Australian Unity Car Insurance

With three levels of cover available, Australian Unity’s car insurance policies suit a wide range of budgets. Underwritten by QBE, each policy has a lifetime guarantee on repairs and the convenience of a 24-hour claims service.

Let’s take a closer look at the benefits offered by Australian Unity car insurance to work out whether it’s the right cover for you.

Australian Unity car insurance cover options

Comprehensive cover

Comprehensive cover from Australian Unity provides cover for accidental damage to your vehicle as well as for loss or damage resulting from fire or theft. The policy includes new for old replacement on vehicles up to four years old and the freedom to choose your own repairer. Legal liability cover is also included for when your car causes accidental damage to someone else’s vehicle or property.

Third party fire and theft cover

Third party fire and theft policies offer legal liability cover if your car causes accidental damage to someone else’s car or property. You’re also covered for loss or damage resulting from fire or theft. If your car is stolen, you can get cover up to 14 days for a car hire. The policy also gives you cover up to $5,000 for damage caused by a no-fault accident with an uninsured motorist.

Third party only cover

This policy covers your legal liability when you cause accidental damage to someone else’s car or property. It also provides cover when your car is damaged in a no-fault accident with an uninsured motorist.

Australian Unity car insurance levels of cover

• Comprehensive cover
• Third party fire and theft cover
• Third party only cover

General exclusions

Australian Unity car insurance excess

An excess is the amount you have to pay each time you make a claim on your Australian Unity policy. The following excesses may apply:

• Standard vehicle excess. This is the first amount payable on all claims.
• Age excess. This excess is payable when the driver of your vehicle at the time of an incident is within the specified age group shown on your policy schedule, for example under 30 years of age.
• Undeclared driver excess. If your policy has named drivers listed but your vehicle was being driven by someone not listed as a named driver, you will need to pay the undeclared driver excess.
• Imposed excess. Your insurer may require that a special excess be imposed before agreeing to cover your vehicle.
• Voluntary excess. You can elect to pay a voluntary excess in order to reduce your premium.

How to save on your Australian Unity car insurance policy

There are several simple ways you can save on your Australian Unity car insurance premium.

• No-claim bonus. This premium discount increases when you do not make a claim on your policy.
• Multi-policy discount. If you also hold a home or contents insurance policy with Australian Unity, you may be offered a multi-policy discount on your car insurance.
• Security discount. You may be able to access a further premium discount if you have fitted additional security devices to your vehicle.
• Seniors discount. Named policyholders over 50 years of age receive a premium discount.
• Retirees discount. Policyholders who are retired and no longer work more than 20 hours a week can access cheaper premiums.
• Choose a higher excess. You can choose a higher excess in return for a reduced premium.

Making a Claim

If you need to make a claim on your Australian Unity policy, you can call QBE’s 24-hour claims number and provide details over the phone. In addition to your policy number, you’ll need to provide details about when and where the incident occurred, a detailed description of what happened, and the names and details of any other drivers or witnesses involved in the incident.

FAQs

• How long is the cooling-off period?

  The cooling-off period on Australian Unity car insurance is 21 days. This means you can cancel your policy within 21 days of taking out cover and receive a full refund.

• Are there any optional covers I can add to my comprehensive policy?

  Yes, you can add the following options to your policy for an additional cost:

  • Hire car after accident
  • Excess-free windscreen and window glass protection
  • Lifetime no-claim bonus protection
  • No-claim bonus protection
  • New car replacement on vehicles up to four years old

• Can I choose my own repairer?

  Yes, you have the freedom to choose your own repairer if required. If not, QBE can refer you to one of its accredited repairers.

• When do I need to pay my car insurance premiums?

  You can pay your Australian Unity car insurance premiums annually or in monthly instalments.

If you’re looking for flexible car insurance cover to suit a range of budgets, make sure to consider the features and benefits of Australian Unity car insurance. However, to ensure that you make an informed decision, compare it with a number of other policies before purchasing cover.