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ANZ Car Insurance

Banking giant ANZ provides a range of financial services, including a range of car insurance options for drivers in Australia. Read our review to learn more about its products! 

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, updated on February 16th, 2024       

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ANZ is one of Australia’s Big Four banks, offering a range of banking and financial services to millions of Australians. Underwritten by CGU, ANZ’s car insurance policies give drivers a variety of options to choose from to suit their coverage needs.

We take a look at ANZ’s products in this review so you can understand its car insurance options. Find out about the different levels of cover available and the optional extras you can add today!

Disclaimer: all coverage offered by ANZ is subject to the terms and conditions of your policy. Limits and exclusions apply. Please refer to your Product Disclosure Statement (PDS) or contact ANZ if you’re unsure about what is and isn’t covered.

Please note that Savvy does not represent ANZ for its car insurance products. All listed policies, inclusions and limits are correct as of July 2023.

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What car insurance policies are available through ANZ?

ANZ offers the following types of car insurance to Australian drivers:

Comprehensive Plus

Comprehensive car insurance offers the most extensive protection of the different types of cover. ANZ’s Comprehensive Plus policy offers many of the features of its Third Party Fire and Theft cover, as well as the following additional inclusions:

  • Coverage for loss or damage to your vehicle, including accidents, collision, earthquake, explosion, fire, flood, storm, theft, attempted theft, tsunami, vandalism or malicious acts occurring within Australia
  • Emergency repairs up to $1,000
  • Emergency transport and accommodation, up to $1,500
  • Reasonable costs to hire a replacement vehicle or use alternative transport if your vehicle is undrivable, unsafe to drive or being repaired due to a covered incident where you are not at fault, until your vehicle is repaired or your claim is settled
  • Hire car or alternative transport after theft, up to $100 per day
  • Reasonable cost of removing incompatible fuel or additives accidentally put into your vehicle and any resulting loss or damage caused
  • New car replacement if your car is written off and is less than 3 years old
  • Reasonable costs to repair or replace the personal items, up to $1,000
  • Up to $2,000 to replace keys or access codes if they are stolen, lost or duplicated
  • Up to $250 for taxi fares or rideshare service fees after your car is involved in an incident
  • Up to $1,500 to repair or replace tools of trade
  • Up to $1,500 for trailer or caravan damage
Third Party Fire and Theft

This type of cover offers protections against damage sustained due to theft and fire, as well as damage to other vehicles and property, though not your own. ANZ’s Third Party Fire and Theft insurance has the following inclusions:

  • Coverage against vehicle loss or damage caused by fire, theft or attempted theft within Australia, up to $10,000
  • Legal liability cover up to $20 million*
  • Replacement cost for damaged or stolen baby capsules or child seats*
  • Emergency repairs, up to $800
  • Emergency transport and accommodation, up to $750
  • Reasonable costs to replace, refill or replenish a domestic fire extinguisher kept within the car and used to extinguish a fire or assist in rescuing a person from a vehicle accident*
  • Hire vehicle after theft, up to $65 per day
  • Lifetime repair guarantee*
  • Legal representation at a coronial inquiry, up to $10,000*
  • Reasonable remediation costs if your stolen vehicle is recovered with methamphetamine contamination damage*
  • Temporary cover for a replacement vehicle, up to 14 days*
  • Towing your vehicle to a repairer or safe place if it is damaged and undrivable, including towing between repairers and to/from a storage facility*
  • Reasonable costs of storing your vehicle at a facility or yard, including moving it to and from the storage location and the repairer*
  • Uninsured motorist damage cover, up to $5,000

* These benefits are also included in ANZ’s Comprehensive Plus car insurance policy

Third Party Property Damage

This is the most basic form of optional car insurance in Australia, designed to cover damage your vehicle causes to other people’s property, rather than to your own vehicle. ANZ’s Third Party Property Damage policy offers the following inclusions:

  • Legal liability up to $20 million
  • Legal representation at a coronial inquiry, up to $10,000
  • Lifetime repair guarantee
  • Temporary cover for a replacement vehicle, up to 14 days
  • Uninsured motorist damage cover, up to $5,000

Are there any optional extras available through ANZ?

Yes – ANZ’s Comprehensive Plus policy offers the following optional extra:

On top of this, two benefits are automatically included on Comprehensive Plus plans:

  • Excess-free glass extension
  • Hire car or alternative transport after an incident

What are some of the pros and cons of buying car insurance through ANZ?

  • Extensive coverage: ANZ offers a wide range of cover, including for fire extinguishers, tools of trade and methamphetamine damage.
  • Key replacement: car keys that have been stolen or lost are covered up to $2,000 under Comprehensive Plus plans.
  • Lifetime repair guarantee: all levels of cover have a lifetime repair guarantee included as standard.
  • No optional extras on third-party plans: optional extras are only offered as part of ANZ’s Comprehensive Plus car insurance plan.
  • No online claims option: claims can only be lodged over the phone, with no online option available as of July 2023.

Common questions about ANZ car insurance

Does ANZ offer CTP insurance?

No – ANZ doesn’t offer Compulsory Third Party (CTP) insurance in any state or territory of Australia. Check your state or territory government’s website to find out what your CTP options are.

Is roadside assistance available through ANZ?

No – ANZ does not offer roadside assistance as either an add-on to its car insurance products or a separate service.

How do I make a car insurance claim through ANZ?

ANZ changed its insurance provider to CGU on 3 July 2023. If you have taken out car insurance issued by CGU, you can lodge a claim 24/7 using the dedicated phone line.

If you purchased your policy before this date, your insurance will be covered by QBE. Claims under QBE-issued policies can be made online, using the claims form on the ANZ website.

What excesses may apply to my ANZ car insurance policy?

Four types of excess may apply to your policy:

  • Vehicle excess: you must pay the vehicle excess specified on your Certificate of Insurance for most claims
  • Driver excess: if a driver specified on the Certificate of Insurance has a driver excess, it must be paid in addition to the vehicle excess
  • Undisclosed driver excess: when a driver aged 25 years or older and not listed on the Certificate of Insurance is driving, an additional undisclosed driver excess applies
  • Undisclosed driver age excess: if the driver of your vehicle is under 25 years old and not listed on the Certificate of Insurance, an additional undisclosed driver age excess applies

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Disclaimer:

Savvy (ABN 78 660 493 194, ACR 541 339) provides readers with a variety of car insurance policies to compare. Savvy earns a commission from our partnered insurers each time a customer buys a car insurance policy via our website. All purchases are conducted via our partners’ websites. The integrity of our comparison service is unaffected by our partnerships with those businesses and our effort remains to bring further brands that do not already use our comparison service onboard.

Savvy’s comparison service includes selected products from a panel of trusted insurers and does not compare all products in the market. Any advice presented above or on other pages is general in nature and doesn’t consider your personal or business objectives, needs or finances. It’s always important to consider whether advice is suitable for you before purchasing an insurance policy. We always recommend readers to consult the Product Disclosure Statement (PDS) of different policies before purchasing your car insurance.

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