Easier, better, smarter car insurance.
Pay for cover month-to-month, like a subscription.
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(Apply for cover, in minutes.)
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We’re highly recognised
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You’re in good hands
Feel confident knowing you've got the backing of Insurance Australia Group (IAG) the name behind the nation's most trusted and respected brands. From NRMA, CGU, AMI and Lumley Insurance (New Zealand), IAG's business underwrites over $11 billion of premiums per annum and has been assigned a "Very Strong" Insurer Financial Strength Rating of "AA-" by Standard & Poor.
Apply for cover in 3 simple steps
We’re Poncho. A digital car insurer helping our customers be covered with easier, better, and smarter car insurance.
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1. Consider the cover
Like what you see? Review our PDS and if everything looks good? Apply!
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2. Get a quote in minutes
Fill out our Quote generator, and you’ll get a quote from us in minutes.
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3. You’re Poncho’d!
With 24/7 online claims support, we’ll have you covered.
What our customers say
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Hangerz L
Sydney, NSW
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“Going with Poncho was much cheaper and the process to get a policy was very simple, quick and seamless”
James B
Sydney, NSW
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Here’s everything you need to know
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One policy for multi-car households
Apply for multiple cars and drivers under one policy. Simply assign drivers through our online portal and modify as needed.
Keeping contribution, simple
$800 for drivers on the policy, $3,000 when it's an unlisted driver. Bonus? You’ll only be charged once per claim. What does contribution mean?
No lock-in’s, no cancellation fees
A policy that works like a monthly subscription, with Poncho, be in the driver’s seat by being able to leave whenever you want with no 12 month lock-you-in contracts, no cancellation fees.
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What are the 'extra covers' that are included?
Emergency Travel & Accomodation
Towing Costs
Storage Cost
Stolen Keys
Lifetime Repair Guarantee on authorised repairs
Essential emergency repairs following an incident
New replacement car < 15,000km
Trailer cover
Replacement of baby seats and capsules
Bonus includes:
Transport
Windscreen, sunroof and window glass damage
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What am I not covered for?
Personal items
We don’t cover anyone’s personal stuff if it’s damaged or stolen from Your Car or Trailer.
Pre-existing damage
We don’t cover any pre-existing damage to or repairs of Your Car or Trailer.
Incident not in insurance period
If You’re not insured at the time of an incident, We don’t cover You.
Hire, fare or reward
If You’re using Your Car to generate income including ridesharing, delivery of any kind (including food), taxi, passenger carrying service or any similar thing or using Your Trailer for business, We don’t cover You. Just make sure You’re using Your Car or Trailer for private use, including driving to/from work.
Depreciation
We don’t cover any depreciation or loss of Your Car or Trailer’s value - for example, if Your Car or Trailer is worth less after an incident.
Wear and tear
We don’t cover any loss or damage to Your Car or Trailer due to wear and tear, rust or corrosion.
Mechanical, structural, electronic or electrical failures
If there’s any mechanical, structural, electronic or electrical breakdown or failure of Your Car, it’s not covered.
Theft
If Your Car was stolen and You haven’t reported it to the police or Your Car was stolen when it was unlocked, or its alarm was disabled or the keys were still inside, then We won’t cover You.
Tools of trade
We don’t cover any tools and/or items or goods used in connection with any business, trade or occupation that’s in Your Car or Trailer.
Unsafe or unroadworthy
If Your Car’s not roadworthy or safe to use, We don’t cover You.
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How do you choose your repairers?
Great customer service, premium quality on repairs
These are two things we look for when working with our quality network of repairers. So, while we may not offer a choice of repairer, we stand by the network’s quality and we give you a lifetime guarantee on all authorised repairs carried out through the network. Want more info? Check out Pg. 18 of our PDS.
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24/7 online claim support from a human
We've made making a claim simple.
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1. Grab important details
Names, addresses, phone numbers, licence details, the number plates of everyone involved and contact details of witnesses.
2. Need your car towed?
Give us a ring on 1300 230 601 if you need help or need your car towed as a result of an event we cover.
3. Submit your claim
Log into your Online Self Service Account, or call us on 1300 230 601 anytime to lodge a claim, and leave the rest to us. You’ll hear from us in a jiffy.
4. We’ll do the following up
With us striving to provide progress updates given at minimum, every 10 working days (or shorter!), we’ll be the first ones to give you the follow up.
Real-time update repairs
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Quick & transparent
Once received, your claim will be reviewed by our team, and from there, we'll strive to respond to you in one (1) business day.
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Push Notifications
Be updated with how your repair is going with real-time notifications via email or phone.
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Claim Updates
With our aim to provide you with your claim update within < 10 days, we'll be the one to do the follow-up.
Here is how we are making car insurance easier, better, and smarter
Payment structure
Monthly charge, like a subscription
Cancellation fees
Absolutely nothing
One policy for multi-car households
Life time guarantee on authorised repairs
While you own the car
24/7 Online Claims Support
Product Disclosure Statement
Here you can find the most recent PDS.
For all policies that started from 16 July 2020, or were renewed from 15 August 2020
Get covered today
All online and only takes a couple of minutes. Get an instant quote now and see if Poncho is right for you.
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“I personally like your monthly subscription which makes policies easy to manage on the go.”