Drivo Car Insurance explained: benefits, limits and the fine print
Income Insurance's Drivo plan pairs unlimited windscreen cover with its Orange Force accident response team. Here is what the published benefits actually promise.
Drivo Car Insurance is Income Insurance's flagship comprehensive motor product, sold across Premium, Advantage, Classic and Prestige plan tiers, with third-party fire and theft (TPFT) and third-party only (TPO) options also available for drivers who do not want comprehensive cover. The figures below reflect Income's own published material as compiled in our knowledge base, and the actual policy conditions document is what governs a claim, not this summary.
The headline benefits
Two features are marketed as Drivo's points of difference. The first is unlimited windscreen cover, with a $100 excess, meaning a cracked or shattered windscreen is not subject to the sum-insured-based limits that apply to other body damage. The second is the Orange Force accident assistance service, providing islandwide support at the scene of an accident, which is a practical benefit at the moment drivers are least equipped to handle logistics themselves.
Cover types and how they differ
Drivo is offered as Comprehensive, TPFT or TPO cover. Within the comprehensive tiers, workshop choice differs by plan: the Premium tier allows a preferred workshop, while Advantage and Classic route repairs through authorised workshops. This distinction affects both convenience and, in some cases, the quality or brand of parts used in a repair, so it is worth confirming which workshop arrangement applies to the specific tier you are quoted.
The limits that matter at claim time
- Personal accident cover is up to $50,000.
- Third-party property damage is covered up to $5,000,000, which reflects how large a liability claim can become if an accident causes significant damage to another person's vehicle or property.
- Medical expenses are covered up to $1,000 per person as standard, with an optional rider raising this to $5,000 per event for those who want more headroom.
- The basic excess is $600, but this rises by $500 to $2,500 for unnamed young or inexperienced drivers, a detail that matters if more than one person, or a newer driver, might drive the insured car.
- Towing is covered up to $500, and an optional roadside and wellness add-on, priced at $8.72 a year, extends breakdown assistance up to $200 a year.
No-claim discount and loss of use
Drivo includes optional NCD protection for drivers with 30% or more NCD, and offers free NCD protection on renewal after two consecutive years at 50% NCD, which rewards longer-tenured, claims-free customers without an extra premium. For drivers who rely on their car daily, an optional loss-of-use benefit provides a daily transport allowance of $50 or $100 a day, for up to seven days, while the car is being repaired.
What is not fully specified on the public product page
Income's page does not publish a price for Drivo, since motor premiums are individually rated based on the driver, vehicle and claims history. It is also worth noting that several product disclosure sheets referenced alongside Drivo relate to other Income products (such as DIRECT Star Protect Pro and DIRECT Dread Disease Protect Pro), rather than to Drivo itself, so a prospective buyer should look specifically at the Drivo brochure and its own policy conditions document, rather than assuming every linked disclosure sheet describes this plan.
What to check before buying, regardless of insurer
- Which workshop arrangement applies to your quoted tier, and whether that matters for the type of parts used in a repair.
- Whether the $600 basic excess, or the higher excess for young or unnamed drivers, matches who will actually be driving the car.
- Whether the standard $1,000 medical expense limit is enough, or whether the $5,000 rider is worth adding for your household.
- How your existing NCD carries over, and whether the free protection after two years at 50% NCD applies to your specific renewal.
- Whether the loss-of-use and roadside add-ons are worth their cost given how dependent you are on the car day to day.
Where the policy conditions matter more than this summary
Income Insurance's own policy conditions for Drivo Car Insurance, along with the Motor Extension Rider terms where applicable, are the documents that state exactly what is and is not covered. Where anything here differs from those documents, the policy conditions govern, and prices and terms can change after the date this was compiled. You can compare Drivo against other motor insurance products on our motor plan comparison.
Talk to an advisor
Choosing between Drivo's tiers, and deciding which optional riders genuinely suit how you drive, is easier with a current quote in hand. An advisor on our platform can walk through the tiers against your driving profile and flag anything the brochure glosses over.
Sources
This content is educational information from a licensed advisor, not financial advice. Product details vary by insurer — verify specifics with an advisor.
