Westpac Car Insurance

Choose your own repairer and access 24/7 dedicated claims support when you take out Westpac Car Insurance cover.

Whether you’re looking for comprehensive protection or just a basic level of cover, Westpac Car Insurance offers a range of policies to help keep you on the road. With three levels of cover available, Westpac provides flexible discount options, the freedom to choose your own repairer, and a 24/7 claims service to help you get moving again as quickly as possible.

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What policies are available?

Comprehensive cover

Westpac Car Insurance’s comprehensive cover offers protection against loss or damage caused by accidents, fire, storm, theft, vandalism and more. Authorised repairs are guaranteed for as long as you own the car, while new for old replacement is provided if your vehicle is less than two years old and is a total loss. Other benefits include cover for emergency repairs, personal items and accidental death, while you can also take advantage of $20 million liability cover when you cause loss or damage to someone else’s property.

Third party fire and theft cover

Providing cover for loss or damage resulting from fire or theft, this policy covers your vehicle’s market value up to a maximum of $5,000. You’re covered for towing costs after fire or theft and a hire car after theft, while $20 million liability cover offers protection when you cause loss or damage to someone else’s property. $5,000 cover for uninsured motorist damage is also included.

Third party property damage

The most affordable of Westpac’s Car Insurance policy options, third party property damage provides protection for up to $20 million of legal liability when you’re involved in an accident that causes loss or damage to someone else’s property. In addition, cover is also available if your car suffers loss or damage in a no-fault accident with an uninsured vehicle.

Westpac Car Insurance levels of cover

Comprehensive cover

    • Covers accidents, fire, theft, storm, vandalism and more
    • New for old replacement on vehicles less than two years old
    • 10% discount when you buy online
    • Up to 65% no-claim bonus discount
    • Freedom to choose your repairer
    • Repairs guaranteed for as long as you own the car
    • Optional windscreen cover
    • $20 million liability cover
    • 24/7 claims support
    • Flexible premium payment options

Third party fire and theft cover

  • Covers loss or damage caused by fire and theft
  • Towing costs
  • Hire car after theft
  • Freedom to choose your repairer
  • Repairs guaranteed for as long as you own the car
  • $20 million legal liability cover
  • 24/7 claims support
  • Flexible premium payment options

Third party property damage

  • $20 million legal liability cover
  • Cover for uninsured motorist damage
  • 24/7 claims support
  • Flexible premium payment options
  • 14-day money-back guarantee

What won't be covered?

There is no cover available for a claim under your Westpac Car Insurance policy if:

    • Your car was being driven by an unlicensed driver or someone whom the insurer has declined to cover
    • Your car was being driven by someone who was under the influence of alcohol or drugs
    • Your vehicle was carrying more people or a larger load than the legal limit
    • Your car was being driven while in an unsafe or unroadworthy condition
    • Your car was being used to carry passengers for hire, fare or reward
    • Your car was being used for any motor sport or a driver education course involving speeds greater than 100km/h
    • Your vehicle was being used in connection with the motor trade for demonstrations, experiments, tests or trials
  • Your vehicle was subjected to a deliberate, intentional, malicious or criminal act by you, anyone named in the policy schedule, or anyone else acting with your consent
  • It is for any loss of use of your vehicle
  • It is for tyre damage caused by braking or road punctures or bursts
  • It results from the lawful seizure of your vehicle
  • It is for loss or damage that occurs after an accident, theft or breakdown unless you have taken reasonable steps to protect your vehicle
  • Your vehicle was stolen after you left it unattended with the keys inside
  • It is caused by the failure of computer equipment

What excess will be charged?

You will usually have to pay an excess when you make a claim on your policy. The following excesses may apply:

    • Basic excess. The first amount you must pay on each claim, the basic excess may vary if you choose to add a voluntary excess in return for cheaper premiums, or if the insurer imposes an additional excess due to high risk factors.
    • Age excess. This excess is payable when you make a claim for an incident that occurred when your vehicle was being driven by someone under 25 years of age.
    • Undeclared young driver excess. If you make a claim for an accident that occurred when your vehicle was being driven by someone under 25 years of age who was not listed on your policy schedule, you will need to pay this excess.
    • Inexperienced driver excess. The inexperienced driver excess applies when, at the time of an accident, your car was being driven by someone 25 years of age or older who had not held their current licence for at least two consecutive years.
  • Theft excess. This excess is payable when you make a claim for loss or damage caused by the theft or attempted theft of your vehicle.
  • Driver excess. A special excess may apply to specific drivers listed on your policy.
  • Unnamed driver excess. If you choose the named driver option, this $2,500 excess applies when you claim for an accident that occurred when your car was being driven by someone who is not listed as a named driver.
  • Restricted driver excess. If you choose the restricted driver option, this $2,500 excess applies when someone under 25 years of age was driving your car at the time of the incident.

How can I save on my policy?

There are several steps you can take to lower the cost of your Westpac Car Insurance policy, such as:

  • Choose a higher excess. By adjusting your excess to a higher level, you will be rewarded with a lower premium.
  • Buy online. You can save up to 10% when you purchase your Westpac comprehensive Car Insurance policy online.
  • Restrict drivers. You can enjoy further savings by restricting cover to drivers 25 years of age or older.
  • Cover named drivers only. You can also lower the cost of cover if you only purchase cover for drivers listed in your policy.
  • Drive safely. As well as a maximum no-claims bonus of 65%, eligible drivers can also take advantage of an additional safe driver discount.

Making a Claim

If you need to lodge a claim on your Westpac Car Insurance policy, you can claim online at any time. A 24/7 phone claims service is also available if you would prefer to be talked through the claiming process.

You’ll need to have your policy number ready when you make a claim, as well as details of the incident that occurred. Gathering details from any other drivers and witnesses involved in an incident, as well as obtaining a police incident report number where applicable, are also essential steps.

Some final questions you might have

If you’re looking for cover for your set of wheels, Westpac Car Insurance is certainly worth considering. See how it compares to policies from a range of other Australian insurance providers to decide whether it’s the right cover to help keep you on the road.

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