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

  • A maximum coverage of $250 for child seats is the lowest of 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 - Up to $150 per day is offered for emergency accommodation, but many brands offer up to $1,000.

How does Ozicare compare with other car insurers?

We obtained quotes across a range of providers for a 30 year old male based in NSW.

5 of 5 results
Sample quote
Sample quote
$1,117.48
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Ozicare logo
Sample quote
$1,437.49
More info
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NRMA logo
Sample quote
$2,166.09
More info
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AAMI logo
Sample quote
$2,075.50
More info
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Allianz logo
Sample quote
$1,917.48
More info
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Compare Ozicare's policies

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Finder Score Accidental damage Roadside assistance Fire and theft New Vehicle Replacement Hire car after theft
Ozicare logo
Finder Score
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Optional
  • If your car is written off in the first 12 months or is under 20,000kms
  • Up to $1,000 - Up to 14 days
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    Ozicare logo
    Finder Score
    Finder Score
    Optional
  • Up to $1,000 - Up to 14 days
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    Ozicare logo
    Finder Score
    Finder Score
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    Finder Score for car insurance

    We analyse over 30 car insurance products across insurance providers, and rate each one for price and features. We collect up to 36 quotes per product, for male and female drivers in New South Wales, Victoria, Queensland, South Australia, Tasmania and Western Australia. Quotes are collected for 20 year olds, 30 year olds and 60 year olds, assuming an excess of $850 for a 2020 Toyota Corolla 4 door sedan model, with an average 15,000 kms driven each year. We use your responses to our quiz to pair you with the closest price profile and while we are not allowed to display actual quotes, our price score aims to serve as an indicative guide to how cost competitive a product might be for you.

    Our feature score assesses each product for more than 15 features across loss and damage coverage, repairs and assistance coverage, personal items coverage and policy coverage. Features we assess include but are not limited to legal liability, essential repairs, new car replacement, car hire events, roadside assistance, agreed or market value, windscreen damage and natural disaster coverage.

    Depending on your answers to our car insurance quiz, we upweight the relevant price score or feature score to generate a dynamic Finder Score (80% weighting on the primary selection between Price or Feature). Finder Score, Price Score and Feature Score are only to be used as indicative guides and are not product recommendations.

    Read the full methodology

    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.

    FAQs

    Sources

    Nicola Middlemiss's headshot
    Journalist

    Nicola Middlemiss is a journalist with nearly a decade of experience in personal finance and insurance. She has contributed to Domain, Yahoo Finance, Money Magazine and Insurance Business Australia, offering in-depth insights into commercial insurance in the Australian market. Nicola holds a Bachelor’s degree in English from the University of Leeds and a Tier 1 General Insurance (General Advice) certification, which complies with ASIC standards. See full bio

    Nicola's expertise
    Nicola has written 257 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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