NAB Car Insurance

Standard benefits

• Cover for accidental loss of or damage to your vehicle.
• New for old vehicle replacement of a new vehicle after a total loss, if you purchased your vehicle new (or as a demonstrator model) from the manufacturer or dealer, and your vehicle is less than two years old from its first registration at the time it is declared a total loss. The vehicle also has to be available in Australia for this benefit to apply and if financed, the financier has to give permission.
• Cover for legal liability to pay compensation for loss or damage to other people's property – up to $20 million for any one event or series of related events.
• Approved legal costs arising from a claim for liability covered by the policy.
• Rental car after theft of your vehicle ($100 per day limit, up to 30 days).
• Reasonable cost of towing after a covered accident.
• Temporary cover on replacement vehicle – 14 days.

Additional benefits

• Trailer and caravan cover – $1,000 or market value whichever is the lesser.
• Legal liability cover when using a substitute vehicle – up to $20 million.
• Cover for personal items in your vehicle – up to $1,000 for any one incident.
• Cover for reasonable emergency accommodation and travelling expenses after a covered accident, provided that your vehicle was more than 100 kilometres from where it is normally parked at night – up to $1,000 for any one accident.
• Cover for transportation costs if your vehicle cannot be safely driven home after a covered accident – up to $500 for any one incident.
• Lock re-keying and re-coding if the keys to your vehicle are stolen – up to $1,000 for any one incident.
• Cover for replacement of child seat and baby capsule in your vehicle after a covered accident – up to $500 for of any one accident.

Optional cover

• Rental car following an accident – up to 30 days, a maximum of $100 per day.
• Removal of basic excess for windscreen claims – up to two repairs and one replacement claim in any one period of insurance (windscreen, sunroof or window glass) where this is the only damage to your vehicle.
• Cover for tools of trade – up to $3,000 for any one incident.

Optional excesses you can select to decrease your premium: Unnamed driver excess – $2,500 for any one claim.

Exclusions

Vehicles that are unsafe (or in un-roadworthy condition) or driven by unlicensed or suspended drivers or drivers under the influence of drugs or alcohol are not covered by this policy. 

In order to be sure that you are covered under this policy you should always contact us for approval before you incur expenses you wish to claim. If you do not, we will pay for expenses incurred to the amount we would have authorised had you asked us first.

Standard benefits

• Cover for legal liability to pay compensation for loss or damage to other people's property – up to $20 million for any one event or series of related events.
• Approved legal costs arising from a claim for liability covered by the policy.

Additional benefits

• Legal liability cover when using a substitute vehicle – up to $20 million.

Exclusions

Accidental loss or damage to or theft of your vehicle, as well as loss or damage to someone else's property if your vehicle was unsafe (or in un-roadworthy condition) or driven by unlicensed or suspended drivers or drivers under the influence of drugs or alcohol are not covered by this policy.

In order to be sure that you are covered under this policy you should always contact us for approval before you incur expenses you wish to claim. If you do not, we will pay for expenses incurred to the amount we would have authorised had you asked us first.