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.

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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
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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
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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 – TOYOTA KLUGER 2022. Price: $210.97 per month. Quote to Value Ratio: 4.32 – 💥 This is a great quote! The TOYOTA KLUGER (2022) with a valuation of 52300.00 has a monthly premium of 210.97. Compared to similar vehicles in our database with valuations between 41840.00 and 62760.00, this premium is slightly higher than average. For example, similar vehicles average around 190.00, indicating a 10.3% increase in premium. Notably, vehicles from the same make and model tend to have premiums within a narrower range, showing that the KLUGER's premium may reflect specific features or coverage levels. Limited data points may restrict broader conclusions. What is Quote to Value Ratio? A great quote usually has a QTV of 7% or less. For example, this TOYOTA is valued at $52300.00 with a yearly premium of $2260.34, giving a QTV of 4.32. A QTV over 8% may mean you're paying too much. Let’s help you reduce it today. Fun Facts about the TOYOTA KLUGER: - The Toyota Kluger 2022, also known as the Toyota Highlander in some markets, is equipped with Toyota's Safety Sense 2.5+ suite, which includes advanced safety features like pre-collision system with pedestrian detection, lane departure alert with steering assist, and full-speed range dynamic radar cruise control, making it one of the safest SUVs in its class. - The 2022 model is the first Kluger to offer a hybrid powertrain option, which combines a 2.5-liter four-cylinder engine with electric motors to deliver impressive fuel efficiency, making it a great value for those looking to save on fuel costs. - Due to its spacious interior and third-row seating, the Toyota Kluger 2022 has become a popular choice among families, offering a comfortable ride with plenty of space for passengers and cargo, which is a key reason for its popularity in the SUV market. #awesomequote #carinsurance #nationalcover #quotetovalue #compareinsurance #insurancehacks

Compare awesome quote for Rideshare Motor Insurance – TOYOTA CAMRY 2020. Price: $211.35 per month. Quote to Value Ratio: 6.60 – 💥 This is a great quote! The TOYOTA CAMRY (2020) with a valuation of 34,300.00 has a monthly premium of 211.35. Compared to similar vehicles in our database (within 20% of its valuation), this premium is about average. Several comparable vehicles show premiums ranging from 200 to 230, indicating that the CAMRY's price is reasonable within this segment. Notably, vehicles from the same make and model tend to have similar premiums, while some outliers exist, particularly among luxury brands, which show significantly higher rates. What is Quote to Value Ratio? A great quote usually has a QTV of 7% or less. For example, this TOYOTA is valued at $34300.00 with a yearly premium of $2264.42, 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 TOYOTA CAMRY: - The 2020 Toyota Camry offers a Nightshade Edition, which features black exterior accents, including black badges, window trim, and 18-inch wheels, giving the car a sleek, sporty look. - The 2020 Camry is one of the first Toyota models to offer Android Auto, complementing its existing Apple CarPlay and Amazon Alexa compatibility, enhancing its connectivity options. - Despite being a reliable and popular sedan, the 2020 Camry is also known for its competitive pricing, often considered a great value in its segment for offering a blend of performance, comfort, and technology. #awesomequote #carinsurance #nationalcover #quotetovalue #compareinsurance #insurancehacks

Compare awesome quote for Rideshare Motor Insurance – TOYOTA KLUGER 2022. Price: $210.29 per month. Quote to Value Ratio: 4.30% – 💥 This is a great quote! The TOYOTA KLUGER (2022) with a valuation of 52300.00 has a monthly premium of 210.29. Compared to similar vehicles within a 20% valuation range, this premium is slightly lower than the average premium of 225.00 found among comparable models, indicating a competitive pricing strategy. Notably, while the premium aligns well with vehicles of similar make and age, there are outliers, such as a Honda model with a premium of 180.00, suggesting variations possibly due to differences in risk assessment or coverage options. What is Quote to Value Ratio? A great quote usually has a QTV of 7% or less. For example, this TOYOTA is valued at $52300.00 with a yearly premium of $2253.08, giving a QTV of 4.30%. A QTV over 8% may mean you're paying too much. Let’s help you reduce it today. Fun Facts about the TOYOTA KLUGER: - The 2022 Toyota Kluger, also known as the Highlander in some markets, is well-regarded for its spaciousness, offering three rows of seating with a total capacity for up to eight passengers, making it an excellent choice for larger families. - This vehicle is equipped with Toyota's Safety Sense 2.5+ suite, which includes advanced safety features like pre-collision warning, pedestrian detection, lane departure alert, and adaptive cruise control, enhancing its reputation as a family-friendly and secure SUV. - Despite being a mid-size SUV, the 2022 Kluger comes with a hybrid powertrain option that delivers impressive fuel efficiency, achieving up to 36 miles per gallon, which is a standout feature in its class. #awesomequote #carinsurance #nationalcover #quotetovalue #compareinsurance #insurancehacks

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