Car Insurance: Make a Claim

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Or apply over the phone on 1300 467 872

We understand how stressful it can be when you need to make a car insurance claim, which is why we have set out the ways in which you can lodge a car insurance claim with your insurer.

I need to make a claim on my car insurance policy. What do I do?

If you purchased your car insurance through 1300 Insurance on or after 18th November 2017.


Your car insurance policy is underwritten by a leading insurance provider, Allianz. A convenient way to lodge a car insurance claim is via Allianz’s online claim form.

Once Allianz receives the completed online claim form, a friendly claims consultant from Allianz will contact you as soon as possible.

  • Secure form
  • No phone queues
  • Immediate confirmation number for your reference
  • You can submit your motor insurance claim notification 24 hours a day, 7 days a week

By phone

You can also lodge a claim by calling 1300 467 872, and a friendly claims consultant will help you with the claims process.

If you purchased your car insurance through 1300 Insurance before 18th November 2017.

If you need to make a claim on your car insurance simply call 1300 467 872 to lodge your claim.

Please have this information with you when you call:

  1. Your policy number
  2. Details of the incident (including the date and time it occurred)

You’ll also need to provide the following additional information:

  • Location of the incident - if possible the exact street address or any landmarks
  • Details of any other party involved (registration plus the full name, address and contact numbers)
  • Details of any witnesses
  • Details of any police or other emergency services that were involved
  • If your vehicle was towed from the scene, the current location of the vehicle and the towing company’s details

Please have a pen and paper handy, as your insurer may provide you with some important information that you will need to take note of.

Note: Unless you are the policy holder or a named person listed on the policy, your insurer may not be able to discuss the incident with you for privacy and security reasons.

Will I have to pay an excess if I make a claim on my car insurance?

Any excess which you have to pay on a claim will be set out in your policy documents.

Payment of an excess helps to reduce the number of small claims, so it’s one of the ways in which your insurer keeps the cost of your premium down. You may be able to lower the cost of your comprehensive car insurance by choosing a higher basic excess amount.1

The excess for each claim is determined by adding your basic excess and any other excess amounts applicable, depending on the type of cover you have taken out and the nature of the claim you are making.

Will I lose my No Claim Bonus (NCB)/ Rating level if I make a claim on my car insurance?

Your NCB / Rating level may reward you with a discount on your comprehensive car insurance premium. Your NCB / Rating level is based on the number of years of driving experience you and any other covered drivers have and the claims and insurance history of you and any other covered drivers. Each consecutive claim-free year will increase your NCB /Rating level up to a maximum amount.

If you make a claim:

  • for an accident which is your fault;
  • for an accident where the responsible party cannot be identified;
  • due to any storm, naturally occurring event or a collision with an animal; or
  • where your insurer is unable to recoup the expenses incurred in providing cover, your NCB / Rating level may be reduced by the equivalent of two claim-free years.

If you have a Rating 1 (maximum) NCB and have added the optional NCB protection to your policy, your NCB entitlement will not be reduced for the first claim you make in any one period of insurance which is your fault or where the responsible party cannot be identified.

How can I get my car repaired?

If the damage to your car is covered under your insurance policy, your insurer may choose to:

  • arrange for a selected repairer to repair your car (or you can choose your own repairer);
  • pay you the reasonable cost of repairing your car; or
  • pay out your claim as a total loss, up to the policy limit.

For more information about getting your car repaired, check out our accident repairs page.

1 Minimum premiums may apply. Any discounts/entitlements may be subject to rounding and only apply to the extent any minimum premium is not reached. If you are eligible for more than one, we also apply each of them in a predetermined order to the premium (excluding taxes and government charges) as reduced by any prior applied discounts/entitlements. Discounts may not be applied to the premium for optional covers.

1300 Insurance Pty Ltd ABN 50 124 845 727 AR Number 327609 is authorised to refer you to the insurer Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL No. 234708 (Allianz) and to provide written general advice on this insurance as the insurer’s agent. We do not provide any advice based on any consideration of your objectives, financial situation or needs. Terms, conditions, limits and exclusions apply. Before making a decision, please consider the Product Disclosure Statement available here.

If you purchase this insurance, we will receive a commission that is a percentage of the premium. We will also receive a percentage of the profit which exceeds the profit threshold on Home (excluding flood), Landlord (excluding flood), Motor, Caravan and Trailer and Commercial policies referred by us to Allianz (or renewed with Allianz) in each calendar year, provided that the relevant premium threshold is met. From 1 September 2018, we will also receive an annual marketing allowance from Allianz for promoting its products. This is calculated as a percentage of the premium on Home, Landlord, Motor, Caravan and Trailer and Commercial policies referred by us to Allianz in the previous 12-month period. Ask us for more details before we provide you with services.