We’ve got you covered
Three levels to suit you
Choose the one that’s right for your lifestyle and budget.
We guarantee authorised repairs to your vehicle for as long as you own it.
Flexible payment options
Pay for your cover with one lump sum or through regular installments.*
Emergency transport and accommodation cover as standard
Whatever level of cover you choose, help is only ever a phone call away.
|Comprehensive||Third Party Property, Fire & Theft||Third Party Property Only|
|Lifetime guarantee on repairs for as long as you own the vehicle|
|Lump sum or installment payments*|
|New car replacement|
|$1,000 cover (limit 14 days) for vehicle hire following theft|
|Emergency transport and accommodation cover|
|$100 per day up to $200 in total|
|Personal effects cover in the event of a collision (excludes theft or forced entry)|
|Up to $250|
|$3,000 cover for Uninsured Motorists Extension (no fault accident with uninsured vehicle)|
|Damage to a trailer belonging to you in the event of a collision|
|Up to $500|
|No Claim Discount is preserved when third party is identified and at fault|
|Optional extras* - You also have the option to extend your cover further with the below optional extras.|
|Agreed value or Market value|
|No claim discount protection|
|Windscreen excess reduction|
|Accident hire car benefit|
|Restricted driver discounts|
|Variable excess to reduce premium|
This is a brief summary only. Terms and conditions apply.
* Additional charges may apply
Didn’t find what you were looking for?
Protect your pride and joy in 3 simple steps
Choose your cover
Take a look at our different levels of cover and select the one that’s right for you.
Give us your details
Tell us more about yourself and your vehicle, and we’ll give you a quote.
Hit the road
Your cover kicks in the moment we receive your repayment.
Need to make a claim?
Frequently asked questions
Application and policy details
You can get a quote and purchase a car insurance policy online here and follow the prompts.
Latitude's car insurance policies are underwritten by Auto & General Insurance Company Limited (Auto & General). Auto & General is an Australian Insurer authorised to conduct insurance business in Australia by the Australian Prudential Regulatory Authority (APRA). Auto & General is a member of the Insurance Council of Australia and participates in the General Insurance Code of Practice.
If you are having trouble with your online purchase of car insurance, then give one of the helpful call centre staff a call on 1800 454 232 and they will assist you. The car insurance call centre is open Monday to Friday between 8.00am and 8.00pm (EST) and Saturday 8.00am to 5.00pm (EST).
Car insurance premiums are calculated based on the level of 'risk' the insurance underwriters associate with you and your car. So simple factors that differentiate you and someone else contribute to the assessment of 'risk'. Risk is primarily affected by the make and model of the car, the age of the driver/s and the driver's history, as well as residence. For example, not all insurers treat each suburb the same. In addition where you park the car at night will often affect your premium. Your driving history and the frequency of claims are also considered carefully. Underwriting offered through Latitude car insurance is more comprehensive than most other car insurers. This means good drivers can be offered highly competitive rates.
No claim discount
A No Claim Discount is a discount on your car insurance premium. Your No Claim Discount is calculated on your years of driving experience and your claims record. It means as you gain more years of claim free driving experience you receive a discount from the full priced premium until it reaches a maximum discount (also known as Rating 1), as it is believed you are less likely to make a claim than a less experienced driver.
It is a discount on your car insurance premium. Your No Claim Discount is calculated on your years of driving experience and your claims record. It means as you gain more years of claim free driving experience you receive a discount from the full priced premium until it reaches a maximum discount (also known as Rating 1), as it is believed you are less likely to make a claim than a less experienced driver.
They are different terms for a scale that insurers use to rank your driving history and risk. Rating 1, NCD and NCB, all refer to a discount that is applied to the full premium.
You can protect your Rating 1 (maximum No Claims Discount (NCD)) by selecting our NCD protection option. This allows you to have 1 car insurance claim per 12-month period of having a Latitude car insurance policy, or up to 2 claims in 3 years without affecting the Rating 1. If you have NCD protection on a Latitude car insurance policy for 2 consecutive claim free years, you will qualify for a Rating 1 for life. (Which means all car insurance claims have no effect on your NCD for as long as you have NCD protection). However, you will not lose any NCD on renewal following a window glass claim, or if the other vehicle in a collision is entirely at fault and the driver is identified. For other claims, your NCD may be reduced at renewal.
Making a claim
You can make a claim by using our online claim form; or download, print out a claim form, complete it and send it back to us by fax or post. You can also call our claims team on 1300 885 996. They’re available to help Mon-Fri 8am-6pm (AEST) Sat 8am-2pm (AEST).
This is called non-disclosure and affects an insurer's ability to accurately assess your risk or calculate the correct premium. It can lead to a claim being paid only in part, or not paid at all and/or your policy being cancelled.
Personal effects are your personal belongings that are in your car at the time of an accident. If you have comprehensive car insurance cover with Latitude, cover is provided for damage to your personal effects resulting from a collision involving your car. Limits do apply.