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 – MERCEDES-AMG 2016 MERCEDES-AMG C 63 S 205 MY16, 4D SEDAN, 4.0L TURBO MPFI TV8, Automatic 2016. Price: $210.81 per month. Quote to Value Ratio: 3.09 – 💥 This is a great quote! The MERCEDES-AMG 2016 C 63 S, valued at 75400.00, has a monthly premium of 210.81. Within the 20% valuation range, the premiums of similar vehicles average around 220.00, placing this vehicle's premium slightly below average. Notably, most comparable vehicles, particularly luxury brands, exhibit premiums that are around 5% higher, indicating that the input vehicle's premium is competitive. Factors such as the vehicle's high performance and luxury status contribute to these premium patterns, reflecting typical pricing trends in the market. What is Quote to Value Ratio? A great quote usually has a QTV of 7% or less. For example, this MERCEDES-AMG is valued at $75400.00 with a yearly premium of $2336.20, giving a QTV of 3.09. A QTV over 8% may mean you're paying too much. Let’s help you reduce it today. Fun Facts about the MERCEDES-AMG 2016 MERCEDES-AMG C 63 S 205 MY16, 4D SEDAN, 4.0L TURBO MPFI TV8, Automatic: - The MERCEDES-AMG C 63 S 2016 is equipped with a hand-built 4.0L V8 biturbo engine, which is a signature feature of AMG models, offering a massive power output of 503 horsepower, providing exhilarating performance and a 0-60 mph time of approximately 3.9 seconds. - This model is known for its luxurious interior and advanced technology features, including a high-resolution display, head-up display, and a suite of driver assistance systems such as adaptive cruise control and blind spot monitoring, making it both a high-performance and high-tech vehicle. - The C 63 S has been a popular choice among car enthusiasts and celebrities alike, with famous owners reportedly including Lewis Hamilton, the Formula 1 driver, who is an ambassador for Mercedes-AMG, demonstrating the car's appeal to those who appreciate both speed and style. #awesomequote #carinsurance #nationalcover #quotetovalue #compareinsurance #insurancehacks

Compare awesome quote for Rideshare Motor Insurance – TESLA 2016, TESLA, MODEL S, 4D HATCHBACK, 0.0L 2016. Price: $408.34 per month. Quote to Value Ratio: 5.34 – 💥 This is a great quote! The TESLA 2016, TESLA, MODEL S, 4D HATCHBACK, 0.0L, valued at 84600.00, has a monthly premium of 408.34. When compared to similar vehicles within a 20% valuation range, this premium appears to be average, as similar vehicles report premiums ranging from 350.00 to 450.00. Notably, vehicles of the same make and model tend to feature premiums on the higher end, indicating a trend where premium pricing aligns with the vehicle's premium features and safety ratings. Overall, the input vehicle's premium is consistent with market expectations for its valuation. What is Quote to Value Ratio? A great quote usually has a QTV of 7% or less. For example, this TESLA is valued at $84600.00 with a yearly premium of $4525.28, giving a QTV of 5.34. A QTV over 8% may mean you're paying too much. Let’s help you reduce it today. Fun Facts about the TESLA 2016, TESLA, MODEL S, 4D HATCHBACK, 0.0L: - The Tesla Model S 2016 was the first electric vehicle to receive a perfect safety rating from the National Highway Traffic Safety Administration (NHTSA), making it one of the safest vehicles on the road. - The Tesla Model S has a unique feature called 'Bioweapon Defense Mode,' which is an advanced air filtration system that can protect passengers from pollution and even bioweapons, creating a highly purified air environment inside the car. - The Tesla Model S 2016 was favored by several celebrities, including Leonardo DiCaprio and Cameron Diaz, both of whom are known for their environmental activism and preference for sustainable technology. #awesomequote #carinsurance #nationalcover #quotetovalue #compareinsurance #insurancehacks

Compare awesome quote for Rideshare Motor Insurance – JAGUAR E-PACE 2020. Price: $264.41 per month. Quote to Value Ratio: 5.39 – 💥 This is a great quote! The JAGUAR E-PACE (2020) with a valuation of 54400.00 has a monthly premium of 264.41. Compared to similar vehicles within 20% of its valuation, this premium is slightly higher than average. For instance, several comparable vehicles have premiums ranging from 220.00 to 250.00, indicating a variance of about 10-15%. Notably, luxury brands tend to have higher premiums, which could explain the E-PACE's positioning. However, the limited number of comparable vehicles within this range suggests that a broader analysis could provide more insights into prevailing market trends. What is Quote to Value Ratio? A great quote usually has a QTV of 7% or less. For example, this JAGUAR is valued at $54400.00 with a yearly premium of $2930.16, giving a QTV of 5.39. A QTV over 8% may mean you're paying too much. Let’s help you reduce it today. Fun Facts about the JAGUAR E-PACE: - The JAGUAR E-PACE 2020 is equipped with Jaguar's unique Activity Key, a waterproof and shockproof wristband that allows owners to lock and unlock the vehicle without needing to carry the traditional key fob, making it ideal for active lifestyles. - Despite being a luxury compact SUV, the E-PACE 2020 features a surprisingly affordable starting price compared to its competitors, making it an attractive option for those seeking a blend of luxury and practicality. - The JAGUAR E-PACE 2020 features a unique design element known as the 'cub' in the windshield, which is a small graphic of a playful jaguar cub following its mother, adding a quirky and personal touch to the vehicle. #awesomequote #carinsurance #nationalcover #quotetovalue #compareinsurance #insurancehacks

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