Save with our Pay As You Drive Cover

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

How it works:

  • Choose the KMs you think you'll drive this year
  • Share your odometer reading within 14 days
  • And if you need, buy more KMs later

Get a quote


What's included

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New for old car replacement

If you're the first registered owner of a car that's under 2 years old, and we write it off, we'll replace it with a new one.

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Flexible excess

You can choose a higher excess to reduce your premium.

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Theft and damage cover

We’ll cover you for damage or loss caused by theft, attempted theft, collision, fire and natural events.

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Emergency travel and accommodation

If your car can't be safely driven after an accident, we'll pay up to $500 for accommodation and travel, if you're over 200km from home.

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Up to $20m liability cover

We cover you for damage to someone else’s vehicle or property of up to $20 million.

Cover is subject to terms, limits and exclusions. You should carefully read the Car Insurance combined PDS and FSG and consider the TMD to help you decide if the product is right for you.

Get a quote

Important information

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

Optional Extras

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Pay As You Drive Cover

Pay As You Drive Cover for those who drive less than 15,000km a year. Apply to top up your KMs anytime.

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Excess-free kangaroo cover

No excess when we accept your claim for the first animal collision in a period of insurance.

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Excess-free windscreen cover

No excess to replace one damaged front windscreen in a period of insurance.

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Hire car cover

Cover for the cost of a car hire if we accept a claim relating to theft or damage.

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Sports gear cover

Up to $3,000 cover for any one claim if loss or damage is caused by an insured event.

Cover is subject to terms, limits and exclusions. You should carefully read the Car Insurance combined PDS and FSG and consider the TMD to help you decide if the product is right for you.

Download PDS

Top questions from our members

You can choose an excess from $500 to $5,000. Just make sure you choose something you can afford to pay in the event you need a claim.

An excess is the amount of money you pay towards the cost of any claim. See your excess as a contribution you are making towards your claim. The excess reduces your premium to make it more affordable.

When an excess applies, you have to pay your basic excess plus any applicable additional excess(es).

You won't have to pay an excess if the damage to your car was caused by another car and you were not at fault, and we have the details of the other party.

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 license.

Internationally licenced 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 licence conditions.

Although you are not required to list all drivers of your car on your policy's certificate of insurance, it's important to understand that an additional excess does apply for a driver of your car if they are not listed and under the age of 25.

You can choose to pay monthly or yearly for your car insurance. Monthly payments are slightly more expensive.

A safe driving history will go a long way. But choosing Pay As You Drive Cover or a higher excess that you can afford can also help reduce the premium you'll pay. Simply get a quote and choose the options that are best for you.

As you sign up, you can buy between 1,000km to 15,000km 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 bought; and
  • your end odometer reading

Don't worry, if you think you'll drive more than the number of kilometres that you bought, you can apply to top up your kilometres during the term. Just keep in mind that we'll need to adjust your premium, too.

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. Subject to conditions and additional premiums. See our PDS for more details.