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ANZ Car Insurance

Cover that keeps you moving.

Quote or applyMake a claim

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)

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



A lifetime guarantee on repairsdisclaimer

Use of genuine parts for repairs

 

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Protection when driving for ridesharing companies like Uber or Lyftdisclaimer

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Optional benefits

Third Party Property Damage

Third Party Property Damage, Fire and Theft

Comprehensive

No claim bonus protectiondisclaimer



Policy lifetime no claim bonus protectiondisclaimer



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



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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
 

Quote or apply

  • 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, travel, life and income protection.
 

Learn more

  

Use our easy claims process

We know car insurance claims come at an extremely stressful time. With round-the-clock claims lodgement support available online and over the phone, we're there for you when you need us. 

Once we've received your claim, we'll let you know if we need more information.

 

Make a claim 


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Get your car insurance now

13 16 14

Mon-Fri 8am - 8pm (AEST)

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Product Disclosure Statement

As a valued customer we want to hear from you if any of our products and services have not met your expectations.

If you would like to compliment one of our staff or make a suggestion on how we can improve, we want to know. If we made a mistake, or our service does not meet your expectations, we also want to know.

Talk to us

We're committed to ensuring our products and services meet your expectations and we value your feedback regarding how we are performing.

Our customer care unit is your first point of contact for raising complaints or providing feedback. You can contact us directly via phone, email or in writing and we will endeavour to resolve your concerns quickly and fairly. We will aim to resolve your complaint within 15 business days.

External dispute resolution

If your concerns have not been resolved to your satisfaction, you can lodge a complaint with AFCA who provides fair and independent financial services complaint resolution that is free to consumers.

Time limits may apply to complain to AFCA and so you should act promptly or otherwise consult the AFCA website to find out if or when the time limit relevant to your circumstances expires. The AFCA contact details are:

Call us:

13 16 14 weekdays 8am - 8pm (AEST)

Email us:

anzinsurance@qbe.com

Write to us:  

Customer Care Unit
PO Box 213
Parramatta NSW 2124

Call:

1800 931 678 on weekdays (except on public holidays) from 9am to 5pm (AEST)

Email your complaint to:

info@afca.org.au

Write to:

Australian Financial Complaints Authority
GPO Box 3
Melbourne VIC 3001

Online at:

www.afca.org.au

Escalating your complaint

If you're not satisfied with the resolution offered by our customer care unit, you can have your complaint reviewed by a Dispute Resolution Specialist.

A final decision will be provided within 15 business days of your complaint being escalated, unless they have requested and you have agreed to give them more time.

This information was published on 9 October 2018 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 Travel Insurance is issued by QBE Insurance (Australia) Limited (QBE) (ABN 78 003 191 035, AFSL 239 545). We recommend that you read the ANZ Financial Services Guide (PDF 479kB) and ANZ Travel Insurance Product Disclosure Statement and Policy Document (PDF 496kB) (available online or by calling 13 16 14) before deciding whether to acquire, or to continue to hold, this product.

ANZ Loan Protection is issued by OnePath Life Limited (OnePath Life) (ABN 33 009 657 176, AFSL 238 341) for the Life Benefit, and QBE Insurance (Australia) Ltd (QBE) (ABN 78 003 191 035, AFSL 239 545) for the Disability Benefit and the Involuntary Unemployment Benefit. We recommend that you read the ANZ Financial Services Guide (PDF 479kB) and the ANZ Loan Protection Product Disclosure Statement and Policy Document (PDF 2.8MB) (available online or by calling 13 16 14) before deciding whether to acquire, or to continue to hold, this product.

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.

This information was published on 9 October 2018 and is subject to change.

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 Australia and New Zealand Banking Group Limited (ANZ) (ABN 11 005 357 522, AFSL 234 527).  Super, Shares and Insurance (if available) are not provided by ANZ but entities which are not banks. ANZ does not guarantee them. This information is general in nature only and does not take into account your personal objectives, financial situation or needs. ANZ does not represent or guarantee that access to the ANZ App will be uninterrupted. Temporary service disruptions may occur. 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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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.

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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.

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

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

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We won't offer this benefit if:

- we haven't authorised the repairs
- we've paid you the repair cost directly.

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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.

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

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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.

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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.

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

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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.

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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.

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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.

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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.

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