There will be some changes to the complimentary card insurance available. We have also rewritten the booklet to make it easier for you to read.

What’s changing?

New terms and conditions and changes in the covers available apply to NAB Complimentary Card Insurance and NAB Commercial Cards.

If you’re a personal customer and have a card eligible for the following complimentary insurances

New terms and conditions and changes in the cover available apply to:

  • Overseas Travel and Medical Insurance Cover
  • Interstate Flight Insurance Cover
  • Price Protection Cover
  • Domestic Hotel Burglary Cover.

If you’re a business customer and have a card eligible for the following complimentary insurances

New terms and conditions and changes in the cover apply to:

  • Commercial Cards Transport Accident Insurance Cover
  • Commercial Cards Unauthorised Transaction Insurance Cover.

What you need to know

Information on this page is just a snapshot of the changes. For personal customers, details on the terms, conditions, limits, sub-limits and exclusions that apply are in the new NAB Card Insurance Policy Information Booklet effective 31 March 2021 (PDF, 506KB), opens in new window and NAB Purchase Protection Insurance Policy information booklet effective 31 March 2021 (PDF, 338KB), opens in new window.

For business customers, details on the terms, conditions, limits, sub-limits and exclusions that apply are in the new NAB Commercial Cards Transit Accident Insurance Policy information booklet effective 31 March 2021 (PDF, 279KB), opens in new window and NAB Commercial Cards Unauthorised Transaction Insurance Policy information booklet effective 31 March 2021 (PDF, 292KB), opens in new window. Insurance is subject to eligibility. You should consider whether the insurance available is suitable for your needs.

What do the insurance cover changes mean for NAB cardholders?

You may still be eligible for the cover available for events that occur before and after 31 March 2021.

Group policy changes take place on 31 March 2021.

Making a claim on an insurable event

An insurable event is an event, loss or damage which is insured under the cover available to you when you meet the eligibility criteria for the cover concerned.

Insurable Event before 31 March 2021

For personal customers, if an insurable event happens before 31 March 2021, for which you want to make a claim and you met the eligibility criteria, the cover available to you is set out in the NAB Card Insurance Policy Information Booklet effective 1 September 2019 (PDF, 438KB), opens in new window and NAB Purchase Protection Insurance Policy Information Booklet effective 1 September 2019 (PDF, 279KB), opens in new window.

For business customers, if an insurable event happens before 31 March 2021, for which you want to make a claim and you met the eligibility criteria, the cover available to you is set out in the NAB Commercial Cards Transport Accident Insurance Policy Information Booklet effective 1 September 2019 (PDF, 269KB), opens in new window  and NAB Commercial Cards Unauthorised Transaction Insurance Policy Information Booklet effective 1 September 2019 (PDF, 350KB), opens in new window.

Insurable Event after 31 March 2021

For personal customers, if an insurable event happens after 31 March 2021, for which you want to make a claim and you met the eligibility criteria, the cover available to you is set out in the NAB Card Insurance Policy Information Booklet effective 31 March 2021 (PDF, 506KB), opens in new window and NAB Purchase Protection Insurance Policy Information Booklet effective 31 March 2021 (PDF, 338KB), opens in new window .

For business customers, if an insurable event happens after 31 March 2021, for which you want to make a claim and you met the eligibility criteria, the cover available to you is set out in the NAB Commercial Cards Transit Accident Insurance Policy Information Booklet 31 March 2021 (PDF, 279KB), opens in new window and NAB Commercial Cards Unauthorised Transaction Insurance Policy Information Booklet effective 31 March 2021 (PDF, 292KB), opens in new window.

Learn more about our credit card insurance cover or make a claim.

Overseas Travel and Medical Insurance Cover 

You may still be eligible for the cover available but there are some updates to the group policy you need to know.

We’re changing the name of your cover

From 31 March 2021, Overseas Travel and Medical Insurance cover will be known as International Travel Insurance.

General exclusions: Pandemics and epidemics

Travel and medical insurance can help you when things go wrong but it won’t cover you for everything.

The new group policy will include a General Exclusion for pandemics and epidemics. A General Exclusion means a specific event is not covered.

Need more detail?

Go to pages 62-64 of the new NAB Card Insurance Policy Information Booklet effective 31 March 2021 (PDF, 506KB), opens in new window.

Compare policy covers: Overseas Travel and Medical Insurance Cover changes

Benefit: Travel delay

Current policy effective 1 September 2019

p26; Schedule of benefits; Section D1

No cover available for persons aged 76 years or over on the date you depart for a trip.

New policy information effective 31 March 2021

p22-23; Part C – Benefit Limits

Section 3.2 Travel Delay expenses

Benefit limit applicable to eligible beneficiary aged 76 years to under 91 years at date travel commenced.

After six (6) consecutive hours delay:

Up to $250 per person up to a maximum total limit of $500, plus, after an additional eighteen (18) hours delay:

  • Up to $500 per person up to a maximum total limit of $1,000, except when arising from an injury or sickness when no cover is available.

See p47-48; Section 3.2 Travel delay expenses for more detail.

Benefit: Resumption of trip

Current policy effective 1 September 2019

p26-27; Schedule of benefits;

Section D3

No cover available for persons aged 76 years or over on the date you depart for a trip.

New policy information effective 31 March 2021

p24-25; Part C – Benefit Limits

Section 3.4 Return home & resumption of journey (including following death of a relative).

Benefit limit applicable to eligible beneficiary aged 76 years to under 91 years at date travel commenced.

Up to a maximum of $5,000 per person up to a maximum total limit of $10,000, except when arising from an injury or sickness when no cover is available.

See p48-49 Section 3.4 Return home & resumption of journey for more detail.

Benefit: Rental vehicle damage and theft excess waiver

Current policy effective 1 September 2019

p26-27; Schedule of benefits;

Section E1

No cover available for persons aged 76 years or over on the date you depart for a trip.

New policy information effective 31 March 2021

p26-27; Part C – Benefit Limits

5.1.1 a] - Rental vehicle damage or theft

Benefit limit applicable to eligible beneficiary aged 76 years to under 91 years at date travel commenced.

Up to a maximum total limit of $5,000 per person for all claims combined.

See p56-57 Rental vehicle excess for more detail.

Benefit: Return of rental vehicle

Current policy effective 1 September 2019

p26-27; Schedule of benefits;

Section E2

No cover available for persons aged 76 years or over on the date you depart for a trip.

New policy information effective 31 March 2021

p26-27; Part C – Benefit Limits

5.1.1 b] - Return of rental vehicle

Benefit limit applicable to eligible beneficiary aged 76 years to under 91 years at date travel commenced.

Up to a maximum total limit of $250 per person for all claims combined. 

See p56-57 Rental vehicle excess for more detail.

Interstate Flight Insurance Cover

Rental vehicle excess cover will be removed. This cover will be available separately and called Rental Vehicle Excess in Australia Insurance.

Need more detail?

Go to pages 55-56 of the NAB Card Insurance Policy effective 1 September 2019 (PDF, 438KB), opens in new window.

Rental Vehicle Excess in Australia Insurance Cover

What’s changed?

When you hire a car in Australia and the entire payment of your rental vehicle is charged to your eligible NAB card account, opens in new window, you may be entitled to cover if your rental vehicle is damaged or stolen when in your care.

The maximum benefit limit available under this insurance will be up to $5,000 per person for all claims combined during each of your rental periods. 

Need more detail?

Go to pages 75-77 of the new NAB Card Insurance Policy Information Booklet effective 31 March 2021 (PDF, 506KB), opens in new window.

Price Protection Insurance Cover 

Price protection insurance cover is no longer available and will be discontinued.

Need more detail?

Go to pages 75-78 of the NAB Card Insurance Policy effective 1 September 2019 (PDF, 438KB), opens in new window

Domestic Hotel Burglary Insurance Cover 

Domestic hotel burglary insurance cover is no longer available and will be discontinued.

Need more detail?

Go to pages 59-61 of the NAB Card Insurance Policy effective 1 September 2019 (PDF, 438KB), opens in new window.

For business customers

Commercial Cards Transport Accident Insurance Cover

What’s changed?

Transport Accident Insurance will be known as Transit Accident Insurance (PDF, 279KB), opens in new window

Commercial Cards Unauthorised Transaction Insurance Cover

What’s changed?

The maximum total limit for all claims in any consecutive twelve (12) month period will increase from $150,000 to $200,000. 

Need more detail?

Go to page 6 of the new NAB Commercial Cards Unauthorised Transaction Insurance booklet (PDF, 292KB), opens in new window.

For more information or to make a claim

Within Australia

1800 187 025 (Toll free)

Monday to Friday, 8:30am to 5:00pm (AEST/ADST)

Calls from mobiles, public telephones or hotel rooms may attract additional charges.

Outside Australia

+61 7 3305 8800

Calls from mobiles, public telephones or hotel rooms may attract additional charges.

Email: cardclaims@allianz-assistance.com.au

Postal address: Locked Bag 3014, Toowong DC, QLD 4066

Important information