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Why choose Westpac Car Insurance

Westpac has a great range of features and benefits designed to suit customers with different needs.
We offer flexibility so you can choose to manage your car insurance in a way that suits you.

Choice of covers

Choose between Comprehensive and Third Party Property Damage cover

Choice of repairer

You can choose your own repairer, at no extra cost

24/7 claims support

We’ll do what we can to help support you every step of the way

Flexible payment options

Manage your budget – pay by the month at no extra cost^

Online Offer

New Comprehensive Insurance customers

Save with Comprehensive Car Insurance online

You can save up to 25% on your first years premium when you name your drivers and buy a new Comprehensive Car Insurance policy online*

Choose your car insurance cover

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 1MB).


Comprehensive Cover
Third Party Property Damage Cover
Legal liability up to $20 million    
Legal liability cover up to $20 million when using a substitute vehicle    
Legal costs in defending claims covered by the policy    

Choosing your own repairer


A Safe Driver Discount for eligible drivers#

Loss or damage to your car caused by an at fault uninsured driver   Up to market value of $5,000
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  
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
Trailer and Caravan cover Lesser of $1,000 or market value  
Lock re-keying / re-coding Up to $1,000  
Temporary cover on replacement vehicle - 14 days

Optional benefits for Comprehensive Cover

  • Rental car after accident, up to $100 per day for up to 30 days
  • Up to $3,000 cover for tools of trade
  • Removal of basic excess for 1 windscreen replacement and 2 repairs in each period of insurance
Things you should know

Cover is subject to your application for insurance being accepted.

* You can save up to 25% is a combination of three discounts: save up to 10% on your first year’s premium for buying a new policy online, save up to 10% Safe Driver Discount for eligible drivers and save up to 5.8% 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. Any online discount offered is applied to our standard rates. Discounts may not be applied to the premium for optional covers. The online discount applies to new Comprehensive Motor Insurance policies only in the first year (unless stated otherwise). Promotional or other discounts may apply from time to time for customers who apply for insurance via other methods. The Safe Driver Discount applies to eligible Comprehensive Motor Insurance policies only. Any discount entitlement is determined by the insurance and driving histories of all drivers on the policy and the number of claims made by them.


^ Premiums payable by instalments may be subject to minor adjustments (upwards or downwards) due to rounding and financial institution transaction fees may apply.


# 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 1MB) to see if this insurance is right for you. Call 1800 502 077 if you would like to understand more about Westpac Car Insurance product features.

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Westpac's Privacy Policy is available at or by calling 132 032. It covers:

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