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Ozicare car insurance review

Ozicare’s premiums are cheaper than average, but some benefits and limits are also on the low end.

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Ozicare

Our verdict

Pros

  • Ozicare's annual premiums were around $200 cheaper than average.
  • Young drivers can find a particularly good deal at Ozicare.
  • Drivers can pay monthly at no extra cost.

Cons

  • Up to $250 is covered for child seats - this is lower than any other brand we compared.
  • Ozicare's rental car benefit is fairly low, at a maximum of Up to $1,000 - Up to 14 days.
  • Up to $600 is offered for emergency accommodation, but many brands offer up to $1,000.

How does Ozicare compare with other car insurers?

Ozicare offers cheaper-than-average policies, but its benefits are also on the lower end of the scale in terms of coverage in comparison to other car insurers.

Features

Name Product Choice of repairer New Car Replacement Roadside assistance Hail, storm and flood damage
Ozicare Comprehensive
Optional
  • If your car is written off in the first year or is under 20,000 km
  • Optional
    Budget Direct Comprehensive
    Optional
  • If your car is written off in the first 2 years or 40,000 km
  • Optional
    Finder's summary: The 2024 winner of our Best Value Car Insurance award. It's cheaper than most, plus you can lower costs by adding age restrictions.

    ⭐ Current offer: 15% off your first year's premium when you take out a policy online. T&Cs apply.

    Who it might be good for: Anyone who wants a good value policy.
    NRMA Comprehensive
    Optional
  • If your car is written off in the first 2 years
  • Optional
    AAMI Comprehensive Car Insurance
  • If your car is written off or stolen in the first 2 years
  • Optional
    Finder's summary: AAMI's comprehensive policy includes cover for legal modifications and accessories and up to $20 million cover for damage to other people's property. Optional extras like windscreen and window glass cover is also available.

    ⭐ Current offers: Save $50 when you buy a new comprehensive car insurance policy online. T&Cs apply.

    Who it might be good for: Safe drivers can benefit from the AAMI Safe Driver Rewards® program.
    Allianz Comprehensive
  • If your car is written off or stolen in the first 2 years
  • Finder’s summary: Allianz is good if you want agreed value (this lets you agree on an amount to cover your car for). For a big insurer, it also has a strong customer service record.

    Who it might be good for: Anyone who wants good customer service and agreed value cover.
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    Price

    While Ozicare offers cheaper car insurance than average, and young drivers can find particularly good deals, there are still some more budget-friendly options available. Price comparison data from the 2024 Finder Insurance Awards found that, on average, an annual comprehensive car insurance policy from Ozicare is $1,140 - that's below the average of $1,363.

    Keep in mind, the best car insurance for you may be based on more than price.

    InsurerNSWQLDSATASVICWAAustralia averageApply
    Ozicare Logo$1,301$1,093$1,132$946$1,360$1,006$1,140More info
    Budget Direct Logo$1,148$941$978$829$1,180$880$992Get quote
    youi$1,640$1,307$1,087$1,155$1,599$1,363$1,359Get quote
    NRMA logo$2,027$1,154$1,038$1,004N/A$1,034$1,043More info
    AAMI$1,884$1,106$1,015$985$1,318$1,002$1,218More info

    About our car insurance methodology

    Compare Ozicare's policies

    1 - 3 of 3
    Name Product Accidental damage Roadside assistance Fire and theft New Car Replacement Hire car after theft
    Ozicare Comprehensive
    Optional
  • If your car is written off in the first year or is under 20,000 km
  • Up to $1,000 - Up to 14 days
  • Ozicare Third Party Property, Fire and Theft
    Optional
  • Up to $1,000 - Up to 14 days
  • Ozicare Third Party Property Only
    Optional
  • loading

    What additional cover options are available?

    Ozicare offers a range of customisation options so you can tailor your policy, including:

    • Accident Hire Car. Extend your hire car coverage to any insured event.
    • Reduced Window Glass Excess. Reduce the excess payable if you claim for damage to the front, rear or side windows.
    • Choice of Repairer. Choose the service provider to repair your car, rather than using a mechanic from Oziare's preferred network.
    • No Claim Discount Protection. Make one claim in a year, without losing your No Claim Discount.

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    FAQs

    Nicola Middlemiss's headshot
    Senior writer

    Nicola Middlemiss is a contributing writer at Finder, with a special interest in personal finance and insurance. Formerly a business and finance journalist, Nicola has written thousands of articles helping Australians better understand insurance and grow their personal wealth. She has contributed to a wide range of publications, including Domain, the Educator, Financy, Fundraising and Philanthropy, Insurance Business, MoneyMag, Mortgage Professional, Yahoo Finance, Your Investment Property, and Wealth Professional. Nicola has a Tier 1 General Insurance (General Advice) certification and a Bachelor's degree from the University of Leeds. See full bio

    Nicola's expertise
    Nicola has written 238 Finder guides across topics including:
    • Personal finance
    • Personal insurance, including car, health, home, life, pet and travel insurance
    • Commercial business insurance

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