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 Private Motor Insurance – LAND ROVER 2016 Land Rover Discovery Spor LCMY16 TD4 SE Stnwg, 2200cc turbo diesel 2016. Price: $171.03 per month. Quote to Value Ratio: 5.81% – 💥 This is a great quote! The LAND ROVER 2016 Land Rover Discovery Spor LCMY16 TD4 SE Stnwg, valued at 32600.00, has a monthly premium of 171.03. This premium is slightly lower compared to similar vehicles in our database, which average around 180. A notable finding is that while most comparable models maintain premiums between 160 and 200, this vehicle stands out as more economical. Factors contributing to this lower premium may include the vehicle's make and model prestige, influencing pricing differently than other brands. What is Quote to Value Ratio? A great quote usually has a QTV of 7% or less. For example, this LAND ROVER is valued at $32600.00 with a yearly premium of $1895.35, giving a QTV of 5.81%. A QTV over 8% may mean you're paying too much. Let’s help you reduce it today. Fun Facts about the LAND ROVER 2016 Land Rover Discovery Spor LCMY16 TD4 SE Stnwg, 2200cc turbo diesel: - The 2016 Land Rover Discovery Sport TD4 SE was noted for its blend of luxury and off-road capability, making it a popular choice among buyers seeking a versatile SUV. Its starting price was competitive within its segment, appealing to those looking for a luxurious yet rugged vehicle. - This vehicle is equipped with advanced safety features, including a suite of airbags, emergency brake assist, and hill descent control, which made it particularly appealing to families and adventure enthusiasts concerned with safety. - A quirky fact about the 2016 Discovery Sport is that it has a 'wade sensing' feature, which uses sensors in the side mirrors to measure the water depth when driving through water, alerting the driver if the water is too deep for safe passage. #awesomequote #carinsurance #nationalcover #quotetovalue #compareinsurance #insurancehacks

Compare awesome quote for Private Motor Insurance – VOLVO XC40 2022. Price: $273.96 per month. Quote to Value Ratio: 4.93% – 💥 This is a great quote! The VOLVO XC40 (2022) with a valuation of 61500.00 has a monthly premium of 273.96. Compared to similar vehicles in our database, this premium is average, considering vehicles with valuations between 49200.00 and 73800.00. Most comparable vehicles have premiums ranging from 250 to 300, indicating that the XC40's premium is fairly standard. Notably, there are some outliers, particularly luxury models that exceed 350, while others with similar valuations are priced lower due to factors like brand reputation and safety ratings. What is Quote to Value Ratio? A great quote usually has a QTV of 7% or less. For example, this VOLVO is valued at $61500.00 with a yearly premium of $3036.02, giving a QTV of 4.93%. A QTV over 8% may mean you're paying too much. Let’s help you reduce it today. Fun Facts about the VOLVO XC40: - The 2022 Volvo XC40 is known for its exceptional safety features, including the Volvo City Safety system, which can automatically apply the brakes to avoid collisions with other vehicles, pedestrians, and large animals. - In terms of price, the 2022 Volvo XC40 starts at around $34,100, making it one of the more affordable luxury compact SUVs, which provides great value considering its premium features and build quality. - Volvo's Care by Volvo subscription service, which includes insurance and maintenance, is available for the 2022 XC40. This unique service model has gained popularity among urban dwellers and those who prefer a hassle-free car ownership experience. #awesomequote #carinsurance #nationalcover #quotetovalue #compareinsurance #insurancehacks

Compare awesome quote for Private Motor Insurance – HOLDEN 2013, HOLDEN, COLORADO, CREW C/CHAS, 2.8LL 2013. Price: $76.47 per month. Quote to Value Ratio: 3.83% – 💥 This is a great quote! The HOLDEN 2013, HOLDEN, COLORADO, CREW C/CHAS, 2.8LL (valuation: 22100.00) has a monthly premium of 76.47. Compared to similar vehicles in our database, which are within 20% of its valuation, this premium is slightly above average. Many comparable vehicles show premiums ranging from 65 to 75, suggesting the input vehicle's premium is on the higher end. Notably, the premium aligns with the vehicle's make and year, but some outliers indicate variation potentially due to specific risk factors not immediately apparent in the data. What is Quote to Value Ratio? A great quote usually has a QTV of 7% or less. For example, this HOLDEN is valued at $22100.00 with a yearly premium of $847.47, giving a QTV of 3.83%. A QTV over 8% may mean you're paying too much. Let’s help you reduce it today. Fun Facts about the HOLDEN 2013, HOLDEN, COLORADO, CREW C/CHAS, 2.8LL: - The 2013 Holden Colorado is equipped with a 2.8L Duramax turbo diesel engine, which is renowned for its towing capacity. It can tow up to 3,500 kg, making it an excellent choice for those who need a reliable workhorse. - When it comes to safety, the 2013 Holden Colorado received a 5-star ANCAP safety rating, which includes features like Electronic Stability Control, Traction Control System, and Anti-lock Braking System, ensuring a safe driving experience. - In Australia, the Holden Colorado was a popular choice among tradies and outdoor enthusiasts due to its rugged build and versatility. It was often chosen for its off-road capabilities and was a common sight in both urban and rural settings. #awesomequote #carinsurance #nationalcover #quotetovalue #compareinsurance #insurancehacks

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