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If you’re searching for a car insurance policy that matches your needs and budget, NAB Car Insurance offers three levels of cover designed to suit a variety of drivers. Issued by Allianz Australia Insurance Limited, these policies include a 24/7 claims service, your choice of repairer, and a range of flexible options to allow you to tailor cover to your requirements.
We don't currently have this brand on our panel. But don't fret! You can head to NAB car insurance website or compare a bunch of other car insurance companies with finder.
Comprehensive insurance. This is the highest level of protection available from NAB Car Insurance, and it covers your vehicle against fire, theft and accidental damage, with new car replacement available for vehicles less than two years old. Child seats, personal items and rental vehicle after theft are all included in cover, as is $20 million legal liability cover when the use of your vehicle results in accidental damage to someone else’s property or supplementary bodily injury.
Third party fire & theft insurance. NAB third party fire & theft car insurance covers your vehicle against accidental loss or damage caused by fire and theft. Uninsured motorist damage is also covered, along with $20 million legal liability cover when the use of your vehicle results in accidental damage to someone else’s property or supplementary bodily injury.
Third party property damage insurance. This entry-level policy provides $20 million legal liability cover when you cause accidental damage to someone else’s property or supplementary bodily injury. Cover is also available for damage resulting from a no-fault accident with an uninsured motorist.
New car replacement for vehicles less than two years old
$20 million liability cover
Buy online and save 10% on your first year of cover
Up to 65% no-claim bonus discount
Discounts for safe drivers
Covers fire and theft
Towing costs
Rental car after theft
$20 million liability cover
Uninsured motorist damage
24/7 claims service
Your choice of repairer
Flexible premium payment options
14-day cooling-off period
$20 million liability cover
Uninsured motorist damage
24/7 claims service
Flexible premium payment options
14-day cooling-off period
Well done, NAB!
NAB car insurance came in second place in Western Australia for Customer Satisfaction in 2023, scoring 4.4/5. 90% of people surveyed said they would recommend the insurer to a friend.
NAB has a number of eligibility requirements. It's really important that you read NAB's Product Disclosure Statement (PDS), which is available on its website, to determine if this car insurance will meet your needs and circumstances.
Your vehicle will need to be roadworthy and registered with the relevant transport authority in Australia. The underwriter of this insurance, Allianz, specifies that the likely financial situation its products are suited to is as follows: "Persons who are able to pay premiums in accordance with the chosen premium structure, and any excess in the event of a claim in accordance with the chosen excess option."
General exclusions
Your NAB Car Insurance claim will not be paid if:
Your vehicle was being driven by an unlicensed driver or by someone the insurer declined to cover
Your vehicle was being driven by someone under the influence of alcohol or drugs
Your vehicle was exceeding its load or passenger limits
Your vehicle was being used in an unsafe or unroadworthy condition
Your vehicle was being used to carry passengers for hire, fare or reward
Your vehicle was being used for motorsport of any kind or in connection with the motor trade
Your vehicle was subjected to a deliberate, intentional, malicious or criminal act by you, anyone else named in the policy schedule, or anyone acting with your consentYour vehicle was damaged by an act of war or terrorism
It is for loss of use of your vehicle
It is for tyre damage caused by applying the brakes or by road punctures, bursts or cuts
It results from the lawful seizure of your vehicle
It is for loss or damage to your vehicle after an accident, theft or breakdown when you have failed to take reasonable steps to safeguard your car
Your vehicle was stolen after you left it unattended with the keys inside
You did not go with your vehicle when it was shown for sale and it was stolen
It is for the failure of the car’s computer or similar equipment
It is for loss or damage caused by cyclone, flood or bushfire in the first 72 hours of cover
NAB Car Insurance excess
When you make a claim, you may be required to pay an excess to contribute to the cost of that claim. Any excesses that apply will be shown in your policy document and may include the following:
Basic excess. This is the first excess you are required to pay on each claim. Its amount may vary if you choose to add a voluntary excess to your policy to enjoy cheaper premiums, or if the insurer imposes an additional excess on your policy due to specific risks.
Age excess. The age excess must be paid if you make a claim for an accident when your vehicle was being driven by someone under 25 years of age.
Theft excess. You’ll need to pay this excess if you make a claim for loss or damage caused by theft or attempted theft.
Driver excess. The insurer may impose an additional excess on specific drivers listed on your policy.
Unnamed driver excess. The $2,500 unnamed driver excess applies when you have chosen the named driver option and your vehicle was being driven by anyone not listed as a named driver.
Name your drivers. By selecting the named driver option, you can lower the cost of your NAB Car Insurance premiums.
Restrict drivers. Restricting drivers covered under your policy to people aged 25 or over will help reduce your premium.
Vary your excess. You can choose a higher excess in return for a cheaper premium.
Drive safely. As well as a maximum no-claims bonus discount of 65%, NAB Car Insurance offers additional discounts for safe drivers.
Buy online. You can save up to 10% on your first year of NAB Comprehensive Car Insurance if you buy online.
Making a Claim
NAB Car Insurance offers a dedicated 24/7 claims service, allowing you to lodge your claim whenever you need. Claims can be submitted online using Allianz’s claims form, or you can phone the Allianz claims hotline if you would like to be talked through the process by a consultant.
You’ll need to provide full information about the incident for which you are claiming, including when and where it happened, as well as any supporting documentation the insurer requests. If your car needs to be repaired, Allianz can help you find a suitable repairer.
Why you can trust Finder's car insurance experts
We're free
You pay the same as buying directly from the car insurer. Better still, we regularly run exclusive deals that you won't find on any other site – plus, our tables make it easy to compare policies.
We're experts
Our team of car insurance experts have researched and rated dozens of policies as part of our Finder Awards and published 330+ guides to make it easier for you to compare.
We're independent
Unlike other comparison sites, we're not owned by an insurer. That means our opinions are our own and we work with lots of car insurance brands, making it easier for you to find a good deal.
We're here to help
Since 2014, we've helped 300,000+ people find car insurance by explaining your cover options, simply and clearly. We'll never ask for your number or email. We're here to help you make a decision.
FAQs
Yes, a 14-day cooling-off period applies to NAB Car Insurance. If you cancel your policy during this time, you will receive a full premium refund.
Yes, you can remove the excess on window or windscreen only claims, allowing you to access one replacement plus two repairs per policy period.
NAB Car Insurance premiums can be paid by direct debit from your nominated credit card or bank account.
Premiums can be paid as an annual lump sum or in ongoing instalments.
Roadside assistance is included for the first 12 months on new NAB Comprehensive Car Insurance policies and is provided by Allianz Global Assistance.
If you’re looking for competitive car insurance to suit your unique cover needs, NAB Car Insurance is worth adding to your shortlist of options. However, you should always compare a range of policies before deciding which one has the right features for you.
Alexandra Koster is Finder's publisher for car, home and pet insurance. She has a Tier 1 certification in General Insurance, as well as a Bachelor of Arts in Film and Cultural Studies from the University of Sydney. Her hobbies include reading Product Disclosure Statements and deciphering complicated insurance lingo to help people save on their insurance so that they can spend their money on better things – like dogs.
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VW Touareg 2007 6 cylinders driving less 5km per year, currently on 120$ per month. I would want to pay less.
Hi Jacques,
Thanks for your inquiry.
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