Why choose Oceania Insurance?

Easy-Breezy Digital Insurance

Our digital chat and policy management makes insurance simpler, faster, and more efficient.

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20+ Years of Aussie History Behind Us

We’re backed by Auto & General, who have walked the walk in Australia since 2000.

Learn more about Auto & General

Find Answers 24/7

No matter what time of day, our online systems can support you through managing and renewing your policy, or making a claim.

Car Insurance Made for Aussies

Most Popular

Digital First Comprehensive

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Digital First Third Party Property, Fire & Theft

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Digital First Third Party Property Only

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Included Benefits
Loss or damage to your car
Fire & Theft Only
New car replacement
If your car becomes a total loss within two years or 40,000km (whichever comes first) of the original registration we’ll replace your car with a new one.
2 years/40,000km
$20 million legal liability
We will cover your legal liability for accidental damage to someone else's property caused by the use of your car.
Damage caused by an uninsured driver
Up to $5,000
This includes any recovery, towing and storage costs.
Up to $5,000
This includes any recovery, towing and storage costs.
Towing costs
Fire & Theft Only
Hire car following theft (up to $1,000)
If your car is stolen, we’ll reimburse you for the reasonable cost of a hire car, for up to 14 days, up to a maximum of $1,000.
Replacement of stolen keys / remotes
We’ll cover the cost of replacing your car keys or remote locking device if they’re stolen and not recovered, up to $1,000.
Damage to your caravan or trailer in a collision
We’ll pay you up to $1,000 if your caravan or trailer is damaged in a collision while you are towing it (this doesn’t cover any contents in the caravan or trailer).
Emergency transport and accommodation
If your comprehensively insured car is damaged and undriveable we'll pay up to $200 per day, up to a total of $1,000 for emergency transport or accommodation.
Damage or theft of personal effects in your car
We’ll pay you up to $500 if your personal effects are damaged in a collision or stolen from your car.
Damage or theft of a child seat / baby capsule in your car
We’ll pay you up to $500 if any child seats/baby capsules are damaged in a collision or stolen from your car.
Debris removal
We will pay up to $500 for removal of your car debris from the scene of an accident.
Optional Extras
Accident hire car
If we accept your claim for an incident other than theft, we will arrange and pay the daily cost for a hire car that meets your needs for up to 14 days.
Reduced window-glass excess
Reduce your excess for damage to your car’s window glass, including its windscreen and rear and side windows, to just $40
Other Handy Benefits
Higher excesses to reduce your premiums
No-claim discount preserved when identified third party is at fault
Guaranteed repairs
We'll guarantee the quality of repairs authorised by us for as long as you own the car.
Repairs caused by uninsured drivers, and repairs as a result of fire and/or theft (limits apply)
Repairs caused by uninsured drivers only (limits apply).

Car Insurance Made for Aussies

Digital First Comprehensive

Included Benefits
Loss or damage to your car
New car replacement
If your car becomes a total loss within two years or 40,000km (whichever comes first) of the original registration we’ll replace your car with a new one.
2 years/40,000km
$20 million legal liability
We will cover your legal liability for accidental damage to someone else's property caused by the use of your car.
Damage caused by an uninsured driver
Towing costs
Hire car following theft (up to $1,000)
If your car is stolen, we’ll reimburse you for the reasonable cost of a hire car, for up to 14 days, up to a maximum of $1,000.
Replacement of stolen keys / remotes
We’ll cover the cost of replacing your car keys or remote locking device if they’re stolen and not recovered, up to $1,000.
Damage to your caravan or trailer in a collision
We’ll pay you up to $1,000 if your caravan or trailer is damaged in a collision while you are towing it (this doesn’t cover any contents in the caravan or trailer).
Emergency transport and accommodation
If your comprehensively insured car is damaged and undriveable we'll pay up to $200 per day, up to a total of $1,000 for emergency transport or accommodation.
Damage or theft of personal effects in your car
We’ll pay you up to $500 if your personal effects are damaged in a collision or stolen from your car.
Damage or theft of a child seat / baby capsule in your car
We’ll pay you up to $500 if any child seats/baby capsules are damaged in a collision or stolen from your car.
Debris removal
We will pay up to $500 for removal of your car debris from the scene of an accident.
Optional Extras
Accident hire car
If we accept your claim for an incident other than theft, we will arrange and pay the daily cost for a hire car that meets your needs for up to 14 days.
Reduced window-glass excess
Reduce your excess for damage to your car’s window glass, including its windscreen and rear and side windows, to just $40
Other Handy Benefits
Higher excesses to reduce your premiums
No-claim discount preserved when identified third party is at fault
Guaranteed repairs
We'll guarantee the quality of repairs authorised by us for as long as you own the car.
Get a Quote

Digital First Third Party Property, Fire & Theft

Included Benefits
Loss or damage to your car
Fire & Theft Only
New car replacement
If your car becomes a total loss within two years or 40,000km (whichever comes first) of the original registration we’ll replace your car with a new one.
$20 million legal liability
We will cover your legal liability for accidental damage to someone else's property caused by the use of your car.
Damage caused by an uninsured driver
Up to $5,000
This includes any recovery, towing and storage costs.
Towing costs
Fire & Theft Only
Hire car following theft (up to $1,000)
If your car is stolen, we’ll reimburse you for the reasonable cost of a hire car, for up to 14 days, up to a maximum of $1,000.
Replacement of stolen keys / remotes
We’ll cover the cost of replacing your car keys or remote locking device if they’re stolen and not recovered, up to $1,000.
Damage to your caravan or trailer in a collision
We’ll pay you up to $1,000 if your caravan or trailer is damaged in a collision while you are towing it (this doesn’t cover any contents in the caravan or trailer).
Emergency transport and accommodation
If your comprehensively insured car is damaged and undriveable we'll pay up to $200 per day, up to a total of $1,000 for emergency transport or accommodation.
Damage or theft of personal effects in your car
We’ll pay you up to $500 if your personal effects are damaged in a collision or stolen from your car.
Damage or theft of a child seat / baby capsule in your car
We’ll pay you up to $500 if any child seats/baby capsules are damaged in a collision or stolen from your car.
Debris removal
We will pay up to $500 for removal of your car debris from the scene of an accident.
Optional Extras
Accident hire car
If we accept your claim for an incident other than theft, we will arrange and pay the daily cost for a hire car that meets your needs for up to 14 days.
Reduced window-glass excess
Reduce your excess for damage to your car’s window glass, including its windscreen and rear and side windows, to just $40
Other Handy Benefits
Higher excesses to reduce your premiums
No-claim discount preserved when identified third party is at fault
Guaranteed repairs
We'll guarantee the quality of repairs authorised by us for as long as you own the car.
Repairs caused by uninsured drivers, and repairs as a result of fire and/or theft (limits apply)
Get a Quote

Digital First Third Party Property Only

Included Benefits
Loss or damage to your car
New car replacement
If your car becomes a total loss within two years or 40,000km (whichever comes first) of the original registration we’ll replace your car with a new one.
$20 million legal liability
We will cover your legal liability for accidental damage to someone else's property caused by the use of your car.
Damage caused by an uninsured driver
Up to $5,000
This includes any recovery, towing and storage costs.
Towing costs
Hire car following theft (up to $1,000)
If your car is stolen, we’ll reimburse you for the reasonable cost of a hire car, for up to 14 days, up to a maximum of $1,000.
Replacement of stolen keys / remotes
We’ll cover the cost of replacing your car keys or remote locking device if they’re stolen and not recovered, up to $1,000.
Damage to your caravan or trailer in a collision
We’ll pay you up to $1,000 if your caravan or trailer is damaged in a collision while you are towing it (this doesn’t cover any contents in the caravan or trailer).
Emergency transport and accommodation
If your comprehensively insured car is damaged and undriveable we'll pay up to $200 per day, up to a total of $1,000 for emergency transport or accommodation.
Damage or theft of personal effects in your car
We’ll pay you up to $500 if your personal effects are damaged in a collision or stolen from your car.
Damage or theft of a child seat / baby capsule in your car
We’ll pay you up to $500 if any child seats/baby capsules are damaged in a collision or stolen from your car.
Debris removal
We will pay up to $500 for removal of your car debris from the scene of an accident.
Optional Extras
Accident hire car
If we accept your claim for an incident other than theft, we will arrange and pay the daily cost for a hire car that meets your needs for up to 14 days.
Reduced window-glass excess
Reduce your excess for damage to your car’s window glass, including its windscreen and rear and side windows, to just $40
Other Handy Benefits
Higher excesses to reduce your premiums
No-claim discount preserved when identified third party is at fault
Guaranteed repairs
We'll guarantee the quality of repairs authorised by us for as long as you own the car.
Repairs caused by uninsured drivers only (limits apply).
Get a Quote

Find Out More

Everything up above is just a summary of what you can expect from Oceania Car Insurance. For all the little details (including the terms, conditions, limits and exclusions that apply), check out the Product Disclosure Statement (PDS).

Read the PDS

Managing Your Car Insurance Online

No matter whether you need to edit your policy, make a claim, change your payment details or simply update some details, our online Policy Manager makes it a piece of cake.

Log In
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Car Insurance FAQs

It’s actually easier than you might think to make a claim. Most claims can be made without any fuss through our online Policy Manager. We’ll ask you a handful of questions just to work out what happened. We’ll even give you a chance to pay your excess early, to help make the process simple and smooth.

Whether it’s receipt of payment of your excess or us receiving your claim, we’ll send you SMS messages to confirm each step – just so you know it’s been received on our end.

Find out more about making a claim. 

All this means is we’ve turned to digital chat systems using our website, iMessage, WhatsApp, emails, texts, and others as our key ways to communicate. This does away with the old hassles, like listening to music on hold and waiting in long phone queues.

Our friendly team of experts will be on hand to help however we can, from guiding you through changing your policy using your online Policy Manager, to renewing your policy, and making claims. And due to us using digital chat (and not the less efficient methods of the past), we pass those savings onto you.

It really is a win-win for everyone! 

We’re backed by Auto & General, who are one of Australia’s biggest car insurers. As of right now, over one million Aussies are being insured in the Auto & General network. So you can trust that you’ve got the backing, support, and systems from one of the best in the business.

What makes Oceania different is we’re the new generation. We rely on digital support and systems and make insurance more efficient in the process. Really, we just want to make things simpler, smarter, and savvier for Aussies.

View more FAQs, or contact us directly for more information.

Easy-Breezy Oceania Car Insurance

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