NAB car insurance

NAB's overall rating for car insurance

(as rated by the Mozo community)

8.0 / 10

based on 59 reviews

One of Australia’s big four banks, NAB has been around for over 150 years, offering the whole gamut of financial products - from home loans, to savings accounts, to insurance policies - to Aussies. So if you want one of the major players in your corner when it comes to protecting your wheels, check out the need-to-know details of a NAB car insurance policy below:

NAB offers the following car insurance policies

Product Monthly premiums available Maximum no claim discount Online discount Choice of repairer


up to 65%



*Any information provided on this page should be considered a summary and general advice only. All information should be verified before purchase via the relevant Product Disclosure Statement (PDS).

Mozo may receive a payment from financial providers listed on the site. Customer reviews are in no way affected by any commercial relationships Mozo has with providers.

Frequently asked questions about NAB car insurance

Can I choose what excess I pay?

Absolutely. You’ve got the choice between a low excess or a high one. Might seem like a no brainer, but here’s the catch - if you opt to pay a low excess, you’ll wind up paying a higher premium upfront. The opposite also applies, so if you want to cut down the price of your premium, you might opt for higher excess.

Another thing to keep in mind is that an extra excess will apply for drivers under 25, or who aren’t listed on the policy.

What discounts are available?

Another option for keeping your premium low is to cash in on all the available discounts. With NAB, these include:

Something to keep in mind though - you can only claim the multi policy discount when you buy over the phone, in which case you won’t get the online discount. So it’s one or the other, unfortunately.

How is my premium calculated?

Basically, a car insurance premium is based on how likely it is that you’ll have to make a claim on it. The riskier you are as a car owner, the higher your premium will be.

To work that out, NAB looks at a bunch of different factors, including: 

How can I pay my premium?

You can choose to pay your NAB premium either upfront as one lump sum or on a monthly basis at no extra charge.

What cover do I have in an emergency?

If you find yourself in an emergency, that’s when you really want your car insurance to come through for you. So it’s important to understand just what cover your NAB policy offers. You can make use of:

How is NAB car insurance rated by customers?

We’ve covered some of the frequently asked questions about NAB car insurance, but if you want to get into the nitty gritty of what it’s really like to take out a policy with NAB, why not hear it from the people who know best? That’s why we’ve got a customer review section, where you can check out how NAB customers rate their car insurance on things like policy coverage, customer service and price. 

How to make a claim

Your NAB car insurance cover is actually handled by Allianz, so when you make a claim, that’s who you’ll mainly be dealing with. You can claim by filling out an online form, or by giving the Allianz claims hotline a call.

When you go to make a claim, make sure you have a few things handy, including:

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