No – as long as:

1. We decide the driver of the other vehicle was entirely at fault, and
2. You provide us with, or we obtain, the at fault driver’s details (full name, address, and vehicle registration).

Yes – as long as:

You select ‘business use’ when buying your policy; and

It is not used for any of the following:

1. 1. carrying passengers or other people’s goods for payment
   2. driving tuition for payment
   3. hiring the car to other people.

When you sign up to a policy, the Certificate of Insurance, Policy Documents and Product Disclosure Statement (PDS) is sent to you via email. If you require a copy, please contact our customer service team.

You must list any household members (including learner, provisional and occasional drivers) who may drive the car. Unlisted household members won’t be covered.

Any non-household members who drive the car are automatically covered. If you list them on your policy, you’ll avoid having to pay the unlisted driver excess (other excesses may apply).

People who are covered when driving your car are categorised as either:

1. Regular Driver: The person who drives the car the most and is listed as the regular driver on your policy.
2. Listed Drivers: People who also drive your car, but less often than the regular driver. They are listed as drivers on your policy.
3. Unlisted Drivers: People who might drive your car, but aren’t noted as drivers on your policy. There is an additional unlisted driver excess in the event of a claim if you decide not to list a driver. Note that in some circumstances unlisted drivers won’t be covered, e.g. if they are a household member.

Our insurance partner, Auto & General may be able to assist you.

• If you are experiencing domestic or family violence and wish to seek assistance with respect to your policy from the Insurer, please click here for the Insurer’s Family Violence Policy.
• If you wish to speak to a consultant about your situation, please call 1800 724 678. Please note our consultants may be able to make any changes required to your policy information and provide you with useful information which may assist you with your situation.
• Your Insurer may also provide you access to several professional organisations who offer support beyond insurance. Please click here for more information.

A no-claim discount (NCD) is a discount on your Comprehensive Car Insurance premium that increases each year you don’t make an at-fault claim (it’s alsosometimes called a no-claim bonus or no-claims entitlement). The more consecutive years you’re insured and remain claim-free, the bigger your discount.

Our NCD is capped at 5 years. When you reach this ceiling, we apply the maximumno-claim discount (Rating 1). Ratings start at 6 and decrease for every consecutive year you don’t make a claim, the lower your rating, the bigger your discount.

Full details on how your No Claims Discount works is available in our Car Insurance Premium, Excess and Discount Guide.

Our insurance is underwritten by Auto & General Insurance Company Limited (Auto & General) who is a member of the Insurance Council of Australia and a signatory to the General Insurance Code of Practice (the Code). By signing up to the Code, they promise to act in an open, honest and fair manner in all their dealings with customers.

Auto & General and Catch Insurance are committed to helping our customers better understand their rights when buying insurance, making claims, resolving a complaint, or experiencing financial hardship.

General insurers’ compliance with the code is monitored and enforced by an independent body called the Code Governance Committee (CGC). Customers can report suspected breaches to the CGC, which then investigates and, if necessary, agrees with the insurer on corrective measures within set timeframes. Any failure to correct a breach can lead to CGC sanctions, which are binding on insurers.
A copy of the code can be accessed by visiting http://codeofpractice.com.au/

When lodging a claim, we encourage you to tell us if you need support in paying your excess. Depending on your circumstances, you may be eligible for Financial Hardship support. An overview of the steps to apply for financial hardship support provided by our insurance partner (Auto & General) are outlined here.