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Understanding Car Insurance

Car insurance FAQs

Commonly asked questions about car insurance. 

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What if something happens to my car?

That depends on the type of cover. Find out the available options.

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Things you should know

3 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 353KB) and the Premium, Excess, Discount and Options Guide (PED) (PDF 81KB) to see if this insurance is right for you. Call 1800 502 077.


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 notice and Privacy Policy.


Westpac's Privacy Policy is available at westpac.com.au 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.