ANZ Car Insurance

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.

If 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.

After theft or a not at fault accident, up to $75 a day.

Pay no excess on your first claim or on any claim where the glass is repaired.

We 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.

Protect your no claim discount if you make one at fault claim during your period of insurance.

Your 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.

Up to $75 per day limited to 14 days, when your vehicle is repaired, or when we pay your claim, whichever happens first.

Do 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.

There 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.

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.

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.