Understanding Car Insurance
What do I need to know?
Owning a vehicle comes with a range of responsibilities, including making sure the vehicle, and the people and things inside it, are adequately protected should something happen like an accident or theft. Here we look at resources to help you be prepared for the ins and outs of car ownership.
Getting car insurance
Whether you’re buying a car, renewing your insurance or looking to switch insurers, these articles could help raise the comfort level on your insurance decisions.
Things to check at car insurance renewal time
Reviewing your car insurance could help ensure you’re adequately protected and uncover potential savings.
The essential guide to car insurance excess
Explore how car insurance excess works, different types of excess, and what to consider when making your choice.
5 things you may not know about insuring your car
Researching car insurance for the first time or need to renew your current insurance? Here are five things you might like to consider before making a decision.
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
Putting safety first
Explore some handy tips on how to avoid an accident and what steps to take if you’re involved in one and/or need to make a claim.
Safety tips for driving in the rain
It’s a well-known fact that wet weather can increase the risk of a motor accident. Adapting your driving to the conditions and staying focused could help you stay safe on the road.
What to do after a car accident
Your step-by-step guide to what to do after a car accident – including who to contact and what to record – to help ensure a smooth claims process.
Disaster preparation
Bushfires, storms and other natural disasters are a fact of Australian life. Being prepared can make a big difference to your home, vehicle and those you love.
Things you should know
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.
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.