ANZ car insurance review

ANZ car insurance is typically more expensive than average, but it does have some generous benefits.

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Key takeaways

  • Lifetime workmanship guarantee on all authorised repairs for as long as you own the vehicle.
  • New car replacement if your vehicle is written off within three years of original registration.
  • Customisable cover with optional choice of repairer and excess-free window glass protection.

Pros

  • You're covered if you accidentally put the wrong fuel in your car - a very rare benefit
  • Up to $1,500 for emergency accommodation, higher than any other brand we compared
  • Up to $1,000 for emergency repairs - most brands only offer $500

Cons

  • You have to call ANZ directly to request a quote or buy a policy, you can't do this online
  • Historically, ANZ's policies have been more expensive than average
  • Only certain policyholders can claim online, otherwise you'll have to call

Compare ANZ's policies

Finder Score Accidental damage Roadside assistance Fire and theft New Vehicle Replacement Hire car after theft
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  • If your car is written off in the first 3 years
  • Up to $100 per day - Up to 21 days
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  • Up to $65 per day - Up to 21 days
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    Finder Score for car insurance

    We analyse over 30 car insurance products across insurance providers, and rate each one for price and features. We collect up to 36 quotes per product, for male and female drivers in New South Wales, Victoria, Queensland, South Australia, Tasmania and Western Australia. Quotes are collected for 20 year olds, 30 year olds and 60 year olds, assuming an excess of $850 for a 2020 Toyota Corolla 4 door sedan model, with an average 15,000 kms driven each year. While we are not allowed to display actual quotes, our Finder Score aims to serve as an indicative guide to how cost and feature competitive a product might be for you.

    Our feature score assesses each product for more than 15 features across loss and damage coverage, repairs and assistance coverage, personal items coverage and policy coverage. Features we assess include but are not limited to legal liability, essential repairs, new car replacement, car hire events, roadside assistance, agreed or market value, windscreen damage and natural disaster coverage.

    Read the full methodology

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    How much does ANZ car insurance cost?

    To help give you an idea about ANZ car insurance costs, we gathered annual quotes across their various policy types. Just remember, prices are going to change based on things like your vehicle make, model and year, where the car is parked, driver's age, claim history and your address, so it's always worth comparing policies and getting a few quotes.

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    Comprehensive annual quote Third party fire & theft annual quote Third party property damage annual quote
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    $3,370.83
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    $827.48
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    $719.26
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    What isn't covered?

    Based on the ANZ Car Insurance Product Disclosure Statement (PDS), the following general exclusions apply to all levels of cover. These are circumstances where a claim will typically be refused:

    • Unlicensed drivers or drivers under the influence
    • Motorsport, racing, or trials
    • Unsafe or unroadworthy condition
    • Mechanical, structural, or electrical breakdown
    • Wear and tear, rust, or corrosion
    • Tyre damage
    • Hire, fare, or reward
    • Incidents occurring outside of Australia
    • Lawful seizure or repossession
    • Sale of the vehicle

    How to make an ANZ car insurance claim online

    Follow these steps to lodge your car insurance claim through ANZ's online portal:

    1. Prepare your details: Have your policy number, the date of the incident, and a detailed description of the event ready.
    2. Gather evidence: Collect the names and residential addresses of any other parties involved, along with photos of the damage if possible.
    3. Access the portal: Visit the ANZ insurance claims page and select the car insurance option to begin the online lodgment process.
    4. Submit the claim: Fill in the required digital forms with your incident details and attach any supporting documentation.
    5. Confirmation: Once submitted, you will receive a claim number and an insurance representative will contact you to discuss the next steps.

    FAQs

    Sources

    Nicola Middlemiss's headshot
    Journalist

    Nicola Middlemiss is a journalist with nearly a decade of experience in personal finance and insurance. She has contributed to Domain, Yahoo Finance, Money Magazine and Insurance Business Australia, offering in-depth insights into commercial insurance in the Australian market. Nicola holds a Bachelor’s degree in English from the University of Leeds and a Tier 1 General Insurance (General Advice) certification, which complies with ASIC standards. See full bio

    Nicola's expertise
    Nicola has written 246 Finder guides across topics including:
    • Personal finance
    • Personal insurance, including car, health, home, life, pet and travel insurance
    • Commercial business insurance

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