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How do I get set up with PD Insurance?
Since PD Insurance is an online-focused business, the creation of an online account is part of your policy purchase process. As you buy a policy from PD, we’ll get you set up with an online member account by simply asking you to establish a policy email and password, each used to login to your account. If you ever forget them, don’t worry – it’s really easy to have them reset by visiting the login page and following prompts. All your adjustments will be done from this online account, and that means collectively we keep costs and your premiums lower.
What if my car is not on the drop-down list of your quote process?
In our online member portal there is a drop down box under vehicle information for you to select the year, make, model and body style of your vehicle. We cannot offer cover if your car is not available on our drop-down list. If your car has an exact match on our list of vehicles to choose from, then we can offer you cover.
How do I retrieve a quote?
You can save your quote and return to our site to retrieve it when you are ready to purchase the policy.
- To retrieve a quote, click here. Then, enter the email address used to set up your quote and the primary policyholder’s date of birth. This will take you to the ‘Policy Effective Date’ page.
- If you would like to review your price and modify your cover, excess or agreed value, enter your desired policy effective date, and type the security code that appears in the box.
- To review and modify your address, vehicle, and driver information, click the ‘Back’ button at the bottom of the page.
Can I insure a car that is not yet registered?
A car must be registered in order for PD Insurance to provide cover. When buying a new car you may not yet know the registration. You can still get a new quote or even log into your online account and check the price to add the car to an existing policy. However, please keep in mind that we need the actual registration number for cover to be effective.
What are your methods of payment?
PD Insurance accepts Visa® and Mastercard® credit or debit card only. This allows us to confirm your payment on the spot, plus it helps reduce our administration costs so we can pass the savings on to you in the form of lower premiums and no fees.
What is my 'garaging address'?
When we state ‘garaging’ or ‘overnight location’, we mean the primary address or location where your car will be kept.
Does PD Insurance provide Compulsory Third Party (CTP) cover?
We do not provide Compulsory Third Party (CTP or Greenslip) insurance, which covers bodily injury.
The term “Third Party” is used in different types of insurance cover and can cause some confusion. Our Third Party insurance provides cover for third party property damage caused by the use of your vehicle. We offer 2 different types:
- Third Party Fire and Theft: Cover for damage you might cause to other people’s property with additional cover for loss or damage to your car caused by Fire or Theft
- Third Party Property Damage: Cover for damage you might cause to other people’s property only
For more information about Third Party cover, please refer to the Types of Cover section in our Product Disclosure Statement.
Does PD Insurance cover towing?
Yes, our Car Cover Policy for both Comprehensive and Third Party Property Damage Fire and Theft offer a Towing and Storage Benefit.
- You may call our claims department directly on 1800 776 473 for immediate assistance.
- You can also lodge your claim online here.
For more information about our Towing and Storage Benefit or Claims Process, please refer to our Product Disclosure Statement.
Does PD Insurance provide cover for company cars?
PD Insurance policies can only be written in an individual’s name, not in a company name. If the policy can be written in an individual’s name and the vehicle use is not listed in the exclusion section of the Product Disclosure Statement, then we can provide cover. Please note that if a regular driver of the insured vehicle is not listed on the policy, they will not be covered.
For a complete list of policy exclusions, please refer to the ‘General exclusions’ section of our Product Disclosure Statement.
Can I pay my policy through an instalment plan?
Eligibility for an instalment plan is determined by the information included on your policy. It can be affected if policy information changes and we’ll reassess availability at each annual renewal. If a lump-sum payment is the only option offered on your policy, that is the only payment arrangement we can extend at this time. Please note that by paying a lump sum, there is a discount included in your rate for fulfilling your total premium upfront.
How soon can I purchase a policy in advance of my effective date?
You can pay for your policy any time from now up to the day you want your cover to begin. We allow you to choose an effective date up to 65 days from the date you pay for the policy.
You may decide to make payment today to confirm your effective date in the future, or you can choose to wait until the day you need cover to confirm with a payment. Keep in mind, we do periodically update our rates, so if you do not purchase the quote today, the rate is subject to change.
Note we offer new members what’s known as our ‘Early Shopper Discount’, which you’ll qualify for if you get a quote before your existing policy expires.
I'm having trouble getting a quote. What do I do?
PD Insurance’s site is optimised for most modern browsers (desktop, tablet, and mobile). Just make sure to:
- Enable JavaScript: You will need this to get your quote.
- Accept cookies: You’ll have a more personalised experience, and you can save certain information (like your policy ID) for future visits.
- Download the latest Adobe Reader: You’ll have an easier time getting forms and documents.
If you have tried the above and are still experiencing trouble, contact us by clicking this Contact Us link and we will investigate further. Please include as much detail as possible including any error messages and screen shots if possible.
What happens if I need to take my car to the mechanic, do I need to list them as drivers on my car insurance policy?
If the mechanic is licensed and has their own business insurance this should cover them to drive your vehicle. We recommend you ask your mechanic prior to you leaving your car with them.
The cover varies for unlisted drivers, depending on which PD Insurance cover you’ve selected. For more information please view your Product Disclosure Statement, Insurance Certificate or contact the PD Insurance member service team.
Do I need to list on my car insurance policy someone who drives my car only once or twice a year?
If someone who is not listed on your Insurance Policy is driving and is involved in an accident an unlisted driver excess will apply. If other people drive your car don’t worry, you can add additional drivers to your policy and remove them as required. For more information, please view your Product Disclosure Statement, Insurance Certificate or contact the PD Insurance member service team.
For more information please view your Product Disclosure Statement, Insurance Certificate or contact the PD Insurance member service team.
What happens if someone driving my car has an accident and they are not listed?
If someone who is not listed on your Insurance Policy is driving and is involved in an accident an unlisted driver excess will apply. If other people drive your car don’t worry, you can add additional drivers to your policy and remove them as required. For more information, please view your Product Disclosure Statement, Insurance Certificate or contact the PD Insurance member service team.
For more information please view your Product Disclosure Statement, Insurance Certificate or contact the PD Insurance member service team.
Can someone drive my car if it's an emergency?
For more information please view your Product Disclosure Statement, Insurance Certificate or contact the PD Insurance member service team.
Will a learner driver be covered by my insurance policy?
Please list all drivers on your Insurance Certificate to ensure they are covered in the event of a claim. We cover learner drivers with some of our car insurance policies, however additional excesses may apply.
For more information please view your Product Disclosure Statement, Insurance Certificate or contact the PD Insurance member service centre to discuss, via 1800 776 473 or [email protected].
Does my insurance cover me for driving someone else's car?
No, only the car listed on your Insurance Certificate is covered. So, if you drive someone else’s vehicle and are at fault in an accident, if they have no insurance, you may be held liable for the repair and replacement costs for all vehicles involved.
If the vehicle is registered, the vehicle will have Compulsory Third Party (CTP or Greenslip) insurance, which covers bodily injury.
Does my car insurance cover my trailer and caravan?
If your vehicle was towing a trailer or caravan at the time of an insured event and was at-fault in damaging a third party vehicle or property, that damage is covered up to $20 million.
Our Car Cover Policy for Comprehensive also offers an Unbraked Trailer Or Caravan Benefit.
- You may call our claims department directly on 1800 776 473 for immediate assistance.
- You can also lodge your claim online at pd.com.au.
For more information about our Unbraked Trailer Or Caravan Benefit or Claims Process, please refer to our Product Disclosure Statement.
Does my car insurance cover a hire car?
Our Car Cover Policy for both Comprehensive and Third Party Property Damage Fire and Theft offer a Hire Car After Theft Benefit.
Our Car Cover Policy for Comprehensive offers for purchase an Optional Cover Hire Car After Incident
- In the event of a covered incident, we will reimburse the daily fees, for an economy-type hire car with a daily limit of $50 per day for up to 14 days.
- You may call our claims department directly on 1800 776 473 for immediate assistance.
- You can also lodge your claim online at pd.com.au.
For more information about our Hire Car After Theft Benefit, Hire Car After Incident Optional Cover or Claims Process, please refer to our Product Disclosure Statement.
Does my car insurance cover my ongoing car maintenance?
No, insurance does not cover car maintenance so be sure to take good care of your car’s exterior and interior.
Why has the value of my car decreased but my car insurance premium increased?
Generally speaking, vehicle values decrease year on year as they age and more kilometres are added to the odometer. Car insurance premiums can increase year on year, but not always. It depends on a wide range of rating factors relating to your personal circumstances and other outside influences.
To have your car insurance policy reviewed please contact the PD Insurance member service centre.
Can I get a better deal on my car insurance if I have more than one policy?
We always offer each member the best possible PD Insurance premium based on their individual needs and circumstances.
Do you provide home and content insurance?
We currently don’t provide home, home and contents, contents or landlord insurance. However, accompanying our three different car insurance policy types is a range of car insurance discounts.
You can also add to your car insurance with these optional extras:
- Excess Buster
- Windscreen/Window Glass
- Vehicle Contents
- Hire Car After Incident
- Roadside Assistance
How do I get a tax invoice for my policy?
- Login to your online member portal using your email and password.
- Click on the ‘MyDocuments’ button.
- Retrieve the ‘New Business Transaction Confirmation’ document or ‘Renewal Insurance Certificate’, which will contain your premium and our ABN number for tax reporting purposes.
- If there have been changes made during the policy term, you can find additional tax information under documents listed as: ‘MTA Transaction Confirmation’.
Please note, a .pdf will need to be accessed for viewing and/or printing this document.
How can I view and print documents online?
All documents are stored on your PD Insurance online account, which you can easily view and print from.
- Login to our online account using your email address and password
- Click ‘My Documents’ at the upper right corner of the page, then select the document you wish to view
- Your documents will include your: Insurance Certificate, Renewal Invite and Renewal Certificate, Certificate of Currency (if created), and Mid Term Transaction Confirmations, as well as the Combined Product Disclosure Statement/Financial Services Guide
How can I obtain a certificate of currency?
A Certificate of Currency for your financial institution can easily be obtained by accessing your PD Insurance online account. To create your document:
- Login using your email address and password
- Locate the ‘Create a Certificate of Currency Document’ link at the bottom of the ‘MyPD’ page
- Confirm your vehicle and enter the ‘Financial Institution’ name
- Click ‘Create Document’
- A Certificate of Currency (pdf) will open in a new window for you to print
- This file is automatically saved into ‘MyDocuments’ to conveniently view or print in the future.
How do I change drivers listed on my policy?
- Login to your online account using your email address and password
- On the ‘MyPD’ page choose ‘Add/Update Driver’ and pick the date for your change (either today or tomorrow) and click ‘Next’
- Choose ‘Add Driver’
- Click the Acknowledgement Box at the top of the page to agree with the statements concerning the new driver
- Fill in the new driver information then click ‘Continue’ to see a summary screen
- Click ‘Continue’ to see updated billing information
- Select ‘No’ for the question ‘Would you like to make any additional changes to your policy?’
- If you would like to make the change active and generate the proper documents, click ‘Submit Changes’ or you may click ‘Cancel Changes’ to void the transaction.
Please note: Your credit card may have to be authorised for an immediate payment should the change cost more. You will know your change is complete when a revised Certificate of Insurance is generated. This will be available on the ‘MyDocuments’ page.
How do I change my address?
- Login using your email address and password
- On the ‘MyPD’ page choose ‘Update Policy’ next to the address and contact details, and pick the date for your change (either today or tomorrow) and click ‘Next’
- Scroll down to the ‘Mailing Address’ section and click on the ‘Edit’ field
- Fill in your new address information and click ‘Continue’ to see a summary screen
- Click ‘Continue’ to see updated billing information
- Select ‘No’ for the question ‘Would you like to make any additional changes to your policy?’
- If you would like to make the change active and generate the proper documents, click ‘Submit Changes’ or you may click ‘Cancel Changes’ to void the transaction.
Please note: Your credit card may have to be authorised for an immediate payment should the change cost more. A revised Certificate of Insurance will be generated and available under MyPD / MyDocuments to show you have officially made the changes.
How do I update my credit card?
- Login using your email address and password
- Select Billing details
- Update credit card information
- Fill out the required information
How do I update my email address?
- Login to your online account using your email address and password
- On the ‘MyPD’ page choose ‘Update Policy’ and pick the date for your change (either today or tomorrow) and click ‘Next’
- Scroll down to the email address section
- Fill in your new email address and click ‘Continue’ to see a summary screen
- Click ‘Continue’ again
- Select ‘No’ for the question ‘Would you like to make any additional changes to your policy?’
- If you would like to make the change active and generate the proper documents, click ‘Submit Changes’ or you may click ‘Cancel Changes’ to void the transaction.
How do I update my policy if I sell or replace a car?
- Login to your online account using your email address and password
- On the ‘MyPD’ page choose ‘Add/Update Car’ and pick the date for your change (either today or tomorrow) and click ‘Next’
- Choose ‘Replace Car’ option
- Fill in the two pages of new car and cover information then click ‘Continue’ to see a summary screen
- Click ‘Continue’ to see updated billing information
- Select ‘No’ for the question ‘Would you like to make any additional changes to your policy?’
- If you would like to make the change active and generate the proper documents, click ‘Submit Changes’ or you may click ‘Cancel Changes’ to void the transaction
How do I renew my car insurance policy?
Our auto renewal is easy. We’ll send you a renewal invite 28 days before your policy expiration. Simply login to your PD Insurance online account to make sure you’re happy with the renewal price and to check that your policy information and credit card details are current. Then, we will simply auto renew your policy, deducting your scheduled payment from the credit card listed in our online account.
When will I receive a renewal notice?
An email renewal invite is sent 28 days prior to renewal date. All the renewal details will be included in the email. If you’re satisfied with the renewal offer and would like to continue with PD Insurance, no action is required and your renewal instalment amount will be automatically deducted from the credit card on file on your renewal date.
How do I cancel my policy?
We’re sorry if you wish to cancel your policy. Additionally, we appreciate any feedback you could provide as we use this information to continually improve our product and service.
To cancel your policy:
- Login using your email and password
- Choose the ‘Cancel policy’ link located at the bottom of the MyPD page
- Follow the prompts.
Once you set the date of the cancel, we will refund premium based on unexpired days of your policy. If a cancellation fee applies, this will be deducted from any refund due to you.
You are always welcome to obtain another quote with PD should you need cover in the future.
How long will it take to receive my refund?
Once you have cancelled your policy or made a mid-term adjustment to your policy that triggers a refund, it should take approximately 5 working days for that credit to clear into your credit card. This time allows for various bank processing steps.
How will I collect my refund from my policy?
If you cancel a policy or reduce cover level such that PD Insurance owes you a refund for your policy, the amount will be paid directly to the credit card that you have linked to your online account. If that credit card is no longer valid or appropriate to use, you will have an option to receive the credit paid to a different credit card, so long as it has a Visa or MasterCard logo.
Does my policy cover free windscreen replacement?
Our Car Cover Policy for Comprehensive offers a Windscreen Repair Benefit, with no excess payable. If the windscreen cannot be repaired, your standard excess would apply.
Our Car Cover Policy for Comprehensive also offers for purchase an Optional Cover Windscreen/Window Glass Extension, for replacement windscreens or glass with no excess payable.
- You may call our claims department directly on 1800 776 473 for immediate assistance.
- You can also lodge your claim online at pd.com.au.
For more information about our Windscreen Repair Benefit, Windscreen/Window Glass Extension Optional Cover or Claims Process, please refer to our Product Disclosure Statements.
Does my policy cover hail damage?
Yes, hail damage is covered under your PD Insurance comprehensive car insurance cover. Under this, we cover loss or damage as a result of the following incidents:
- Collision or impact
- Fire
- Flood
- Malicious act
- Hail and storm
- Theft or attempted theft
For more information about our cover, please refer to the Cover sections in the relevant Product Disclosure Statement.
Is it possible to change my cover date?
Once you buy a new policy with cover date chosen, the policy is locked to that date. If you need to change this date, you’ll need to cancel the policy and start a new policy.
What if my car is damaged by an uninsured motorist?
Our Car Cover Policy for Comprehensive will cover accidental loss or damage to your car up to the insured value.
In certain circumstances, if we determine that the driver of your car was not in any way at fault, you won’t have to pay any excess. You must, however, be able to give us the name, address and a valid phone number of the person who was responsible for the damage and the registration number of their car.
- You may call our claims department directly on 1800 776 473 for immediate assistance.
- You can also lodge your claim online at pd.com.au.
For more information about our Claims Process, please refer to our Product Disclosure Statement.
Does PD Insurance cover towing?
Yes, our Car Cover Policy for both Comprehensive and Third Party Property Damage Fire and Theft offer a Towing and Storage Benefit.
- You may call our claims department directly on 1800 776 473 for immediate assistance.
- You can also lodge your claim online at here.
For more information about our Towing and Storage Benefit or Claims Process, please refer to our Product Disclosure Statement.
Do you provide cover for company cars?
PD Insurance policies can only be written in an individual’s name, not in a company name. If the policy can be written in an individual’s name and the vehicle use is not listed in the exclusion section of the Product Disclosure Statement, then we can provide cover. Please note that if a regular driver of the insured vehicle is not listed on the policy, they will not be covered.
For a complete list of policy exclusions, please refer to the ‘General exclusions’ section of our Product Disclosure Statement.
Can I call PD Insurance to adjust or manage my policy?
We’re online-focused to keep our costs and your premium down. So, we prefer you manage your PD Insurance policy online. We’ve provided all the tools you need to make the usual adjustments you’d ordinarily do through a call centre. To adjust or manage your policy, please login to your online account.
Having said that, we do have member service team members ready and willing to help if you can’t do what you need to do online – contact details are here.
Can I use a credit card that's different to what you have listed on my account, for a one-time payment?
You can update your card details as required after the first 60 days of your policy has passed. Details are locked for the first 60 days, as per our anti-fraud policy. Please contact us if you need to change your credit card details within the 60-day period.
How do I cancel my insurance policy?
We allow you to cancel your policy at any time. To do so, log in to your PD Insurance account on our website and follow the instructions for cancellation. Alternatively, you can contact our member service team via 1800 776 473 or [email protected]. We may charge a cancellation fee if you cancel the policy outside the cooling off period.
Will I get a refund if I cancel my car insurance policy?
If you are cancelling your car insurance policy mid-term (i.e. before your 12-month policy period) and haven’t had any claims for the policy period, any unused portion of premium will be refunded to you. However, we may charge a cancellation fee if you cancel the policy outside of the cooling off period.
Do you have a cooling off period for my car insurance policy purchase?
Yes, PD Insurance offers a 14-day cooling off period. If you cancel your policy during this time and haven’t made a claim you receive a full refund.
Where can I change my password for my car insurance policy member portal?
You can easily change your password via the ‘Forgot my password’ link on the login page of the portal or by contacting the member service team on 1800 776 473 or via [email protected].
Why can I not update my car insurance payment details myself?
If your policy is in debt or has not been in effect for more than 60 days you are unable to update card details online, as per our anti-fraud policy. You will need to contact the member service centre via [email protected] or 1800 776 473.
How can I change my credit card information where there is an outstanding balance?
To update your payment details when your policy is debt you need to contact the member service team via 1800 776 473.
Can I use direct debit or BPAY instead of credit-debit card to pay for my car insurance?
Credit card is currently our only accepted payment type.
How do I report a claim?
Simply login to your online account, click ‘Lodge a Claim’ to insert your claim details and press submit. Once that’s done, one of our claims officers will contact you to talk you through next steps. If you have an urgent claim matter, call our claims team on 1800 776 473.
Does PD Insurance cover towing?
Yes, our Car Cover Policy for both Comprehensive and Third Party Property Damage Fire and Theft offer a Towing and Storage Benefit. You may call our claims department directly on 1800 776 473 for immediate assistance.
You can also lodge your claim online here.
For more information about our Towing and Storage Benefit or Claims Process, please refer to our Product Disclosure Statement.
What do I do if I'm in a car accident?
The key steps are simple:
- Stop the car immediately in a safe area.
- Check other passengers.
- Call emergency and police services if needed.
- Exchange details with the other party/ies.
- If you have a mobile phone or other camera on hand, take photos at the incident scene.
- Report it to the police if it’s more than a minor incident.
- Do not admit fault.
- Contact us to make a claim.
Find out more in our article: Tips For What To Do After A Car Accident.
What details do I need to take down after I've had an accident?
At the scene of an accident, we need you to note down:
- Name, contact details, registration plate and licence number of other parties involved
- Other parties’ insurance details
- Date and location
- A summary of how the accident happened
We also suggest you take photos at the incident, including of your vehicle and other vehicles (with registration plates showing) plus the front and back of the third party driver license/s. Contact us as soon as possible after an accident. The sooner we know about it, the sooner your car insurance claim can be processed and you get back on the road. We can even help you get your car towed.
How do I file a car insurance claim?
You can begin your car insurance claim process via your online member portal at any time of the day or night. Login and click ‘Lodge a Claim’ to insert your claim details. A member service team member will then call you to take you through the next steps.
When my car needs to be repaired, does my car insurance allow me to choose my repairer?
We prefer to utilise our preferred repairer network where possible because we know they undertake high quality repairs. If you would like to obtain a quote from your preferred repairer it can be submitted for review by one of our qualified assessors.
How long does it take PD Insurance to settle a car insurance claim?
Timing of settlement depends on the circumstances of the accident or damage. Rest assured we tend to all claims as quickly as possible – our inhouse claims team is committed to providing every member with a soft landing during challenging times. Cooperating with our claims team in providing all details and requested documentation is essential in ensuring we process your claim as soon as possible.
What happens if I hit an animal - does my car insurance cover it?
Our comprehensive car insurance covers you in the event of an animal collision, though applicable excesses will apply to have your vehicle fixed. If you hit an animal, even if the collision is the animal’s fault, you will be held liable for the damage.
What happens if I back up into an object (not a third party), causing damage?
Our comprehensive car insurance covers you in the event of hitting an object or other property, up to the value of $20 million in liability cover, with applicable excesses applying.
What happens if someone hits my car and doesn't leave a note, or won't provide me with their details?
If you can’t provide us with the at-fault party’s details then you will be held liable for the damage and will need to pay your car insurance excess to have your vehicle fixed. Take every step possible to obtain the at-fault party’s contact details.
Can I speak to someone on the phone if I have a car insurance claim in progress?
Yes, our claims team is available between 9am and 5pm Monday to Friday on 1800 776 473.
Who is PD Insurance?
PD Insurance is well-established in Australia, as a company that’s been providing competitive car insurance policies since 2010.
After quickly gaining an enthusiastic motoring member base, we recognised Australians also wanted affordable pet insurance that doesn’t compromise on quality. So, we moved into insurance for pets – something we were already successfully doing in New Zealand.
At PD Insurance we know what we’re talking about. As a proud Newcastle (NSW) based company that specialises in top-notch insurance, we understand what you, your car and your pets need. We’re resolute in offering high quality, low cost pet insurance and car insurance that’s tailored to each member.
PD Insurance has your back in tough times. Our attentive, thoughtful team will provide the soft landing you need. Do yourself a favour and get a quick online quote with us today.
Who is the underwriter?
Our underwriter is Pacific International Insurance. Pacific International Insurance has been helping Australians protect what is important to them since 2001.
Read about Pacific International Insurance and its stable and secure underwriting position here.
How do I lodge a complaint?
In the first instance, please email your complaint to [email protected]
Please remember to provide us with your name, policy number and full details relating to your complaint. For more details of our Dispute Resolution Process please refer to the PDS.
