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Car insurance FAQs

I know that my car is covered under a Westpac Comprehensive Car Insurance Policy, but what about personal effects in my car?

The insurer will pay for personal effects and clothing belonging to you, your spouse, your de facto or 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.

The insurer may choose to pay the amount of the loss or damage, or repair or replace the personal effect or item of clothing.

The maximum the insurer will pay in respect of any one accident or theft is $1,000.

Westpac Comprehensive Car Insurance offers either agreed value or market value cover.

"Agreed value" means the amount the insurer agrees to insure your vehicle up to as shown in your current schedule.

"Market value" means 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 but excluding costs and charges for vehicle registration, compulsory third party insurance, stamp duty transfer, dealer warranty costs or transfer fees.


To determine the market value, the insurer may refer to an accepted motor vehicle valuation guide used by the motor industry.


Opting to increase your basic excess can reduce your premium for Comprehensive Cover. An excess is the amount payable by you when making a 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 Westpac Comprehensive Motor Insurance policy.

The insurer can assist you in selecting a suitable repairer to repair the damage to your vehicle; however you also have the right to choose your own repairer.

In both instances the insurer will work closely with the repairer to strive to achieve the best repair outcome for you however the insurer may require a second quotation from a repairer chosen by them.

Guarantee and warranty for repairs

The insurer guarantees materials and workmanship on repairs the insurer authorises for as long as you own or lease your vehicle. This guarantee is not transferable.

Things you should know

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.

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 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.