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Comprehensive Insurance

This is the highest level of cover we provide. It covers your own vehicle if it is damaged or stolen in addition to the damage caused to someone else’s property, no matter who’s at fault.


What's included

  • Accidental loss of or damage to your vehicle

    We will cover you for accidental loss of (including theft) or any other type of accidental damage that happens to your vehicle during the period of insurance.

  • Emergency accommodation and travelling expenses

    We will pay for any reasonable additional travel or accommodation expense incurred by you as a result of a covered accident for up to $1,000 if your vehicle was more than 100km from home.

  • New for old replacement of a new vehicle after a total loss

    If your vehicle is a total loss, along with being purchased as new or a demo and it's less than 2 years old from its first registration, we will replace it with a new vehicle of the same make, model, engine size, features and paint type including any modifications, options and accessories, so long as it is available in Australia. 

  • Legal liability of up to $20 million

    We will cover your legal liability to pay compensation for loss of or damage to someone else’s property which is caused by a motor vehicle accident which is partly or fully your fault.

  • Temporary cover on replacement vehicle

    If you replace your vehicle and don't advise us, we will cover the replacement vehicle for up to 14 days at market value.

Additional benefits

  • Personal items in your vehicle, up to $1,000
  • Rental car after theft of your vehicle, up to $100 per day for up to 30 days
  • Transportation costs if your vehicle cannot be driven home after an accident up to $500
  • Reasonable cost of towing after a covered incident
  • Lock re-keying / re-coding up to $1,000 if vehicle keys stolen
  • Cover for the cost of emergency repairs up to $500
  • Trailer and Caravan cover for the lesser of $1,000 or market value
  • Replacement of any child seat or baby capsule in your vehicle up to $500

Upgrade your cover

Nil excess for windscreen claims

Removal of basic excess for windscreen claims if the broken windscreen is the only damage to your vehicle - 1 replacement and 2 repairs in any period of insurance

Rental car following an accident

We will provide you with a rental or loan car for an accepted claim for accidental damage for a maximium of 30 day at up to $100 per day. Additionally we will reimburse you up to $3000 for any excess or security bond due to loss or damage of the rental car.

Tools of trade

Cover for your tools of trade, stock and materials in the event of theft via forcible and violent entry to your securely locked vehicle and/or tool box, permanently fixed to your vehicle or a motor vehicle collision of up to $3,000.

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) (PDF 115KB) and the Premium, Excess, Discount and Options Guide (PED) (PDF 1MB) (PDF 1MB).


Save up to 15%* with Comprehensive Car Insurance online

Eligible safe drivers can save up to 15% in the first year when buying a new comprehensive car insurance policy online.

Why choose Westpac Car Insurance

Choice of repairer

You can choose your own repairer, at no extra cost1

24/7 claims lodgement

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^

Named Driver Option

You may be able to save on your premium when you select the named driver option and list all your drivers on the policy3

Things you should know

Cover is subject to your application for insurance being accepted.

*Save up to 15% on Comprehensive Motor Insurance is a combination of two discounts: 10% on your first year’s premium when buying a new policy online, and 0-10% Safe Driver Discount (SDD), based on the driving history of all drivers named on the policy. Save up to 15% discount is based on data which shows a substantial proportion of customers will receive a 5% SDD on their premiums. If you are eligible for more than one discount, we apply each of them in a predetermined order (excluding taxes and government charges). This means the effect of applying any subsequent discount will be reduced. For example, the combined effect of applying two 10% discounts consecutively means you will not see the full benefit of both discounts. Discounts may be subject to rounding and only apply to the extent any minimum premium is not reached. Promotional or other discounts may apply from time to time for customers who apply for insurance via other methods. Discounts do not apply to the premium for optional covers. If you would like more information, please refer to the Product Disclosure Statement (PDF 115KB) for further details.

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

1. Allianz may authorise repairs by your chosen repairer or pay your reasonable repair costs or the car's agreed or market value.

2. Reduce 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). 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, each of them are applied 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.

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.

By clicking on Get a quote you will enter a third party site hosted by Allianz. Any personal information you provide to Allianz’s hosted site will be collected, used and disclosed in accordance with Allianz’s Privacy Statement and Privacy Policy.

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

View the  Westpac Retail and Business Banking Financial Services Guide, Credit Guide and Privacy Statement (PDF 89KB).