Car FAQ

Have a look at our most frequently asked questions below.

FAQ'S

Select the required insurance option below :

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. The way you store your vehicle when not in use does not affect your policy premium or the cover PD offers.

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:

  1. 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
  2. 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.

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.

When pricing my policy, do you take into consideration my no claims bonus (NCB) rating?

Instead of pricing according to your current insurer’s No Claim Bonus, PD Insurance sets up a profile based on the claims history of each driver. This way, our safe drivers receive a highly competitive rate based on their safer risk profile.

For more information about No Claims Bonuses, please review the ‘How we determine your premium’ section in our Product Disclosure Statement.

What happens if I need to take my car to the mechanic, do I need to list them as drivers on my car insurancepolicy?

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 your cover may be varied, depending on which PD Insurance cover you’ve selected.

  • Some policies started or renewed prior to July 2021 may have no cover for unlisted drivers at all.
  • Policies started or renewed after to July 2021 will be required to pay an unlisted driver excess.

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.

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 your cover may be varied, depending on which PD Insurance cover you’ve selected.

  • Some policies started or renewed prior to July 2021 may have no cover for unlisted drivers at all.
  • Policies started or renewed after to July 2021 will be required to pay an unlisted driver excess.

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.

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. Interested in the specific discounts we offer? See here for more information.

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 would you, like to proceed?

How would you, like to proceed?