Car Insurance

Don’t be caught without car insurance. With NAB Car Insurance, you can select a level of cover to suit your budget and protection needs.

Get a quote

Here's what you get:

A choice of 3 levels of cover: Comprehensive, Third Party Fire & Theft, and 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 premium

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

Peace of mind
A SNAPSHOT OF THIS 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 to pay compensation for loss or damage caused by a motor vehicle accident which is partly or fully your fault.

Third Party Fire & Theft

Covers you against accidental loss of or damage to your vehicle caused by fire or theft.
Provides cover for loss or damage to someone else's property or vehicle caused by a motor vehicle accident which is partly or fully your fault.

Third Party Property Damage

Provides cover for loss or damage you cause to someone else's property or vehicle caused by a motor vehicle accident.

This snapshot is a guide only. For information on what’s covered and what’s excluded, and any limits and excesses that apply, refer to the Product Disclosure Statement for NAB Car Insurance. Please read the NAB Financial Services Guide before applying for this product.

Make it work for you
Tailor your comprehensive cover

Protect your No Claim Bonus

Option to protect your No Claim Bonus in the event of an at-fault accident.

Rental car

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 and window glass claims. Limited to 1 replacement claim and 2 repairs claims each year of your policy.

Trade tools

Covers loss or damage to your tools of trade locked in your car – up to $1,500 any one incident

Enjoy the benefits
AND WAYS TO SAVE

Why NAB?
Leave your worries behind

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 service

Compare our
Different levels of cover

	Comprehensive Insurance	Third party fire & theft	Third party property damage
Benefits
Cover for accidental loss of or damge to your vehicle by fire or theft	✔	✔	✖
Cover for accidental loss of or damage to your vehicle (caused by events other than fire or theft)	✔	✖	✖
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.	✔	✖	✖
Cover for legal liability to pay compensation for loss or damage to other people's property and bodily injury– up to $20 million for any one event or series of related events.	✔	✔	✔
Legal costs	✔	✔	✔
Accidental death benefit - $25,000 per period of insurance	✔	✖	✖
Emergency repairs – up to $500 in respect of any one incident	✔	✖	✖
Rental car after theft ($100 per day limit, up to 30 days)	✔	✔	✖
Reasonable cost of towing	✔ (after a covered accident)	✔ (after fire or theft)	✖
Temporary cover on replacement vehicle – 14 days	✔	✖	✖
More Benefits
Trailer and caravan cover - $1,000 or market value whichever is the lesser	✔	✖	✖
Legal liability cover when using a substitute vehicle	✔	✔	✔
Personal items – up to $1,000 for any one incident	✔	✖	✖
Emergency accommodation and travelling expenses – up to $1,000 for of any one incident	✔	✖	✖
Transportation costs – up to $1,000 for any one incident	✔	✖	✖
Lock re-keying and re-coding – up to $1,000 for any one incident	✔	✖	✖
Child seat and baby capsule cover – up to $1,000 for of any one incident	✔	✖	✖
Optional benefits you can add
Protected No Claim Bonus - First claim per period of insurance	✔	✖	✖
Rental car following accident - $100 per day limit, up to 30 days	✔	✖	✖
Removal of basic excess for windscreen claims - 1 replacement and 2 repairs in any period of insurance	✔	✖	✖
Cover for tools of trade – up to $1,500 for theft or damage of tools of trade, stock or materials	✔	✖	✖
Optional excesses you can select to decrease your premium
Restricted driver excess - $2,500 for any one claim	✔	✖	✖
Unnamed driver excess - $2,500 for any one claim	✔	✖	✖

This snapshot is a guide only. For information on what’s covered and what’s excluded, and any limits and excesses that apply, please refer to the Product Disclosure statements for the Product Disclosure Statement for NAB Car Insurance. Please read the NAB Financial Services Guide before applying for this product.

Have any questions?
Let's get you sorted

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

NAB Car Insurance is arranged and distributed by National Financial Management Limited, a related body corporate of NAB. We do this on behalf of Allianz, one of Australia’s largest general insurers, who supplies and underwrites this product. This means, if you purchase NAB Car Insurance, and need to make a claim, Allianz are there for you with their 24 hour claims line – helping you get back on track again as soon as possible.

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 ‘Undeclared Young Driver Excess’, plus the ’Basic Excess’, and ‘Age Excess’. If they were listed on the policy, you would not be required to pay the ‘Undeclared young driver 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 sound system for my vehicle and I want it covered if it gets stolen. What should I do?

To have a non-standard accessory like a sound system covered under your car insurance policy you need to let us know the value of the accessory so that it can be added to your policy schedule. You need to do this for all non-standard accessories (those not fitted by the car manufacturer and modifications that you have made to the vehicle 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.

How to
MAKE A CLAIM

Do it online

Make a claim

Call 1300 555 013

Using Allianz's Claims hotline,
a friendly consultant will take you
through the process. It's available 24/7.

Important Information

¹You have the right to choose your own repairer. Allianz can 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 11 June 2014 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 (“AGA”). Full terms and conditions available at nab.com.au/roadsideoffer. Allianz has appointed AGA to manage Roadside Assistance. Allianz Global Assistance acts for Allianz, and not as your agent.

³No claim bonus discount amounts vary from State to State. To qualify for the maximum no claim bonus of 65%, customers must have had no at fault motor claims in the preceding five years. Customers who have had at fault claims may still qualify for a reduced no claim bonus.

⁴Any online discounts offered are applied to our standard rates (excluding optional covers) and are for the first year’s premium only (unless stated otherwise). 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 Fire & Theft policies and Third Party Property Damage policies.

⁵Safe Driver Discount applies to new NAB Comprehensive Car Insurance policies only. To be eligible for a safe driver discount the rateable driver must be aged 30 years or over; the insured (owner) must have held a maximum no claim bonus for the last five consecutive years; and all nominated drivers must have had no at fault claims for the last five years.

⁶Reduce your premium by restricting your policy to drivers who are 25 years of age or over. Only applicable to NAB Comprehensive Car Insurance policies. A restricted driver excess will be applied in the event of an accident where the driver is under 25.

⁷Minimum 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, 519KB), 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 No 234708 (“Allianz”) is the insurer and the issuer of NAB Car Insurance which has been branded “NAB” by National Australia Bank Limited (ABN 12 004 044 937, AFSL and Australian Credit Licence 230686) (“NAB”).

This insurance is arranged by National Australia Financial Management Limited (ABN 56 000 176 116 AFSL 230699) (“NAFM”), a member of the NAB Group of companies, as an agent for Allianz, and not as your agent. As the arranger, NAFM will receive commission from Allianz that is a percentage of the premium. Neither NAB, nor any of its related bodies corporate (including NAFM), accepts liability for, or guarantees payment of, any claim or benefit in respect of NAB Car Insurance. A NAB Car Insurance policy does not represent a deposit with or a liability of, and is not guaranteed by either NAB or any of its related bodies corporate. NAFM receives commission for arranging these insurances which is a percentage of the ‎premium.

Any information or advice contained on this site has been prepared without taking into account your particular objectives, financial situation or needs. You may wish to make this assessment yourself or seek the help of an adviser.