Comprehensive motor vehicle insurance.

When you have a novated lease with Paywise you’re entitled to access competitive and comprehensive motor vehicle insurance, underwritten by Aioi Nissay Dowa Insurance Company Australia Pty Ltd, locally known as Adica.

Adica is an Australian-operated and regulated insurer (AFSL License Number 443540) and part of MS&AD Insurance Group Holdings Inc. – a world Top 10 ranking Insurance and Financial Service group with a global network of subsidiaries and branches in 49 countries and regions.

Paywise has selected Adica as its insurance provider with consideration of product inclusions, levels of coverage, service, claims experience and price.

For a full outline of product features please refer to the Product Disclosure Statement (PDS).


If you have to make a claim or if you have any questions about a claim you have made, please contact the Adica Claims team:

Phone: 1300 485 943

A claim form can be found here.


Yes, you have the ability to source your own insurance policy and claim reimbursement for this through your Paywise Account. You must advise us of this so that we can cancel your Adica insurance policy and amend your payroll deductions accordingly.

When establishing a novated lease with Paywise, your leasing consultant will process your insurance application along with other items relating to the lease. If you have an existing novated lease with Paywise and you would like to switch from an alternative provider to the Paywise policy, please contact us.

The Paywise comprehensive motor vehicle insurance declaration can be found here.

Paywise is a representative of Adica Pty Ltd.

This is general advice only and does not consider your individual objectives, financial situation or needs. Before using this advice to decide whether to purchase this insurance policy, you should consider the appropriateness of it having regard to your personal circumstances, plus obtain and consider the Product Disclosure Statement (PDS) for this insurance policy.