Australian Unity provides two levels of motor cover, allowing policyholders to choose between Comprehensive and Third Party Property Damage.
Premiums can be reduced through a 'Named Driver' discount or by opting for a higher basic excess to lower the upfront policy cost.
Comprehensive policies include a 2-year new car replacement feature for total losses and coverage for emergency travel and accommodation expenses.
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.
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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.
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:
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.
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