Car insurance

Here's what you get:

A choice of cover: Comprehensive or Third Party Property Damage
Choose your own repairer¹
Access to our 24/7 claims lodgement service
A range of ways to save on your insurance premium⁶

Ready to roll?

Decide which type of cover suits you best
Have your registration number handy
Know of any additional accessories, vehicle modification details or security devices not supplied by the car manufacturer
Make sure you have details, including claims history, and date of birth for all drivers you want to insure

Keep in mind, information on this page is just a snapshot. Certain things are excluded, some situations aren't covered and sub-limits apply. Details on what's covered and what's not, the most you can be paid, and excesses that apply are in the NAB Car Insurance Product Disclosure Statement (PDF, 473KB). It's important you read this document together with the NAB Financial Services Guide before buying a policy.

Policy options available:

Comprehensive

Our highest level of cover which covers you for loss or damage to your vehicle caused by fire, theft, accidents and malicious damage.
It also covers your legal liability for loss or damage caused by a motor vehicle accident which is partly or fully your fault.

Third Party Property Damage

Provides cover for loss or damage to someone else's property caused by a motor vehicle accident which is partly or fully your fault.

This summary is a guide only. Please read the NAB Car Insurance Product Disclosure Statement (PDF, 473KB) carefully to understand what's covered and excluded, which situations aren't covered, sub-limits, the most you can be paid, and excesses that apply.

Rental car following an Accident

Optional rental car for up to 30 days after an accident – $100 per day maximum.

Nil excess on windscreen claims

Removal of basic excess for windscreen, sunroof and window glass claims. Limited to 1 replacement claim and 2 repairs claims each year of your policy.

Tools of Trade

Covers loss or damage to your tools of trade locked in your car – up to $3,000 any one incident.

To find out more about the optional benefits refer to the NAB Car Insurance Product Disclosure Statement (PDF, 473KB).

Step 1 Get a quote online now - or call us on 13 29 28
Step 2 Buy online - it's easy and secure
Step 3 Make a claim anytime using the 24/7 claims lodgement service

Get a quote

Continue your quote

Keep in mind, information on this page is just a snapshot. Details on what's covered and what's not, the most you can be paid, excesses and if you're eligible to be covered are in the NAB Car Insurance Product Disclosure Statement (PDF, 473KB). It's important you read it.

Different levels of insurance
	Comprehensive	Third party property damage
Benefits	Comprehensive	Third party property damage
Cover for accidental loss of or damage to your vehicle	Comprehensive ✔	Third party property damage ✖
New for old vehicle replacement of a new vehicle after a total loss, if you purchased your vehicle new from the manufacturer or dealer, and your vehicle is less than 2 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.	Comprehensive ✔	Third party property damage ✖
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.	Comprehensive ✔	Third party property damage ✔
Approved legal costs arising from a claim for liability covered by the policy	Comprehensive ✔	Third party property damage ✔
Cost of emergency repairs – up to $500 for any one covered accident	Comprehensive ✔	Third party property damage ✖
Rental car after theft of your vehicle ($100 per day limit, up to 30 days)	Comprehensive ✔	Third party property damage ✖
Reasonable cost of towing after a covered accident	Comprehensive ✔	Third party property damage ✖
Temporary cover on replacement vehicle – 14 days	Comprehensive ✔	Third party property damage ✖
More Benefits	Comprehensive	Third party property damage
Trailer and caravan cover – $1,000 or market value whichever is the lesser	Comprehensive ✔	Third party property damage ✖
Legal liability cover when using a substitute vehicle – up to $20 million	Comprehensive ✔	Third party property damage ✔
Cover for personal items in your vehicle – up to $1,000 for any one incident	Comprehensive ✔	Third party property damage ✖
Cover for reasonable additional accommodation and travelling expenses after a covered accident, provided that your vehicle was more than 100km from where it is normally parked at night – up to $1,000 for any one accident	Comprehensive ✔	Third party property damage ✖
Cover for transportation costs if your vehicle cannot be safely driven home after a covered accident – up to $500 for any one incident	Comprehensive ✔	Third party property damage ✖
Lock re-keying and re-coding if the keys to your vehicle are stolen – up to $1,000 for any one incident	Comprehensive ✔	Third party property damage ✖
Cover for child seat and baby capsule in your vehicle after a covered accident – up to $500 for of any one accident	Comprehensive ✔	Third party property damage ✖
Optional benefits you can add	Comprehensive	Third party property damage
Rental car following an accident – up to 30 days, a maximum of $100 per day	Comprehensive ✔	Third party property damage ✖
Removal of basic excess for windscreen claims – up to 2 repairs and 1 replacement claim in any one period of insurance (windscreen, sunroof or window glass)	Comprehensive ✔	Third party property damage ✖
Cover for tools of trade – up to $3,000 for any one incident	Comprehensive ✔	Third party property damage ✖
Optional excesses you can select to decrease your premium	Comprehensive	Third party property damage
Unnamed driver excess – $2,500 for any one claim	Comprehensive ✔	Third party property damage ✖

If I purchase NAB Car Insurance, who is my insurer?

My child is under 25 and has a probationary licence. They drive my car, but aren’t listed as a driver on my insurance policy. Will I have to pay an excess if they have an accident?

If your child was not listed on your policy and had an accident covered by your policy, you may have to pay an ‘Age excess’, in addition to the ’Basic Excess’.

My child is a learner driver and I want to teach them to drive in the car insured with Allianz. Do I need to inform you?

No. Learner drivers are automatically covered provided the instructing driver meets the policy criteria as set out in your schedule and PDS.

I have bought a new accessory for my vehicle and I want it covered if it gets stolen. What should I do?

To have a non-standard accessory covered under your car insurance policy you need to let Allianz know the details and value of the accessory. You need to do this for all non-standard accessories (those not fitted by the car manufacturer) to ensure you are covered in the event of a car insurance claim. Remember to also keep a record of your purchases.

Can a family member enquire or make changes to my car insurance policy?

Unless they are authorised on your car insurance policy, we are unable to provide any information nor can they action any requests on your behalf. Please contact our staff on 13 29 28 to discuss what is involved in providing them access to your car insurance policy.

Do it online

Make a claim

Call 1300 555 013

Using Allianz's Claims hotline,
a friendly consultant will take you
through the process.

Important Information

¹You have the right to choose your own repairer. Allianz can also assist you in selecting a suitable repairer to repair the damage to your vehicle. Allianz may require a second quotation from a repairer chosen by Allianz. Allianz may choose to pay you the reasonable cost of repairing your vehicle.

²Offer valid for new NAB Car Insurance Comprehensive insurance policies purchased from 12am AEST on 16 September 2019 until offer withdrawn. 12 months roadside assistance at no extra cost is offered by Allianz and provided by AWP Australia Pty Ltd (ABN 52 097 227 177), trading as Allianz Global Assistance. Full exclusions, limitations and terms and conditions are available in the Roadside Assistance Terms and Conditions. Allianz has appointed Allianz Global Assistance to manage Roadside Assistance. Allianz Global Assistance acts for Allianz, and not as your agent.

³Any online discounts offered are applied to our standard rates (excluding optional covers) and are for the first year’s premium only (if stated). From time to time, promotional or other discounts may be available for customers who apply for insurance via our Contact Centre. The online discount does not apply to Third Party Property Damage policies.

⁴Safe Driver Discount applies to comprehensive NAB Car Insurance policies only. Any discount entitlement is determined by the insurance history and driving history of all drivers on the policy and the number of claims made by them. If eligible, the maximum Safe Driver Discount that may be applied on new policies is 10%.

⁵Reduce your premium by listing your drivers. If you choose to reduce your premium by naming drivers on your policy, an unnamed driver will incur a $2,500 excess (this replaces the basic and all other excesses where applicable).

⁶Minimum premiums may apply. Any discounts/entitlements may be subject to rounding and only apply to the extent any minimum premium is not reached. If you are eligible for more than one, each of them are applied in a predetermined order to the premium (excluding taxes and government charges) as reduced by any prior applied discounts/entitlements. Discounts may not be applied to the premium for optional covers.

Information on this site about the coverage offered by this product is a summary only. Terms, conditions, limits and exclusions and eligibility criteria apply. Coverage, Benefits and Events Covered are up to policy limits. Please read the Policy Document and Product Disclosure Statement (PDF, 473KB), and the NAB Financial Services Guide and consider them before making a decision whether to purchase this insurance. Insurance cover is subject to eligibility.

Allianz Australia Insurance Limited (ABN 15 000 122 850 AFSL 234708) (Allianz) is the insurer and issuer of this insurance. Allianz has entered into a distribution arrangement with National Australia Bank Limited (ABN 12 004 044 937) (NAB). Under this arrangement, NAB is authorised to arrange for the issue of this insurance by Allianz as its agent, not yours. All other services provided by NAB in relation to this insurance are not provided on behalf of Allianz. Neither NAB, nor any of its related bodies corporate, accept liability or guarantee payment of any claim or benefit in respect of this insurance. A policy does not represent a deposit with, or a liability of, nor is guaranteed by either NAB or any of its related bodies corporate.

NAB is paid commission if Allianz issue you with this insurance (including renewals and variations) which is a percentage of your premium and may be entitled to a profit share or marketing allowance if certain thresholds are met in agreed periods regarding this and other types of insurance policies entered into under NAB’s arrangement with Allianz. Details are provided in the NAB (AFSL 230686) NAB Financial Services Guide, available in branch, by calling 13 29 28 or at nab.com.au/insurance.

Any advice contained is general only and does not take into account your particular objectives, financial situation or needs (personal circumstances). As a result, you should consider whether any such advice is suitable for your personal circumstances. You may wish to make this assessment yourself or seek the help of an adviser.