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.
Conditions apply and so you should read the for full terms and conditions.
Third Party Fire & Theft Cover
Third Party Property Damage Cover
|Key Benefits||Insures your car for accidental damage or theft. You’re also covered if you’re legally liable for accidental property damage. This is our highest level of Car Insurance.||Cover if you damage other people's property and you're legally liable for accidental property damage. Insures your car if it's damaged by fire or stolen||Cover if you damage other people's property and you're legally liable for accidental property damage.|
|Accidental loss or damage to vehicle|
|New replacement car if your new car (less than two years old from original registration) is a total loss|
|Emergency repairs to get you home if your car is involved in an accident, is damaged or stolen||Up to $500|
|30 day car rental following theft||Up to $100 per day||Up to $100 per day|
|Child seat or baby capsule||Up to $500|
|Legal liability, including supplementary bodily injury up to $20 million|
|Loss or damage caused by fire or theft||Up to market value of $5,000|
|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|
|Towing costs following an accident|
|Towing costs following fire or theft|
|Legal liability up to $20 million for loss and damage while 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||Up to market value of $5,000|
|Optional cover you can add|
|Rental car after accident||Up to $100 per day for up to 30 days|
|Protected No Claim Bonus for 1st claim per period of insurance|
|Cover for tools of trade||Up to $1,500|
|Removal of basic excess for 1 windscreen replacement and 2 repairs in each period of insurance|
|Ways to Reduce Your Premium|
|Restricting drivers to over 30 years old (Optional)##|
|Having a named driver policy (Optional)##|
## In these circumstances, 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 where drivers are named on the policy).
- Claim online at any time
- Call 7 days a week on 1800 502 077
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 13% Safe Driver Discount and up to 5.8% discount for restricting cover to drivers aged 30 or over. The online discount does not apply to Third Party Fire & Theft and Third Party Property Damage policies.
Minimum premiums may apply. Any discounts or 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 discount on your premium, the discount is applied in a predetermined order. Discounts on premiums are applied before stamp duty (where applicable in your State or Territory) or before any other taxes and government charges are applied. Any online discounts offered are applied to the insurer’s standard rates (excluding optional covers) and are for the first year’s premium only (unless stated otherwise). The Safe Driver discount is available for eligible drivers only.
2 Premiums payable by instalments may be subject to minor adjustments due to rounding and financial institution transaction fees may apply.
3 No claim bonus discount amounts may vary from State to State.
4 Safe Driver Discount applies to new Comprehensive Westpac Motor Insurance policies only, and does not apply to Third Party Fire & Theft and Third Party Property Damage policies. To be eligible for a safe driver discount:
- The rateable driver must be aged 30 years and over;
- The insured (owner) must have held a maximum no claim bonus for the last five consecutive years; and
- All other nominated drivers have had no at fault claims for the last five years.
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 . Call 1800 502 077 if you would like to understand more about our new car insurance product features.
- How you can access the personal information Westpac holds about you and ask for it to be corrected;
- How you can complain about a breach of the Privacy Act 1988 (Cth) or a registered Code by Westpac and how Westpac will deal with your complaint; and
- How Westpac collect, hold, use and disclose your personal information in more detail.