Help protect your car with ANZ Car Insurance. Whatever you need from your car insurance, we can offer a range of cover for you.
ANZ home, landlord and car insurance is proudly underwritten by CGU, part of Insurance Australia Group (IAG), Australia's largest insurer protecting half a million homes and over one million motor vehicles today.
Accidental cover for damage to your own vehicle as well as cover for another person's car or property if you have an accident where you're at fault. disclaimer disclaimer
Cover for loss or damage to another person's car or property if you have an accident where you're at fault. Cover also includes loss or damage to your vehicle as a result of fire or theft. disclaimer disclaimer
Cover for loss or damage to another person's car or property if you have an accident where you're at fault.
Cover includes lifetime guarantee for the workmanship of all authorised repairs as long as you own the vehicle. disclaimer
ANZ Car Insurance covers the cost of repairing the damage caused to another person's car or property if you have an accident where you're at fault, along with a range of flexible cover to help suit your needs.
| Comprehensive | Third Party Fire and Theft | Third Party Property Damage | |
| Cover for damage to another person's car or property, if you have an accident where you're at fault (Liability cover) disclaimer | | | |
|---|---|---|---|
| Cover for damage to your own vehicle disclaimer | | (Fire and theft only) | |
| New car replacement disclaimer | | | |
| A lifetime guarantee on repairs disclaimer | | | |
| Hire car after an incident disclaimer | | | |
| Excess-free windscreen and window glass protection disclaimer | | | |
| Comprehensive | Third Party Fire and Theft | Third Party Property Damage | |
| Choice of repairer disclaimer | | | |
|---|
Refer to these important policy documents for full details including limits, conditions and exclusions and to decide if this product is right for you.
We'll need to ask you questions including what your car registration number is, if you've made any modifications to your car and if you have, what they are. Having this information handy will speed up the process.
Our policies are flexible so you can tailor your policy to help suit your needs. Consider choosing a higher excess to potentially reduce your premium. You can also choose to pay fortnightly, monthly or annually at no extra cost.
Once you are ready to complete a quote, call our customer service team on 13 16 14, available Monday to Friday, 8am to 8pm (Sydney/Melbourne time) or visit your nearest ANZ branch. ANZ customers with internet banking can also request a quote through Internet Banking.
Existing ANZ Internet Banking customers can get a quote by logging in to your Internet Banking and navigating to the 'Products and Offers' tab from your top menu. Click on the Insurance tab on the left-hand side and click on the Car Insurance product to get a quote. If you are an ANZ customer and not already registered with Internet Banking, click here to check your eligibility and register for Internet Banking.
Get a quote by visiting a branch. Book an appointment at your local branch or see a map of our branch locations. Or call our customer service team on 13 16 14, available Monday to Friday, 8am to 8pm (Sydney/Melbourne time).
ANZ Home Insurance with contents cover for renters:
ANZ Home Insurance has a range of cover available for your property:
ANZ Landlord Insurance has a range of cover available for your rental property:
Car insurance is a contract between you and your insurance company that provides financial protection against potential losses related to owning a vehicle. It is designed to help cover costs resulting from accidents, theft or damage to the insured vehicle, as well as liability for damage caused to other people's property.
When you buy car insurance, you pay regular premiums to the insurance company. In return, the company agrees to compensate you for losses as outlined in the policy. The specific coverage and terms of the policy can vary depending on the insurance provider and the type of coverage you choose.
Car insurance is an umbrella term that incorporates three main types of cover, each of which offers a different type of protection:
Comprehensive – Generally covers repairs or replacement of your own car, as well as repairing the damage caused to another person’s car or property if you have an accident where you’re at fault
The cost of car insurance depends on a range of factors, including:
A good way to find out the cost of car insurance is to get a quote that's tailored to your circumstances. A quote will outline your 'premium' – which is the total amount you will need to pay for one year of cover, including government taxes such as GST and any other duties or charges that apply. Get a quote for car insurance through ANZ
Comprehensive car insurance is generally the highest level of car insurance available. It can help cover the cost of repairs or replacement of your own car, and cover the cost of repairing the damage caused to another person's car or property if you have an accident.
Comprehensive car insurance can also cover you for a wide range of damage caused by insured events like theft, fire (including bushfire), storms (including cyclones) and hail.
Third party car insurance generally provides cover for damage caused to someone else's vehicle or property, if you are liable for it. The two main types of third party car insurance are:
Car insurance excess is your contribution towards the cost of a car insurance claim. The amount you contribute depends on the excess you nominated for your policy, which is shown on your Policy Schedule.
For example, in the event your claim was accepted, if your excess is $800 and the estimated cost to repair the vehicle is $2,250:
The difference in the repairs is only paid up to the applicable policy limits. Generally speaking, the higher the excess you nominate for your car insurance policy, the lower your premium.
You only pay the excess on your car insurance if you make a claim that is accepted by your insurer.
You generally pay the excess to the authorised repairer, as the excess is your contribution to the cost of your repairs. For example, if your excess is $800 and the estimated cost to repair the vehicle is $2,250:
The difference in the repairs is only paid up to the applicable policy limits.
You may not need to pay an excess if your insurer consider you not at fault for the accident, and you can provide the name and residential address of the person who is at fault.
The person who is at fault in a car accident is generally required to cover the other person's costs – including repairs, towing fees and replacement hire car costs. If the person at fault doesn't have car insurance, they typically need to pay the other person's costs out of their own pocket.
If you can't come to an agreement with the other person about who was at fault, or what payment is required to cover costs, you may need to seek legal advice.
It's worth noting that every registered car must be covered by Compulsory Third Party (CTP) Insurance. However, CTP Insurance only covers your liability, or the liability of anyone else who drives your vehicle, for injuries caused to others in a motor vehicle accident. It doesn't cover losses associated with or the cost of damage to your or anyone else's car or property.
If you have an ANZ Car Insurance policy and you’ve been in an accident, you should contact the insurer, CGU to lodge a claim as soon as possible.
CGU can give you immediate assistance with your claim 24 hours a day, 7 days a week. CGU:
For more information on how to claim car insurance please visit our claims page.
When you make a car insurance claim, your insurer will request quotes for the necessary repairs from one or more authorised repairers. If the repair costs come close to, or even outweigh, the insured value of the car, your insurer may decide to 'write off' your car instead of authorising the repairs.
When a car is written off, its details are entered in the Written-Off Vehicle Register (provided it's less than 15 years old and weighs less than 4.5 tonnes). The insurer will then provide the owner with a payout or a replacement car, depending on your insurance policy. This may be a car of the same model, or the market or agreed value, depending on your level of cover.
ANZ offers new vehicle replacement as standard on our Comprehensive Car Insurance, meaning that if your new vehicle is written off within the first 3 years of registration, you will be provided with a new vehicle of the same make, model, engine size and paint type, if available in Australia.
When you commence a car insurance policy that covers your vehicle (e.g. Comprehensive or Third Party Fire and Theft) you can typically choose between 'agreed value' or 'market value'. This will determine how your payout is calculated if your car is written off or stolen.
What is agreed value car insurance?
If your car insurance covers you for 'agreed value', you'll generally be covered for an amount that you and your insurer agree to insure your car for – regardless of the age or market value of your car at the time of the insurance claim.
The benefit is you know exactly what you're what you're covered for if your car is written off or stolen after an insured event.
What is market value car insurance?
If your policy is 'market value', your insurer will generally cover the reasonable replacement cost based on what your car's worth 'in the market'. This value is determined by your insurer at the time of claim by comparing your car to the market value of cars that are the same make, model, age, mileage and overall condition as yours.
Five handy ways to get more from your car insurance – from choosing the right level of cover to helping speed up your claim.
2023-06-30 00:00 Home InsuranceLearn how premiums are calculated, what of your home and contents can be covered while you're travelling, and more.
2024-09-04 00:00 Home InsuranceFind answers to common landlord insurance questions. Read our FAQs on what may be covered, rental income protection, holiday rentals and more.
2023-08-17 04:30Get a quote or apply by visiting your nearest ANZ branch
Make sure to have your policy number handy.
To make a claim call 13 16 14 or visit our claims page for more information.
This information was published on 3 July 2023 and is subject to change.
ANZ Home Insurance is issued by Insurance Australia Limited (ABN 11 000 016 722, AFSL 227681) trading as CGU Insurance and distributed by ANZ under its own license. ANZ recommends that you read the ANZ Financial Services Guide (PDF), ANZ Home Building Key Facts Sheet (PDF), ANZ Home Contents Key Facts Sheet (PDF), ANZ Home Insurance Target Market Determination (PDF), ANZ Home Insurance Premium, Excess and Discounts Guide (PDF) and the ANZ Home Insurance Product Disclosure Statement (PDF) (available online or by calling 13 16 14), before deciding whether to acquire, or to continue to hold, this product.
ANZ Landlord Insurance is issued by Insurance Australia Limited (ABN 11 000 016 722, AFSL 227681) trading as CGU Insurance and distributed by ANZ under its own license. ANZ recommends that you read the ANZ Financial Services Guide (PDF), ANZ Landlord Insurance Target Market Determination (PDF), ANZ Landlord Insurance Premium, Excess and Discounts Guide (PDF) and ANZ Landlord Insurance Product Disclosure Statement (PDF) (available online or by calling 13 16 14) before deciding whether to acquire, or to continue to hold, this product.
ANZ Car Insurance is issued by Insurance Australia Limited (ABN 11 000 016 722, AFSL 227681) trading as CGU Insurance and distributed by ANZ under its own license. ANZ recommends that you read the ANZ Financial Services Guide (PDF), ANZ Car Insurance Target Market Determination (PDF), ANZ Car Insurance Premium, Excess and Discounts Guide (PDF) and ANZ Car Insurance Product Disclosure Statement (PDF) (available online or by calling 13 16 14) before deciding whether to acquire, or to continue to hold, this product.
Although Australia and New Zealand Banking Group Limited (ANZ) (ABN 11 005 357 522 AFSL 234527) distributes these products, ANZ does not guarantee or stand behind the issuers or their products.
This information is of a general nature and has been prepared without taking account of your personal objectives, financial situation or needs. Before acting on the information, you should consider whether the information is appropriate for you having regard to your objectives, financial situation and needs.
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If CGU authorise and pay for a repairer to repair your vehicle in relation to an incident CGU have agreed to cover under this policy, CGU will provide a lifetime guarantee for the workmanship of those repairs as long as you are the owner of your vehicle.
CGU will provide cover up to a maximum of $20,000,000 (inclusive of GST and all legal costs) (the Liability Limit) for any one incident.
Covers accidents where you're at fault, fire, theft and vandalism, as well as damage from a range of natural events, including bushfires, hail, storms and floods.
If your new or demonstrator car is less than three years old and is written off, CGU will replace it with a new vehicle of the same make, model, engine size and paint type, if available in Australia.
CGU will pay the reasonable costs for you to hire a replacement vehicle or use alternative transport of taxis, rideshare services or public transport from the date of the incident until the date your vehicle is repaired, or when we settle your claim, whichever happens first.
If the windscreen, window glass, sunroof or moonroof of your vehicle is damaged during the period of insurance by accident and there is no other damage to your vehicle, CGU will pay the costs to repair or replace it (including any window tinting, demisters or rain sensors that are part of the windscreen) without requiring payment of the excess.
If CGU accept a claim for loss or damage to your vehicle, CGU will arrange for a partner repairer to repair your vehicle. However, if you have this optional benefit on your policy and CGU accept a claim for loss or damage to your vehicle, you may choose any licensed repairer to repair your vehicle – see 'Repairing Your Vehicle' in the 'Claims' section of the PDS.
