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 – KIA CARNIVAL 2022. Price: $213.21 per month. Quote to Value Ratio: 3.63% – 💥 This is a great quote! The KIA CARNIVAL (2022) with a valuation of $64,200 has a monthly premium of $213.21. When compared to similar vehicles within a 20% valuation range, this premium is generally average. Many vehicles in this category have premiums ranging from $200 to $240, indicating that the KIA's premium is competitive. Notably, while some higher-end models exhibit premiums upwards of $250, the KIA's pricing remains accessible. This balance suggests the KIA CARNIVAL is appropriately priced given its valuation and market position. What is Quote to Value Ratio? A great quote usually has a QTV of 7% or less. For example, this KIA is valued at $64200.00 with a yearly premium of $2330.11, giving a QTV of 3.63%. 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 KIA CARNIVAL 2022 is known for its luxurious interior features, often being compared to a premium SUV for its spaciousness and comfort. It includes VIP Lounge Seating with leg extensions in the second row, which is quite rare for vehicles in its class. - With a focus on safety, the KIA CARNIVAL 2022 comes equipped with advanced safety features like Blind-Spot View Monitor and Safe Exit Assist, making it one of the safest choices for families. - The KIA CARNIVAL 2022 has gained popularity for its versatility, often being marketed as a 'Multi-Purpose Vehicle' (MPV) rather than just a minivan, appealing to both families and businesses for its adaptable interior configurations. #awesomequote #carinsurance #nationalcover #quotetovalue #compareinsurance #insurancehacks

Compare awesome quote for Rental Usage Motor Insurance – TOYOTA CAMRY ASCENT SPORT HYBRID 2020. Price: $257.37 per month. Quote to Value Ratio: 7.93 – 💥 This is a great quote! The TOYOTA CAMRY ASCENT SPORT HYBRID (2020), valued at 35400.00, has a monthly premium of 257.37. Compared to similar vehicles in our database, this premium is slightly higher than average, as most similar vehicles have premiums averaging around 240.00, representing a 7% increase. Notably, several comparable models are priced similarly but have lower premiums, suggesting potential pricing variations based on make or model. Overall, while the premium is reasonable for its valuation, it may indicate that the vehicle's specific attributes or coverage options are influencing the cost. What is Quote to Value Ratio? A great quote usually has a QTV of 7% or less. For example, this TOYOTA is valued at $35400.00 with a yearly premium of $2812.65, giving a QTV of 7.93. A QTV over 8% may mean you're paying too much. Let’s help you reduce it today. Fun Facts about the TOYOTA CAMRY ASCENT SPORT HYBRID: - The 2020 Toyota Camry Ascent Sport Hybrid is renowned for its impressive fuel efficiency, providing approximately 52 miles per gallon in combined city and highway driving, making it a cost-effective option for those looking to save on fuel costs. - This model comes equipped with Toyota's Safety Sense suite, which includes features like pre-collision systems, lane departure alert with steering assist, and dynamic radar cruise control, contributing to its reputation as a safe family vehicle. - Despite being a hybrid, the 2020 Camry Ascent Sport Hybrid still maintains a sporty feel, thanks to its 2.5-liter Dynamic Force engine coupled with an electric motor, delivering a combined output of 208 horsepower. #awesomequote #carinsurance #nationalcover #quotetovalue #compareinsurance #insurancehacks

Compare awesome quote for Rideshare Motor Insurance – TESLA MODEL Y 2022. Price: $260.17 per month. Quote to Value Ratio: 4.60% – 💥 This is a great quote! The TESLA MODEL Y (2022), valued at 62800.00, has a monthly premium of 260.17. Compared to similar vehicles within a 20% valuation range, this premium is slightly above average. Vehicles in this range typically have premiums averaging around 240.00, indicating a 8% increase for the Tesla. Notably, luxury brands also show higher premiums, but a few outliers have significantly lower rates, likely due to their age or different coverage options. Overall, while the premium is competitive, it's essential to consider individual vehicle specifications that may impact costs. What is Quote to Value Ratio? A great quote usually has a QTV of 7% or less. For example, this TESLA is valued at $62800.00 with a yearly premium of $2883.20, giving a QTV of 4.60%. A QTV over 8% may mean you're paying too much. Let’s help you reduce it today. Fun Facts about the TESLA MODEL Y: - The Tesla Model Y 2022 is one of the safest vehicles on the road, having achieved a 5-star safety rating from the National Highway Traffic Safety Administration (NHTSA) in every category and subcategory, thanks to its advanced safety features and structural design. - Despite being a relatively new model, the Tesla Model Y quickly became one of the best-selling electric vehicles globally, showcasing its immense popularity and appeal among consumers who are shifting towards sustainable transportation. - The Tesla Model Y 2022 features a unique "Bioweapon Defense Mode," which is a high-efficiency particulate air (HEPA) filtration system designed to provide hospital-grade air quality inside the cabin, a feature that is both quirky and practical. #awesomequote #carinsurance #nationalcover #quotetovalue #compareinsurance #insurancehacks

Let us get you on the road, Hassle Free.

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