Be confident with cover that's right for you
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.
What's covered
Key benefits |
Third Party Property Damage |
Third Party Property Damage, Fire and Theft |
Comprehensive |
|---|---|---|---|
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 |
(Not at fault incidents only) |
(Theft only) |
|
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 |
|---|---|---|---|
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 1.2MB) for full details about this insurance product, including information about the benefits, premiums, exclusions and when we’ll pay under these policies.
What's not covered?
Some of the exclusions under ANZ Car Insurance policies include:
- If the driver is under the influence of drugs or alcohol.
- Penalties or fines, or loss or damage deliberately caused by you, your family, a nominated driver, or a passenger of your vehicle.
- If you are using your car for business use, an unlawful purpose, or for sport.disclaimer
- Tyre damage not caused by a covered event, such as bursting and puncturing.
- If your car is unregistered, damaged or in an unsafe condition.
- The cost of replacing or repairing parts damaged by rust, wear or that have broken down.
Ways to save
- Enjoy an instant multi-policy discount when you purchase a new policy, and on all your policies at renewal, when you hold two or more eligible policiesdisclaimer
- Choose from a range of higher excess options to lower your premiums
- Receive a discount on premiums for the first year you take out a policy, if you're an ANZ Breakfree Package holderdisclaimer
- Pay fortnightly or monthly at no extra cost
- Enjoy a no claim bonus discount
- If you have only 2 drivers and both are over 30, reduce your comprehensive cover premium with our nominated driver option
- Enjoy flexible cover that you can customise to suit you
Add your insurance details to the ANZ App
Add insurance policies to the ANZ App so that the details are handy when you need them.
Browse and buy a range of insurance coverage including home, motor, life and income protection.
Get your car insurance now
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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 479kB) and ANZ Car Insurance Product Disclosure Statement and Policy Document (PDF 1.2MB) (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). We recommend that you read the ANZ Financial Services Guide (PDF 479kB), ANZ Home Building Key Facts Sheet (PDF 133kB), ANZ Home Contents Key Facts Sheet (PDF 134kB) and the ANZ Home Insurance Product Disclosure Statement (PDF 1.3MB) (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 acquire, or 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 acquire, or 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 the issuers or their products.
This information is of a general nature and has been prepared without taking account of your 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.
Discounts are applied in a present order and exclude any premium for Liability cover, Domestic Workers’ Compensation and are calculated before taxes and charges. 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.
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.
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Covers 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.
Back to topIf 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.
Back to topAfter theft or a not at fault accident, up to $75 a day.
Back to topPay no excess on your first claim or on any claim where the glass is repaired.
Back to topWe 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.
Back to topProtect your no claim discount if you make one at fault claim during your period of insurance.
Back to topYour 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.
Back to topUp to $75 per day limited to 14 days, when your vehicle is repaired, or when we pay your claim, whichever happens first.
Back to topDo 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.
Back to topThere 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.
Back to topMulti 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.
Back to topReference 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.
Back to top