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Car Insurance

Eligible Safe drivers who buy online could save up to 15% in the first year on a new comprehensive motor insurance policy through Australian Unity*

*Conditions apply

Comprehensive car insurance through Australian Unity

With a great range of features as well as optional benefits to suit customers with different needs.

Up to 10% off your first year's premium when you buy a new Comprehensive Motor Insurance policy online1,2

Safe Driver Discount for eligible drivers 1,3

A discount when you select the Named Driver option and list all your drivers on the policy 1, 4

Pay by the month at no extra cost 5
Choose your own repairer 6
Award-winning insurance with great service 8

Cover Options

Accidents can happen to anyone, even the most experienced driver. Car Insurance through Australian Unity can help take the worry out of driving. Whether you’re looking for comprehensive cover for your vehicle, or just for damage you cause to others, Car Insurance through Australian Unity offers a range of features and benefits designed to suit customers with different needs.

Comprehensive Insurance

The highest level of cover we offer for your vehicle which provides cover for fire, theft, accidents and malicious damage. It may also cover your legal liability for loss or damage to someone else’s property caused by a motor vehicle accident which is partly or fully your fault.7


View PDS

Third Party Property Damage

Covers your legal liability for loss or damage to someone else's property caused by a motor vehicle accident which is partly or fully your fault. 7



View PDS

Comprehensive & Third Party Property Damage Comparison Table

This is a summary only. For information on what is covered and not covered and the standard terms, conditions, limits and exclusions of cover, please read the Product Disclosure Statement.

Comprehensive Cover Third Party Property Damage Cover

Key Benefits:

Cover for accidental loss of or damage to your vehicle

New replacement car if the car you bought new or as a demonstrator (less than two years old from original registration) is a total loss.
Cost of emergency repairs after a covered accident Up to $500 any one incident
Rental car following theft of your vehicle Up to $100 per day for up to 30 days
Child seat or baby capsule cover
Up to $500 any one incident
Legal liability up to $20 million any one event or series of events
Personal effects and clothing damaged in an accident or stolen from your locked vehicle Up to $1000 any one incident
Emergency accommodation and travelling expenses Up to $1,000 if more than 100km from home any one incident
Transportation costs if your vehicle cannot be driven home after an accident Up to $500 any one incident
Reasonable cost of towing after a covered accident
Legal costs in defending claims covered by the policy
Trailer and Caravan cover Lesser of $1,000 or market value any one claim
Lock re-keying / re-coding if the keys to your vehicle are stolen Up to $1,000 any one incident
Temporary cover on replacement vehicle - 14 days
Optional cover you can add
Rental car after accident Up to $100 per day for up to 30 days
Cover for tools of trade Up to $3,000 any one incident
Removal of basic excess for 1 windscreen replacement and 2 repairs in each period of insurance (windscreen, sunroof or window glass)
Choice of Market or Agreed Value



Getting started

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

Get a Quote

Call 1300 130 935

Mon-Fri 8.30am - 5.30pm AEST
To discuss any of the insurance products featured or obtain a quote.

A range of ways to save

  • Named Driver Option - If you know exactly who will be driving your vehicle and are prepared to name specific drivers on your policy, you may be able to save on your premium.1,7
  • Increase Your Basic Excess - Choosing a higher excess may reduce your comprehensive motor insurance premium.4
  • Safe Driver Discount - You may also be eligible for a safe driver discount based on the driving record and claims history of all drivers nominated on the policy. Your eligibility for this discount is determined when you start your policy with us and is displayed on your policy schedule for your reference.1,3
  • Online discount - Up to 10% discount on your first year’s premium when you buy a new Comprehensive Motor insurance policy online.1, 2

More Information

Financial Services Guide

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

Got more questions?

How to make a claim

Online, any time

A convenient way to lodge an insurance claim is via online claim form. You can submit your insurance claim notification 24 hours a day, 7 days a week.

Once your insurance claim is lodged, a friendly claims consultant will contact you as soon as possible.

  • Secure form
  • No phone queues
  • Immediate confirmation number for your reference
Submit Claim

Over the phone

Alternatively, call the claims hotline available Monday to Friday, 9am to 5pm AEST and a consultant will help you with the claims process.



Claims Hotline:
Call 1300 555 030

Understanding Car Insurance

Comprehensive Car Insurance provides cover for fire, theft, accidents and malicious damage. It also covers your legal liability for loss or damage to someone else's property caused by a motor vehicle accident which is partly or fully your fault.

It also includes the reasonable costs of towing after a covered accident, the cost of emergency repairs up to $500, lock re-keying or re-coding if the keys to your vehicle are stolen up to $1000 and Replacement of any Child Seat or Baby Capsule in the vehicle after a covered accident up to $500 in any one incident.

Our Comprehensive Car Insurance policies include cover for accidental damage or loss to your car including flood, storm and hail. Please note that a 72 hour waiting period applies to cover for loss or damage caused by cyclone, flood or bushfire. Refer to the PDS for more information and terms and conditions including your responsibilities .

Compulsory Third Party Car Insurance is required in all states of Australia. It is often referred to as CTP insurance. CTP Insurance provides you with cover for people killed or injured in a motor vehicle accident for which you or the driver of your vehicle are at fault. Note that CTP insurance does not provide any cover for damage to property.

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

A car insurance excess is the amount you must pay for each incident when you make a claim. Unless we state otherwise, when you make a claim under the policy, you will need to pay an excess – which is a type of co-payment toward your claim.

Having an excess can help to keep the cost of premiums down by reducing the number of small claims. The amount and type of excess you will pay will be shown in your policy schedule.

For full details of conditions and exclusions please refer to your policy schedule or the relevant PDS

Comprehensive Car Insurance provides cover for theft. You also get a Rental car following theft of your vehicle, up to 30 days at a maximum rate of $100 per day, subject to the terms, conditions, limits and exclusions in the PDS.

We will extend your rental car or daily travel allowance period to the extent that we caused or contributed to the delay in repairing your vehicle.

It is important to list all drivers on your policy. If the driver is not listed on the policy and you need to make a claim, you may need to pay an age excess if they are under 25 or an unnamed driver excess where the Named driver option is selected.

For full details of the standard terms, conditions, limits and exclusions please refer to the relevant PDS.

Important Information

Australian Unity Bank Limited, ABN 30 087 652 079 AFSL No 237994 is authorised to refer you online to the insurer Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL No 234708 (Allianz) and to arrange this insurance over the phone and provide you with general advice on this insurance as agent for Allianz. We do not provide any advice based on any consideration of your objectives, financial situation or needs. Therefore, you should consider whether the advice is suitable for you and your personal circumstances. Terms, conditions, limits and exclusions apply. Before making a decision, please consider the Product Disclosure Statement availablehere.

If you purchase this insurance, we will receive a commission that is 10% of the premium. Ask us for more details before we provide you with services. It’s important that you read our Financial Services Guide before acting on any advice or taking out insurance through us. You can download the Australian Unity Bank Limited FSG here.

The relevant Target Market Determination is available by calling 1300 130 935.

  • * Save up to 15% on Comprehensive Motor Insurance is a combination of two discounts: 10% on your first year’s premium when buying a new policy online, and 0-10% Safe Driver Discount (SDD), based on the driving history of all drivers named on the policy. Save up to 15% discount is based on data which shows a substantial proportion of customers will receive a 5% SDD on their premiums. If you are eligible for more than one discount, we apply each of them in a predetermined order (excluding taxes and government charges). This means the effect of applying any subsequent discount will be reduced. For example, the combined effect of applying two 10% discounts consecutively means you will not see the full benefit of both discounts. Discounts may be subject to rounding and only apply to the extent any minimum premium is not reached. Promotional or other discounts may apply from time to time for customers who apply for insurance via other methods. Discounts do not apply to the premium for optional covers.
  • 1. Minimum premium 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, we also apply each of them 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.
  • 2. The online discount applies to new Comprehensive Motor Insurance policies only. Any online discounts offered are applied to our standard rates (excluding optional covers) and are for the first year’s premium only (unless otherwise stated). Promotional or other discounts may apply from time to time for customers who apply for insurance via other methods.
  • 3. The Safe Driver Discount applies to Comprehensive Motor 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 up to 10%.
  • 4. Applicable to Comprehensive Motor Insurance policies only, If you choose to reduce your premium by selecting the Named Driver option and naming all drivers on your policy, an unnamed driver will incur a $2,500 excess (this replaces the basic and all other excesses where applicable).
  • 5. Premiums payable by instalments may be subject to minor adjustments (upwards or downwards) due to rounding and financial institution transaction fees may apply.
  • 6. Allianz may authorise repairs by your chosen repairer or pay you reasonable repair costs or the car's agreed or market value. In certain circumstances, we may agree with you to use a different repairer than the one that you selected or pay you the reasonable repair costs. We will act reasonably in doing so.
  • 7. Subject to the terms, conditions, limits and exclusions in the PDS.
  • 8. Allianz Australian Awards: Winner of the Large General Insurance Company of the Year in 2018, 2017, 2016, 2014, 2013, 2012, 2011. General Insurance Company of the Year for 2018, 2017 & 2014 at the RFi Group Australian Insurance Awards. 2019 Insurance Business Australian General Insurer of the Year for the strength of its products, focus on customer service innovation and overall support to the insurance intermediary channel. Gold for Overall Excellence in Claims 2019 and 2018, Silver for SME Property and Casualty 2019 and 2018; and Personal Lines for 2019 and 2017 at the Mansfield Awards.