Car Insurance

As car insurance specialists, we offer Australia’s broadest access to motor policies—delivering unbeatable coverage at the lowest possible prices.

Our Insurance

Types of Car Insurance

Personal Car Insurances

Smarter Insurance

Stop overpaying for Car Insurance

Australian car insurance premiums are rising faster than ever—but your renewal price doesn't have to. We use AI-driven research to make sure you're never paying more than you should.

The Problem

Prices Climbing Every Year

Insurers count on customers staying put at renewal. Premiums increase silently each year, often well above inflation—and most Australians simply accept the new price without questioning it.

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Our Solution

AI-Powered Price Research

Our technology algorithmically compares policies across Australia's leading insurers in real time—analysing coverage terms, excess levels, and pricing data so you always see the sharpest deal available for your specific vehicle and profile.

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The Benefits

Lower Premiums, Every Renewal

You get expert, obligation-free advice that works in your favour—not the insurer's.

Access to Australia's broadest range of motor policies
Premiums benchmarked at every renewal, not just the first
Peace of mind that you're never left on a loyalty tax
Up to $20M third-party property cover included

Rideshare Insurances

Rideshare Insurance

The Rideshare Policy Market
is Broken. We Fixed It.

Most car insurers won't cover you the moment you accept a trip. We specialise in genuine rideshare cover—researched algorithmically across every available policy so you get the best price, every year.

Uber DiDi Ola All Platforms

The Problem

A Market Full of Gaps and Gotchas

Rideshare drivers face a minefield: policies with hour restrictions, providers operating outside APRA regulation, and premiums that spike without warning at renewal.

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Our Solution

Algorithmic Research Built for Rideshare

We've built price-comparison technology specifically for rideshare drivers. Our system researches every available policy in real time—at first quote and at every renewal—so you're never left paying a loyalty premium or holding a policy with hidden exclusions.

Real-time comparison across Australia's rideshare-specific policies
Renewal pricing benchmarked automatically—not just once
Expert review flags exclusions before you sign
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The Benefits

Full Cover. Low Prices. No Surprises.

Drive with confidence knowing your policy was chosen for you—not sold to you.

Lowest prices found—with a price match guarantee
Unlimited hours: no restrictions on app-on driving time
Full comprehensive cover including third-party property damage
APRA-licensed insurers—regulated, reliable, and accountable
Access to AFCA for independent dispute resolution if you ever need it
Up to $20M cover for damage to other people's property
Up to $20 million cover for damage to other people’s property caused by your car

Commercial Motor Insurances

Courier, Rental and Fleets

Managing a Fleet Shouldn't
Mean Managing the Risk Alone.

Commercial operators juggle renewal dates, claims, vehicle downtime, and rising premiums—often without the right cover behind them. We simplify all of it, from policy research to accident management.

Courier Fleets Rental Vehicles Business Fleets Trucks & Vans Trailers & Specialised

The Problem

Commercial Fleets Are Underserved and Overcharged

Multi-vehicle operators face a market with limited specialist options, mismatched policies, and no coordinated support when things go wrong. The operational burden is real—and costly.

Few insurers offer genuine multi-vehicle fleet policies for couriers, rentals, and business fleets
Staggered renewal dates create admin chaos and coverage gaps
Accident repairs and claims are left entirely to the operator to manage
Vehicle downtime with no replacement support hits revenue hard
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Our Solution

Algorithmic Research + Hands-On Claims Support

We combine intelligent price research with real operational support—so you get the right policy at the right price, and a team behind you when you need to make a claim.

Algorithmic comparison across commercial fleet policies in real time
Renewal pricing benchmarked for every vehicle, every year
Consolidated renewal management to eliminate staggered date chaos
Claims administration support—we handle the process, not just the paperwork
Repair coordination and vehicle downtime management included
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The Benefits

Significant Savings. Specialist Cover. Full Peace of Mind.

Built for operators who can't afford downtime, disputes, or the wrong policy.

Significant premium savings on multi-vehicle fleet policies
Specialist coverage tailored to rental and logistics industries
Comprehensive protection: collision, theft, fire, flood, and third-party property damage
End-to-end accident management so your team stays focused on operations
Up to $20M cover for damage to other people's property
APRA-licensed insurers with access to AFCA dispute resolution

Car Insurance & risk management specialists

Trusted by 5,000+ drivers for expert advice and unbeatable prices.

Call us today!

Why choose National Cover Insurance?

Lifetime Warranty on All Repairs
Replacement Cars on all Not At Fault claims
24x7 Towing
100% Online Claims Lodgement
Excess Discount when Repaired through our Preferred Repairer

Did you know you can switch your insurance anytime?

We can switch your current insurance policy with a reduced premium

Most insurers will grant you a return premium if you cancel during the existing policy period. Simply call your current insurer and ask how much you would be credited if you changed insurers.

This means you do not have to wait for your current policy to expire to make the change to National Cover!

TESTIMONIALS

Rated by Real Drivers Nationwide

Why Choose Us

Giving Back to Our Clients

Support and Tailored Advice

At National Cover we strive to provide advice and insurance tailored to you. Assistance and support provided for all concerns you may have.

365 Days of Assistance

A helping hand always by your side 365 days. Help can always be accessed via telephone or email. Our friendly team are always ready for your call to assist in time of need

Support and Tailored Advice

We love to give back and thank all our clients for being with us. Incentives are a part of doing insurance with us. Ask us how today!

Car Insurance Form

Save Big on Car Insurance

with Smart Price Research

How can we help?

How can we help?

Exceptional Prices for Drivers

Real Customer Quotes

Examples of outstanding prices offered to customers

Compare awesome quote for Rideshare Motor Insurance – KIA CARNIVAL 2021. Price: $366.05 per month. Quote to Value Ratio: 6.60% – 💥 This is a great quote! The KIA CARNIVAL (2021), valued at 61400.00, has a monthly premium of 366.05. When compared to similar vehicles within a 20% valuation range, this premium is slightly higher than average. Specifically, most comparable vehicles have premiums ranging from 320.00 to 350.00, making the CARNIVAL's premium about 5-10% above this range. Notably, some higher-end models within this group show premiums exceeding 400.00, suggesting that while the KIA's premium is on the higher side, it aligns with models that offer additional features or safety ratings. What is Quote to Value Ratio? A great quote usually has a QTV of 7% or less. For example, this KIA is valued at $61400.00 with a yearly premium of $4056.54, giving a QTV of 6.60%. A QTV over 8% may mean you're paying too much. Let’s help you reduce it today. Fun Facts about the KIA CARNIVAL: - The 2021 KIA Carnival is known for its exceptional safety features, earning a 5-star safety rating from the National Highway Traffic Safety Administration (NHTSA). It includes advanced driver-assistance systems like forward collision warning, lane-keeping assist, and blind-spot monitoring. - The KIA Carnival 2021 is a popular choice among families due to its spacious interior, offering seating for up to 8 passengers with a flexible seating arrangement that can be adjusted to optimize passenger or cargo space. - One quirky fact about the KIA Carnival 2021 is its unique "VIP Lounge Seating" in the second row, which offers reclining seats with adjustable footrests, reminiscent of luxury airline seating, providing an exceptionally comfortable ride. #awesomequote #carinsurance #nationalcover #quotetovalue #compareinsurance #insurancehacks

Compare awesome quote for Courier Delivery Motor Insurance – LDV V80 2020. Price: $41.47 per month. Quote to Value Ratio: 1.99% – 💥 This is a great quote! The LDV V80 (2020) has a valuation of 23100.00 and a monthly premium of 41.47. When compared to similar vehicles in our database within a 20% valuation range, this premium is slightly lower than the average, which is around 45.00. Notably, while some comparable vehicles have premiums exceeding 50.00, many are priced similarly, indicating a competitive rate for the V80. Factors such as make and model did not show significant variance in premiums, suggesting that the V80 is priced effectively within its category. What is Quote to Value Ratio? A great quote usually has a QTV of 7% or less. For example, this LDV is valued at $23100.00 with a yearly premium of $459.52, giving a QTV of 1.99%. A QTV over 8% may mean you're paying too much. Let’s help you reduce it today. Fun Facts about the LDV V80: - The LDV V80 2020 is equipped with a spacious cargo area, which makes it an excellent choice for businesses that require a versatile and reliable transport vehicle. The van offers up to 11.6 cubic meters of cargo space, accommodating a variety of business needs. - Despite its commercial nature, the LDV V80 2020 includes several comfort features that are typically found in passenger vehicles. It comes with air conditioning, power windows, and a multimedia system with Bluetooth connectivity, making it a comfortable ride for both drivers and passengers. - The LDV V80 2020 is known for its value for money. It is one of the more affordable options in the light commercial vehicle market, offering a great balance between cost and functionality, which appeals to small businesses and fleet operators looking for cost-effective solutions. #awesomequote #carinsurance #nationalcover #quotetovalue #compareinsurance #insurancehacks

Compare awesome quote for Private Motor Insurance – MITSUBISHI OUTLANDER 2017. Price: $121.22 per month. Quote to Value Ratio: 6.51% – 💥 This is a great quote! The MITSUBISHI OUTLANDER (2017) valued at 20600.00 has a monthly premium of 121.22. Compared to similar vehicles within a 20% valuation range, this premium is slightly above average. Among the comparable vehicles, most premiums ranged from 100 to 115, indicating that the OUTLANDER's premium is on the higher end. Notably, it appears that vehicles from premium brands tend to have higher premiums, suggesting that make and brand influence pricing significantly. What is Quote to Value Ratio? A great quote usually has a QTV of 7% or less. For example, this MITSUBISHI is valued at $20600.00 with a yearly premium of $1343.33, giving a QTV of 6.51%. A QTV over 8% may mean you're paying too much. Let’s help you reduce it today. Fun Facts about the MITSUBISHI OUTLANDER: - The 2017 Mitsubishi Outlander was praised for its affordability in the SUV market, with a starting price that was often lower than many of its competitors, making it an attractive option for budget-conscious families. - In terms of safety, the 2017 Outlander received the Top Safety Pick award from the Insurance Institute for Highway Safety (IIHS), highlighting its strong performance in crash tests and its available advanced safety features. - An interesting quirk about the 2017 Outlander is that it was one of the few SUVs of its time to offer a standard third-row seat, allowing it to accommodate up to seven passengers, which was a rare feature in its class. #awesomequote #carinsurance #nationalcover #quotetovalue #compareinsurance #insurancehacks

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