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Australian Unity Car Insurance

Enjoy the freedom to choose your own repairer and find car insurance cover that suits your budget.

Updated

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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.

We don't currently have this brand on our panel. But don't fret! You can head to the Australian Unity website or compare a bunch of other car insurance companies with finder.

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Compare car insurance policies and get cover

Name Product Roadside Assistance Accidental Damage Storm Choice of Repairer Agreed or Market Value
Budget Direct Comprehensive
Optional
Optional
Agreed or Market
Finder's summary: Awarded the 2019 Finder Award for the Best Value Car Insurance, this policy offers solid coverage at a low cost. Budget Direct’s claims service has received a 4.2/5 based on nearly 5,000 customer reviews.

Who it might be good for: People who want a comprehensive policy without breaking the bank.
Bingle Comprehensive
Market
Finder's summary: Bingle consistently come up as one of the cheaper insurers out there. They only cover the basics, so you don't get to choose your own repairer, you're not covered for personal items in the car and you won't get a hire car if your car is stolen. But this keeps their premiums low.

Who it might be good for: Someone who wants a low cost option that covers them for the basics.
Youi Comprehensive
Optional
Agreed or Market
Finder's summary: Youi Comprehensive Car Insurance is one of the few providers to include roadside assistance in their policy. You'll also get access to YouiRewards which gives you discounts on furniture, parking and more. Youi also have a live chat feature on their site to talk through any questions.

Who it might be good for: People over 25 who want comprehensive cover with a focus on customer service.
Virgin Comprehensive
Optional
Optional
Agreed or Market
Finder's summary: Finalists for the 2019 Finder Awards for Best Value Car Insurance, Virgin Comprehensive provides a good level of cover for a decent price. You'll get 15% off on your first year’s premium when you buy online and get access to their hail hero service. Plus, get a $100 e-Gift card when you purchase a new policy by 30 November 2020 (T&Cs apply).

Who it might be good for: People who want a comprehensive policy that's affordable.
Qantas Comprehensive
Optional
Optional
Agreed or Market
Finder's summary: You'll be able to pick and choose how comprehensive you want your cover to be thanks to optional extras like roadside assistance, choice of your own repairer, and the option of agreed or market value. Plus, you'll earn Qantas Points when you join and get access to the Qantas Wellness App.

Who it might be good for: People who love collecting frequent flyer points.
Poncho Comprehensive
Agreed
Finder's summary: Poncho works like a monthly subscription - you pay monthly and can cancel and leave at anytime. You can also list multiple cars and drivers under one policy, making it ideal for families and groups living together under one household.

Who it might be good for: People who want their car insurance month-to-month.
Coles Comprehensive
Optional
Agreed or Market
Finder's summary: Coles have two-tiers of comprehensive car insurance to choose from. You'll earn double flybuys points at Coles supermarkets and you can get $10 off your Coles grocery bill every time you redeem 2,000 Flybuys points. If you're over 30, you can get roadside assistance free for a year.

Who it might be good for: Coles customers and Flybuys collectors.
Real Comprehensive
Optional
Agreed or Market
Finder's summary: Real Comprehensive Car Insurance provides similar coverage to other insurers for the important stuff like looking after your car if it's stolen or you crash. They're also one of the few insurers who offer a Pay As You Drive policy, so you might be able to save big if you don't drive much.

Who it might be good for: Those that don't drive much can take advantage of their Pay As You Drive policy.
Stella Comprehensive
Optional
Agreed or Market
Finder's summary: Stella’s a female-focused insurer. They'll cover you if your car is damaged as a result of domestic violence. They offer higher cover for baby gear than most, with up to $2,000 cover for prams, strollers and child seats. You get a free Bauer magazine subscription when you sign up and a portion of your premiums go to supporting female-led businesses.

Who it might be good for: Someone who wants a female-centred car insurance policy (they'll cover men too!).
Kogan Comprehensive
Optional
Agreed or Market
Finder's summary: Kogan comes with all the perks that most comprehensive car insurance policies include but you'll also be entitled to some benefits on their online store. This usually comes in the form of a gift voucher or discount if you buy online. Plus, Kogan offer a pay as you drive option, which could be good if you're not on the road that much.

Who it might be good for: Kogan shoppers and those that don't drive much.
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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

  • Covers accidental damage as well as loss or damage caused by fire or theft
  • Choice of market value or agreed value cover
  • New car replacement on vehicles less than two years old (can be extended to vehicles up to four years old)
  • Your choice of repairer
  • Lifetime guarantee on authorised repairs
  • Hire car after theft
  • Legal liability cover
  • Option to restrict cover to drivers aged 30-plus
  • Flexible premium payment options
  • 21-day money-back guarantee
  • Legal liability cover
  • Loss or damage caused by fire and theft
  • Hire car after theft
  • Your choice of repairer
  • Lifetime guarantee on authorised repairs
  • Legal liability cover
  • Cover for uninsured motorist damage
  • Flexible premium payment options
  • 21-day money-back guarantee
  • Legal liability cover
  • Cover for uninsured motorist damage
  • Flexible premium payment options
  • 21-day money-back guarantee

General exclusions

Your Australian Unity car insurance claim will not be paid for:

  • Theft or damage that occurs if you leave your car unlocked in a public place
  • Theft by someone acting with your consent
  • Damage due to normal wear and tear, rust or corrosion
  • Damage caused by structural failure or for electrical or mechanical breakdown
  • Damage caused by using the incorrect type of fuel
  • Tyre damage that was not caused by an insured incident
  • Damage to a vehicle modification not shown on your policy schedule
  • Financial or consequential loss
  • Accidental bodily injury or death to another person where you are required by law to have Compulsory Third Party (CTP) insurance
  • Fines or penalties incurred by an insured person
Your claim may also 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.

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

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.

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