Make a claim
Popular Searches

We've been helping Australians for 100 years

Learn more

Should I drive my car, motorcycle or scooter after an accident?

You should only drive your car, motorcycle or scooter if it's in a condition that's safe for you and any passengers. Don't drive your vehicle if:

  • The lights or brakes aren't working
  • It's difficult to get in or out
  • The bodywork is damaged and could cause injury or interfere with driving
  • There are leaking fluids or signs of engine damage.

If your vehicle isn't safe to drive (after an incident we cover) and your policy covers towing, call us 24/7 on 132 132 and we'll arrange a tow for you.

To see what's covered by your policy, read the Policy Disclosure Statement (PDS) on our policy booklets page.

How helpful was this answer?

More FAQs

We cover anyone who drives your car, even if you haven't listed them on your policy.1

However, your excess may be affected if a driver isn’t listed.

  • An additional excess (known as an undisclosed driver excess) applies where a driver is 25 years of age or older and is not listed on your policy
  • A higher additional excess (known as an undisclosed driver age excess) applies if the unlisted driver is under 25 years of age
  • You won't have to pay either of these additional excesses if the driver is listed on your policy.

Special note for learner drivers:

You don't need to list learner drivers on your policy. Instead, we base any excess related to a claim when the vehicle was driven by a learner driver on the excess of the supervising driver. This excess may be higher if the supervising driver is not listed on your policy.

Things you should know

1 Cover is subject to standard underwriting guidelines and policy terms.

See more

We pay the cost of towing your damaged caravan. We must agree to pay the costs of the towing before they are incurred.

For more information about what's covered, what's not and terms and conditions, read the Product Disclosure Statement (PDS) on our policy booklets page.

Important note for customers in NSW, Queensland, Tasmania and the ACT:

If your policy was

  • First purchased before 21 April 2024 and not yet renewed
  • Last renewed before 1 July 2024

your cover will be different. Call us on 132 132.

See more

Sometimes damage ends up costing less than paying the excess. You can have your vehicle assessed before you decide if you want to go ahead with the claim.

We can help you find a repairer most convenient to you to assess the damage. If you don’t want to continue, you can always withdraw the claim without having to pay any excess.

You can start a claim by calling us on 131 123 anytime, 24/7.

See more

First check to make sure everyone's OK and ring 000 in case of injury or hazard.

If your car can't be driven (after an incident we cover) and your policy covers towing, call us 24/7 on 132 132 and we'll arrange a tow for you.

To see if you're covered for towing, read the Policy Disclosure Statement (PDS) on our policy booklets page.

If another car is involved, it's important to try and get the other driver's details. If you can, ask for their:

  • Name
  • Address
  • Licence number
  • Car's registration number

It's also helpful to take photos of the damage to both cars.

See more

No. Your car or caravan won’t be covered while being used by another driver as part of any vehicle sharing service. However, you are still covered while you are the person driving the car.

When you apply for car or caravan insurance, we’ll ask you how often your vehicle is used for vehicle sharing. If it’s used for shared services more than 50% of the time, we may not be able to offer insurance.

See more

We cover damage caused by water leaking or escaping from:

  • House gutters
  • Pipes and drainpipes
  • Baths and toilets
  • Appliances (such as washing machines and dishwashers)
  • Aquariums
  • Water tanks
  • Swimming pools.

Read the Product Disclosure Statement (PDS) on our policy booklets page for more information.

See more