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Australian Unity Car Insurance

Australian Unity is a well-established wellbeing organisation that offers drivers in Australia a choice of car insurance. Read our review to learn more about its products!  

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, updated on February 16th, 2024       

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Australian Unity, established in 1840, is Australia’s first member-owned wellbeing company, offering a comprehensive range of services including healthcare, financial services, retirement living and insurance. A part of its extensive insurance portfolio and backed by Allianz, Australian Unity’s car insurance plans provide a choice of cover, a range of benefits and peace of mind when on the road.

In this review, we break down Australian Unity’s car insurance products so you can understand your options. Find out what policies are on offer, what is and isn’t covered and the optional extras you can add today!

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

Please note that Savvy does not represent Australian Unity 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 Australian Unity?

Australian Unity provides the following types of car insurance:

Comprehensive

Comprehensive car insurance offers the most extensive protection of the different types of cover, covering you for accidental loss of your vehicle, theft and any other type of accidental damage that happens to your car. Australian Unity’s Comprehensive plan offers the following inclusions:

  • New for old replacement for vehicles less than 2 years old
  • Accidental death benefit of $25,000
  • $500 coverage for child seat or baby capsule damage
  • $500 coverage for emergency repairs
  • Up to $1,000 for emergency accommodation and travelling expenses
  • Up to $1,000 for lock re-keying or re-coding
  • Up to $1,000 for personal items
  • Up to 30 days of rental car coverage with a maximum of $100 per day after theft
  • 14 days of temporary cover for a replacement vehicle
  • Reasonable towing costs
  • Up to $1,000 or market value (whichever is lesser) for trailer and caravan damage
  • Up to $500 for transportation costs
  • $20 million coverage for legal liability
  • $20 million coverage for supplementary bodily injury (liability)
  • All legal costs
Third Party Property Damage

The most basic form of optional car insurance in Australia, this type of insurance is designed to cover damage your vehicle causes to other people’s property, rather than damage to your own vehicle. Australian Unity’s policy offers the following inclusions:

  • Legal liability coverage up to $20 million
  • Coverage for all legal costs
  • Supplementary bodily injury liability coverage up to $20 million
  • Uninsured motorists extension up to $5,000

Are there any optional extras available through Australian Unity?

Yes – Australian Unity offers the following optional extras on its Comprehensive plan:

  • Rental car following an accident, up to 30 days at a maximum of $100 per day
  • Removal of basic excess for windscreen claims, allowing for 1 replacement claim and 2 repairs within any insurance period
  • Tools of trade coverage, up to $3,000 for any one incident

You can also select the following optional excess to reduce your premium:

  • Unnamed driver excess, $2,500 for any one claim

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

  • Tools of trade cover option: you can insure your tools up to $3,000 with this optional extra on Comprehensive plans.
  • Pay monthly option: you can pay your premium annually or monthly for no extra cost.
  • Choice of repairer: you can have your vehicle repaired by one of Australian Unity’s selected repairers or choose your own repairer.
  • No TPFT cover: Australian Unity no longer offers Fire and Theft cover on new car insurance policies.
  • High unnamed driver excesses: under-25s not listed on the policy have a $1,800 excess, and there is an optional unnamed driver excess of $2,500.

Common questions about Australian Unity car insurance

Can I get any discounts on Australian Unity car insurance?

Yes – Australian Unity offers a number of ways to save on your car insurance premium. As of July 2023, this includes:

  • 10% off your first year's premium when purchasing a new Comprehensive Car Insurance policy online
  • Safe driver discount
  • Named driver discount
Does Australian Unity offer roadside assistance?

No – Australian Unity does not offer roadside assistance as part of its car insurance plans or as a separate service to subscribe to.

How do I make a car insurance claim with Australian Unity?

There are two options for lodging a car insurance claim:

  • Online: lodge your insurance claim anytime using Allianz’s secure online form.
  • Over the phone: dedicated consultants are available during business hours for personalised assistance with the claim process.
Does Australian Unity offer any other types of vehicle insurance?

Yes – alongside car insurance, Australian Unity also offers caravan and trailer insurance to cover accidental loss of or damage to your caravan or trailer and its contents.

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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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