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

Comprehensive cover for private-use vehicles—protecting against accidental loss or damage from events like collision, flood, fire, theft, hail, storm, vandalism, and more across Australia.

Whether you drive a hatchback, SUV, prestige car, classic vehicle, or weekend cruiser, we’ve got you covered with tailored options for every lifestyle, budget, and need.

Choose from flexible policies including agreed or market value, choice of repairer, windscreen excess reduction, roadside assistance, and hire car after an accident.

Enjoy peace of mind with coverage that suits how you drive, backed by Australia’s leading insurers—at the lowest prices we can find, without compromise.

Let us do the comparison for you, and get expert, obligation-free advice that puts your needs first—without the guesswork.
Up to $20 million cover for damage to other people’s property caused by your car
Malicious damage or vandalism to your car
lifetime repair guarantee on motor vehicle repairs
24x7 Towing on all Motor Vehicle Accidents

Rideshare Insurances

Specialist rideshare insurance designed for drivers using their personal vehicles for Uber, DiDi, Ola, and more.

Covers you for both personal and commercial use—so you’re protected whether you're off-duty or driving passengers.

Enjoy full comprehensive cover including collision, theft, fire, flood, and third-party property damage.

No kilometre limits, no hidden restrictions—just the protection you need, at exceptional prices you won’t find going direct.

Tailored for full-time drivers, weekend earners, and everything in between—with fast claims support when it matters most.

Join over 5,000 rideshare drivers who trust us to deliver the right cover, with over 1,000 claims successfully processed.
Up to $20 million cover for damage to other people’s property caused by your car
Malicious damage or vandalism to your car
lifetime repair guarantee on work completed by an RACQ Insurance selected repairer
24x7 Towing on all Motor Vehicle Accidents

Commercial Motor Insurances

Specialist motor insurance for couriers, rental providers, fleets, trucks, and commercial vehicle operators.

Whether you're delivering parcels, managing rental vehicles, or running a nationwide fleet, we've got you covered.

Comprehensive protection against collision, theft, fire, flood, and third-party property damage.

Access tailored policies for vans, utes, light trucks, heavy vehicles, trailers, and specialised commercial use.

Flexible options for single vehicles or entire fleets—with streamlined claims and ongoing policy support.

Rely on our deep industry expertise to deliver smarter cover at lower cost—built for businesses that keep Australia moving.
Up to $20 million cover for damage to other people’s property caused by your car
Malicious damage or vandalism to your car
lifetime repair guarantee on work completed by an RACQ Insurance selected repairer
24x7 Towing on all Motor Vehicle Accidents

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!

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Exceptional Prices for Drivers

Real Customer Quotes

Examples of outstanding prices offered to customers

Compare awesome quote for Rideshare Motor Insurance – HONDA CIVIC VTI-LX MY20 4D SEDAN CONTINUOUS VARIABLE , 4 CYLINDER TURBO, 1.5L 2020. Price: $177.72 per month. Quote to Value Ratio: 6.37% – 💥 This is a great quote! The HONDA CIVIC VTI-LX MY20 4D SEDAN, valued at 30900.00, has a monthly premium of 177.72. Compared to similar vehicles within 20% of its valuation, this premium is slightly lower than average, with most identified premiums ranging from 180 to 200. This indicates that while the CIVIC's premium is competitive, it does not offer significant savings. Notably, premiums for similarly valued vehicles show some variance, likely influenced by factors such as make, model, and insurance coverage options. What is Quote to Value Ratio? A great quote usually has a QTV of 7% or less. For example, this HONDA is valued at $30900.00 with a yearly premium of $1969.51, giving a QTV of 6.37%. A QTV over 8% may mean you're paying too much. Let’s help you reduce it today. Fun Facts about the HONDA CIVIC VTI-LX MY20 4D SEDAN CONTINUOUS VARIABLE , 4 CYLINDER TURBO, 1.5L: - The 2020 Honda Civic VTI-LX features Honda Sensing, a suite of safety features that includes collision mitigation braking, road departure mitigation, adaptive cruise control, and lane keeping assist system, making it one of the safest vehicles in its class. - This model is equipped with a Continuously Variable Transmission (CVT) that is designed to provide a smoother driving experience by eliminating the traditional gear shifts, which also contributes to improved fuel efficiency. - The Honda Civic has consistently been one of the best-selling cars globally, and the 2020 model continues this trend, known for its reliability and excellent resale value, making it a favorite among used car buyers. #awesomequote #carinsurance #nationalcover #quotetovalue #compareinsurance #insurancehacks

Compare awesome quote for Rideshare Motor Insurance – HONDA HR-V 2022. Price: $129.60 per month. Quote to Value Ratio: 4.77 – 💥 This is a great quote! The HONDA HR-V (2022) valued at 30100.00 has a monthly premium of 129.60, which is slightly lower than the average premium of similar vehicles in our dataset. Vehicles within the 20% valuation range show an average premium of approximately 135.00, making the HR-V's premium about 4% below average. Notably, some comparable vehicles with higher valuations have significantly higher premiums due to factors like safety ratings and coverage options, which suggests that while the HR-V is competitively priced, choices in premium coverage may influence overall costs. What is Quote to Value Ratio? A great quote usually has a QTV of 7% or less. For example, this HONDA is valued at $30100.00 with a yearly premium of $1436.27, giving a QTV of 4.77. A QTV over 8% may mean you're paying too much. Let’s help you reduce it today. Fun Facts about the HONDA HR-V: - The 2022 Honda HR-V is known for its versatility and affordability, with a starting price around $21,870, making it one of the more budget-friendly options in the subcompact SUV category. - Safety is a strong suit for the 2022 Honda HR-V, as it comes equipped with the Honda Sensing suite of safety features in higher trims, including adaptive cruise control and lane-keeping assist, which were not commonly available at this price point. - Despite its compact size, the 2022 HR-V offers a unique Magic Seat feature, allowing the rear seats to fold in multiple configurations, providing up to 58.8 cubic feet of cargo space, which is exceptionally spacious for its class. #awesomequote #carinsurance #nationalcover #quotetovalue #compareinsurance #insurancehacks

Compare awesome quote for Rideshare Motor Insurance – TOYOTA RAV4 2020. Price: $141.77 per month. Quote to Value Ratio: 4.33 – 💥 This is a great quote! The TOYOTA RAV4 (2020) valued at 36,300.00 has a monthly premium of 141.77. Comparatively, premiums for similar vehicles within 20% of its valuation ranged from 120.00 to 160.00, indicating that the RAV4's premium is about average. Notably, while some higher-end models exhibited premiums exceeding 150.00, most comparable vehicles were clustered around the 130.00 mark, suggesting competitive pricing. Overall, the RAV4 fits well within the expected premium spectrum for its category, reflecting typical costs associated with its make and model. What is Quote to Value Ratio? A great quote usually has a QTV of 7% or less. For example, this TOYOTA is valued at $36300.00 with a yearly premium of $1571.12, giving a QTV of 4.33. A QTV over 8% may mean you're paying too much. Let’s help you reduce it today. Fun Facts about the TOYOTA RAV4: - The 2020 Toyota RAV4 was one of the best-selling compact SUVs in the United States, known for its practicality, reliability, and strong resale value, making it a great investment for families and individuals alike. - Despite being a compact SUV, the 2020 RAV4 offers an impressive array of safety features, including Toyota's Safety Sense 2.0 suite, which includes pre-collision systems, lane departure alert, and adaptive cruise control, contributing to its high safety ratings. - A quirky fact about the 2020 RAV4 is that it offers an Adventure trim with enhanced off-road capabilities, which includes features like Dynamic Torque Vectoring All-Wheel Drive, making it surprisingly adept at tackling rough terrains compared to other models in its class. #awesomequote #carinsurance #nationalcover #quotetovalue #compareinsurance #insurancehacks

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