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  • Why should I Use IMOK Instead of My Insurer?

  • Would It Affect My Premiums if I Chose a Hire Car from My Insurer?

  • Are there Additional Costs if I Chose a Hire Car from My Insurer?

  • Will My Insurer Provide Like-For-Like Accident Replacement Vehicle?

Even if you had been paying for a Hire Car option on your Car Insurance Policy:
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  • Yes, Premiums will increase as Insurers typically will require you to lodge a claim in order to receive your Hire Car, which will impact your Premiums to increase even though the accident may not be your fault.
    • ​However, by using IMOK not only does your Premiums not get impacted negatively but we can also manage your claim on your behalf like any Insurer would​
 
  • Yes, on top of Premium Increase you will typically be required to pay for additional fees such as Excess Reduction​
    • ​​However at IMOK, you will receive all the benefits such as Excess Reduction for $0 Excess Damage Wavier at No Cost to you​​​
 
  • No, Insurers usually will not provide you with a Like-For-Like Replacement​ Vehicle
    • ​However at IMOK, we will provide you with a Like-For-Like Replacement Vehicle which includes Prestige Vehicles and Super Cars.

  • Are There Any Costs At All Through IMOK?

  • No, there will be absolutely no Costs or Hidden Costs at IMOK unlike with Insurers and such where you will be charged additional fees for benefits such as Excess Reduction.

    There will only be administration fees payable if you have failed to arrange yourself an E-Toll Pass or incur a Traffic Fine in which case we would have to arrange for them to be directed to you.

  • When Will I Receive My Accident Replacement Vehicle?

  • IMOK aims to deliver clients a Hire Car within 1 hour of receiving an application.

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  • You will only be able to receive your Hire Car immediately without having to wait for your repairs to commence if your vehicle is "Unsafe To Drive". Just by simply having your headlight damaged will deem your vehicle to be "Unroadworthy" and therefore you will be a ble to receive your Hire Car.

 

  • To be simply put, you will be able to receive your Replacement Vehicle as soon as your own vehicle is Undrivable either due to an accident or due to commencement of repairs until your repairs are complete or until you receive your Total Loss Settlement (if your vehicle was written off).

  • Does IMOK Charge Excess If You Damage The Hire Car?

  • No, provided you meet our Terms and Conditions for the $0 Excess Damage Waiver, you will not have to pay a cent even if you have damaged our Hire Car while renting. However, you must not breach our Terms and Conditions.​​

  • Why Should I Be Cautious When Choosing A Provider?

  • Even though they may provide free hire cars, Providers vary drastically when it comes to procedures. See below for some common examples.

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Other Providers (Including Large Companies) May:

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  • Charge a significant amount of Excess for any damage made to the Hire Car regardless of who is at fault. This includes very minor scratches

  • Charge cleaning costs at high rates even if the Hire Car is returned reasonably clean

  • Not even provide Like-For-Like Replacement Vehicles

  • Not operate where you live despite advertising themselves as Nationwide

  • Not Act In Your Best Interests Overall

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Our ultimate objective is to ensure our customers are all OK in the end of the day despite an accident, hence our name. We are:

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  • Fair, Honest and Transparent;

  • Secure;

  • Helpful;

  • Legitimate; and

  • Have Competitive Benefits and Services

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