Skip to main content Skip to main navigation
Skip to accessibility page Skip to search input

Win a year of mortgage or rent payments

Take out a new home, contents, landlord or car insurance policy by 24 June 2018 for your chance to win a year of mortgage or rent payments up to $50,000^.


 


Why choose Westpac?

  • Buy online and save up to 25% off your premium for the first year when you combine home and contents insurance 1
  • Choose from 3 cover levels so you can get the protection that’s right for you
  • Our cover comes with a safety net in case repair or replacement costs are higher than expected 2
     

Peace of mind

We cover a wide range of events – storms, floods, fire, theft and more

Emergency accommodation

If your home becomes unliveable, we provide emergency accommodation

24/7 claims support

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 for no extra fee


What level of cover would you like?

Choose from 3 levels of cover

Below is a summary of each cover level. For full details of the terms and conditions, limits and exclusions, read the Home and Contents Insurance Product Disclosure Statement (PDS) (PDF 11MB).


After an insured event (and sometimes even without one), related expenses and extra benefits are automatically covered.

Home building benefits paid in addition to your building sum insured

Benefits Essential Care
Quality Care
Premier Care
Sum insured safety net Up to 10% of the sum insured Up to 20% of the sum insured Up to 30% of the sum insured
Demolition and removal of debris Up to 10% of the sum insured Up to 10% of the sum insured Up to 10% of the sum insured
Emergency accommodation Up to $10,000 Up to 10% of the sum insured or for up to 12 months whichever is less Up to 10% of the sum insured or for up to 12 months whichever is less
Rainwater tanks and solar heating

 

Up to $3,000 Up to $5,000
Building modifications for paraplegia or quadriplegia   Up to $5,000 Up to $10,000

Home building benefits paid as part of your building sum insured

 
Benefits Essential Care
Quality Care
Premier Care
Emergency repairs and protection      
Professional fees Up to 10% of the sum insured Up to 10% of the sum insured Up to 10% of the sum insured
Building laws and regulations Up to 10% of the sum insured Up to 10% of the sum insured Up to 10% of the sum insured
Fire brigade and services charges Up to $5,000 Up to $5,000 Up to $5,000
Mortgage discharge      
Unsecured renovation materials   Up to $1,000 Up to $2,000
Purchasing a home   Up to $20,000 Up to $20,000
Gardens and landscaping     Up to $10,000

Other building benefits

Benefits Essential Care
Quality Care
Premier Care
Sum insured automatic indexation      
Locks and keys   Up to $1,000 Up to $2,000

Contents benefits paid in addition to your sum insured

Benefits Essential Care
Quality Care
Premier Care
Sum insured safety net Up to 5% of the sum insured Up to 10% of the sum insured Up to 20% of the sum insured
Removal of debris Up to 10% of the sum insured Up to 10% of the sum insured Up to 10% of the sum insured
Emergency accommodation Up to $5,000 Up to 10% of the sum insured or 12 months whichever is less Up to 10% of the sum insured or 12 months whichever is less
Emergency accommodation for pets   Up to $5,000 Up to $5,000
Funeral expenses   Up to $10,000 Up to $15,000

Contents benefits paid as part of your sum insured

Benefits Essential Care
Quality Care
Premier Care
Contents moved permanently to a new property Up to the sum insured Up to the sum insured Up to the sum insured
Contents in a commercial storage facility

 

Up to the sum insured Up to the sum insured
Contents temporarily removed to other places in Australia

 

Up to 20% of the sum insured Covered under accidental loss or damage
Emergency storage of contents

 

Up to 10% of the sum insured or for up to 12 months whichever is less Up to 10% of the sum insured or for up to 12 months whichever is less
Fire brigade and services charges Up to $5,000 Up to $5,000 Up to $5,000
Contents in the open air at the site

 

Up to $2,000 for storm, flood, theft and up to 20% of the sum insured for other insured events Covered under accidental loss or damage
Computer records

 

 

Up to $3,000

Other contents benefits

Benefits Essential Care
Quality Care
Premier Care
Sum insured automatic indexation  

 

 

Frozen food loss   Up to $500 Up to $2,000
Credit card loss   Up to $1,000 Up to $5,000
Contents in transit  

 

Up to 20% of the sum insured
Veterinary expenses  

 

Up to $500

Your building and contents are covered up to your chosen sum insured, except for the contents listed below, which are covered up to the maximum amounts shown.

Contents with limits Essential Care
Quality Care
Premier Care
Jewellery and watches Up to $500 per item/ up to $3,000 per claim Up to $1,000 per item/ up to $5,000 per claim Up to $5,000 per item/ up to $20,000 per claim
Sporting equipment (excluding bicycles) Up to $2,000 No limit No limit
Bicycles Up to $1,000 Up to $1,500 Up to $2,000
Electronic audio, visual and computer equipment Up to $3,000 No limit No limit

You can cover the items above for higher values by adding Personal Valuables cover.


Contents with limits Essential Care
Quality Care
Premier Care
Artworks, collections and collectibles Up to $3,000 Up to $10,000 Up to $20,000

You can cover the items above for higher values inside your home by listing them within your Contents Cover (include their total value in your contents sum insured).
 

Contents with limits Essential Care
Quality Care
Premier Care
CDs, DVDs, videos, Blu-ray discs, computer games and software Up to $1,000 No limit  No limit 
Unset stones and unattached charms Up to $500 Up to $1,000  Up to $2,000
Unattached accessories and parts for motor vehicles and marine pleasure craft

 

Up to $750 Up to $1,000
Money and other negotiable financial documents

 

Up to $750 Up to $1,250
Documents

 

Up to $1,000 Up to $2,000
Property belonging to visitors

 

Up to $2,000 Up to $5,000 at the site
Home office equipment

 

Up to $10,000 Up to $15,000 at the site/ up to $5,000 elsewhere in Australia
Tools and equipment of trade

 

Up to $2,000 Up to $3,000 at the site/ up to $1,000 elsewhere in Australia

Limits on the items directly above can't be increased.

Add optional Personal Valuables for special items to give you extra cover beyond the standard limits – for theft or accidental loss or damage at your home, elsewhere in Australia, and anywhere in the world for up to 90 days.

There are 3 ways to cover personal valuables:

  • Specified (list specific items with an individual sum insured)
  • Unspecified (any items from the list below which are covered for up to your chosen limits of cover as listed on your policy schedule. You can choose from various levels of cover up to $7,500 in total)
  • Combination of both.

Personal valuables items

Clothing and other personal items

  • Clothing, toiletries, cosmetics
  • Jewellery and watches including SmartWatches (but not unset gems, stones or unattached charms)
  • Sunglasses, spectacles, contact lenses
  • Wallets, purses, handbags, travel bags, luggage
  • Dentures, hearing aids, walking sticks, crutches.
     

Electronic equipment

  • Mobile telephones, electronic diaries and devices and their associated accessories
  • Photographic equipment, video cameras, binoculars, telescopes
  • Laptops, mobile and portable computing devices and portable data storage devices, calculators, and personal handheld navigational equipment
  • Portable battery operated radio, sound and visual entertainment devices
  • Portable shavers, portable hair styling equipment.

 

General household items

  • Books, pens, compendiums
  • Musical instruments
  • Prams, strollers, baby capsules, carriers.


Sporting goods

  • Non-motorised sporting equipment, including bicycles (but not firearms)
  • Non-motorised water craft up to 4m in length (surfboards, sail boards, surf skis, canoes and kayaks)
  • Portable camping and fishing equipment, picnic sets, travel blankets.

There's no extra fee to pay monthly, and you can save on your premium if you qualify for one or more of these discounts:

  • No claim bonus
  • Combined policy discounts: Building + Contents
  • If you have a Westpac Premier Advantage Package home loan (please call or visit us to receive this discount).

 

Your online quote will automatically include the discounts you're eligible for, unless otherwise stated above.
The cost of your premium is made up of a wide range of factors and some of your choices may also help reduce your premium.


Generally speaking, here's how your choices may affect your premium:

  • Choosing a voluntary claim excess. The higher the voluntary claim excess chosen, the lower your premium: $250, $500, $1,000, $2,000, $5,000
  • Choosing a lower level of cover e.g. the premium for Quality Care is less than Premier Care
  • Your home security features (contents premium):
    • Deadlocks, key operated window locks, security grills or bar
    • Local or back-to-base alarm

Buy online and save up to 25%

Buy online and save 25% off your premium when you combine home and contents insurance1.

Get a quote

Things you should know

Cover is subject to your application for insurance being accepted.
 

^ For eligible policies which are purchased and current between 12am AEST on 07/05/2018 and 11.59pm AEST on 24/06/2018, up to the maximum value of $50,000. Winner will be drawn at random on 06/07/2018 at 11am AEST at Level 11, 200 Barangaroo Avenue, Barangaroo, NSW 2000. Documentation must be provided to show proof of your loan or rent payments. Authorised under trade promotion permits: ACT Permit No 18/00634, SA Permit No T18/575, NSW Permit No LTPS/18/23393. Please see full terms and conditions or you can ask in branch for details.

1 Buy online and save 15% off your annual premium for the first year with promotional code COVER. Plus, save another 10% when you combine home and contents at the same address under the one policy.

2 Safety net of between 5% and 30% of your sum insured, depending on your type of cover.
 

Westpac Retail and Business Banking Financial Services Guide, Credit Guide and Privacy Statement (PDF 102KB)

Home and Contents Product Disclosure Statement (applicable to policies initially issued on or after 26 October 2015 or current policies last renewed on or after the 08 August 2016) (PDF 11MB)
 

View the Home and Contents Insurance Key Fact Sheets.

Home and Contents Insurance is issued by Westpac General Insurance Limited ABN 99 003 719 319 (except workers compensation cover where applicable). Westpac Banking Corporation ABN 33 007 457 141 distributes the insurance, but does not guarantee the insurance. This information does not take into account your personal circumstances. Read the Product Disclosure Statement (PDF 11MB) to see if this insurance is right for you.