if your car cannot be driven.

It is important to not repair or replace any damaged property without our consent.

What happens if a claim is made against me?

Contact us as soon as possible if a vehicle insurance claim is made against you. Car Insurance includes up to $20,000,000 liability cover for damage to other people's property as a result of an accident.

My car has been stolen or vandalised. What should I do?

You must advise the nearest police station if your car or any of your property has been lost, stolen, vandalised or maliciously damaged.

Please keep any property that has been damaged so that we can inspect it at a later date.

What is Comprehensive cover?

Comprehensive car insurance will cover you for:

• loss or damage to your vehicle legal liability for loss or damage to another person's property

What is Third Party Property Damage, Fire & Theft insurance?

Third Party Property Damage, Fire & Theft cover will cover you for:

• loss or damage to your vehicle by fire or theft
• legal liability for loss or damage to another person's property

What is Third Party Property Damage cover?

Third Party Property damage cover will cover you for:

• legal liability for loss or damage to another person's property

What is the difference between 'Agreed Value' and 'Market Value'?

Agreed Value is the fixed amount we agree to insure your vehicle for as shown on your current schedule.

Market Value is the amount of money it would cost to replace your vehicle in your local area with the same make and model at the time of a total loss. We will take into account the condition of your vehicle.

Is my trailer insured?

Insurance is provided for box trailers up to $1,000 for loss or damage whilst the trailer is attached to your vehicle. Trailer insurance cover is not available with Third Party Property Damage, Fire & Theft or Third Party Property Damage.

Do you offer a windscreen cover option?

Our Comprehensive cover provides you with an option to cover one broken windscreen or window, in any one year, without having to pay an excess or penalise your No Claim Bonus.

Do you offer a new car replacement?

If you choose Comprehensive cover or Third Party Property Damage, Fire and Theft cover and your car is stolen or destroyed when it is:

• less than two years old and has not travelled more than 30,000 km,
• greater than two years old, but less than three years old and has not travelled more than 50,000kms; and:
• you are the original owner,
• your vehicle was originally insured for the purchase price.

We may replace your car with a new one, including the cost of registration and dealer delivery.

I have Comprehensive car insurance. What happens if I have an accident?

Vehicle return - We will pay up to $500 to return your car where we have authorised repairs more than 100km from where you live.

Emergency repairs - We will pay up to $500 for emergency or temporary repairs so you can drive your car home after an accident.

Towing - We will pay the reasonable cost for your car to be towed to the nearest repairer or place of safety after an accident.

How can I reduce my vehicle insurance premium?

There are three ways you can reduce your car insurance premium. For more information see our cover options.

What does No Claim Bonus mean?

A No Claim Bonus is a discount on your car insurance premium.

Depending on your claims history, your No Claim Bonus can either:

• Increase up to our maximum No Claim Bonus of 60%
• Decrease
• Remain the same

If your car is involved in an accident, your No Claim Bonus will not be affected if:

• we decide the accident was not your fault, and you provide us with the name, current residential address and vehicle registration of the person who caused the accident
• your claim is for damage caused by a storm or other naturally occurring event.

If you make a claim and we decide that you are at fault, your No Claim Bonus will be affected and may be reduced when you renew your Policy.

What if I upgrade to Comprehensive cover from Third Party Property Damage cover - am I entitled to a No Claim Bonus?

We will still need to assess your No Claim Bonus entitlement based on your driving history that is, number of years of driving experience, and number and type of claims in that period.

I've been driving a company car for the last few years. Will you give me a No Claim Bonus?

We will still need to assess your No Claim Bonus entitlement based on your driving history that is, number of years of driving experience, and number and type of claims in that period.

Do you offer a hire car?

If your vehicle is stolen, or if it is unsafe to drive as a result of theft or attempted theft, we will pay up to $75 per day (inclusive of GST) for up to a total of 14 days for the cost of a hire vehicle from the time the theft or attempted theft occurred.

We will only cover the cost of a hire vehicle:

• until your vehicle is recovered and repaired, or
• until we settle your claim if your vehicle is a total loss

up to a total of 14 days, whichever is the shortest period of time.

For all other incidents, you can purchase the optional hire car feature. This cover is not available with Third Party Property Damage cover.

What are the main benefits of OnePath’s Car Insurance?

Click here to see what you’re covered for.

What if my contact details change or I modify my car?

If your contact details or insurance needs change when you are insured with us please call 132 062, weekdays from 8am to 7pm (Sydney time).