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Car insurance

Help protect your car with ANZ Car Insurance. Whatever you need from your car insurance, we can offer a range of cover for you.

  • Choose from Comprehensive, Third Party Fire and Theft or Third Party Property Damage cover
  • Lifetime repair guaranteedisclaimer

How to get a quote

ANZ Car Insurance Product Disclosure Statement – issued by CGU Insurance (PDF)

ANZ home, landlord and car insurance is proudly underwritten by CGU, part of Insurance Australia Group (IAG), Australia's largest insurer protecting half a million homes and over one million motor vehicles today. 

Why choose ANZ Car Insurance?

Comprehensive

Accidental cover for damage to your own vehicle as well as cover for another person's car or property if you have an accident where you're at fault.disclaimerdisclaimer

Third Party Fire and Theft

Cover for loss or damage to another person's car or property if you have an accident where you're at fault. Cover also includes loss or damage to your vehicle as a result of fire or theft.disclaimerdisclaimer

Third Party Property Damage

Cover for loss or damage to another person's car or property if you have an accident where you're at fault.

Lifetime repair guarantee

Cover includes lifetime guarantee for the workmanship of all authorised repairs as long as you own the vehicle.disclaimer

 

What is ANZ Car Insurance?

Choose from Comprehensive, Third Party Fire and Theft; or Third Party Property Damage cover.

ANZ Car Insurance covers the cost of repairing the damage caused to another person's car or property if you have an accident where you're at fault, along with a range of flexible cover to help suit your needs.

What's included

Key benefits

key-benefits
  Comprehensive Third Party Fire and Theft Third Party Property Damage
Cover for damage to another person's car or property, if you have an accident where you're at fault (Liability cover)disclaimer
Cover for damage to your own vehicledisclaimer
(Fire and theft only)
New car replacementdisclaimer
A lifetime guarantee on repairsdisclaimer
Hire car after an incidentdisclaimer
Excess-free windscreen and window glass protectiondisclaimer

Optional benefits

key-benefits
  Comprehensive Third Party Fire and Theft Third Party Property Damage
Choice of repairerdisclaimer  

What's not included

Some things ANZ Car Insurance doesn't cover or include:

  • If the driver is under the influence of alcohol or a drug and this has caused or contributed to the loss, damage or liability.
  • If you are using your car in a race, rally, trial, test, contest, driver training, track day or any kind of motor sport.
  • Tyre damage caused by road cuts, punctures, bursting or braking.
  • Wear and tear, gradual deterioration or depreciation.
  • If your car is not in a condition that meets the registration requirements in the state or territory in which it is located.

View CGU policy documents

How to apply

1. Be prepared

We'll need to ask you questions including what your car registration number is, if you've made any modifications to your car and if you have, what they are. Having this information handy will speed up the process.

2. Choose your level of cover

Our policies are flexible so you can tailor your policy to help suit your needs. Consider choosing a higher excess to potentially reduce your premium. You can also choose to pay fortnightly, monthly or annually at no extra cost.

3. Get started

Once you are ready to complete a quote, call our customer service team on 13 16 14, available Monday to Friday, 8am to 8pm (Sydney/Melbourne time) or visit your nearest ANZ branch. ANZ customers with internet banking can also request a quote through Internet Banking.

Get a quote

Through Internet Banking

Log in to Internet Banking

Existing ANZ Internet Banking customers can get a quote by logging in to your Internet Banking and navigating to the 'Products and Offers' tab from your top menu. Click on the Insurance tab on the left-hand side and click on the Car Insurance product to get a quote. If you are an ANZ customer and not already registered with Internet Banking, click here to check your eligibility and register for Internet Banking

Visit or call us

Book an appointment

Find a location or specialist

Get a quote by visiting a branch. Book an appointment at your local branch or see a map of our branch locations. Or call our customer service team on 13 16 14, available Monday to Friday, 8am to 8pm (Sydney/Melbourne time).

You may also be interested in

Contents insurance

Illustration for Home and contents insurance

ANZ Home Insurance with contents cover for renters:

  • Cover to help replace your belongings against theft, accidental loss and damage

Tell me more

Home building and contents insurance

Illustration for car insurance

ANZ Home Insurance has a range of cover available for your property:

  • Building only
  • Contents only
  • Building and Contents combined

Tell me more

Landlord insurance

Illustration for land insurance

ANZ Landlord Insurance has a range of cover available for your rental property:

  • Building only
  • Contents only
  • Building and Contents combined

Tell me more

Your questions answered

Car insurance FAQs

Car insurance is a contract between you and your insurance company that provides financial protection against potential losses related to owning a vehicle. It is designed to help cover costs resulting from accidents, theft or damage to the insured vehicle, as well as liability for damage caused to other people's property.

When you buy car insurance, you pay regular premiums to the insurance company. In return, the company agrees to compensate you for losses as outlined in the policy. The specific coverage and terms of the policy can vary depending on the insurance provider and the type of coverage you choose.

Car insurance is an umbrella term that incorporates three main types of cover, each of which offers a different type of protection:

Comprehensive – Generally covers repairs or replacement of your own car, as well as repairing the damage caused to another person’s car or property if you have an accident where you’re at fault

  • Also typically covers you for a wide range of damage caused by insured events like accidents, theft, fire (including bushfire), storms (including cyclones) and hail. Get a quote for Comprehensive Car insurance through ANZ
  • Third Party Property Damage – Generally covers you for loss or damage to another person's car or property if you have an accident where you're at fault. Get a quote for Third Party Property Damage car insurance through ANZ
  • Third Party Fire and Theft – Generally covers you for loss or damage to another person's car or property if you have an accident where you're at fault. Cover typically includes loss or damage to your vehicle as a result of fire or theft. Get a quote for Third Party Fire and Theft Insurance through ANZ

The cost of car insurance depends on a range of factors, including:

  • your age and driving history, including any previous accidents and claims
  • where you live and how your car is parked overnight
  • the type of car you own
  • the type of car insurance policy you choose (e.g. comprehensive or third party)
  • how much your car is insured for (e.g. new-for-old replacement, 'market value' or 'agreed value')
  • whether your car is mainly for personal or business use
  • the amount of excess you agree to pay if you make a claim.

A good way to find out the cost of car insurance is to get a quote that's tailored to your circumstances. A quote will outline your 'premium' – which is the total amount you will need to pay for one year of cover, including government taxes such as GST and any other duties or charges that apply. Get a quote for car insurance through ANZ

Comprehensive car insurance is generally the highest level of car insurance available. It can help cover the cost of repairs or replacement of your own car, and cover the cost of repairing the damage caused to another person's car or property if you have an accident.

Comprehensive car insurance can also cover you for a wide range of damage caused by insured events like theft, fire (including bushfire), storms (including cyclones) and hail.

Third party car insurance generally provides cover for damage caused to someone else's vehicle or property, if you are liable for it. The two main types of third party car insurance are:

  • Third Party Fire and Theft – Generally covers you for loss or damage to another person's car or property if you have an accident where you're at fault. Cover also typically includes loss or damage to your vehicle as a result of fire or theft. Get a quote for Third Party Fire and Theft insurance through ANZ.
  • Third Party Property Damage – Generally covers you for loss or damage to another person's car or property if you have an accident where you're at fault. Get a quote for Third Party Property Damage insurance through ANZ.

Car insurance excess is your contribution towards the cost of a car insurance claim. The amount you contribute depends on the excess you nominated for your policy, which is shown on your Policy Schedule.

For example, in the event your claim was accepted, if your excess is $800 and the estimated cost to repair the vehicle is $2,250:

  • you would pay the $800 excess to the repairer
  • your insurer would pay the repairer $1,450 (being the cost of repairs of $2,250 less the $800 excess).

The difference in the repairs is only paid up to the applicable policy limits. Generally speaking, the higher the excess you nominate for your car insurance policy, the lower your premium.

You only pay the excess on your car insurance if you make a claim that is accepted by your insurer.

You generally pay the excess to the authorised repairer, as the excess is your contribution to the cost of your repairs. For example, if your excess is $800 and the estimated cost to repair the vehicle is $2,250:

  • you would pay the $800 excess to the repairer
  • your insurer would pay the repairer $1,450 (being the cost of repairs of $2,250 less the $800 excess).

The difference in the repairs is only paid up to the applicable policy limits.

You may not need to pay an excess if your insurer consider you not at fault for the accident, and you can provide the name and residential address of the person who is at fault.

The person who is at fault in a car accident is generally required to cover the other person's costs – including repairs, towing fees and replacement hire car costs. If the person at fault doesn't have car insurance, they typically need to pay the other person's costs out of their own pocket.

If you can't come to an agreement with the other person about who was at fault, or what payment is required to cover costs, you may need to seek legal advice.

It's worth noting that every registered car must be covered by Compulsory Third Party (CTP) Insurance. However, CTP Insurance only covers your liability, or the liability of anyone else who drives your vehicle, for injuries caused to others in a motor vehicle accident. It doesn't cover losses associated with or the cost of damage to your or anyone else's car or property.

If you have an ANZ Car Insurance policy and you’ve been in an accident, you should contact the insurer, CGU to lodge a claim as soon as possible.

CGU can give you immediate assistance with your claim 24 hours a day, 7 days a week. CGU:

  • can arrange towing for your vehicle after an incident (comprehensive only);
  • may need to inspect your vehicle and arrange quotations from any repairer or supplier; and
  • may ask you to substantiate your claim by providing us with proof of ownership of your vehicle and any other items you claim for under this policy. For example, CGU may request a copy of your vehicle registration documents as proof of ownership.

For more information on how to claim car insurance please visit our claims page.

When you make a car insurance claim, your insurer will request quotes for the necessary repairs from one or more authorised repairers. If the repair costs come close to, or even outweigh, the insured value of the car, your insurer may decide to 'write off' your car instead of authorising the repairs.

When a car is written off, its details are entered in the Written-Off Vehicle Register (provided it's less than 15 years old and weighs less than 4.5 tonnes). The insurer will then provide the owner with a payout or a replacement car, depending on your insurance policy. This may be a car of the same model, or the market or agreed value, depending on your level of cover.

ANZ offers new vehicle replacement as standard on our Comprehensive Car Insurance, meaning that if your new vehicle is written off within the first 3 years of registration, you will be provided with a new vehicle of the same make, model, engine size and paint type, if available in Australia.

When you commence a car insurance policy that covers your vehicle (e.g. Comprehensive or Third Party Fire and Theft) you can typically choose between 'agreed value' or 'market value'. This will determine how your payout is calculated if your car is written off or stolen.

What is agreed value car insurance?

If your car insurance covers you for 'agreed value', you'll generally be covered for an amount that you and your insurer agree to insure your car for – regardless of the age or market value of your car at the time of the insurance claim.

The benefit is you know exactly what you're what you're covered for if your car is written off or stolen after an insured event.

What is market value car insurance?

If your policy is 'market value', your insurer will generally cover the reasonable replacement cost based on what your car's worth 'in the market'. This value is determined by your insurer at the time of claim by comparing your car to the market value of cars that are the same make, model, age, mileage and overall condition as yours.

Tips and Guides

Contact us

Call us

Call 13 16 14  

Visit us in person

Get a quote or apply by visiting your nearest ANZ branch

Find a location or specialist

Make a claim

Make sure to have your policy number handy.

To make a claim call 13 16 14 or visit our claims page for more information.

Visit our claims page

This information was published on 3 July 2023 and is subject to change.

ANZ Home Insurance is issued by Insurance Australia Limited (ABN 11 000 016 722, AFSL 227681) trading as CGU Insurance and distributed by ANZ under its own license. ANZ recommends that you read the ANZ Financial Services Guide (PDF), ANZ Home Building Key Facts Sheet (PDF), ANZ Home Contents Key Facts Sheet (PDF), ANZ Home Insurance Target Market Determination (PDF), ANZ Home Insurance Premium, Excess and Discounts Guide (PDF) and the ANZ Home Insurance Product Disclosure Statement (PDF) (available online or by calling 13 16 14), before deciding whether to acquire, or to continue to hold, this product.

ANZ Landlord Insurance is issued by Insurance Australia Limited (ABN 11 000 016 722, AFSL 227681) trading as CGU Insurance and distributed by ANZ under its own license. ANZ recommends that you read the ANZ Financial Services Guide (PDF), ANZ Landlord Insurance Target Market Determination (PDF), ANZ Landlord Insurance Premium, Excess and Discounts Guide (PDF) and ANZ Landlord Insurance Product Disclosure Statement (PDF) (available online or by calling 13 16 14) before deciding whether to acquire, or to continue to hold, this product.

ANZ Car Insurance is issued by Insurance Australia Limited (ABN 11 000 016 722, AFSL 227681) trading as CGU Insurance and distributed by ANZ under its own license. ANZ recommends that you read the ANZ Financial Services Guide (PDF), ANZ Car Insurance Target Market Determination (PDF), ANZ Car Insurance Premium, Excess and Discounts Guide (PDF) and ANZ Car Insurance Product Disclosure Statement (PDF) (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 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.

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If CGU authorise and pay for a repairer to repair your vehicle in relation to an incident CGU have agreed to cover under this policy, CGU will provide a lifetime guarantee for the workmanship of those repairs as long as you are the owner of your vehicle.

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CGU will provide cover up to a maximum of $20,000,000 (inclusive of GST and all legal costs) (the Liability Limit) for any one incident.

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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.

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If your new or demonstrator car is less than three years old and is written off, CGU will replace it with a new vehicle of the same make, model, engine size and paint type, if available in Australia.

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CGU will pay the reasonable costs for you to hire a replacement vehicle or use alternative transport of taxis, rideshare services or public transport from the date of the incident until the date your vehicle is repaired, or when we settle your claim, whichever happens first.

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If the windscreen, window glass, sunroof or moonroof of your vehicle is damaged during the period of insurance by accident and there is no other damage to your vehicle, CGU will pay the costs to repair or replace it (including any window tinting, demisters or rain sensors that are part of the windscreen) without requiring payment of the excess.

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If CGU accept a claim for loss or damage to your vehicle, CGU will arrange for a partner repairer to repair your vehicle. However, if you have this optional benefit on your policy and CGU accept a claim for loss or damage to your vehicle, you may choose any licensed repairer to repair your vehicle – see 'Repairing Your Vehicle' in the 'Claims' section of the PDS.

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