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.

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 $1,362.

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
$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

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Product Finder Score Accidental damage Roadside assistance Fire and theft New Vehicle Replacement Hire car after theft
Ozicare logo
Finder Score
Finder Score
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
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    Ozicare logo
    Finder Score
    Finder Score
    Optional
  • Up to $1,000 - Up to 14 days
  • More info
    Compare product selection
    Ozicare logo
    Finder Score
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  • More info
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    Finder Score for car insurance

    We analyse over 80 car insurance products and rate each one on price and features. What we get out the other end is a nice round number out of 10 to help you start comparing.

    To make sure we're comparing apples with apples, we collect quotes for 8 different personas and analyse different car insurance features. Our team then does some fancy maths to get the Finder Score, taking both price and features into account. We analyse comprehensive, third party fire and theft and third party property damage products individually.

    Read the full Finder Score 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.
    • No Claim Discount Protection. Make one claim in a year, without losing your No Claim Discount.

    FAQs

    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 251 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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