Car Insurance FAQs

Qikio Car Insurance covers loss or damage to the Insured Vehicle which results directly from an Accident. This includes collisions, theft or attempted theft, malicious damage, fire, storms and natural events, and any other type of Accident.

Yes — Qikio Car Insurance covers a car you use for your business or occupation, as long as:

• you select ‘business use’ when you buy your policy;
• Adica have agreed to provide this cover;
• you have paid the additional premium;
• the car is not used for any of the following:

• rideshare where this has not been selected as the intended use or where the vehicle will be registered as available on a rideshare app for more than 35 hours per week;
• other forms of hire, fare or reward or as a taxi, rental, loan or driving school vehicle;
• motor sports, fast food delivery, emergency, security or law enforcement, transport of hazardous or inflammable goods or towing for income.

Where cover for Business or Rideshare Use is included, it will be shown on Your Policy Schedule.

You should advise Adica as soon as you reasonably can if:

• an Accident occurs which is likely to result in a claim;
• or the Insured Vehicle is involved in an incident which results in loss or damage to someone else’s property, and another person or entity believes You or the Driver of the Insured Vehicle is responsible for that loss or damage

Contact Adica on 1300 459 346. They will explain the claims process to you. You can also find information on the claims process here or within the PDS.

Qikio Car Insurance is issued and underwritten by Aioi Nissay Dowa Insurance Company Australia Pty Ltd ABN 11 132 524 282 AFSL 443540 (Adica). Adica is part of MS&AD Insurance Group  Holdings, Inc., which ranks among the world’s Top 10 largest insurance and financial services groups.

An Excess is what you may be required to contribute towards the cost of a claim. Your policy includes different types of Excesses, and more than one Excess may be payable by you depending on the circumstances of a claim. These Excesses, and the amount which applies for each Excess, are shown on Your Policy Schedule. Each type of Excess is also described below, as well as in the ‘Qikio Car Insurance Premium, Excess and Claims Guide’.

The various types of Excess applicable to Your policy, and the circumstances under which they are payable, are described below. The total Excess amount payable for each claim under Your policy will be the sum of all Excess types which apply to that particular claim.

The Standard Excess is applicable to each and every claim on Your policy, and will be payable unless the claim is a Recoverable Claim or is waived in accordance with any other terms or conditions of Your policy.

The Age Excess is applicable to claims involving a Driver who was under 25 years of age and driving or in control of the Insured Vehicle at the time of an Accident.

The Licence Excess is applicable involving a Driver who, at the time of an Accident:

• was driving or in control of the Insured Vehicle; and,
• was 25 years of age or older; and,
• had held an Australian driver’s licence for less than two years or was driving under an overseas, probationary or provisional licence.

The Undisclosed Driver Excess is applicable to claims involving a Driver who was under 25 years of age and driving or in control of the Insured Vehicle at the time of an Accident, and was not nominated as a Driver on Your Policy Schedule or renewal offer.

Yes, you can! During your quote, prior to purchasing your policy, you can select an excess that best suits your budget. The higher your excess, the cheaper your premium is.

Your premium is the amount you are required to pay for your policy. You can pay Your premium as a single amount annually, or in monthly instalments by direct debit. Your Policy Schedule shows the payment option You have chosen, the total amount You must pay, and the due date for Your payment(s).

If You do not pay Your premium in full and on time, including any additional premium owing, Adica may shorten Your Period of Insurance in line with the amount of premium You have paid.

Please refer to the ‘Qikio Car Insurance Premium, Excess and Claims Guide’ for an explanation of how We calculate the premium We charge. You can access this guide here.

You can contact Adica at customerservice@qikio-car.com.au or on 1300 459 346 to make changes to your policy.

You can cancel your policy at any time by notifying Adica in writing or over the phone. You can contact Adica at customerservice@qikio-car.com.au or on 1300 459 346. Refer to the PDS for details on cancellation and cooling off.