Australian Unity Car Insurance

Australian Unity car insurance review: safe driver discounts and up to 10% off your first year.

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Gary Ross Hunter

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4.7 based on 831 reviews

Key takeaways

  • 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

Finder Score Accidental damage Roadside assistance Fire and theft New Vehicle Replacement Hire car after theft
Australian Unity logo
9.2 Excellent
Australian Unity Comprehensive
9.2 Excellent
  • If your car is written off in the first 2 years
  • Up to $100 per day - Up to 30 days
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    Australian Unity logo
    Not scored yet
    Australian Unity Third Party Property Damage
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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.

    Read the full methodology

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    Why choose Australian Unity car insurance?

    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.

    2 of 2 results
    Updated regularly
    Comprehensive annual quote Third party fire & theft annual quote Third party property damage annual quote
    Australian Unity logo
    9.2 Excellent
    Australian Unity Comprehensive
    $1,707.75
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    Australian Unity logo
    Not scored yet
    Australian Unity Third Party Property Damage
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    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:

    1. Access the claim portal. Log in to the online self-service portal using your policy details and email address.
    2. Identify the incident type. Select whether the claim relates to an accident, theft, fire, or glass damage.
    3. Detail the event. Provide the date, time, and a description of how the incident occurred.
    4. Collect party information. Input the contact details and vehicle registration of any other drivers or witnesses involved.
    5. Attach supporting evidence. Upload digital files, including photos of the vehicle damage and any applicable police report numbers.
    6. Review and lodge. Confirm all entered information is accurate and submit the claim for processing.
    7. 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

    Sources

    Gary Ross Hunter's headshot
    Journalist
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    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 522 Finder guides across topics including:
    • Health, home, life, car, pet and travel insurance
    • Managing the cost of living
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