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Car Insurance

Great value car insurance to suit every budget.

Accidents can happen to anyone, even the most experienced driver. Australian Unity Car Insurance can help take the worry out of driving. Whether you’re looking for comprehensive cover to protect your vehicle, or just for damage you cause to others we can arrange a policy to suit. 

Enjoy valuable standard benefits to keep you covered if you have an accident, as well as a range of optional extras. 

  • Select type of cover, from:
    • comprehensive,
    • third party, fire and theft, or
    • third party-only.
  • Flexible options for payment of premium.
  • Protection against uninsured motorists.
  • Legal liability cover, subject to specified limits.
  • Choice of repairer and lifetime guarantee for approved repairs.

Peace of mind, that’s friendly to your budget

Competitive, convenient cover backed by QBE

We aim to do everything we can to make things easy for you, whether you’re applying for cover, or making a claim.

You can apply online or by phone. There are even flexible payment options including fortnightly, monthly, or annual direct debit or credit card payments (excluding Diners Club).

If an accident or other insured event occurs, we’ve made claiming simple too. Our policies are underwritten by QBE Insurance (Australia) Ltd, one of Australia’s leading insurers. You get QBE's experience, security and strength – as well as its prompt, efficient and friendly claims service.

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Important information

Getting the right cover is important. That’s why we’ve put all the extra information you need in one, easy to use place.

If you need to make a claim we won't make you wade through paperwork. QBE has a 24-hour emergency claims number. In most cases, you need just provide details over the phone. To make a claim, call 1300 734 729.

It’s important you read the relevant Financial Services Guide before acting on any advice or taking out insurance through us. You can download the FSG here.

There are various ways to enjoy discounts on your premium when you take out insurance through Australian Unity. See the PDS for terms and conditions.

Select your excess

Your excess is the initial amount you may have to pay yourself if you make a claim. To make life easier, you can choose your level of excess at the time of applying for cover. The higher the excess you choose, the lower the premium you’ll pay.

No claims bonus

A range of bonuses are available that reward you for not making a claim. Terms and conditions apply. To find out if you’re eligible, call us on 1800 171 889.

Seniors discount

Named policyholders over 50 years old are entitled to the over 50s discount.

Retirees' discount

If you are retired and no longer working more than 20 hours a week your premium will reflect the lower-risk nature of your circumstances.

Multi-policy discount#

If you hold one of our QBE-backed policies, you’ll receive a discount on each additional QBE Insurance policy you take out through us.

#Multi-policy discount is available on your first policy after renewal and is available for Home, Landlord and Motor vehicle policies that you purchase through Australian Unity.

Terms, conditions and acceptance criteria apply. Applicable cover limits and exclusions are specified in the combined PDS and policy wording.

Cover is subject to acceptance and terms and conditions apply.

Australian Unity Car Insurance products are issued by QBE Insurance (Australia) Limited (ABN 78 003 191 035, AFSL 239545). The promoter of Australian Unity Car Insurance is Australian Unity Personal Financial Services Limited (AUPFS) (ABN 26 098 725 145, AFSL 234459), 114 Albert Road, South Melbourne, VIC 3205), a subsidiary of Australian Unity Limited. It is important that you read our Financial Services Guide before acting on any advice or acquiring any insurance product through AUPFS as agent of the insurer. The AUPFS FSG is available here.

Any statement on this site is general advice only and does not consider your personal situation or objectives. You should read the relevant Product Disclosure Statement (PDS) before deciding to acquire a product. Please review the cover limits, definitions and exclusions as set out in the combined PDS and policy wording to determine whether the product is right for you. This material does not take into account your personal needs, objectives and financial circumstances and you should consider whether the product is appropriate for your needs.