Fancy a holiday with your home loan?
Get 300,000 Qantas Points with a new eligible home loan of $300k or more and LVR 80% or less. T&Cs apply.
Save up to 10% with our multi-policy discount when you take out two eligible home, landlord or car insurance policies. Better yet, save up to 12.5% with three or more eligible insurance policies.disclaimer disclaimer disclaimer disclaimer
See important information. Conditions apply.
Get car insurance to suit your needs and budget. Choose from Third Party Property Damage; Third Party Property Damage, Fire and Theft; or Comprehensive Car Insurance.
Enhance your protection by selecting from our optional benefits. Whatever you need from your car insurance, we can offer a range of cover for you.
Key benefits |
Third Party Property Damage |
Third Party Property Damage, Fire and Theft |
Comprehensive |
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Cover for damage to your own vehicledisclaimer |
(Fire and theft only) |
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Cover for damage to another person's car or property, if you have an accident where you’re at fault |
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New car replacementdisclaimer |
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Car hire for up to 14 daysdisclaimer |
(Theft only) |
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Windscreen protectiondisclaimer |
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A lifetime guarantee on repairsdisclaimer |
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Use of genuine parts for repairs |
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Protection when driving for ridesharing companies like Uber or Lyftdisclaimer |
Optional benefits |
Third Party Property Damage |
Third Party Property Damage, Fire and Theft |
Comprehensive |
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No claim bonus protectiondisclaimer |
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Policy lifetime no claim bonus protectiondisclaimer |
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4 year new car replacementdisclaimer |
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Hire car after an at fault incidentdisclaimer |
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Excess-free windscreen and window glass protectiondisclaimer |
The information on this page is only a summary of some of our cover and exclusions. See the ANZ Car Insurance Product Disclosure Statement (PDF 463kB) for full details about this insurance product, including information about the benefits, premiums, exclusions and when we’ll pay under these policies.
Some of the exclusions under ANZ Car Insurance policies include:
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For home owners. Get flexible cover with either buildings and/or contents insurance.
Help protect yourself and your family if something puts you out of work. It only takes a few minutes to apply.
You never know what tomorrow may bring, but with life insurance, you can continue to look after your loved ones even if you aren’t there.
This information was published on 1 June 2019 and is subject to change.
ANZ Car Insurance is issued by QBE Insurance (Australia) Limited (ABN 78 003 191 035, AFSL 239 545) (QBE). ANZ recommends that you read the ANZ Financial Services Guide (PDF 179kB), ANZ Car Insurance Target Market Determination (PDF 196kB) and ANZ Car Insurance Product Disclosure Statement and Policy Document (PDF 463kB) (available online or by calling 13 16 14) before deciding whether to acquire, or to continue to hold, this product.
ANZ Home Insurance is issued by QBE Insurance (Australia) Limited (ABN 78 003 191 035, AFSL 239 545) (QBE). ANZ recommends that you read the ANZ Financial Services Guide (PDF 179kB), ANZ Home Building Key Facts Sheet (PDF 130kB), ANZ Home Contents Key Facts Sheet (PDF 130kB), ANZ Home Insurance Target Market Determination (PDF 199kB) and the ANZ Home Insurance Product Disclosure Statement (PDF 548kB) (available by calling 13 16 14), before deciding whether to acquire, or to continue to hold, these products.
ANZ Income Protection covers two separate financial products – Income Cover is issued by OnePath Life Limited (OnePath Life) (ABN 33 009 657 176, AFSL 238 341) and Involuntary Unemployment and Family Care Cover are issued by OnePath General Insurance Pty Limited (ABN 56 072 892 365, AFSL 288 160) (OnePath General). We recommend that you read the ANZ Financial Services Guide (PDF 479kB) and ANZ Income Protection Product Disclosure Statement and Policy Document (PDF 272kB) (available online or by calling 13 16 14) before deciding whether to continue to hold this product. This PDS relates to policies issued from 1 June 2019. Previous products (with the same name) may have different features and benefits. If you hold insurance based on an earlier PDS, please contact us if you have any questions or to have a PDS sent to you.
ANZ Life Insurance is issued by OnePath Life Limited (OnePath Life) (ABN 33 009 657 176, AFSL 238 341). We recommend that you read the ANZ Financial Services Guide (PDF 479kB), ANZ Life Insurance Product Disclosure Statement and Policy Document (PDF 145kB) (available online or by calling 13 16 14) before deciding whether to continue to hold this product. This PDS relates to policies issued from 1 June 2019. Previous products (with the same name) may have different features and benefits. If you hold insurance based on an earlier PDS, please contact us if you have any questions or to have a PDS sent to you.
Although Australia and New Zealand Banking Group Limited (ANZ) (ABN 11 005 357 522 AFSL 234527) distributes these products, ANZ does not guarantee or stand behind the issuers or their products.
This information is of a general nature and has been prepared without taking account of your personal objectives, financial situation or needs. Before acting on the information, you should consider whether the information is appropriate for you having regard to your objectives, financial situation and needs.
To be entitled to a discount on your insurance you must notify the issuers of these products at the time of application that you are an ANZ Breakfree package customer. These discounts are only available if you apply for an eligible insurance product at an ANZ branch or by calling the ANZ contact centre. The discount is only applicable to the first year’s premium and may not be available in conjunction with any other discount offer made by issuers of these products or ANZ, for full details check with your branch or ANZ contact centre. Reference to insurance premium amounts for the purposes of calculating the applicable Breakfree package benefits exclude any stamp duty, GST and other government fees, charges or levies components that are included in the total premium amount paid by you.
On and from 19 March 2022, the ANZ Breakfree Package will no longer be available for sale, and will be discontinued on or about 10 September 2022. No new Breakfree insurance discounts will be available from this date, and all other Breakfree package benefits will cease to apply.
The ANZ App is provided by ANZ. Super, Shares and Insurance (if available) are not provided by ANZ but entities which are not banks. ANZ does not guarantee them. ANZ recommends that you read the ANZ App Terms and Conditions available at anz.com and consider if this service is appropriate to you prior to making a decision to acquire or use the ANZ App.
Apple, the Apple logo, iPhone and iPad are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc.
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ANZ Home Insurance is issued by QBE Insurance (Australia) Limited (ABN 78 003 191 035, AFSL 239 545) (QBE). ANZ recommends that you read the ANZ Financial Services Guide (PDF 179kB), ANZ Home Building Key Facts Sheet (PDF 130kB), ANZ Home Contents Key Facts Sheet (PDF 130kB), ANZ Home Insurance Target Market Determination (PDF 199kB) and the ANZ Home Insurance Product Disclosure Statement (PDF 548kB) (available by calling 13 16 14), before deciding whether to acquire, or to continue to hold, these products.
ReturnANZ Landlord Insurance is issued by QBE Insurance (Australia) Limited (ABN 78 003 191 035, AFSL 239 545) (QBE) and distributed by ANZ under its own license. ANZ recommends that you read the ANZ Financial Services Guide (PDF 179kB), ANZ Landlord Insurance Target Market Determination (PDF 208kB) and ANZ Landlord Insurance Product Disclosure Statement and Policy Document (PDF 709kB) (available online or by calling 13 16 14) before deciding whether to acquire, or to continue to hold, this product.
ReturnANZ Car Insurance is issued by QBE Insurance (Australia) Limited (ABN 78 003 191 035, AFSL 239 545) (QBE). ANZ recommends that you read the ANZ Financial Services Guide (PDF 179kB), ANZ Car Insurance Target Market Determination (PDF 196kB) and ANZ Car Insurance Product Disclosure Statement and Policy Document (PDF 463kB) (available online or by calling 13 16 14) before deciding whether to acquire, or to continue to hold, this product.
ReturnANZ’s multi policy discount (MPD) is only available if you hold two or more of any of the following policies and are a named insured with the same name on each policy: ANZ Home Insurance, ANZ Landlord Insurance and ANZ Car Insurance (Eligible Policies). For two Eligible Policies, the MPD is 10%; for three or more the MPD is 12.5%. The MPD is calculated as a percentage discount of the annual base premium per policy. If you already hold one or more Eligible Policies, the MPD is applied to the newest policy immediately, and for existing policies upon next renewal. If you do not hold any Eligible Policies with us and purchase multiple Eligible Policies simultaneously, no MPD is applied to the first policy, a 10% MPD is applied to the second, a 12.5% is applied to each policy thereafter, and the relevant MPD of 10% or 12.5% will be applied to all policies (including the first) on renewal. The MPD rate is subject to change.
Discounts are applied across all premium components and are calculated before taxes and charges.
ReturnCovers accidents where you’re at fault, fire, theft and vandalism, as well as damage from a range of natural events, including bushfires, hail, storms and floods. We will not cover your vehicle for loss or damage caused by a bushfire, flood or named cyclone within 48 hours of the start date of your Policy, except within certain circumstances.
ReturnIf your car is less than two years old and is written off, we’ll replace it with a new one, provided that the car has not travelled more than 30,000km.
ReturnAfter theft or a not at fault accident, up to $75 a day.
ReturnPay no excess on your first claim or on any claim where the glass is repaired.
ReturnWe won't offer this benefit if:
- we haven't authorised the repairs
- we've paid you the repair cost directly.
You use your vehicle for ridesharing for a fee in Australia where it's legal to do so, and if you were registered as available for fewer than 32 hours in the seven days prior to the incident. Ridesharing doesn't mean using your vehicle as a chauffeur, limousine driver, taxi driver, hire car driver, or bus driver.
ReturnProtect your no claim discount if you make one at fault claim during your period of insurance.
ReturnYour no claim discount will not be reduced by any at fault claims you make. To have this option on your policy you must:
- currently have a maximum no claim bonus; and
- have held an Australian driving licence for 7 years.
If your car is less than four years old and is written-off, we'll replace it with a new one, provided that the car has not travelled more than 100,000km, you are the original owner and have insured the car with us for the first 3 years of purchase.
ReturnUp to $75 per day limited to 14 days, when your vehicle is repaired, or when we pay your claim, whichever happens first.
ReturnDo not pay an excess on your second or subsequent glass claim in any one period of insurance if your windscreen or window glass needs to be repaired or replaced.
ReturnThere are some circumstances under which we will cover business use - for example, the partner of a florist may use the car three days a week to transport flowers.
ReturnOn and from 19 March 2022, the ANZ Breakfree Package will no longer be available for sale, and will be discontinued on or about 10 September 2022. No new Breakfree insurance discounts will be available from this date, and all other Breakfree package benefits will cease to apply.
ReturnReference to insurance premium amounts for the purposes of calculating the applicable Breakfree Package benefits exclude any stamp duty, GST and other government fees, charges or levies components that are included in the total premium amount paid by you.
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