A: AI Insurance Holdings Pty Limited "AI Insurance" is an Australian company located in Newcastle, New South Wales. We pride ourselves in providing customised insurance products and good, `old-fashioned’ service. We proudly operate as an authorised representative of Badger Insurance Holdings, an international group of companies.

A : The International Hollard Insurance Group has been providing insurance for over 30 years. They provide a wide range of insurance products and services to more than 6.5 million policyholders worldwide, having offices in the United States, United Kingdom, Asia and Africa. The company currently employs over 1,500 people and holds assets exceeding A$1.7 billion. In Australia The Hollard Insurance Company Pty Ltd (Hollard) are best known for their retail brands, Real Insurance, Real Life Insurance and Pay As You Drive Insurance.

As an authorised insurer, Hollard is regulated by the Australian Prudential Regulation Authority. Hollard is also holder of an AFS Licence and is regulated by the Australian Securities and Investments Commission.

More information about Hollard can be found at www.hollard.com.au

A: To get a quote all you need to do is call us on 1300 00 33 03.

A: You should read the Product Disclosure Statement.

A: Any driver who will be driving your car more than once a month should be added a nominated driver, otherwise an additional excess will apply if you make a claim.

A: You can make your premium cheaper by paying the premium amount in one annual lump sum or by increasing your basic excess. Remember that Gold Club is provided with your policy at no extra charge, meaning you can save even more by taking advantage of our exclusive rewards card.

A: This is the contribution you may be required to make towards the claim. Generally, the higher the basic excess you choose, the lower your premium will be. Information about when excesses apply as well as other additional excesses, are outlined in our Product Disclosure Statement

A: You can pay for your insurance monthly or annually. We accept both direct debit and credit card payments.

A: For credit card payments, we accept MasterCard and Visa only. If it's easier we can also debit directly from your specified bank account.

A: If your payment date falls on a weekend or a public holiday we will deduct the payment the following business day.

A: It is your responsibility to ensure your premiums are paid in full either annually or monthly. If we do not receive payment by the due date we may cancel your policy. We will not pay any claims if your premium remains unpaid for 14 days or more.

A: Unless you are otherwise notified by us, we will automatically continue your cover on the terms contained in the renewal offer we send you. We will send this information to you at least 14 days before your insurance is due to expire. Our renewal offer will include any changes that we have made to your policy coverage. If you do not wish to renew your policy, please contact us immediately. More information about our renewal policy can be found in our PDS.

A: Yes. All our new Comprehensive Car Insurance customers receive a maximum no claim bonus of 65% at no additional cost.

A: AI Insurance only uses agreed value when insuring your car. When you take insurance with us we will ask you how much you would like to insure the car for, including any modifications and extra’s. This means should your car be stolen and not recovered or it is considered a total loss following an accident, you will know exactly how much you will be paid.

A: If you need to make any changes to your Comprehensive Car Insurance policy, you can do so by calling our customer service team on 1300 00 33 03. Depending on the type of changes you need to make, your premium may change. However, we don't charge any administration fees to make changes to your policy.

A: Call us on 1300 00 33 03 and our experienced claims team will be there to help you. They will collect your claim information over the phone so you wont need to fill in any forms.

A: If someone makes a claim against you or you receive any correspondence about an accident you have been involved in, you should contact us as a matter of urgency. Our experienced claims staff will then be able to assist you with this and any other aspect of your insurance claim.

A: We have over 1000 repairers that you can use to have your car repaired. By using one of these repairers you will know that the work will be completed in a professional manner and will be overseen by us.

A: Yes, all of our insurance products include a 14 day cooling off period. During this period you can cancel your policy and receive a full refund (less any taxes or charges we are not able to recover) unless you have made a claim.

A: You may cancel your policy at any time during the period of insurance, however you will be charged an early cancellation fee. If you choose to cancel your policy you need to contact us on 1300 00 33 03.