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 Private Motor Insurance – BMW X5 2018. Price: $170.45 per month. Quote to Value Ratio: 4.23% – 💥 This is a great quote! The BMW X5 (2018) valued at 44700.00 has a monthly premium of 170.45. This premium is slightly lower than the average for similar vehicles in our dataset, which is around 180.00. Approximately 60% of comparable vehicles fall within a range of 10% higher and lower in valuation, with premiums averaging 175.00. Notably, luxury makes like Audi and Mercedes-Benz tend to have higher premiums, suggesting that brand influence affects pricing. Overall, the X5's premium is competitive, sitting below the average for its class. What is Quote to Value Ratio? A great quote usually has a QTV of 7% or less. For example, this BMW is valued at $44700.00 with a yearly premium of $1888.89, giving a QTV of 4.23%. A QTV over 8% may mean you're paying too much. Let’s help you reduce it today. Fun Facts about the BMW X5: - The 2018 BMW X5 is known for its luxurious interior and advanced technology features, which include a large 10.2-inch infotainment display and a premium Harman Kardon sound system, making it a top choice for those who value in-car entertainment and connectivity. - In terms of safety, the 2018 BMW X5 received high safety ratings due to features like the optional Driver Assistance Plus package, which includes adaptive cruise control, lane departure warning, and a surround-view camera system, enhancing the overall driving experience and safety on the road. - Celebrity owners of the BMW X5 include famous personalities such as LeBron James, who is known for his preference for luxury SUVs, highlighting the vehicle's popularity among high-profile individuals. #awesomequote #carinsurance #nationalcover #quotetovalue #compareinsurance #insurancehacks

Compare awesome quote for Rideshare Motor Insurance – MITSUBISHI OUTLANDER 2018. Price: $120.20 per month. Quote to Value Ratio: 5.59% – 💥 This is a great quote! The MITSUBISHI OUTLANDER (2018) valued at 23800.00 has a monthly premium of 120.20. Compared to similar vehicles in the database, this premium is slightly below average, as most comparable vehicles with valuations ranging from 19040.00 to 28560.00 show premiums averaging around 130.00. Notably, vehicles from similar makes like TOYOTA and HONDA exhibit premiums significantly higher, suggesting the OUTLANDER offers competitive pricing. However, limited data points within the 20% valuation range may restrict a comprehensive analysis. What is Quote to Value Ratio? A great quote usually has a QTV of 7% or less. For example, this MITSUBISHI is valued at $23800.00 with a yearly premium of $1332.07, giving a QTV of 5.59%. A QTV over 8% may mean you're paying too much. Let’s help you reduce it today. Fun Facts about the MITSUBISHI OUTLANDER: - The 2018 Mitsubishi Outlander is known for its excellent safety features, having received a Top Safety Pick designation from the Insurance Institute for Highway Safety (IIHS). This makes it a reliable choice for families looking for a safe vehicle. - One of the unique features of the 2018 Outlander is its Super All-Wheel Control (S-AWC) system, which enhances stability and traction on various road conditions, making it a versatile vehicle for different environments. - Despite being an SUV, the 2018 Outlander is relatively affordable, with a starting price lower than many of its competitors in the same class. This makes it a good value for those seeking a budget-friendly SUV with three-row seating. #awesomequote #carinsurance #nationalcover #quotetovalue #compareinsurance #insurancehacks

Compare awesome quote for Private Motor Insurance – HYUNDAI TUCSON 2017. Price: $84.14 per month. Quote to Value Ratio: 4.66% – 💥 This is a great quote! The HYUNDAI TUCSON (2017) with a valuation of 20000.00 has a monthly premium of 84.14. Compared to similar vehicles in our database, this premium is slightly higher than average. Vehicles within 20% of its valuation typically range between 67.30 and 100.00 in monthly premiums, indicating that the Tucson's premium is on the higher end of the spectrum. Notably, this could be influenced by its make and model, as Hyundai vehicles often exhibit varying insurance costs due to factors like safety ratings and claims history. What is Quote to Value Ratio? A great quote usually has a QTV of 7% or less. For example, this HYUNDAI is valued at $20000.00 with a yearly premium of $932.40, giving a QTV of 4.66%. A QTV over 8% may mean you're paying too much. Let’s help you reduce it today. Fun Facts about the HYUNDAI TUCSON: - The 2017 Hyundai Tucson was lauded for its safety features, earning a Top Safety Pick+ designation from the Insurance Institute for Highway Safety (IIHS), making it a strong contender for families prioritizing safety. - Famous for its value, the 2017 Hyundai Tucson offered a wide range of features at a competitive price point, such as a touchscreen infotainment system, rearview camera, and Bluetooth connectivity, which were considered premium features for its class at the time. - A quirky fact about the 2017 Hyundai Tucson is that it featured a unique 'YES Essentials' stain-resistant fabric for the interior upholstery, which was a selling point for those with young children or pets, as it helped keep the car's interior looking new longer. #awesomequote #carinsurance #nationalcover #quotetovalue #compareinsurance #insurancehacks

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