Australian Unity offers Comprehensive and Third Party Only car insurance, underwritten by Allianz.
Eligible new customers can receive up to 10% off their first year's premiums.
Multiple excesses apply, including specific age and unnamed driver charges.
Pros
Australian Unity allows policyholders to select their own qualified mechanic for repairs rather than being mandated to use a specific partner network.
The policy includes up to $1,000 for personal items damaged or stolen from the vehicle, which is higher than the standard $500 offered by many insurers.
If your car is written off in the first 2 years of its original registration, the policy provides a new replacement vehicle of the same make and model.
Cons
The $500 cap for emergency repairs is lower than the $800 to $1,000 limit provided by several other Australian insurers.
Legal liability is capped at $20,000,000, while some premium competitors in the market offer limits up to $30 million.
A rental vehicle following an accident is an optional extra that requires an additional premium rather than being a standard inclusion.
With two levels of cover available, Australian Unity's car insurance policies suit a wide range of budgets. Underwritten by Allianz, you can get cover for a range of features including accidental loss or damage, new for old replacement, legal liability and more.
Take a closer look at the benefits offered by Australian Unity car insurance below to work out whether it's the right cover for you.
Compare Australian Unity 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.
Australian Unity provides the following features and policy options:
Online purchase discount. New policies purchased through the website are eligible for a discount of up to 10% on the first year's premium.
Safe driver discount. A 5% discount is available for drivers who meet specific eligibility criteria regarding their driving and claims history.
Flexible excess options. Policyholders can choose to increase their basic excess as a method to reduce their ongoing premium costs.
Two-year new car replacement. If your car is written off in the first 2 years of its original registration, it is replaced with a new vehicle of the same make and model.
Choice of repairer. Comprehensive cover allows you to select a qualified repairer of your choice rather than being restricted to a partner network.
Personal effects cover. Up to $1,000 is provided for personal items or clothing damaged or stolen from the vehicle under a comprehensive policy.
How much does Australian Unity car insurance cost?
To help give you an idea about Australian Unity 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.
General exclusions
Your Australian Unity car insurance claim be rejected if:
Your vehicle was being driven by someone under the influence of alcohol or drugs
The driver of your vehicle did not hold a current driver's licence
Your vehicle was being driven while not registered
Your vehicle was being used for an unlawful purpose
Your vehicle was being used on a racetrack or for driver training or instruction
Your car was being used to carry passengers for hire, fare or reward
Your vehicle was being used while in an unsafe or unroadworthy condition
Your vehicle was being driven while overloaded.
Damage arises due to the lawful repossession of your vehicle.
You also won't be covered for
Exceeding passenger limits
Carrying passengers for hire
Consequential loss
Motor sport
Deliberate, intentional, malicious or criminal acts
War
Asbestos
Loss of use
Tyre damage
Lawful seizure
For a full list of exclusions, be sure to check the product disclosure statement (PDS).
How to make an online claim
Australian Unity requires the following steps to submit a car insurance claim through their online portal:
Access the claim portal. Log in to the online self-service portal using your policy details and email address.
Identify the incident type. Select whether the claim relates to an accident, theft, fire, or glass damage.
Detail the event. Provide the date, time, and a description of how the incident occurred.
Collect party information. Input the contact details and vehicle registration of any other drivers or witnesses involved.
Attach supporting evidence. Upload digital files, including photos of the vehicle damage and any applicable police report numbers.
Review and lodge. Confirm all entered information is accurate and submit the claim for processing.
Track progress. Once submitted, you will receive a claim number to monitor the status of your assessment and repairs through the portal.
FAQs about Australian Unity car insurance
This option reduces your premium if you restrict cover to specific listed drivers. A higher excess applies if an unlisted driver is involved in a claim.
Yes. Comprehensive policyholders can select their own qualified mechanic for repairs rather than being restricted to a partner network.
Eligible drivers with a claim-free history may receive a 5% discount on their premium, based on the history of all drivers on the policy.
Yes. Australian Unity allows policyholders to pay their annual premium in monthly instalments at no additional cost.
Australian Unity car insurance is underwritten by Allianz Australia Insurance Limited.
Gary Ross Hunter has over 6 years of expertise writing about insurance, including life, health, home, and car insurance. Having reviewed hundreds of product disclosure statements and published over 800 articles, he loves simplifying complex insurance topics for everyday readers. Gary has contributed to major outlets like Yahoo Finance, The Sydney Morning Herald, and news.com.au, and holds a Bachelor of Arts (Honours) in English Literature from the University of Glasgow, along with a Tier 2 General Advice certification, ensuring his work adheres to ASIC’s RG146 standards.
See full bio
Gary Ross's expertise
Gary Ross
has written
559
Finder guides across topics including:
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.
Important information about this website
Finder is a comparison service. We do not compare every product or every provider in the market.
We make money through commercial arrangements with some of the providers on this site. Products marked 'Sponsored', 'Promoted', 'Featured' or 'Advertisement' appear as a result of a commercial arrangement.
Our editorial content, product reviews and any 'Top Pick' designations are prepared independently of these commercial arrangements.
The default order of products in our tables can be influenced by commercial arrangements. You can re-sort or filter using the controls above each table.
Some content on this site may be generated or supported by AI tools. You should verify details directly with the provider.
Finder is one of Australia's leading comparison websites. We are committed to our readers and stand by our editorial principles.
Our comparison service does not include every product or every provider in the market. Some product issuers offer their products under multiple brands or through associated companies. Where we can, we identify the underlying issuer so you can compare like with like, but you should always check with the provider directly to confirm which brand you are dealing with.
Finder is a comparison website and an intermediary. We are not a product issuer and we do not provide personal financial or credit advice. When you click a link to a product, or apply for a product through our site, you deal directly with the product issuer. We may receive a referral fee, commission or other payment from the issuer if you click through, apply or take out a product. We describe these arrangements in more detail under 'How we make money' below.
Product features, fees, terms and eligibility criteria are set by the product issuer and may change. We rely on information supplied by issuers when we present product details on our site. Before you apply for or take out any product, you should confirm the details directly with the issuer.
We earn revenue from Finder in four principal ways:
Referral fees and commissions. When you click a product link, complete an enquiry form or apply for a product through our site, we may receive a referral fee, commission or other payment from the product issuer. We may also receive payment based on the volume of leads or conversions we send to an issuer.
Sponsored placements. Products marked 'Sponsored', 'Promoted', 'Featured' or 'Advertisement' appear as a result of a commercial arrangement between Finder and the issuer. These labels always indicate a paid placement. We do not use them for editorial choices.
Display advertising. Banner advertising, newsletter advertising and similar display ads on our site are paid by advertisers.
Content sponsorship. Some articles, videos and social media posts are sponsored by an issuer and are clearly labelled as such.
Our editorial opinions, product reviews and any 'Top Pick' designations are prepared independently of these commercial arrangements. A 'Top Pick' is an editorial choice made by our writers and editors based on the criteria described on each comparison page. A 'Top Pick' is not a personal recommendation and does not mean the product is appropriate for your circumstances.
If you would like to know whether we have a commercial arrangement with a specific product issuer, please contact us.
When products are grouped in a table or list, the default order can be influenced by commercial arrangements we have with product issuers. In some categories, sponsored or featured products appear in the top positions of the table by default, and are always labelled as such.
Other factors that influence default order include price, fees and features, and (where relevant) our editorial view of the product.
You can re-sort every comparison table using the controls above the table. You can filter by product features that matter to you. The order you see after re-sorting or filtering is not influenced by commercial arrangements.
Some content on this site is generated or supported by artificial intelligence tools, including our AI-powered assistant FinderBot. AI-generated content may contain errors. Please verify important information directly with the product issuer before making a financial decision. For more information about FinderBot, see the FinderBot Terms of Use and FinderBot Privacy Collection Notice.
Please read our website terms of use and privacy policy for more information about our services and our approach to privacy.
We update our data regularly, but information can change between updates. Confirm details with the provider you're interested in before making a decision.
Our goal is to create the best possible product, and your thoughts, ideas and suggestions play a major role in helping us identify opportunities to improve.
