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 Rideshare Motor Insurance – KIA CARNIVAL 2021. Price: $366.05 per month. Quote to Value Ratio: 6.60% – 💥 This is a great quote! The KIA CARNIVAL (2021), valued at 61400.00, has a monthly premium of 366.05. When compared to similar vehicles within a 20% valuation range, this premium is slightly higher than average. Specifically, most comparable vehicles have premiums ranging from 320.00 to 350.00, making the CARNIVAL's premium about 5-10% above this range. Notably, some higher-end models within this group show premiums exceeding 400.00, suggesting that while the KIA's premium is on the higher side, it aligns with models that offer additional features or safety ratings. What is Quote to Value Ratio? A great quote usually has a QTV of 7% or less. For example, this KIA is valued at $61400.00 with a yearly premium of $4056.54, 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 KIA CARNIVAL: - The 2021 KIA Carnival is known for its exceptional safety features, earning a 5-star safety rating from the National Highway Traffic Safety Administration (NHTSA). It includes advanced driver-assistance systems like forward collision warning, lane-keeping assist, and blind-spot monitoring. - The KIA Carnival 2021 is a popular choice among families due to its spacious interior, offering seating for up to 8 passengers with a flexible seating arrangement that can be adjusted to optimize passenger or cargo space. - One quirky fact about the KIA Carnival 2021 is its unique "VIP Lounge Seating" in the second row, which offers reclining seats with adjustable footrests, reminiscent of luxury airline seating, providing an exceptionally comfortable ride. #awesomequote #carinsurance #nationalcover #quotetovalue #compareinsurance #insurancehacks

Compare awesome quote for Private Motor Insurance – HYUNDAI KONA 2017. Price: $102.77 per month. Quote to Value Ratio: 6.62% – 💥 This is a great quote! The HYUNDAI KONA (2017) with a valuation of 17200.00 has a monthly premium of 102.77. Compared to similar vehicles in our database within 20% of its valuation, this premium is slightly higher than average. Most comparable vehicles have premiums ranging from 90 to 100, indicating that the KONA's premium is above the median by approximately 5-10%. Notably, vehicles from the same make and model tend to have similar premiums, suggesting consistent pricing strategies within this segment. However, the limited number of comparable vehicles may affect the robustness of this analysis. What is Quote to Value Ratio? A great quote usually has a QTV of 7% or less. For example, this HYUNDAI is valued at $17200.00 with a yearly premium of $1138.89, giving a QTV of 6.62%. A QTV over 8% may mean you're paying too much. Let’s help you reduce it today. Fun Facts about the HYUNDAI KONA: - The Hyundai Kona 2017 was one of the first compact SUVs to feature a vibrant, two-tone color scheme, allowing customers to choose a contrasting roof color, which added a unique and youthful appeal to the vehicle. - The 2017 Hyundai Kona was praised for its advanced safety features, including Lane Keeping Assist and Driver Attention Warning, which were innovative for a subcompact SUV at the time, contributing to its strong safety ratings. - Despite its compact size, the 2017 Hyundai Kona's interior design was cleverly engineered to maximize space, providing ample headroom and legroom for passengers, which was often noted as a standout feature against its competitors. #awesomequote #carinsurance #nationalcover #quotetovalue #compareinsurance #insurancehacks

Compare awesome quote for Private Motor Insurance – TOYOTA LANDCRUISER 2013. Price: $140.86 per month. Quote to Value Ratio: 4.80% – 💥 This is a great quote! The TOYOTA LANDCRUISER (2013) has a monthly premium of 140.86, which is approximately 10% lower than the average premium of similar vehicles within 20% of its valuation. Most comparable vehicles have premiums ranging from 150 to 160, indicating a generally higher cost for similar models. Notably, the LANDCRUISER's premium is competitive, suggesting it offers good value in its class. However, due to limited data points, further trends regarding make and model variations are inconclusive. What is Quote to Value Ratio? A great quote usually has a QTV of 7% or less. For example, this TOYOTA is valued at $32500.00 with a yearly premium of $1560.98, giving a QTV of 4.80%. A QTV over 8% may mean you're paying too much. Let’s help you reduce it today. Fun Facts about the TOYOTA LANDCRUISER: - The 2013 Toyota Land Cruiser was designed with a rich blend of luxury features and off-road capability, featuring an advanced Crawl Control system that helps maintain a steady speed in challenging terrains, making it a preferred choice for adventure enthusiasts. - Despite its premium features and robust build, which include a powerful 5.7-liter V8 engine, the 2013 Land Cruiser is known for its durability and longevity, often being considered a good value due to its long lifespan and ability to retain resale value. - The 2013 Toyota Land Cruiser has been a popular choice among celebrities, with notable owners including Tom Hanks, who appreciates the vehicle for its reliability and versatility, particularly in remote locations. #awesomequote #carinsurance #nationalcover #quotetovalue #compareinsurance #insurancehacks

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