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Our comparison table provides a summary of the key features and benefits which can help assist in finding car insurance that may suit your needs.

This is a summary only. For the standard terms, conditions, limits and exclusions of cover, please refer to the Product Disclosure Statement (PDS) (PDF 115KB) and the Premium, Excess, Discount and Options Guide (PED) (PDF 149KB).


Comprehensive Cover

Third Party Property Damage Cover

Key Benefits The highest level of cover we offer for your vehicle which provides cover for fire, theft, accidents and malicious damage. It also covers your legal liability for loss or damage to someone else's property caused by a motor vehicle accident which is partly or fully your fault. Cover if you damage other people's property and you're legally liable for accidental property damage.
Accidental loss of or damage to your vehicle    
New replacement car if your new car (less than two years old from original registration) is a total loss #Conditions apply. Please refer to the PDS
Cost of emergency repairs after a covered accident Up to $500  
30 day car rental following theft Up to $100 per day for up to 30 days
Child seat or baby capsule Up to $500  
Legal liability up to $20 million    
Personal effects and clothing damaged in an accident or stolen from your locked vehicle Up to $1,000  
Emergency accommodation and travelling expenses Up to $1,000 if more than 100km from home  
Transportation costs if your vehicle cannot be driven home after an accident Up to $500  
Reasonable cost of towing after a covered incident
Legal liability cover up to $20 million when using a substitute vehicle    
Legal costs in defending claims covered by the policy    
Trailer and Caravan cover Lesser of $1,000 or market value  
Lock re-keying / re-coding Up to $1,000  
Loss or damage to your car caused by an at fault uninsured driver   Up to market value of $5,000
Temporary cover on replacement vehicle - 14 days
Optional cover you can add    
Rental car after accident Up to $100 per day for up to 30 days  
Cover for tools of trade Up to $3,000  
Removal of basic excess for 1 windscreen replacement and 2 repairs in each period of insurance    
Ways to Reduce Your Premium    
Named driver option##    

## In this circumstance, a corresponding excess will apply if a claim is made for an accident when the relevant condition was not satisfied (e.g. an unnamed driver was driving the car at the time of a covered accident).


  • Claim online at any time
  • Call 7 days a week on 1800 502 077

All you need to do is complete the online claim form. Once it is lodged, a friendly claims consultant will contact you as soon as possible.

  • Secure form
  • No phone queue
  • Immediate confirmation number for your reference


If your car is stolen or maliciously damaged - call the police. 

If you're involved in an accident

  • Call 1800 502 077 as soon as possible

  • Take all reasonable steps to prevent any further loss or damage from occurring

  • Don’t admit to anyone involved that you were at fault;

  • Write down the full names, addresses and phone number of all drivers, passengers and witnesses involved; and

  • Write down the vehicle registration numbers and insurance details of all vehicles involved and gather any other evidence or information to support your claim (such as medical certificates and reports).

Note: After an accident, it’s a good idea to note the name of the police officer and police station where you made the report, obtain the police event number and the details of those involved in the accident as they may be needed during the processing of any claim.   

Need help with your claim?

Simply call 1800 502 077.

Things you should know

Cover is subject to your application for insurance being accepted.

1 Up to 25% discount is a combination of three discounts: up to 10% discount for buying online, up to 10% Safe Driver Discount for eligible drivers and up to 5.8% discount when selecting the Named Driver Option and listing all your drivers on the policy. These discounts do not apply to Third Party Property Damage policies. If you choose to reduce your premium by naming drivers on your policy, an unnamed driver will incur a $2,500 excess (this replaces the basic and all other excesses where applicable).

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.  The online discount applies to new Comprehensive Motor Insurance policies only.   Any online discounts offered are applied to our standard rates (excluding optional covers) and are for the first year’s premium only (unless otherwise stated).  Promotional or other discounts may apply from time to time for customers who apply for insurance via other methods.

2 Premiums payable by instalments may be subject to minor adjustments due to rounding and financial institution transaction fees may apply.

3 Safe Driver Discount applies to Comprehensive Motor Insurance policies only. Any discount entitlement is determined by the insurance history and driving history of all drivers on the policy and the number of claims made by them. If eligible, the maximum Safe Driver Discount that may be applied on new policies is up to 10%.  

Westpac Motor Insurance is issued by Allianz Australia Insurance Limited ABN 15 000 122 850 (Allianz). Westpac Banking Corporation ABN 33 007 457 141 arranges the insurance as agent of Allianz, but does not guarantee the insurance. Policy terms, conditions, limits and exclusions apply. This information does not take into account your personal circumstances. Read the Product Disclosure Statement (PDS) (PDF 115KB) and the Premium, Excess, Discount and Options Guide (PED) (PDF 149KB). Call 1800 502 077 if you would like to understand more about our new car insurance product features.

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