Westpac Car Insurance

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 two levels of cover available, Westpac provides flexible policy options, the freedom to choose your own repairer and 24/7 online claims lodgement to help you get moving again as quickly as possible.

What policies are available?

Comprehensive cover

Westpac Car Insurance’s comprehensive cover offers cover for 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 and personal items, while you can also take advantage of up to $20 million liability cover when you cause loss or damage to someone else’s property.

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
• Third party property damage

What won't be covered?

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

Is this cover right for me?

Westpac has a number of eligibility requirements. For example, your vehicle will need to be roadworthy and registered with the relevant transport authority in Australia. The underwriter of this insurance, Allianz, specifies that the likely financial situation its products are suited to is as follows: "Persons who are able to pay premiums in accordance with the chosen premium structure, and any excess in the event of a claim in accordance with the chosen excess option."

It's important to read Westpac's Product Disclosure Statement (PDS) to determine if this car insurance will meet your needs and circumstances.

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:

How can I save on my policy?

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

• Choose a higher excess. By adjusting your excess to a higher amount, you will be rewarded with a lower premium.
• Cover named drivers only. You can also lower the cost of cover if you select the Named Driver option and name your drivers on the policy.

Making a Claim

If you need to lodge a claim on your Westpac Car Insurance policy, you can claim online at any time. A 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.

Why you can trust Finder's car insurance experts

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Unlike other comparison sites, we're not owned by an insurer. That means our opinions are our own and we work with lots of car insurance brands, making it easier for you to find a good deal.

We're here to help

Since 2014, we've helped 300,000+ people find car insurance by explaining your cover options, simply and clearly. We'll never ask for your number or email. We're here to help you make a decision.

Some final questions you might have

• Who issues Westpac Car Insurance policies?

  Westpac’s policies are issued by Allianz Australia Insurance Limited.

• How long is the cooling-off period?

  A 14-day cooling-off period applies to Westpac Car Insurance, which means you can cancel cover within 14 days of purchase and receive a refund of any premium you have paid if you have not made a claim on the policy.

• When are my premiums due?

  Premiums can be paid as an annual lump sum or in monthly instalments.

• Does it cost extra to pay my premiums by the month?

  No, there is no additional cost if you choose to pay your premium in monthly instalments. However, they may be subject to minor adjustments (upwards or downwards) due to rounding and financial institution transaction fees may apply.

• Can I choose my own repairer if I want?

  Yes, you have the freedom to choose your preferred repairer at no extra cost. It's worth mentioning that there may be some situations where you won't be able to choose your repairer — it depends on the circumstances.

• Are there any optional extras available with Westpac comprehensive Car Insurance?

  Yes, you can consider the following extra-cost options:

  • Rental car after an accident for up to 30 days with a $100 per day limit
  • Cover for tools of trade in your vehicle up to $3,000 per incident
  • Removal of basic excess for one windscreen replacement and two repairs

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.