Comprehensive Car Insurance
Cover from your bumper to your boot, even if you’re at fault.
What is Comprehensive Car Insurance?
Westpac Comprehensive Car Insurance provided by Allianz covers your car if it's damaged, even if you're at fault, or if it's stolen.
Why Westpac?
One less step
Sort out your insurance and banking together.
Flexible payment options
No extra cost to pay by the month so you can better manage your budget.1
All in one place
See your insurance policies next to your bank accounts in the App.2
Any driver cover
Cover for anyone you let drive your car, so long as they’re legally allowed to drive.3
Benefits for you
Choice of repairer
Legal liability cover of up to $20 million
Accidental loss of or damage to your vehicle
Emergency accommodation and travelling expenses
Replacement of a new vehicle
Baby capsule and child seat replacement
Named Driver premium reduction
Reduce your premium by listing your drivers on your policy.5
Already started a quote? Retrieve your quote
Boost your cover with optional extras
For an additional premium, you can add No excess for windscreen claims, Rental car following an accident6, or Tools of the trade, and tailor your cover to suit your needs.
Check Understanding your Car Insurance cover for more information.
Already started a quote? Retrieve your quote
The details on what’s covered
Unsure about what’s included in Third Party Property Damage Car Insurance? Don’t worry, find what you need here.
For full details of the terms, conditions, limits and exclusions that apply please read the Product Disclosure Statement (PDS) (PDF 375KB) before making a decision to purchase the insurance.
Frequently asked questions
Comprehensive Car Insurance offers either agreed value or market value cover.
- "Agreed value" is the specified amount Allianz agrees to insure your vehicle up to, as shown in your policy schedule.
- "Market value" is the cost to replace your vehicle with a vehicle of the same make, model, age and condition as your vehicle immediately prior to the loss or damage. It excludes costs and charges for vehicle registration, compulsory third-party insurance, stamp duty transfer, dealer warranty costs, transfer fees and dealer delivery.
To determine the market value, Allianz may refer to an accepted motor vehicle valuation guide used by the motor industry. In addition, to determine the market value, Allianz will look at things such as:
- local market prices,
- your vehicle’s condition, and
- modifications, options or accessories that are attached to your vehicle and shown on the policy schedule.
Opting to increase your basic excess may reduce your premium for Comprehensive Car Insurance. The basic excess is the amount you need to pay as a contribution to each claim.
You may also be able to save on your premium when you select the Named driver option and list all your drivers under a Comprehensive Car Insurance policy.5
An excess is the amount you may need to contribute towards a claim. It can be payable whenever you are the at fault driver or if the at fault driver’s details are incorrect, unavailable or you’re unable to get them at the time of the incident. The amount of the excess can vary depending on factors such as the age of the driver or whether the driver is listed on your policy. More than one excess may apply. You may choose to add the option to remove the excess for windscreen claims for an additional fee.
Allianz can assist you in selecting a suitable repairer to fix the damage to your vehicle; however, you can also choose your own repairer.4
In both instances Allianz will work closely with you and the repairer to strive to achieve the best repair outcome. However, if you choose your own repairer, Allianz may request a second quotation from a repairer chosen by them.
Allianz guarantees materials and workmanship on the repairs Allianz authorises as long as you own or lease your vehicle. This guarantee is not transferable.
If you have Comprehensive Car Insurance and Allianz accepts your claim, they will provide you with a rental car if your car is stolen.
For an additional premium, you can add a benefit to your Comprehensive cover to provide you with a rental car if your car is damaged in an accident.6
A rental car will be provided for up to 30 days at up to $100 a day and this may be extended if Allianz causes or contributes to the delay in repairing your car.
Always check with Allianz before arranging your own rental car as they may not cover a car you arrange.
Comprehensive Car Insurance pays up to $1,000 per claim towards the repair or replacement of personal items belonging to you, your spouse, your de facto and dependent children which are:
- damaged in a collision involving your vehicle,
- stolen from your vehicle which was locked, or
- stolen at the same time as your vehicle.
Help when you need it
Things you should know
If you are eligible for more than one discount, Allianz applies them in a predetermined order. This means any subsequent discount will be applied to the reduced premium amount after applying any prior discounts and the effect of the subsequent discount will be reduced. For example, the aggregate effect of applying two 10% discounts consecutively means that you will not see the full benefit of both of these discounts. Discounts do not apply to taxes or government charges. Discounts may not apply to optional covers selected. Any discounts or entitlements may be subject to rounding. Most discounts won’t apply below the minimum amount payable for the policy.
1Pay by instalment at no additional cost compared with paying annually. Instalments may be subject to minor adjustments due to rounding. Note: Your financial institution may apply transaction fees to instalment payments.
2Policyholders need to ensure their personal details on their policy match with their Westpac accounts. Only primary policyholders can see policies alongside their other Westpac accounts.
3Driver exclusions apply if the driver is unlicensed, is not following the conditions of their license, refuses a drug or alcohol test, is under the influence of drugs or exceeds the legally allowed alcohol limit. Refer to the Product Disclosure Statement (PDS) (PDF 375KB) for full driver, usage and other policy exclusions as set out in the "What's not covered" section. An additional excess applies to drivers under 25.
4Allianz may agree with you to use a repairer (other than the one you selected) or pay you reasonable repair costs. Allianz will act reasonably in doing so.
5Reduce your premium by listing your drivers. 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).
6Allianz will arrange a rental car of a similar size and type to your car after a covered collision for a maximum of 30 days while Allianz either fixes your car, pays you the cost of repairs, or determines if your car is a total loss. If a rental car of a similar size and type (e.g. medium SUV) is not available, Allianz will pay you a travel allowance of $50 a day.
Any financial product advice provided on this page is general in nature and does not take into account your personal circumstances. Before making a decision, please consider the relevant Product Disclosure Statement (PDS), supplementary PDS (if applicable), Premium, Excess, Discount and Options Guide (PED) (PDF 81KB) and Target Market Determination (TMD).
Motor Insurance is issued by Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 (Allianz). Westpac Banking Corporation ABN 33 007 457 141 AFSL 233714 (the Bank) arranges the initial issue of the insurance under a distribution agreement with Allianz but does not guarantee the insurance.
By selecting 'Get a quote' you will enter a third-party site hosted by Allianz. Any personal information you provide to Allianz will be collected, used and disclosed in accordance with Allianz's Privacy Statement and Privacy Policy available on their website.
If you purchase Motor Insurance with Allianz the Bank will receive a commission of up to 12% of the premium excluding Government fees and charges, plus GST.
Westpac's Privacy Statement is available at westpac.com.au/privacy/privacy-statement or by calling 132 032 8am - 8pm Sydney time, 7 days. It covers:
- 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.