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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. 

Conditions apply and so you should read the Westpac Motor Insurance Product Disclosure Statement (PDS) (PDF 738KB) for full terms and conditions.


Comprehensive Cover

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 Product Disclosure Statement (PDS) (PDF 738KB) . Call 1800 502 077 if you would like to understand more about our new car insurance product features.

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