Benefits of TrueCover Drive Less Pay Less Car Insurance
Drive less?
Pay less
TrueCover considers how many kilometres you drive — so driving less means paying less.
Roadside assistance
Our TrueCover Assist experts provide fast assistance with breakdowns, batteries, tyres and more.
Lifetime guarantee
Enjoy a lifetime guarantee on authorised repairs made through our preferred repairers.
24/7 claims
You can lodge or track your claim online at any time. Around the clock emergency claims phone support.
Customise your cover
Tailor your policy with a choice of optional covers, agreed value, excess and flexible payments.
14 day cooling off
Cancel your policy within 14 days for a full refund, provided you haven’t made a claim.
Included for your peace of mind
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Loss or damage to your car
From collision or impact, malicious damage, fire, storm, hail, flood, theft or attempted theft.
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Pay less if you drive less
Retired? Working from home? Second car? Low kilometre drivers are rewarded with fairer premiums.
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Loss or damage to third party property
Up to $20 million of cover for damage your car causes to the property of others.
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Lifetime guarantee on repairs
We provide you with a lifetime guarantee against defective works or parts if we authorise the repairs to a preferred repairer.
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24/7 claims
Stress-free claims, with a 24/7 emergency hotline, online claim tracking and a local team here to keep you moving.
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TrueCover Assist
Rapid help with breakdowns, batteries, fuel and tyre issues. This service is included with every TrueCover insurance policy.
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No maximum driver age
Drivers are eligible for coverage, irrespective of their age, if they are licenced under their state’s licencing rules.
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New for old replacement
If your new car is a total loss, we will replace your car and pay the associated on-road costs.
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Towing and storage
After an incident, we will pay the reasonable cost of towing and storing your car at a repairer or place of safety.
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Emergency repairs
We cover up to $500 for emergency repairs arising from an incident.
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Hire car after theft
If your car is stolen, we will cover a hire car for up to 20 days, up to a daily rate of $50 per day.
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Unbraked trailer and caravan
We’ll pay $500 towards damages or losses caused to your unbraked trailer or caravan towed by your car.
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Ambulance after accident
This additional service provided with your insurance policy covers the cost of an ambulance after an accident.
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Funeral and death benefit
We will pay the estate $10,000 if a listed driver passes away as a direct result of an incident.
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Taxi home after accident
We cover up to $100 per claim for personal transport from the place of the incident.
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Choice of agreed value
You choose how much to insure your car for, giving you peace of mind if your car is written off.
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Choice of standard excess
Tailor your policy by selecting your standard excess. A higher excess will lower your premium.
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Pay annually
We will soon offer the flexibility to pay your premium upfront or by the month.
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14 day cooling off period
If you cancel your policy within 14 days and haven’t made a claim, you are entitled to a full refund.
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Hire car cover (optional)
If your car is involved in an incident, we will cover a hire car for up to 20 days, up to a daily rate of $50 per day.
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Car contents cover (optional)
We will cover up to $2,000 for the loss or damage to personal belongings during an incident.
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Windscreen cover (optional)
Up to $1,000 for the repair or replacement of your front windscreen damaged during an incident, with a reduced excess of $50.
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Terms, conditions, limits, exclusions and eligibility criteria apply. Please refer to the Product Disclosure Statement and TrueCover Assist T&Cs for full details.
Why TrueCover
For People, Not Profit
Our customers are at the heart of everything we do. Instead of paying profits to shareholders, we keep your premiums affordable.
Friendly, Local Call-Centre
We are here 24/7 to keep you moving. Our dedicated team is by your side to help you with warmth and expertise.
TrueCover. True Value.
Our tailored products include extra features that offer both peace of mind and better value for money.
Car Insurance FAQs
View all FAQsWhat is TrueCover Drive Less Pay Less car insurance and how does it work?
Many Australians drive far less than the average 12,000 km a year. TrueCover Drive Less Pay Less Car Insurance is ideal for low km drivers—whether you work from home, are retired, or use your car occasionally on weekends or holidays. When you get a quote, simply nominate your expected annual kilometres. Your premium is based on this—drive less, pay less. And if your lifestyle changes, our friendly team can easily update your declared kilometres anytime.
How are TrueCover policies tailored to seniors and pensioners?
TrueCover designs its policies to better match the needs of seniors and pensioners. That’s why we include things in our car insurance that may be important to you, such as:
- Roadside assistance (TrueCover Assist) is provided with all our car insurance policies. You only need to know the one phone number if you need help (1300 800 900).
- We do not have an arbitrary maximum driver age or limit coverage based on advanced age. We cover any senior driver with a valid Australian driver’s licence, subject to our standard underwriting criteria.
- We provide ambulance cover after a motor vehicle accident.
- For your peace of mind, we provide funeral and death cover for the driver and passengers of the car.
- We have an Australian contact centre based in Sydney. You can call us and speak to a real person that really cares, on 1300 800 900. If you prefer, you can also reach our team via webchat and video calls.
- We offer a range of optional features so your policy can be customised and you only pay for the things you need.
- We offer a lifetime guarantee on authorised repairs, as well as 24/7 emergency claims phone support.
Please refer to your Product Disclosure Statement (PDS) for further details as limits, excesses and exclusions may apply. If you would like more information, please call us on 1300 800 900.
How do I change the declared kilometres on my policy?
If your driving habits change and you expect to drive more or less than the declared number of kilometres on your policy, please give our friendly team a call on 1300 800 900 and we will take care of the rest. If you prefer, you can also reach us via email, webchat or video call through our website.
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