Make a Claim

Easier, better, smarter car insurance.

Pay for cover month-to-month, like a subscription.

  • (Apply for cover, in minutes.)

What makes Poncho different?

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.

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-ins,
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.

  • Here’s everything you need to know

    Want to review our PDS? Click here.

    • 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:


      Windscreen, sunroof and window glass damage

    • 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.


      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.


      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.

    • 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. 16 of our PDS.

24/7 online claim support from a human

We've made making a claim simple.

  • 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.

  • You’re in good hands

Real-time update repairs

  • 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.

  • Push Notifications

    Be updated with how your repair is going with real-time notifications via email or phone.

  • 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

Popular extras included

For the full list, click here.

One policy for multi-car households
Choose car hire or other transport

$80 a day for up to 21 days, for more info, click here.

Life time guarantee on authorised repairs

While you own the car

24/7 Online Claims Support
  • We’re highly recognised

  • 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.

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.

poncho footer pattern left
poncho footer pattern right

You're only a few steps away from an instant quote!

Get your instant quote

Proceeding means you agree to the Poncho Terms of use.

Your browser is out of date!

Update your browser to view this website correctly. Update my browser now