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
Compare other products
We currently don't have that product, but here are others to consider:
Looking for other options? Check out these similar products.
How we picked these
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.
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.
We currently don't have that product, but here are others to consider:
Looking for other options? Check out these similar products.
How we picked these
To determine these insurance costs, we sourced comprehensive, third party fire and theft & third party property damage car insurance quotes for a 30-year-old male driver living in postcode 2011 (NSW). The profile used for these quotes assumes a 2020 Toyota Corolla Ascent Sport Direct Shift CVT with an annual mileage of 15,000km. We selected an excess as close to $850 as possible across all providers to ensure a fair comparison. These quotes were obtained in March 2026.
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:
Prepare your details: Have your policy number, the date of the incident, and a detailed description of the event ready.
Gather evidence: Collect the names and residential addresses of any other parties involved, along with photos of the damage if possible.
Access the portal: Visit the ANZ insurance claims page and select the car insurance option to begin the online lodgment process.
Submit the claim: Fill in the required digital forms with your incident details and attach any supporting documentation.
Confirmation: Once submitted, you will receive a claim number and an insurance representative will contact you to discuss the next steps.
FAQs
Insurance Australia Limited underwrites ANZ car insurance.
No. Allianz and ANZ are entirely different and separate entities. However, some ANZ insurance is issued through Allianz, including its travel insurance.
This is available as an optional extra on comprehensive policies for an additional premium.
Modifications are covered provided they have been disclosed to and accepted by the insurer.
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.
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Australian Unity car insurance, underwritten by Allianz, offers two levels of cover, the freedom to choose your own repairer and an easy 24-hour claims service.
With a higher-than-average price but no particularly impressive benefits, Allianz was outperformed by many other car insurers in the 2024 Finder Insurance Awards.
Explore our analysis and see how you can find the best car insurance for your needs.
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