Step 1: Call 000 if it is an emergency

Step 2: Fill in a Karmo Damage Report (if you were in an accident)

Step 3: Access Roadside Assistance

Vehicle breakdowns are extremely rare on Karmo. Still, all Karmo subscriptions come with 24/7 Roadside Assistance and Damage Cover. We and try and make these unfortunate events as easy to deal with as possible.

In an emergency call 000 before getting in touch with Karmo

In the event of an accident, you are required to complete a Damage Report while still onsite. You can access our online Damage Report on the button below.

Once submitted, please keep an eye on SMS and Email. Karmo will communicate additional steps depending on the nature of the incident. Some of these may also require steps to take while still onsite.

The Damage Report form will prompt you through required details. Please be thorough when taking notes/photos/video of the accident scene, cross streets, landmarks, the direction of travel and car damage, as this information will help you complete an insurance claim.

In the event you have been in a multi vehicle accident, please ensure you collect the third-parties details while on site of the accident, you will need these details to complete the second page of the form

You will need the following details of anyone involved:

If the other driver is not the owner of the vehicle, please collect the name of the owner.

Once you provide us with the necessary details, our dedicated team will promptly assist you in resolving the issue. Your safety is our top priority, so rest assured that we’ll handle your report with utmost care and professionalism.

Please reference the table below to determine the correct provider for your vehicle

A new vehicle can be arranged to continue your subscription plan within one day. However in some rare circumstances Karmo may refuse to renew your subscription plan if you are deemed too high of risk.

In the event of an accident a Damage Excess Fee may be payable by you, which will be refunded if you are cleared ‘not at fault’ by the insurance provider.

If you have been found to be ‘at fault’, a weekly At Risk Driver Fee will be charged on top of your weekly plan for a period of 12-months from the date of your incident claim. If you have another incident in this 12-month period, the 12-months will start again.